#1₹620/yr
IDFC FIRST WOW Credit Card
1X reward points · No CIBIL Needed
Best net value on this list — about ₹620/yr in your pocket after fees on typical spends.
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Age 18–65 · Secured — FD-backed secured card from ₹20,000 · Secured card
No CIBIL Needed·SBI Card
Build credit with SBI fixed deposit.
Age 18–65 · Secured — FD-backed secured card from ₹20,000 · Secured card
Key Benefits
All 9 benefits →Credit limit
80% of FD value
All spends
0.5% cashback
Annual fee
฿0
Lifetime free
Credit limit
80%
of FD value
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: SBI Card against FD T&Cs
FD-backed — build credit from scratch
Source: SBI Card against FD T&Cs
Credit limit
80% of FD value
Example: ₹10,000/mo spend → ≈ ₹8,000/mo
All spends
0.5% cashback
Example: ₹10,000/mo spend → ≈ ₹50/mo
Based on moderate spend for this market
Est. net annual
₹1,440
per year
Annual fee
Free
per year
Effective return
0.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 3.5% on international transactions — tap for full fees
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
18–65 years · Yes — from ₹20,000 — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹1,860/year. After the ₹0 annual fee, net value is approximately ₹1,440/year. Use the calculator above to model your own spends.
No income proof required. FD-backed secured card from ₹20,000.
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Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.