rewards
Utkarsh Wish Credit Card
PhonePe co-branded FD-backed card earning 3% rewards on bill payments and utility recharges.
Annual Fee
₹0 (Lifetime-free)
Rewards
3% RP on PhonePe bill payments/recharges (cap 200 RP/month); 1% RP on PhonePe UPI Scan & Pay and preferred merchants (cap 150 RP each/month)
Lounge Access
No
Fuel Waiver
No
Milestone
200 bonus RP on ₹15,000 monthly spend
Best For
PhonePe-first beginners building credit via FD (min ₹2,000)
Welcome Offer
None
Type
Rewards/Secured (FD-backed)
Description
A secured, lifetime-free RuPay card co-branded with PhonePe, issued against a fixed deposit as low as ₹2,000. Earns 3% reward points on PhonePe bill payments and recharges (capped 200 points/month), and 1% on UPI Scan & Pay and preferred merchants like Amazon, Flipkart, Myntra and Swiggy via PhonePe (capped 150 points each/month). Monthly milestone bonus of 200 points on ₹15,000 spend. No lounge access or fuel waiver. Ideal for first-time credit users, self-employed individuals, and homemakers building their CIBIL score.
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IDFC FIRST Bank Select Credit Card (Rewards)
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RBL Bank Platinum Maxima Credit Card
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PhonePe SBI SELECT BLACK Credit Card
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SBI Shaurya Credit Card
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PNB RuPay Millennial Card
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Union JCB Wellness Credit Card
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Union JCB Health Credit Card
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Union Bank RuPay Combo Debit-cum-Credit Card
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ICICI Bank Parakram Credit Card
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ICICI Bank Emeralde Credit Card
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ICICI Bank Emeralde Private Metal Credit Card
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Times Black ICICI Bank Credit Card
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Axis Bank SELECT Credit Card
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Axis Bank Pride Signature Credit Card
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Axis Bank Pride Platinum Credit Card
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IndusInd Bank ePay Amex Credit Card
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Indus Solitaire Credit Card
Metal super-premium card with zero forex fees and complimentary Taj Epicure and Marriott memberships.
BOBCARD ETERNA Credit Card
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BOBCARD Tiara Credit Card
Women-focused card with free Swiggy and streaming memberships, plus a complimentary health screening package.
BOBCARD Select Credit Card
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The highest-tier Xcite card, built around accelerated online and international rewards, monthly bonuses and annual spend milestones.
AU Xcite Credit Card
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CheQ AU Credit Card
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YES Elite+ Credit Card
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YES Wellness Plus Credit Card
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YES Essence Credit Card
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RBL Bank QuickPay Credit Card
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RBL Bank SalarySe UP Credit Card
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The premium TVS Credit co-brand offering accelerated international rewards, EazyDiner cashback and airport lounge privileges.
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A lower-fee TVS Credit card offering accelerated online rewards, railway lounge access and movie benefits.
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