HOUSOFAI
SBI Card
Apply on SBI Card's site
SBI Cashback Credit Card
5% cashback on online spends
Who it suits: Income Rs 30,000+/month, credit score 650+
Credit card offers from India's top banks
SBI, HDFC Bank, Axis, HSBC, Kotak and more. Compare what each card gives back, check who it suits, and apply on the bank's own site.
Keep these ready before you click Apply: PAN card, Aadhaar with your mobile number linked (for OTP), and about 10 minutes. Some banks also do a short video KYC call, so apply where you can talk on camera. Salaried applicants may be asked for a recent salary slip.
SBI credit cards: cashback on what you already spend
Best if you earn Rs 25,000-30,000 a month or more and your credit score is 650-720 or higher.
SBI Card
Apply on SBI Card's site
SBI SimplyCLICK Credit Card
10x reward points at partner online stores
Who it suits: Income Rs 25,000+/month, credit score 720+
SBI Card
Apply on SBI Card's site
Tata Neu Plus SBI Credit Card
NeuCoins on Tata brands like BigBasket, Croma and Tata CLiQ
Who it suits: Income Rs 25,000+/month, credit score 720+
SBI Card
Apply on SBI Card's site
SBI SimplySAVE Credit Card
10x reward points on dining, movies and groceries
Who it suits: Income Rs 30,000+/month, credit score 650+
SBI Card
Apply on SBI Card's site
Flipkart SBI Credit Card
Cashback on Flipkart, Myntra and Cleartrip
Who it suits: Income Rs 30,000+/month, credit score 720+
SBI Card
Apply on SBI Card's site
IRCTC SBI RuPay Credit Card
Savings on train tickets booked on IRCTC
Who it suits: SBI checks eligibility
SBI Card
Apply on SBI Card's site
SBI Card PRIME
Premium rewards and lounge access
Who it suits: Higher income; SBI checks eligibility
HSBC Live+: 10% cashback on food and groceries
For salaried people earning Rs 50,000+ a month (or ITR above Rs 12 lakh), credit score 750+, living in one of: Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Baroda, Lucknow, Indore, Surat, Amritsar, Nagpur, Ahmedabad, Kolkata. Not for existing HSBC customers.
HSBC
Apply on HSBC's site
HSBC Live+ Credit Card
10% cashback on dining, food delivery and groceries
Who it suits: Salaried Rs 50,000+/month, credit score 750+, lives in an eligible city, new to HSBC
HSBC
Apply on HSBC's site
HSBC Platinum Credit Card
Lifetime-free card with reward points on every spend
Who it suits: Salaried Rs 50,000+/month, credit score 750+, lives in an eligible city, new to HSBC
HSBC
Apply on HSBC's site
HSBC TravelOne Credit Card
Travel rewards and airport lounge access
Who it suits: Salaried Rs 50,000+/month, credit score 750+, lives in an eligible city, new to HSBC
Premium cards for higher earners
Most of these need a salary of Rs 25,000-50,000+ a month and a credit score above 700.
Axis Bank
Apply on Axis Bank's site
Axis Bank Select Credit Card
Premium rewards on shopping, dining and travel
Who it suits: Salaried Rs 50,000+/month, credit score 736+
Kotak
Apply on Kotak's site
Kotak Air+ Credit Card
Air miles on every spend
Who it suits: Salaried Rs 35,000+/month, credit score 700+
Axis Bank
Apply on Axis Bank's site
Axis Bank ACE Credit Card
Cashback on bill payments and Google Pay
Who it suits: Salaried Rs 25,000+/month, credit score 736+
Axis Bank
Apply on Axis Bank's site
Flipkart Axis Bank Credit Card
Cashback on Flipkart and partner apps
Who it suits: Salaried Rs 25,000+/month, credit score 736+
Axis Bank
Apply on Axis Bank's site
Axis Bank Cashback Credit Card
Cashback on online shopping
Who it suits: Axis checks eligibility
Kotak
Apply on Kotak's site
Kotak Cashback+ Credit Card
Cashback on everyday spends
Who it suits: Kotak checks eligibility
HDFC Bank credit cards: Millennia, Swiggy, Regalia Gold and more
Most HDFC Bank cards need a salary of Rs 25,000-35,000+ a month and a credit score of 700+.
HDFC Bank
Apply on HDFC Bank's site
HDFC Bank Millennia Credit Card
5% cashback on Amazon, Flipkart and 8 more apps
Who it suits: Salaried Rs 35,000+/month, credit score 700+
HDFC Bank
Apply on HDFC Bank's site
Swiggy HDFC Bank Credit Card
10% cashback on Swiggy
Who it suits: Salaried Rs 25,000+/month
HDFC Bank
Apply on HDFC Bank's site
HDFC Bank Pixel Play Credit Card
Digital card - pick your own cashback merchants
Who it suits: Income Rs 25,000+/month, credit score 750+
HDFC Bank
Apply on HDFC Bank's site
HDFC Bank Regalia Gold Credit Card
Premium travel rewards and lounge access
Who it suits: Higher income; HDFC checks eligibility
HDFC Bank
Apply on HDFC Bank's site
IndianOil HDFC Bank Credit Card
Free fuel through fuel points
Who it suits: HDFC checks eligibility
HDFC Bank
Apply on HDFC Bank's site
HDFC Bank Credit Cards (all)
Choose from HDFC Bank's full credit card range
Who it suits: HDFC checks eligibility
First credit card? Start with Rs 0 annual fee
Good for students, first jobbers and anyone rebuilding their credit score.
IDFC FIRST
Apply on IDFC FIRST's site
IDFC FIRST WOW Credit Card
Rs 0 annual fee, backed by a fixed deposit - no credit score needed
Who it suits: Anyone who can open a fixed deposit
IndusInd
Apply on IndusInd's site
IndusInd Bank Platinum Credit Card
Lifetime-free card with reward points
Who it suits: IndusInd checks eligibility
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Same prices as going direct. Booking or buying through these links supports Housofai Finance.
How this works. You apply directly on the bank's own website; we never see your documents. Housofai Finance is a referral partner: we may earn a fee from our affiliate partner when a card is issued, at no cost to you. Approval, limits and fees are decided only by the bank. We never ask for OTPs, PINs or passwords.