Banking2Day
✓ Independent comparison · no fees
UPDATED SEPTEMBER 2026

Credit cards you can apply for online today

Real fees, real reward rates and the honest catch on each card. 5 of the 6 are lifetime free. Pick one, apply on the issuer's site in minutes — Banking2Day never charges you.

5 of 6 cards lifetime freeApply on the bank's own siteDecision by the issuer, usually in minutesNo charge from Banking2Day

At a glance fees and rewards side by side

CardJoining / annual feeRewardsForex markupLounge
IDFC FIRST ClassicIDFC FIRST Bank ₹0 / ₹0 Up to 10X points 3.5% Railway: 4/qtr Apply
Scapia Credit CardFederal Bank ₹0 / ₹0 10% coins (20% on travel) 0% Unlimited domestic* Apply
IndusInd PlatinumIndusInd Bank ₹0 / ₹0 Points on all spends incl. UPI 3.5% — Apply
Kiwi RuPay CardKiwi ₹0 / ₹0 1% cashback (up to 5% on Neon) — — Apply
Uni GoldX CardUni ₹0 / ₹0 1% back on everything 0% — Apply
Tata Neu HDFC Bank CardHDFC Bank ₹499 / ₹499 Up to 7% NeuCoins (10% on Infinity) 3.5% 4 domestic/yr* Apply

The cards in detail 6 offers

IDFC FIRST Classic
Best all-rounder

IDFC FIRST Classic

IDFC FIRST Bank · VISA

Lifetime free, with up to 10X reward points on dining and travel.

₹0 joining₹0 annual
Joining fee
₹0 — lifetime free
Rewards
10X on dining, travel & birthday spends
Interest
From 0.75% p.m.
Why apply
  • No joining or annual fee, ever
  • 10X reward points on dining, travel and your birthday
  • ₹500 welcome vouchers; 25% off movie tickets monthly
  • Interest from 0.75% per month for good profiles
Watch out
  • Reward points expire after 24 months
  • No airport lounge — railway lounges only
Age 21+ · Salaried or self-employed
Apply now
Scapia Credit Card
Best for travel

Scapia Credit Card

Federal Bank · Axis Bank · VISA

Zero forex markup, unlimited domestic lounges, 10–20% back in Scapia coins.

₹0 joining₹0 annual
Forex markup
0%
Coins
10% everyday · 20% travel via app
Lounge
Unlimited domestic on ₹20k/mo spend
Why apply
  • 0% forex markup on international spends
  • 10% Scapia coins on everyday spends, 20% on travel booked in the app
  • Unlimited domestic airport lounge access on ₹20,000 monthly spend
  • Works on UPI as a RuPay variant
Watch out
  • International spends earn no coins
  • Coins redeem only on travel through the Scapia app
Age 21+ · Good credit history
Apply now
IndusInd Platinum
Lifetime free

IndusInd Platinum

IndusInd Bank · VISA / RuPay

A no-fee card from a full-service bank, with rewards even on UPI spends.

₹0 joining₹0 annual
Joining fee
₹0 — lifetime free
Cover
₹25 lakh air accident insurance
Fuel
1% surcharge waiver
Why apply
  • Lifetime free — no joining or annual fee
  • Reward points on every spend, UPI included on the RuPay variant
  • ₹25 lakh air accident cover and ₹1 lakh travel insurance
  • Fuel surcharge waiver, dining and shopping offers
Watch out
  • Base reward rate is modest
  • No complimentary airport lounge on the free variant
Age 21–65 · Salaried or self-employed
Apply now
Kiwi RuPay Card
Best for UPI

Kiwi RuPay Card

Kiwi · YES Bank / AU / PNB · RuPay

A virtual RuPay credit card inside your UPI app — scan any QR, pay on credit, earn cashback.

₹0 joining₹0 annual
Joining fee
₹0
Cashback
1% on scan & pay
Setup
Instant virtual card in app
Why apply
  • Pay any UPI QR on credit via PhonePe, GPay, Paytm or the Kiwi app
  • 1% cashback on UPI spends, no minimum
  • Fully digital — card is live in minutes on approval
  • No joining or annual fee on the base card
Watch out
  • The advertised 5% needs the paid Kiwi Neon plan (₹999/yr)
  • Virtual-first; physical card is optional
Age 21+ · Existing credit history helps
Apply now
Uni GoldX Card
Best cashback

Uni GoldX Card

Uni · YES Bank / Bank of Baroda · RuPay

Flat 1% back on every spend — paid as 24K digital gold — with zero forex fee.

₹0 joining₹0 annual
Joining fee
₹0
Rewards
1% back, no caps
Forex
0% markup
Why apply
  • Unlimited 1% back on all spends, UPI included
  • Rewards credited as 24K digital gold
  • Zero forex markup — rare on a free card
  • Up to 7% back on flights via Uni Store
Watch out
  • Rewards are gold, not cash — you sell to realise value
  • No lounge or travel insurance benefits
Age 21+ · Salaried or self-employed
Apply now
Tata Neu HDFC Bank Card
Best for Tata brands

Tata Neu HDFC Bank Card

HDFC Bank · Tata Neu · VISA / RuPay

Up to 7% back as NeuCoins on Tata Neu, BigBasket, Croma, Air India and more — 1 NeuCoin = ₹1.

₹499 joining₹499 annual
Joining fee
₹499 — waived on ₹1 lakh/yr spend
Welcome
499 NeuCoins on first spend
Lounge
4 domestic visits a year*
Why apply
  • Up to 7% back on Tata Neu and partner brands (BigBasket, Croma, Westside, Air India, Tata 1mg)
  • 1% NeuCoins on other spends, including UPI on the RuPay variant
  • 499 NeuCoins welcome bonus — effectively covers the first year fee
  • Annual fee waived on ₹1 lakh yearly spend; Infinity variant earns up to 10%
Watch out
  • Not lifetime free — ₹499 a year unless you spend ₹1 lakh
  • NeuCoins are most valuable inside the Tata ecosystem
  • Lounge visits need ₹50,000 spend in the previous quarter
Age 21–65 · Salaried ₹25k+/month or self-employed
Apply now

No cards match that filter yet.

How applying works

1Pick a card and tap ApplyYou go straight to the issuing bank's official application page.
2Fill the bank's formPAN, mobile OTP and basic details — usually under 5 minutes. No documents for most digital cards.
3Get the bank's decisionMost issuers decide instantly or within a day. Virtual cards can be used the same day on approval.
Stay safe: Banking2Day never asks for a processing fee, OTP or bank password. Applications are completed only on the issuer's official website.