Credit Cards
हिंदी में पढ़ेंThe right credit card gives you an interest-free credit period, rewards on spends you already make and a stronger credit history. The wrong one charges fees for benefits you never use. Comparing joining and annual fees, reward structure and eligibility before you apply saves money.
ClickPe lets you compare cards from many banks — lifetime-free cards, FD-backed secured cards that need no credit history, and RuPay cards that work on UPI — and apply online.
Compare credit cards offers
Figures are taken from each issuer's official website on the date shown. Your actual fees and limit depend on your profile and are confirmed by the bank.
| Card | Issuer | Joining fee | Annual fee | Best for |
|---|---|---|---|---|
| Federal Bank Credit Card As of Nov 2026 · source | Federal Bank | Free | Free | — |
| IndusInd Credit Card As of Nov 2026 · source | IndusInd Bank | Free | Free | Choosing from lifetime-free and premium cards at one bank |
| PNB Zaggle Twin Credit Cards As of Nov 2026 · source | Punjab National Bank | ₹499 | ₹499 | One application for a RuPay and a Visa card |
| IDFC FIRST Bank Credit Card As of Nov 2026 · source | IDFC FIRST Bank | ₹199 | Free | Lifetime-free cards with a dynamic interest rate |
| BOBCARD Credit Card As of Nov 2026 · source | BOBCARD Limited | — | — | Cards with spend-based fee waivers |
| Zagg Credit Card - YES Bank As of Nov 2026 · source | YES BANK | Free | Free | UPI spenders wanting a no-fee card |
| AU Small Finance Bank Credit Card As of Nov 2026 · source | AU Small Finance Bank | Free | Free | Lifetime-free and premium cards from a small finance bank |
| Axis Bank Neo & Privilege Credit Card As of Nov 2026 · source | Axis Bank | — | — | Everyday discounts (Neo) or reward points (Privilege) |
| Axis Bank Credit Card As of Nov 2026 · source | Axis Bank | — | — | Choosing a card type from a large bank's range |
| KIWI Rupay Credit Card As of Nov 2026 · source | Issued by partner banks (YES Bank, Punjab National Bank, AU Small Finance Bank); Kiwi app operated by Gokiwi Technologies Pvt Ltd | Free | Free | Paying by credit card on UPI |
| HDFC Credit Card As of Nov 2026 · source | HDFC Bank Ltd | — | — | Choosing from a broad bank-issued card range |
| IndusInd Bank Tiger Credit Card As of Nov 2026 · source | IndusInd Bank Ltd (co-brand partner: Tiger Fintech Private Limited) | Free | Free | No-fee card with lounge and travel perks |
| Scapia Federal Bank Credit Card As of Nov 2026 · source | The Federal Bank Ltd (issuer; Scapia Technology Pvt Ltd is the co-brand/marketing partner and does not hold a banking licence) | Free | Free | Travellers who book via the Scapia app |
| SBI Credit Card As of Nov 2026 · source | SBI Cards & Payment Services Limited | — | — | Choosing from a broad card range |
| IRCTC HDFC Bank Credit Card As of Nov 2026 · source | HDFC Bank Ltd | ₹500 | ₹500 | Frequent IRCTC train bookers |
| Tata Neu HDFC Bank Credit Card As of Nov 2026 · source | HDFC Bank Ltd | ₹499 | ₹499 | Regular Tata Neu and Tata brand shoppers |
| YES Bank POP-CLUB Credit Card As of Nov 2026 · source | YES BANK Ltd | Free | Free | Lifetime-free RuPay card for UPI spends |
| HDFC Bank PIXEL Play Credit Card As of Nov 2026 · source | HDFC Bank Ltd | ₹500 | ₹500 | Choosing your own cashback categories |
| Kotak Mahindra Bank Credit Card As of Nov 2026 · source | Kotak Mahindra Bank Ltd | — | — | Choosing from a mix of free and paid cards |
Who is it for?
- First-time users building a credit history
- Salaried and self-employed people who want rewards or cashback on everyday spends
- Frequent travellers looking for lounge access or low forex charges
- People with no or low credit score (through secured cards)
Key features
Interest-free period
Pay the total amount due by the due date and you pay no interest on purchases.
Rewards and cashback
Earn points or cashback on spends, with accelerated rates in partner categories.
Builds credit history
On-time payments are reported to the credit bureaus and help your score.
UPI on RuPay
RuPay credit cards can be linked to UPI apps for scan-and-pay at merchants.
Eligibility
- Typically aged 18-21 to 60-65 years depending on the bank
- Regular income from salary or business above the card's threshold (not required for FD-backed cards)
- A credit score acceptable to the issuer — secured cards need none
- Residence in a city or pincode the bank services
Documents required
- PAN card
- Aadhaar or another address proof
- Income proof: salary slips, Form 16 or ITR
- For secured cards: a fixed deposit with the issuing bank
Credit card interest calculator
- Interest charged
- ₹1,849
- Interest + 18% GST
- ₹2,182
- Equivalent annual rate
- 45.0% p.a.
How to apply
- Compare cards on ClickPe by fees, rewards and eligibility.
- Check eligibility and choose a card.
- Complete the bank's application and KYC online.
- Activate the card after it is issued — banks must get your consent before activation.
Fees to check before you apply
Look at the joining fee, the annual fee and the spend needed to waive it, the finance charge on unpaid balances, late-payment fees, the forex markup on international spends and cash-withdrawal charges. These are listed in each card's Most Important Terms and Conditions (MITC). GST applies to fees and interest.
Use a credit card without paying interest
Pay the total amount due, not just the minimum, by the due date every month. Keep your utilisation — the share of your limit you use — low, ideally well under half, to protect your credit score. Avoid cash withdrawals on a credit card, which attract interest from day one.
Frequently asked questions
Which credit card is right for a beginner?
A lifetime-free card with simple cashback, or an FD-backed secured card if you have no credit history. Avoid cards with high annual fees until you know your spending pattern.
Can I get a credit card with no credit score?
Yes. FD-backed secured credit cards are issued against a fixed deposit and usually do not need a credit score or income proof.
Does applying for a credit card reduce my CIBIL score?
Each full application leads to a hard inquiry by the bank, which can cause a small, temporary dip. Checking eligibility on ClickPe is a soft inquiry and does not affect your score.
What is a lifetime-free credit card?
A card with no joining fee and no annual fee for as long as you hold it. Other charges such as interest and late fees still apply.
Can I use a credit card on UPI?
Only RuPay credit cards can currently be linked to UPI apps for payments to merchants.
Related
ClickPe is a financial marketplace and Digital Lending Service Provider. Loans and cards are sanctioned and issued by RBI-regulated banks and NBFCs; see our lending partners. Using ClickPe is free; we may receive a commission from the lender.