BOBCARD
BOB Eterna
Credit Card Finder · 2026
102+ Indian credit cards, compared on what actually matters — fees, rewards, lounges, fuel. Answer three questions, compare side-by-side, apply on the official bank page.
30-second card finder
The full catalog
Hit Compare on up to three cards to see them side-by-side.
Showing 24 of 102 cards
Axis Bank
Axis Neo Rupay Credit CardScapia / Federal Bank
Scapia Co-Branded Credit CardHDFC Bank
HDFC Pixel Play Credit CardHDFC Bank
HDFC Pixel Go Credit CardKotak Mahindra Bank
Kotak League Platinum Credit CardDCB Bank
DCB Novio Credit CardIndusInd Bank
IndusInd Tiger Credit CardAxis Bank
Axis Privilege Amex Credit CardHDFC Bank
HDFC RuPay Credit CardAxis Bank
Axis MyZone Rupay Credit CardAxis Bank
Axis Privilege Credit CardIDFC First Bank
IDFC First Power Plus Credit CardAxis Bank
Axis Cashback Credit CardIDFC First Bank
IDFC FIRST Bank Mayura Credit CardSBI Card
SBI Simply Click Credit CardSBI Card
SBI Elite Credit CardTutorial · 5 steps
Open last month's bank statement. Where did most money go — food, fuel, online, travel? Pick a card that rewards that category, not the one with the flashiest ad.
Lifetime free = zero risk. A paid card only makes sense if its perks (lounges, higher cashback) are worth more than the fee — or you'll easily hit the waiver spend.
Most cards need a steady income and a CIBIL score around 750+. No credit history? Start with an FD-backed card — near-guaranteed approval.
Every application is a hard enquiry on your credit report. Apply to your single best match, wait for the result, then decide on the next.
Pay the full statement every month. Rewards are typically 1–5%; interest is ~3.5% a month. Carry a balance once and you lose a year of rewards.
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FAQ
Start with a lifetime-free card so a missed fee waiver never costs you. If you have no credit history, an FD-backed (secured) card is the easiest approval — it builds your CIBIL score while your deposit keeps earning interest.
Each application triggers a hard enquiry, which can dip your score by a few points temporarily. Apply for one card at a time and avoid several applications within a few weeks.
A card with zero joining fee and zero annual fee for as long as you hold it — no spend target needed. Watch out for 'first year free' cards, which start charging from year two unless you hit a spend threshold.
Cashback is simpler: it lands as statement credit with no redemption hassle. Reward points can be worth more on travel or partner brands, but their value varies a lot per point. If you don't want to track redemptions, pick cashback.
Pay the total amount due — not the minimum due — before the due date every month. Interest on Indian credit cards typically runs 36–45% a year, so carrying a balance wipes out any rewards you earn.
Yes. Every Apply button takes you to the bank's or partner's official application flow. You fill your details there directly — KiTools never sees or stores your personal or financial information.