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✅ Lifetime Free (No Joining & No Annual Fee)
✅ FD starts from just ₹10,000
✅ Credit Limit = 100% of your FD
✅ No income proof or credit history required
✅ Ideal for Students, Freelancers, Homemakers & First-time Credit Card Users
Benefits:
* 1+1 Movie Tickets on District & BookMyShow
* Flat ₹150 Off on Zomato
* 40% Off on Swiggy Food & Instamart
* Up to 3% Rio Coins back on UPI & Card Spends
* 8 FREE Airport Lounge Visits per Year
*5% back as CRED Points on E-commerce transactions*
*5% back as CRED Points on transactions done on CRED*
*1% back as CRED Points on Scan & Pay transactions through CRED
*1% back as CRED Points on Insurance and Utility bills paid via CRED*
*1% back as CRED Points on all other transactions*
*Credit Card enabled on UPI
Age: Minimum 18 years; maximum 75 years.
Employment Type: Both salaried employees and self-employed individuals are eligible.
Minimum Income: A steady, verifiable source of income is required (often evaluated to be a net monthly income of ₹20,000 or more for standard IndusInd Bank offerings).
Credit Profile: A strong credit history/score is required. Since the card is issued in partnership with CRED, active use and a high score on the CRED Platform significantly boost approval odds.
Documentation: Valid KYC documents, including a PAN card and Aadhaar card.
For Salaried
Indian national
Age: Min 21 yrs & Max 40 Yrs,
Income: Net Monthly Income> ₹35,000
For Self Employed
Indian national
Age: Min 21 yrs & Max 40 Yrs, Income: ITR > ₹6.0 Lakhs per annum
Download and log on to the HSBC India Mobile Banking app and spend INR10,000 within the first 30 days of opening your credit card account to get:
Plus, get 3,000 bonus reward points when you spend INR100,000 in the first 90 days.
To apply, you must:
The eligibility criteria to apply for SBI PhonePe Select Credit Card are as follows:
1% fuel surcharge waiver will be available on transactions between ₹500 to ₹4000. Maximum waiver is allowed up to ₹3500 in an anniversary year.
Age:
Income:
Other requirements: