Credit is used to decide if you get a loan for a new home or a new car. There are a lot of credit card options on the market to choose from, but the field narrows when you start to look at credit cards that offer easy approval.

Indian banks offer multiple different options from Visa to Mastercard. So it can be daunting to find the right one for you and your financial needs.

So we have pulled together five different card options we think are great cards that will help you build your credit and garner some impressive rewards.

Easy Approval Credit Cards in India

Trying to determine the right credit card for your needs comes down to understanding the card’s features and benefits as well as the rates and fees. Here is a look at that information for the cards we have chosen as the best options for easy approval.

Citi Cash Back Card

The Citi Cash Back card is a good fit for those looking to build their good credit into excellent credit. Every single rupee of cash back that you earn for every purchase will never expire, and as an introductory offer, you get auto-credited ₹ 500.

On top of saving at over a hundred stores, you can earn up to ₹3300 a year. The card comes with an APR of 42%. There is also a ₹500 annual fee.

In addition, you would like a cash advance, there is a charge of 2.5% on the billed amount, subject to a minimum of ₹500. When making any foreign transaction, the amount will be converted to US Dollars. Then, there will be a 3.5% mark-up on the INR equivalent of the US Dollars charged.

The Late payment fee varies with your outstanding balance. However, there is an over-limit fee of 2.5% of the amount you went over your limit with a minimum charge of₹500.

Bank Contact Info

Address: Bandra Kurla Complex, Bandra East, Mumbai 400098

Telephone: 1860 210 2484 (India) or +91 22 4955 2484 (international)

HDFC Bank Freedom Credit Card

When it comes to finding a card that is easy to get approval for the Freedom Credit Card is a great choice. It doesn’t require any income documents and brings with it cashback rewards along with many other perks.

The card has an annual fee of ₹500 and a 50-day interest-free period. However, if you spend more than  ₹50,000 in a year, your annual fee is waived. Typically the interest rate is set at 3.49% per month. In regards to a cash advance fee, the cardholder will be looking at a 2.5% fee with ₹500 as a minimum charge.

In addition, there is a 1% fee, with a minimum of ₹250, for balance transfers. There is also a 3.5% charge on foreign currency transactions. 

Bank Contact Info

Address: HDFC Bank Cards Division, P.O. Box 8654, Thiruvanmiyur P.O., Chennai 600 041

Telephone: 1860 267 6161

Yatra SBI Card

The Yatra SBI card is a great card to build credit, especially if you are a frequent traveler. It offers flexible payments and discounts on domestic and international flights. The points are earned at a rate of 6 points per ₹100 is good for two years.

When you look at the rates and fees, it is a competitive option as well. The card comes with a ₹499 annual fee and a 3.35% monthly interest rate for purchases and cash advances. Further, if you spend more then ₹100,000 a year, your annual fee is waived.

On cash advances, there is also a 2.5% fee, with a minimum charge of  ₹500. In addition, there is a 2.5% of over-limit amount subject to a minimum of ₹500. There is also a foreign currency transaction fee of  3.5% with this card.

Bank Contact Info

Address: SBI Cards and Payment Services Limited, Unit 401 & 402, 04th Floor, Aggarwal Millenium Tower, E-1,2,3 Netaji, Subhash Place, Wazirpur, New Delhi

Telephone: 1860 180 1290

Axis Bank Neo Credit Card

If you shop a lot online, the Axis Bank Neo Credit card has a lot to offer you. Not only is it a great way to improve your credit, but it offers reward points from online portals like Amazon and Flipkart.

The card offers 2 points per ₹200 spent. It also has a ₹250 annual fee as well as a 3.50% foreign transaction fee. There is also a ₹250 joining fee that is waived upon spends of ₹2,500 in 45 days. When it comes to cash advances, there is a 2.5% fee, with a minimum charge of  ₹500.

If you go over your limit on this card, there will also be a charge of 2.5% or a minimum of ₹500, whichever is greater.

Bank Contact Info

Address: Axis Bank Limited, “Axis House”, C-2, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai 400 025

Telephone: +91 22 2425 2525 or +91 22 4325 2525

IndusInd Bank Platinum Card

This credit card from IndusInd bank is another great one for lifestyle perks and travel rewards. You can get things like gold lessons, concierge services, and access to VIP airport lounges across the globe.

With this credit card, you earn 1.5 points per ₹150 spent. The card has no joining or annual fees. As for interest rates, the monthly charge is 3.83%. Applying for the IndusInd Platinum card is easy and quick.

However, you should first know that there is a 2.5% fee on cash advances with a minimum charge of ₹300. There is also a 3.50% charge when using your card in foreign currencies.

Bank Contact Info

Address: IndusInd Bank Limited, 2401 Gen. Thimayya Road (Cantonment), Pune 411 001

Telephone: +91 20 3046 1600 – 609


If you’re looking for high-quality, easy-to-approved credit cards in India, the options above are some fine choices. They are also great options for building credit and saving some money on vacations.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.