Credit Cards from Top Banks

💳 Twin Card Benefit

Get benefits of both Visa and RuPay networks.

RuPay card supports UPI payments while Visa offers wider global acceptance.

PNB Bank

🌱 Eco-Friendly Card

Manufactured using biodegradable materials, making it one of the few sustainability-focused cards in India.

PNB Bank

✈️ Travel Benefits

Complimentary domestic airport lounge access

Complimentary railway lounge access

Travel vouchers and exclusive travel offers.

PNB Bank

🎬 Lifestyle Benefits

Complimentary OTT subscription benefits

Fitness memberships

Dining offers and shopping vouchers.

PNB Bank

💍 Jewellery Benefits

1.5% discount on jewellery purchases at participating merchants.

PNB Bank

⛽ Fuel Benefits

Fuel surcharge waiver on eligible fuel transactions.

PNB Bank

🛡️ Insurance Cover

Personal Accident Insurance coverage and additional card protection benefits.

PNB Bank

📱 UPI Enabled

RuPay variant can be linked with:

Google Pay

PhonePe

Paytm

1. BHIM UPI

Eligibility Criteria

Resident Indian citizen

Age: 21 to 70 years

Salaried, self-employed, or professionals with independent income source

PAN and Aadhaar required

Good credit score/CIBIL preferred for approval

Income eligibility may vary depending on the card variant and credit assessment by PNB.

FD-Backed Credit Card

Credit card issued against a Fixed Deposit.

FD amount can range from ₹2,000 to ₹5 Lakhs.

FD is insured up to ₹5 Lakhs as per applicable deposit insurance norms.

Credit Limit

Get up to 90% of your FD amount as credit limit.

Option to top up FD anytime for a higher limit.

Rewards & Cashback

5% Novio Coins on UPI spends

5% Novio Coins on store spends

10% Novio Coins on fuel purchases

Coins can be redeemed on vouchers and partner brands.

Welcome Benefits

Benefits worth up to ₹5,000, including offers on:

Amazon

Swiggy

Zepto

BookMyShow

HPCL and other partner brands.

Eligibility generally requires activation and minimum spending within the first 30 days.

Credit Score Building

Excellent option for:

New-to-credit users

Students

People with low or no CIBIL score

Timely payments can help improve the credit score to 750+ over time.

✅ Minimum age: 18 years

✅ Indian resident with valid PAN & Aadhaar

✅ No CIBIL score required (ideal for first-time users, students, or people with low credit history)

✅ No income proof required in most cases

✅ Minimum Fixed Deposit (FD): ₹2,000 onwards

✅ Video KYC completion is mandatory

1. Joining Fee
2. ₹0
3. Annual Fee
4. ₹0
5. Card Type
6. RuPay Credit Card
7. UPI Support Yes

The card is completely Lifetime Free (LTF).

UPI Rewards

Earn up to 3% rewards on eligible UPI spends through Zagg Coins.

Reward capping may apply based on spending and credit limit.

Dining Offers

Up to 40% discount on Swiggy & Zomato through partner offers.

Special merchant offers may vary periodically.

Grocery Benefits

Up to 20% discount on Zepto on eligible transactions.

Movie Benefits

Buy One Get One offers on selected movie booking platforms such as:

BookMyShow

District App

Offer limits and conditions apply.

Airport Lounge Access

2 Complimentary Domestic Airport Lounge Visits per Calendar Quarter

Usually subject to achieving the required spending threshold in the previous quarter.

⛽ Fuel Benefits

1% Fuel Surcharge Waiver at fuel stations across India.

UPI Enabled

You can link the card with:

Google Pay

PhonePe

Paytm

BHIM UPI

This makes it one of the attractive options for users making frequent Scan & Pay transactions.

Resident Indian

Age: Generally 21 years and above

Salaried or Self-employed

PAN & Aadhaar mandatory

Good credit profile/CIBIL score preferred

Subject to YES BANK's internal credit assessment and approval criteria.

💳 Lifetime Free Card

✅ Zero Joining Fee

✅ Zero Annual Fee

No spending conditions for annual fee waiver.

BOBCARD

🌍 Zero Forex Markup

0% Forex Markup Fee on international transactions.

Excellent card for foreign travel and international online purchases.

BOBCARD +1

🎁 Rewards Program

On Scapia App Bookings

✈️ 20% Scapia Coins on:

Flights

Hotels

Trains

Buses

Visa services

Experiences booked via Scapia App.

BOBCARD

Everyday Spending Rewards

Visa Variant

Earn 10% Scapia Coins on eligible online & offline spends.

RuPay Variant

Earn 5% Scapia Coins on eligible transactions of ₹500 and above.

Supports UPI transactions.

scapia.cards

🏦 Unlimited Domestic Lounge Access

Spend ₹20,000 in a calendar month and unlock:

✅ Unlimited domestic airport lounge visits

✅ Airport privileges up to ₹1,000.

BOBCARD +1

📱 UPI Enabled (RuPay Variant)

Link with:

Google Pay

PhonePe

Paytm

BHIM

Earn rewards even on eligible UPI spends.

⛽ Fuel Benefits

1% Fuel Surcharge Waiver

Applicable on fuel transactions up to ₹5,000.

BOBCARD

📲 Fully Digital Experience

Instant digital approval (subject to eligibility)

Virtual card issued immediately after approval.

Physical card delivered within a few days.

BOBCARD +1

📌 Ideal For

✔ Frequent Travellers

✔ International Travellers (0% Forex)

✔ Users making travel bookings regularly

✔ Users wanting airport lounge access without annual fees.

✅ Eligibility Criteria

1. Resident Indian citizen
2. Age: 25 to 60 years (for BOBCARD Scapia variant)
3. BOBCARD
4. Available for both Salaried and Self-Employed individuals
5. PAN Card is mandatory.
6. Aadhaar Card required for digital verification and Video KYC.
7. Good credit profile/CIBIL improves approval chances.
8. Application process is completely digital