Bank/NBFC Name Annual/Joining Fee Income Required Apply for Card
HDFC Bank Credit Card Rs.499 + GST. Salaried - Rs.20,000 per month
Self-Employed - 6 Lakh per annum
Apply Now
Kotak Bank Credit Card Rs.500 onwards Rs.5 lakh per annum Apply Now
SBI Bank CardCredit Depends on the Card Variant Rs.3 Lakh per annum Apply Now
Yes Bank Credit Card Depends on the Card Variant Salaried-Rs.25,000 per month
Self-Employed-Rs.41,666 per month
Apply Now
ICICI Bank Credit Card Rs 500 + GSt. Rs.2.5 Lakh per annum Apply Now
Standard Chartered Bank Credit Card Depends on the Card Variant Salaried-Rs.27,500 per month
Self-Employed-Rs.5 lakh per annum
Apply Now
Axis Bank Credit Card Depends on the Card Variant Varies from card to card Apply Now
Indusind Bank Credit Card Depends on the Card Variant Depends on the Card Variant Apply Now
AU Bank Credit Card Rs. 200 onwards Depends on the Card Variant Apply Now
Visit Our Website

For the first step, you will have to visit our website to explore the options that fit your needs.

Select and Apply

Once you shortlist the credit card you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Credit Card!

Once your application gets approved based on your eligibility, you will be having your Credit Card in hand.

welcome Gifts

Who Doesn’t like a welcome gift? A credit card will welcome you with some exciting gifts!

Surcharge waiver

Not just fuel but you should also save your money on fuel with the right credit card.

AirPort Lounge Access

Use your credit cards to book tickets and sit back all relaxed while waiting for your flights.

Track Your Expenses

No loss of track of your expenditure. Track your expenses with credit card monthly statements.

Wide Acceptance

No matter what corner of the world you are in. A credit card is widely accepted globally by all merchants

Unlimited Reward

What could be better than spending and getting rewards in return? With Credit cards, you can get unlimited rewards.

Card to Card Payment

Even if you are financially stressed you can pay for your credit card bills on time with another credit card.


The more you use the more you get. Start spending with your credit cards and get exciting cashbacks on all your spending.

Insurance Coverage

Keep all unforeseen emergencies at bay with insurance coverage on your credit card.

Emi Facility

Can’t pay for your needs all at once? Worry not! With a Credit Card, you can pay for your spending through monthly EMIs

Built Credit Score

If you are someone with a bad credit history, you can build your credit score by making your spending through your credit card.

Emergency Use

Don’t let financial crunches affect your lifecycle. With a credit card, you can pay instantly for all your emergency financial needs.

Refer Loan

ReferLoan - No Matter What Your Need is, We Have a Credit Card for You

We are a Digital Platform that offers credit cards from some of the top banks and lenders around the globe. We provide our customers with many options in the selection of cards including balance transfers, rewards, cash-back cards, secured credit cards as well as unsecured credit cards. So no matter if you are a wanderlust who is passionate about traveling or you are a fashion diva who lives to shop, ReferLoan has got you covered.

Leave Your Question


A credit card is a loan that you pay back with interest. You can use a credit card to buy anything you want, but you have to pay the bill by the due date, or you will be charged interest. 

The amount of money you have available on your credit card at any time is called your credit limit.

The minimum credit score to apply for credit may vary from lender to lender but the required score that most banks ask for is between 700 - 750. If your score falls below 750, it's best not to apply.

ReferLoan provides a range of credit cards without job requirements. Even if you do not have a job, you are eligible to apply for one with us.