Pay the full bill, not the minimum
Paying only the minimum due (usually 5%) keeps your account active, but you lose the interest-free period and pay 36%–45% annual interest on the remaining balance.
AU Altura Plus
Compare AU Altura Plus offers and find the one that pays you back
Cashback, rewards, travel or lifetime free. See the cards you're likely eligible for, compare fees and benefits side by side, and apply online.
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Check your eligible cards
Takes 30 seconds
Browse cards
Explore top credit cards in India
Check your eligibility to view matched cards
Enter your 6-digit pincode, monthly in-hand income, and employment type in the eligibility bar above to view personalized credit cards from 15+ partner banks with high approval odds.
How to choose
Which credit card is right for you?
Know where you spend most
Look at your last 3 months of expenses — groceries, food delivery, fuel, online shopping, or travel. Pick a card that rewards your top 1–2 categories.
Weigh fees against benefits
A ₹1,000 annual fee is worth it if you earn ₹5,000+ in cashback or lounge visits. Many cards also waive the annual fee once you cross a spend threshold.
Check your eligibility
Every card has minimum income and credit score requirements. Applying only for cards you qualify for protects your credit score from unnecessary hard inquiries.
Read the MITC
Check the Most Important Terms & Conditions for reward caps, excluded categories (like rent, wallet loads, or government payments), and lounge spend criteria.
| Card type | Annual fee | You earn | Best for |
|---|---|---|---|
| Lifetime free | ₹0 | 0.5% - 2% | First-time users, low spenders |
| Cashback | ₹0 - ₹1,000 | 1% - 5% cashback | Online shoppers, utility bills |
| Rewards | ₹500 - ₹2,500 | 2 - 10 pts / ₹100 | Everyday all-round spending |
| Shopping | ₹0 - ₹1,500 | 3% - 10% on partner apps | Amazon, Flipkart, Myntra users |
| Co-branded | ₹0 - ₹1,500 | 5% - 10% on brand | Loyal users of 1–2 apps |
| Fuel | ₹400 - ₹1,500 | 4% - 5% fuel value back | Daily commuters |
| Travel | ₹1,000 - ₹5,000 | Air miles + lounge visits | 4+ flights a year |
| Super premium | ₹5,000 - ₹12,500+ | 3% - 16% reward rate | High spenders (₹8L+/year) |
How it works
Get your card in 4 simple steps
- 1
Share basic details
Enter your pincode, monthly income, and employment type — takes 30 seconds.
- 2
See your matches
We shortlist cards you are most likely to be approved for, with zero impact on your credit score.
- 3
Compare & apply
Compare fees, rewards, and lounge benefits side by side, then apply online on the bank's portal.
- 4
Complete KYC
Finish video KYC and income verification digitally. Your card is dispatched within 5–7 working days.
Eligibility
Who can get a credit card?
Age18 - 65 years
ResidencyIndian resident
IncomeVaries by card, from ₹10,000/month
Credit score650+ improves approval
LocationPincode serviced by the issuer
No credit history? Some banks offer secured cards against a fixed deposit, a good way to build your score.
Documents
Keep these handy
PAN card
Mandatory for all credit card applications
Aadhaar or address proof
Passport, voter ID, driving licence, or utility bill
Photograph
Passport-size photo or selfie during video KYC
Income proof
Last 2–3 salary slips, bank statements, or ITR for self-employed
Fee & charges
Know the costs before you apply
Credit cards are free to use when you pay your full bill on time. Here are the charges that may apply
Joining fee
One-time charge in the first year, from ₹0 to ₹12,500+ (often offset by welcome benefits).
Annual fee
Yearly renewal charge from the 2nd year onwards, usually waived on meeting annual spend targets.
Finance charges
3% – 3.75% per month (36% – 45% p.a.) if you don't pay the total amount due by the due date.
Late payment fee
₹100 to ₹1,300 depending on the unpaid statement balance if minimum due isn't paid on time.
Cash withdrawal
2.5% – 3% of the withdrawn amount (min ₹300–₹500) plus interest from day one.
Forex markup
1.5% – 3.5% on international transactions (0% on select travel cards).
Over-limit fee
2.5% of the over-limit amount (min ₹500), charged only if you opt in to over-limit facility.
GST
18% GST applies on all fees, interest, and EMI processing charges.
Use it smartly
5 smart tips to manage your credit card
Keep utilisation under 30%
If your credit limit is ₹1,00,000, try to keep your monthly statement under ₹30,000. Lower credit utilisation boosts your credit score.
Use the 45–50 day interest-free window
Big purchases made right after your statement generation date get up to 50 days of interest-free credit before the payment is due.
Never withdraw cash from an ATM
Credit card cash advances attract a 2.5%–3% fee immediately and start accruing daily interest from the moment of withdrawal.
Don't apply everywhere
Each credit card application triggers a hard enquiry on your credit report. Check eligibility first and apply only to 1–2 cards that fit your profile.
Do's
- Choose a card that matches your lifestyle
- Review your statement every month
- Pay on time, every time: set up autopay
- Spend within what you can repay
- Use the interest-free period to your advantage
Don'ts
- Pay only the minimum amount due
- Go over your credit limit
- Delay or miss payments
- Close your oldest card without thinking it through
- Treat your limit as extra income
Credit Card FAQ
Frequently Asked Questions.
Clear answers to common questions about card eligibility, interest-free grace periods, rewards, and UPI linkage.
To be eligible for a credit card, you must be an Indian citizen aged between 21 and 65 years with a stable income source. Salaried individuals generally require a minimum monthly salary of ₹15,000–₹25,000, while self-employed individuals need an annual ITR of ₹3–₹6 Lakhs, alongside a CIBIL score of 720+.