Axis Bank
Data verifiedAxis Bank Insta Easy
Secured against a fixed deposit with instant approval and no income documentation.
6 EDGE points per ₹200Lounge access
Annual fee
Lifetime free
The catalogue
Every card we track in India, in one place.
181 cards from 33 issuers, with published fees, reward rates and waiver thresholds. 8 carry a full written review; the rest are data-verified entries you can filter and compare.
Showing 8 of 8 cards
Bank of Baroda
Data verifiedBoB Assure Credit Card
Secured against a Bank of Baroda deposit with no income proof and no annual fee.
1 pt per ₹100
Annual fee
Lifetime free
ESAF Small Finance Bank
Data verifiedESAF Bank RuPay Platinum
A straightforward lifetime-free option when large private banks decline the application.
1 pt per ₹100 incl. UPI
Annual fee
Lifetime free
IDFC FIRST Bank
Data verifiedIDFC FIRST Classic
The easiest IDFC card to get approved for, with no fee and never-expiring points.
Up to 10x reward points
Annual fee
Lifetime free
Kotak Mahindra Bank
Data verifiedKotak 811 #DreamDifferent
Lifetime-free card issued against a fixed deposit for people with no credit file.
2 pts per ₹100
Annual fee
Lifetime free
SBI Card
Data verifiedSBI Card Unnati
Issued against a fixed deposit, so approval works even with no credit history.
1 pt per ₹100
Annual fee
Lifetime free
SBM Bank India
Data verifiedSBM Bank Secured Visa Card
Fully FD-backed card designed for credit building, with cashback on everyday spend.
1% cashback
Annual fee
Lifetime free
Utkarsh Small Finance Bank
Data verifiedUtkarsh Bank RuPay Platinum
Accessible lifetime-free card for applicants with thin credit files, UPI enabled.
1 pt per ₹100 incl. UPI
Annual fee
Lifetime free
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