Showing 4 cards
Best for: Credit beginners, students, frequent international travelers on budget
OneCard (Plastic)
APPLY NOW
on FPL Technologies's website
Annual fee
FREE
#1Rewards rate
₹0.20 - ₹1.00/₹100
#190Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
Forex Markup
1.00%
#14
Min Credit Score
750+
#186
Categories Entry Level, Lifetime Free, Rewards, Student, Travel
CardNitty's take
Pros
- Lifetime free with zero joining and annual fees
- Industry-lowest 1% forex markup fee
- 5X rewards on top 2 spending categories
- Fractional reward points on all spends
- Fully app-based with instant virtual card
- No reward points expiry or redemption fees
- FD-backed option for credit beginners
- MyFamily feature for up to 5 add-on cards
- Excellent app control and transaction tracking
Cons
- Low base reward rate of only 0.2%
- No airport lounge access benefits
- No travel or insurance coverages
- 5X rewards require minimum 3 categories spending
- High interest rate of 36% per annum
- Rs 3000 early closure fee within 6 months
- Limited customer support availability
- Lower credit limits compared to premium cards
Best for: Students, first-time cardholders, and credit score beginners
Super Card
APPLY NOW
on Slice Small Finance Bank's website
Annual fee
FREE
#1Rewards rate
₹100.00 - ₹152.50/₹100
#2Joining fee
FREE
#1Interest rate
36.00%
#45 Card details
0
View full details
Categories Cashback, Entry Level, Lifetime Free, Rewards, Student
CardNitty's take
Pros
- Lifetime free with no joining or annual fees
- Up to 3% cashback on all spends
- No credit score required - perfect for beginners
- Instant digital onboarding via app
- Slice in 3 feature: 0% interest EMI for 3 months
- Slice Sparks partner offers and discounts
- Credit limit up to Rs.10 lakh
- Fuel surcharge waiver up to Rs.200/month
- UPI-enabled RuPay credit card
Cons
- No lounge access benefits
- No insurance coverage
- Lower rewards compared to premium cards
- Domestic use only - no international transactions
- High interest on delayed payments (36% p.a.)
- No add-on cards available
- ATM withdrawal charges apply
- Rewards not earned on split EMI payments
Best for: Young professionals, students, and first-time cardholders
FIRST SWYP
APPLY NOW
on IDFC First Bank's website
Annual fee
FREE
#1Rewards rate
₹2.50 - ₹7.50/₹100
#14Joining fee
FREE
#1Interest rate
23.88%
#20 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Categories Entry Level, Lifestyle, Lifetime Free, Student
CardNitty's take
Pros
- Lifetime free with no annual fee
- 10X rewards on entertainment and OTT
- Best for young professionals and students
- Low income requirement (Rs.15,000/month)
- Easy approval for first-time cardholders
- Instant EMI options available
Cons
- Lower credit limit (max Rs.1 lakh)
- No lounge access benefits
- Limited to age 18-35 years
- Standard forex markup of 3.5%
- No add-on cards available
IDFC FIRST WOW
APPLY NOW
on IDFC First Bank's website
Annual fee
FREE
#1Rewards rate
₹0.20 - ₹0.40/₹100
#267Joining fee
FREE
#1Interest rate
9.99%
#15 Card details
Forex Markup
3.50%
#75
Min Credit Score
650+
#13
Categories Entry Level, Lifetime Free, Low Interest, Student
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions