LIFETIME FREE VIRTUAL CARD || CAN BE USED FOR UPI SPENDS

AU Instapay Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Lifetime free card - there is no annual fee on the card
1%
Cashback on UPI spends at departmental stores, dining, pharmacy, grocery & supermarkets - on total purchases upto ₹10000 per month
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Nil

LIFETIME FREE BEGINNER CARD, ISSUED AGAINST FIXED DEPOSIT

Kotak Bank #811 Dream Different Credit Card

Our Rating 4.0
Top Reasons to Choose
✔︎
Lifetime free card
✔︎
UPI enabled card
✔︎
Fixed deposit based card – no income proof required || instant approval card
✔︎
Rail surcharge waiver (upto ₹500 per year) & fuel surcharge waiver (upto ₹3500 per year)
Annual Fee

₹0

Minimum Income

Not applicable, since the card is issued against fixed deposit

Annual Fee Offers
  • Welcome offer worth ₹1000

BEST FOR SPENDING AT PARTNER TATA BRANDS

Tata Neu Plus HDFC Bank Credit Card

Our Rating 3.75
Top Reasons to Choose
7%
Benefit at partner Tata brands - only via Tata Neu app
2%
Benefit on partner Tata brands (outside Tata Neu app)
✔︎
Complimentary access to airport lounges in India (1 time per quarter)
1%
Benefit on UPI spends
Annual Fee

₹499

Minimum Income

Salaried: Net income of ₹25,000 per month || Self-employed: ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : 499 NeuCoins worth ₹499, on joining
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹1 lakh or more in the previous year.

BEST FOR SHOPPING/SPENDING AT VARIOUS TATA BRANDS

Tata Neu Infinity HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
10%
Reward on partner Tata brands - only on Tata Neu app
5%
Reward on partner Tata brands (outside Tata Neu app)
1.50%
On UPI spends (on Rupay card version)
✔︎
Complimentary access to airport lounges both in India (2 times per quarter) and abroad (once per quarter).
Annual Fee

₹1499

Minimum Income

Salaried : ₹1 lakh per month || Self-employed : ₹12 lakhs per year

Annual Fee Offers
  • Welcome offer : 1499 NeuCoins worth ₹1499, on doing your 1st card transaction within 30 days of card issuance.
  • Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹3 lakhs or more in the previous year.

SBI CREDIT CARD FOR UPI SPENDING

SimplySAVE UPI SBI Card

Our Rating 3.5
Top Reasons to Choose
✔︎
UPI enabled card
1.6%
Reward on departmental stores & grocery spends || dining spends || movie spends
Annual Fee

₹499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 2000 reward points worth ₹500, at ₹2000 card spend within 60 days of card issuance
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1 lakh or more in the previous year

PREMIUM COBRANDED CARD, BEST FOR SHOPPING AT RELIANCE STORES

Reliance SBI Card PRIME

Our Rating 4.0
Top Reasons to Choose
2.50%
Benefit at participating ‘Reliance Retail Stores’.
Upto 2.9%
Additional benefit at participating ‘Reliance Retail Stores’.– at ₹3 lakh annual card spend at Reliance Retail Stores
✔︎
Upto 10% special discounts, at participating Reliance Retail Stores
✔︎
Complimentary airport lounge access in India (2 per quarter), and abroad (4 times per year, maximum 2 times per quarter)
Annual Fee

₹2999

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Reliance Retail voucher worth ₹3000, on payment of joining fees || Additional discount vouchers worth ₹11999, of various participating Reliance Retail Stores.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹3 lakh or more in the previous year.

BEST FOR SHOPPING AT RELIANCE STORES

Reliance SBI Card

Our Rating 3.50
Top Reasons to Choose
1.25%
Benefit at participating ‘Reliance Retail Stores’.
Upto 2.80%
Additional benefit at participating ‘Reliance Retail Stores’ – at ₹80,000 annual card spend at Reliance Retail Stores
✔︎
Upto 5% special discounts, at participating Reliance Retail Stores
Annual Fee

₹499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Reliance Retail voucher worth ₹500, on payment of joining fees || Additional discount vouchers worth ₹3200, of various participating Reliance Retail Stores
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1 lakh or more in the previous year.

SPECIAL REWARDS AT MYNTRA & SELECT PARTNERS - UPI ENABLED CARD

Myntra Kotak Credit Card

Our Rating 4.0
Top Reasons to Choose
7.50%
Discount on Myntra purchases, on all Myntra transactions upto ₹10,000
5%
Cashback on Swiggy Instamart (grocery) || Swiggy || PVR || Cleartrip || Urban Company – on total purchases upto ₹20,000 per month
Upto 1%
Additional benefits : 2 complimentary PVR tickets worth ₹250 each, at quarterly card spend of over ₹50,000
✔︎
Complimentary airport lounge access in India – 1 per quarter
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : ₹500 Myntra voucher, on doing a card transaction of ₹500 or more within 30 days of card issuance
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year

LOW ANNUAL FEE UPI ENABLED CARD, EXCLUSIVELY FOR GOVERNMENT EMPLOYEES

IndusInd Bank Samman RuPay Credit Card 

Our Rating 3.5
Top Reasons to Choose
✔︎
Exclusive card for government sector employees
✔︎
You can use your card for UPI payments
✔︎
Low annual fee of ₹199
✔︎
1 free movie ticket (upto ₹200), every 6 months - at BookMyShow
Annual Fee

₹199

Minimum Income

Not specified

Annual Fee Offers
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹75000 or more in the previous year

LIFETIME FREE CARD, UPI ENABLED

Axis Bank KWIK RuPay Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free, UPI enabled card
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Nil

LIFETIME FREE CARD, ENABLED FOR UPI PAYMENTS

IndusInd Bank Platinum RuPay Credit Card

Our Rating 3.5
Top Reasons to Choose
✔︎
Lifetime free card, enabled for UPI payments
Annual Fee

Minimum Income

Not specified

Annual Fee Offers
  • Nil

BEST FOR BOOKING AC CLASS RAIL TICKETS

IRCTC Rupay SBI card

Our Rating 3.75
Top Reasons to Choose
10.80%
Benefit on IRCTC AC rail tickets - for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
4.80%
Benefit on IRCTC AC rail tickets - for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
✔︎
Complimentary railway lounge access – 1 time per quarter
✔︎
1% transaction charges waiver – on railway ticket bookings on www.irctc.co.in
Annual Fee

₹300

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 350 reward points worth ₹350, when you do a single card transaction of ₹500 or more within 45 days of card issuance.