A credit card is a small piece of plastic or metal that carries immense power in the world of finance. It allows you to borrow money from a bank or financial institution to make purchases or pay for services. Instead of using cash, you swipe or tap this card, and the bank covers the cost temporarily, with the understanding that you will pay it back.
But here’s where the magic and caution come in: If you pay back what you owe within a certain period, usually around a month, you won’t be charged extra. However, if you delay, interest begins to build, and what started as a simple purchase can grow into a much larger debt.
Credit cards offer convenience and the ability to buy now and pay later, but they also require discipline. They can be a bridge to achieving dreams or a path to financial trouble, depending on how they are used.
Here is Top 5 Credit Card You Should Apply Now That Never Get Rejected
- Au Small Finance Bank Credit Card:
- 1.5% cashback on offline spends
- 5x Rewards on domestic transaction
- Joining Fee (Nil)
- Annual fee (Lifetime Free)
- Approve rate ( Excellent)
Benefits:
Presenting AU Bank Credit Card, A World Of Limitless Possibilities
- 100% digital application process
- Exciting rewards and cashback benefits
- Complimentary Airport/Railway lounge access (on some variants)
- Option of Lifetime Free Credit Card (On Some variants)
- Additional benefits based on monthly spends er – annual fee waiver
Eligibility criteria
- Age group – Salaried 21-60 years, Self Employed – 25-65 Years
- Yearly income above Rs. 3,00,000.
- Existing Customers of AU Small Finance bank are not eligible.
Quick Link for Apply Au Small Finance Bank Credit Card
2.IDFC FIRST Bank Credit Card
- Welcome voucher worth Rs.500 on spending Rs.5000
- 3x Rewards on online and offline purchases
- Joining Fee (Nil)
- Annual fee (Lifetime Free)
- Approve rate ( Excellent)
Benefits:
Presenting IDFC Credit Card
- Lifetime Free Credit Card
- Welcome voucher worth Rs.500 on spending Rs.5000 within first 30 days
- 10x Rewords on monthly spends above Rs.20000
- 1x Rewards on insurance and utility transaction
- No Expiry
Additional benefits
- 25% Off at movie tickets once a month (Via Paytm)
- Free road side assistance worth Rs. 1499
- Up to 20% discount across 1500+ resturants and merchants
- Insurance protection: Personal Accident Cover, Lost Card Liability Cover
- 100% digital application process
Eligibility criteria
- Age group – Salaried 21-60 years, Self Employed – 25-65 Years
- Monthly income more than Rs. 30,000.
- Owner of other bank’s credit card with limit above Rs.50,000.
- Credit Score – Above 710 with clean past record.
Apply IDFC FIRST Bank Credit Card
3.Axis Credit Card
- 1% Fuel Surcharge Waiver
- Flipkart, Amazon, Zomato, PVR vouchers
- Joining Fee (Rs.499)
- Annual fee (Rs.499)
- Approve rate ( Excellent)
Benefits:
Presenting Axis Credit Card
- Choose from multiple Credit Card to suit your Lifestyle
- Complimentary airport lounge access ( Some Variants)
- Exciting rewards and cashback benefits
- Refer FAQ for card specific additional benefits
Eligibility criteria
- Age group – Salaried 21-60 years, Self Employed – 25-65 Years
- Customers with good credit Score.
- Document Required – PAN, Aadhar, Income Proof
- Salaried Person Income above Rs. 15000. per month
- Salaried with ZERO credit score – Income above Rs.25000 per month
- Customer must be within 50Km of their Aadhar of Communication address during Video KYC
Quick Link for Apply Axis Credit Card
4. CASHBACK SBI Credit Card
- 5% Cashback on online spends
- Cashback auto-Credit to SBI Card Account
- Joining Fee (Rs.999+GST)
- Annual fee (Rs.999+GST)
- Approve rate ( Good )
Benefits:
Presenting CASHBACK SBI Credit Card
- 5% Cashback on online spends
- 1% Cashback on Offline Spends
- Cashback auto-Credit to SBI Card Account
- 1% fuel surcharge waiver
- Reversal of Renewal Free on annual spends of Rs.2 Lakh
- Refer FAQ for card specific additional benefits
Eligibility criteria
- Age group – 23 Years and above
- Applicant should be an Indian citizen
Quick Link for Apply CASHBACK SBI Credit Card
5.Indusind credit card
- Free EasyDiner membership
- 4Reward on every Rs. 100 spent
- Joining Fee (Nil)
- Annual fee (Lifetime Free)
- Approve rate ( Excellent )
Benefits:
Presenting Indusind credit card
- Earn attractive reward points and cashback
- Reward points that never expire – redeem anytime you want
- Indus Easy Credit Card – Lifetime free card
- Enjoy complimentary airport lounge access
- Fuel surcharge waiver on all petrol pumps
Eligibility criteria
- Credit score above 750 and no negative credit remarks
- Annual income : 3 lakh and above
- Age: 21- 60 Years
- Valid Pan & Aadhaar Card
Quick Link for Apply Indusind credit card
Disclaimer : All Information Collected From Bank Website and Gromo Share and Earn App
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