The right credit card for how you spend
Whether you want cashback on groceries, travel rewards or your first card, we'll help you find cards you're likely to be approved for.
- Joining fee
- Lifetime free to premium
- Interest-free period
- Up to ~50 days
- Rewards
- Cashback, points or miles
- Application
- 100% online
* Indicative figures. Final terms are set by the lender.
How to apply
Apply for a credit card online
Three simple steps, all from your phone.
- 1
Enter your mobile number and verify it with an OTP
- 2
Tell us about your income and the amount you need
- 3
Compare matched offers and continue with the lender you choose
Apply online
Check your credit card offers
Share a few details and we'll match you against every lending partner's criteria. It's free, and it won't affect your credit score.
- Takes about two minutes
- Only RBI-regulated banks and NBFCs
- No charges to you, ever
- Your details are shared only with the lenders you're matched to
Documents required
Lenders may ask for more depending on your profile.
- Identity proof
- PAN card and Aadhaar
- Address proof
- Aadhaar, passport or utility bill
- Income proof
- Latest salary slip or Form 16
- Identity proof
- PAN card and Aadhaar
- Address proof
- Aadhaar, passport or utility bill
- Income proof
- Latest ITR with computation
Eligibility criteria
Typical requirements. Each lender applies its own rules.
Age: 21 to 60 years (varies by bank)
Income: Usually ₹15,000+ per month for entry-level cards
Credit score: 750+ for most cards; secured cards need no history
Residence: Resident Indian in a serviceable city
Fees & charges
Know the full cost upfront
Compare the Annual Percentage Rate (APR) in each lender's Key Fact Statement, not just the interest rate.
| Charge | Typical range* |
|---|---|
| Joining / annual fee | ₹0 – ₹10,000+ depending on the card; often waived on spending targets |
| Interest on revolving balance | Typically 2.5% – 3.75% per month (30% – 45% p.a.) |
| Late payment fee | Slab-based on the amount due, set by the bank |
| Cash withdrawal | Around 2.5% of the amount, plus interest from day one |
| Foreign currency mark-up | Typically 0% – 3.5% of the transaction |
| CredoCash service fee | ₹0 — we never charge applicants |
* Indicative market ranges, set by the lender and subject to change. GST applies where stated.
How CredoCash works
We do the matching. You stay in control.
Share your details once
Create your CredoCash account and tell us what you need. It takes about five minutes.
We match you with lenders
Our rules engine checks your profile against each partner's criteria, so you only see lenders likely to approve you.
You choose and apply
Pick an offer and complete KYC with the lender. The lender approves, sets the terms and disburses directly to you.
Before you apply
Things to know
Pay the full amount due
Paying only the minimum due keeps the card active but charges high interest on the rest. Pay in full to stay interest-free.
Keep utilisation low
Using less than about 30% of your credit limit helps your credit score.
Card-to-card comparison
Look beyond headline rewards: check annual fee waivers, reward caps and redemption value.
Lending partners
Credit Card partners
We're onboarding credit card partners. Share your requirement and our team will help you find the right lender.
FAQs
Credit Card questions
Does CredoCash issue credit cards?
No. Cards are issued by banks. We help you compare and apply, and the bank decides on approval and your credit limit.
Will applying for a card affect my credit score?
The bank will run a hard enquiry when you apply, which may lower your score slightly for a short time. Avoid applying for several cards at once.
Can I get a card without a credit history?
Yes. A secured credit card against a fixed deposit is a common way to start building credit.
No fees · No credit score impact
Find a Loan That Fits Your Needs
Compare offers from RBI-regulated lenders in a few minutes. It's free, and checking offers won't affect your credit score.