Will applying for a credit card impact my CIBIL score?

Browsing and pre-qualifying on PayCred has ZERO impact on your CIBIL score. A formal credit inquiry is initiated only when you submit your completed application directly on the bank’s secure portal.

What is a Lifetime Free (LTF) credit card?

Lifetime Free credit cards charge ₹0 joining fee and ₹0 annual fee with no minimum spend conditions forever. Cards like AU LIT and IndusInd Tiger provide premium benefits without recurring charges.

How does RuPay Credit Card on UPI work?

Cards like the Tata Neu HDFC RuPay Credit Card can be linked directly to your UPI apps (GPay, PhonePe, Paytm, PayCred). You can scan any merchant QR code and pay directly from your credit card limit with up to 50 days interest-free period!

What documents do I need for instant digital approval?

Most banks (AU Bank, SBI Card, Axis Bank) offer 100% paperless journeys. You only need your PAN card, Aadhaar number for instant OTP verification, and basic income details.

Home LoansApply Credit Card

Instant Video KYC • ₹0 Joining Fee Promos

Official Bank Partnerships

Exclusive Pre-Approved Bank Offers • 100% Digital Approvals

Compare & Apply For
India's Best Credit Cards

Name: PayCred
Rating: 4.8 (2540 reviews)

Enjoy up to 25% cashback on utility bills, flat 5% unlimited online shopping rewards, Lifetime Free options with zero annual fee, and RuPay cards enabled for direct UPI QR scan & pay.

Zero Documentation

Lifetime Free Promos

UPI RuPay Enabled

Complimentary Lounges

Sort By:

AU Small Finance Bank

Visa

•••• •••• •••• 8829

Card Name

AU LIT / Altura Credit Card

LTF Free

AU LIT / Altura Credit Card

AU Small Finance Bank

4.8

Customize your own benefits: Up to 5% cashback on grocery, dining & travel

Lifetime Free (LTF) with zero annual maintenance fees

Up to 5% cashback on groceries, dining & departmental stores

Up to 4 complimentary domestic airport lounge visits per year

Joining Fee₹0 (Lifetime Free)

Annual Fee₹0 (Zero Annual Fee)

Axis Bank

Mastercard

•••• •••• •••• 8829

Card Name

Airtel Axis Bank Credit Card

Pre-Approved

Airtel Axis Bank Credit Card

Axis Bank

4.9

25% cashback on Airtel mobile, Wi-Fi & DTH bills + 10% on food apps

25% cashback on Airtel mobile, broadband and DTH bill payments

10% cashback on Swiggy, Zomato & BigBasket grocery orders

10% cashback on electricity, gas and utility bills via Airtel Thanks

Joining Fee₹500 (₹500 Amazon voucher on 1st spend)

Annual Fee₹500 (Waived on ₹2 Lakhs spend)

SBI Card

Visa

•••• •••• •••• 8829

Card Name

Cashback SBI Card (Sprint)

Pre-Approved

Cashback SBI Card (Sprint)

SBI Card

4.9

Flat 5% cashback on all online spends without merchant restrictions

Flat 5% cashback on ANY online shopping (Amazon, Flipkart, Myntra, etc.)

1% cashback on offline transactions & recurring payments

Cashback auto-credited directly to monthly statement balance

Joining Fee₹999 (Special Sprint promotional waiver)

Annual Fee₹999 (Reversed on ₹2 Lakhs annual spend)

Bank of Baroda

Visa

•••• •••• •••• 8829

Card Name

BOB Card Easy & Premier

LTF Free

BOB Card Easy & Premier

Bank of Baroda

4.7

5X Reward Points on grocery, department stores & movie tickets

5X Reward Points on groceries, departmental stores & cinema

1% fuel surcharge waiver up to ₹250 per billing cycle

Zero liability on lost card upon immediate reporting

Joining Fee₹0 (Zero Joining Fee Promo)

Annual Fee₹500 (Waived on ₹35,000 spend)

Bank of Baroda

Visa

•••• •••• •••• 8829

Card Name

BOB Card Etihad Guest Premier

Pre-Approved

BOB Card Etihad Guest Premier

Bank of Baroda

4.8

Up to 7,500 Welcome Etihad Guest Miles + 8 Airport Lounge Visits

Up to 7,500 bonus Etihad Guest Miles credited upon card activation

8 complimentary domestic & international airport lounge visits / year

3 to 7 Etihad Guest miles for every ₹100 spent internationally

Joining Fee₹1,499 (Includes welcome Etihad Guest miles)

Annual Fee₹1,499 (Waived on ₹1.5 Lakhs spend)

IndusInd Bank

Mastercard

•••• •••• •••• 8829

Card Name

IndusInd Bank Tiger Credit Card

LTF Free

IndusInd Bank Tiger Credit Card

IndusInd Bank

4.7

Ultra-low 1.5% forex markup + Buy 1 Get 1 Movie tickets on BookMyShow

Lifetime Free card with zero annual or renewal fees

Ultra-low 1.5% foreign currency markup on international spends

Buy 1 Get 1 Free movie tickets on BookMyShow (up to 2/month)

Joining Fee₹0 (Lifetime Free Promo)

Annual Fee₹0 (Zero Annual Fee Forever)

HDFC Bank

RuPay

•••• •••• •••• 8829

Card Name

Tata Neu Infinity HDFC Credit Card

Pre-Approved

Tata Neu Infinity HDFC Credit Card

HDFC Bank

4.9

RuPay Credit Card on UPI: Pay at any merchant QR code & get NeuCoins

Link to PayCred, GPay, PhonePe UPI & scan merchant QR codes directly

Up to 10% NeuCoins on Tata Neu, BigBasket, 1mg, Croma, Air India & Taj

1.5% NeuCoins on all non-Tata UPI transactions

Joining Fee₹499 (Waived on ₹30,000 spend in 90 days)

Annual Fee₹499 (Waived on ₹1 Lakh annual spend)

Got Questions?

Credit Card Application FAQs

PayCred

🇮🇳Proudly Made in India

Fast • Secure • 100% RBI Compliant

Compare & Apply For India's Best Credit Cards

AU LIT / Altura Credit Card

Airtel Axis Bank Credit Card

Cashback SBI Card (Sprint)

BOB Card Easy & Premier

BOB Card Etihad Guest Premier

IndusInd Bank Tiger Credit Card

Tata Neu Infinity HDFC Credit Card

Credit Card Application FAQs

Compare & Apply For India's Best Credit Cards

AU LIT / Altura Credit Card

Airtel Axis Bank Credit Card

Cashback SBI Card (Sprint)

BOB Card Easy & Premier

BOB Card Etihad Guest Premier

IndusInd Bank Tiger Credit Card

Tata Neu Infinity HDFC Credit Card

Credit Card Application FAQs

Compare & Apply For
India's Best Credit Cards

Compare & Apply For
India's Best Credit Cards