CreditSaathi — Credit Ka Sahi Saathi

Credit cards you are likely to get

See which partner bank cards fit your income and profile, then apply on the bank's official page. No fee, and checking won't affect your credit score.

Cards from partner banksNo rejection-driven score dropApply on the bank's official page

Find cards that fit you

Free. Checking won't affect your credit score.

Our card partners

Foreign bank operating in India · Credit cards

The Hongkong and Shanghai Banking Corporation Ltd (HSBC India)

Our role
Direct Selling Agent (DSA) and lead sourcing partner
Grievance officer
Mr. Sudeep Behari (Credit card code compliance officer)
Email
complaints.india@hsbc.bank.in
Phone
1800 267 3456
GrievancePrivacy policyTerms

Pick a card for how you spend

CashbackA flat % back on spends. Simplest to use.
RewardsPoints for vouchers, miles or products.
ShoppingExtra value on partner apps and brands.
FuelFuel surcharge waiver and fuel rewards.
TravelAir miles, lounge access, lower forex mark-up.
Lifetime freeNo joining or annual fee.
UPI / RuPayPay at any UPI QR code.
Secured (FD-backed)For new-to-credit or low scores.

What banks check

  • Credit score and repayment history
  • Income and employer category
  • Existing EMIs and card limits
  • Whether your pincode is serviceable
  • Age, usually 21 to 60 for the primary cardholder

Charges to understand

ChargeWhat it means
Joining and annual feeOften waived if you cross a yearly spend threshold
Finance chargesInterest on unpaid balances, typically 3%–3.75% a month (about 36%–45% a year)
Late payment feeIf the minimum amount due is not paid by the due date
Cash withdrawalA fee plus interest from day one
Forex mark-upUsually 1%–3.5% on foreign-currency spends

Your rights under RBI's card rules

  • No unsolicited cards or limit increases without your consent.
  • You can close your card anytime; the bank must close it within 7 working days of a request once dues are cleared.
  • You get the MITC with your welcome kit and before you accept.
  • Billing disputes and grievances go to the bank's grievance officer, then to the RBI Ombudsman.

FAQs

What credit score do I need for a credit card?

Most banks look for 700 or above for entry-level cards and 750+ for premium cards. With no credit history, a card against a fixed deposit is a good start.

Does applying affect my credit score?

Checking eligibility on CreditSaathi does not. A formal application to a bank usually triggers a hard enquiry, and several in a short time can lower your score.

What is MITC?

The Most Important Terms and Conditions: joining and annual fees, interest on unpaid balances, late payment charges and other fees. Read it before you accept a card.

Can a bank issue a card I didn't ask for?

No. RBI prohibits unsolicited cards. A new card must be activated with your OTP-based consent within 30 days, or it is closed at no cost to you.

Who issues the card and handles my account?

The partner bank. CreditSaathi only helps you find and apply for a suitable card; billing, rewards and service are handled by the bank.

Disclaimer: CreditSaathi is not a card issuer. Cards are issued by partner banks at their sole discretion, subject to their eligibility, KYC and terms. We may receive a commission from the bank if a card is issued; this does not change any fee you pay.

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