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The right credit card depends on three things: how you spend, how much you are willing to pay in fees, and what kind of rewards feel real to you. A ₹499 annual-fee card that earns 5% cashback on groceries pays for itself after ₹10,000 of monthly spend — but only if you shop where the card earns best.
Before applying, check the card's joining fee, annual fee waiver spend (most Indian cards waive the renewal fee above a threshold), the reward rate, and the redemption options. Premium travel cards can look generous until you realise the points only redeem against specific airlines at unfavourable rates.
Finally, protect your credit score. Every application triggers a hard inquiry, so apply only to the one or two cards that actually match your profile. Use OnePaisa's filter panel to narrow the list before you tap “Apply”.
Cashback Cards
Earn a flat percentage back on every spend. Best for everyday grocery, fuel, and bill payments.
Travel Cards
Convert spending into air miles, free hotel nights, and complimentary airport lounge access.
Fuel Cards
Surcharge waiver plus accelerated rewards at HPCL, IOCL, and BPCL pumps — ideal for daily commuters.
Premium Cards
Concierge, unlimited lounge access, and higher credit lines. Pair high annual fees with high rewards.
No Annual Fee Cards
Lifetime-free cards with no hidden joining charges. The cleanest entry-level option for new users.
Most banks approve applicants with a CIBIL score of 750 or higher. Entry-level and secured cards are available with scores from 650 upward. OnePaisa checks your eligibility for free before you apply.
Instant-issue digital cards (like those from HDFC, ICICI, and SBI Card) are often approved in under 10 minutes. Physical cards typically arrive within 5-7 working days.
No. OnePaisa is free for users. When you apply through our links we may earn a commission from the issuer — that is how we fund the platform. Our editorial picks are independent of commission rates.
Cashback credits rupees directly to your statement. Reward points can be redeemed for vouchers, air miles, or statement credit, usually at a fixed rate (for example, 1 point = ₹0.25).
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Plug in 6 spend categories — the Rewards Optimizer ranks 270+ cards by net annual value.
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