Freelancers often face approval challenges because of irregular income, limited salary proof, ITR gaps, or thin credit history. Before applying, read how to improve credit card approval chances before applying.

If your earlier application was declined, read why your credit card application was rejected before applying for another card.

If you were recently rejected, check how long to wait before applying again after credit card rejection before submitting a fresh application.

If you are new to credit cards, start with Credit Card 101: How Credit Cards Work in India before comparing freelancer cards.

Not every freelancer needs a credit card immediately. Read Should You Get a Credit Card in India? if you are unsure whether you are ready.

If terms like CIBIL, secured card, credit utilisation, forex markup, MITC, or schedule of charges are confusing, use our credit card terms glossary for Indian users.

The freelancer scores in this article follow Benchmarksutra’s credit card scoring approach. Read Benchmarksutra Credit Card Score Explained for the broader rating logic.

Our credit card recommendations follow a fixed review process. Read How We Review Credit Cards at BenchmarkSutra.

Best Credit Cards for Freelancers in India

Freelancers often face irregular income, limited salary proof, fluctuating cash flow, and higher rejection risk when applying for credit cards.

This guide compares the best credit cards for freelancers in India based on approval ease, income proof, business expense tracking, UPI utility, forex charges, fees, rewards, and real freelancer use cases.

Quick Answer

The best credit card for a freelancer is not always the card with the highest reward rate.

Freelancers should first check:

• approval ease
• income proof requirement
• ITR or bank statement requirement
• GST requirement, if applying for business cards
• FD requirement, if applying for secured cards
• annual fee and waiver condition
• credit limit
• UPI support
• forex markup
• business expense tracking
• reward usefulness
• repayment comfort

For many freelancers, a secured or business-focused card may be better than a premium lifestyle card.

If income proof is weak, start with a secured card.

If you have GST registration and business spends, consider business credit cards.

If your income proof is strong, compare unsecured cards by rewards, fees, forex, UPI, and ecosystem fit.

Why Freelancers Need a Different Credit Card Approach

Freelancers are different from salaried users.

A salaried employee usually has salary slips, regular monthly income, employer details, and salary account credits.

A freelancer may have:

• irregular monthly income
• multiple clients
• foreign payments
• UPI or bank transfer income
• platform payouts
• no salary slip
• variable ITR
• business expenses mixed with personal spends
• international SaaS or software costs
• GST registration in some cases
• no GST registration in other cases

This makes credit card approval and card selection more complicated.

So the right question is not only:

“Which card gives the best rewards?”

The better question is:

“Which card can a freelancer realistically get, use, track, and repay comfortably?”

What Freelancers Should Check Before Applying

Freelancer Rule

Do not apply for a premium credit card only because the benefits look attractive.

If your income proof is weak, ITR is low, GST is unavailable, or CIBIL history is thin, start with a secured or beginner-friendly card.

A card that gets approved and helps build credit history is better than a premium card that gets rejected.

The Benchmarksutra Credit Card Score Table

Score Grades

For this article, the score is interpreted through a freelancer lens.

That means approval ease, income-document fit, GST/FD requirement, UPI usefulness, forex value, and business-spend suitability affect the final score.

Best Credit Cards for Freelancers: Updated Shortlist

Benchmarksutra Scores and Grades for Freelancer Use

These are Benchmarksutra freelancer-use scores, not approval guarantees.

Best Credit Cards for Freelancers by Use Case

IDFC FIRST Business Max Credit Card

Best for:

• GST-registered freelancers
• sole proprietors
• consultants and small business owners
• vendor payments through UPI
• business expense separation
• users who do not want annual fees

Eligibility:

• 18+ years of age
• self-employed individual or sole proprietor
• PAN required
• Aadhaar required
• registered GST number required
• minimum fixed deposit of ₹10,000 required
• no income proof required
• no credit history required

Advantages:

• lifetime-free business card
• FD-backed approval
• UPI-ready from day one
• useful for vendor payments
• rewards on business payments
• clean business expense tracking
• helps build credit history

Challenges:

• active GST number required
• fixed deposit required
• not suitable for freelancers without GST
• may not suit very large businesses needing high limits

IDFC FIRST WOW! Credit Card

Best for:

• new freelancers
• first-time credit card users
• freelancers without stable income proof
• users with no or thin credit history
• users rejected by unsecured cards
• freelancers paying foreign tools or subscriptions

Eligibility:

• age 18 to 80 years
• Indian citizen with permanent address in India
• Aadhaar and PAN required
• FD-backed card
• minimum FD requirement applies
• no income proof required
• no credit history required

Advantages:

• approval-friendly for self-employed users
• fixed deposit-backed
• no joining or annual fee on the main card
• zero forex markup
• helps build credit history
• FD continues earning interest

Challenges:

• fixed deposit is required
• credit limit depends on FD value
• rewards are basic compared with premium cards
• not a dedicated business expense card

IDFC FIRST Business Multiplier Credit Card

Best for:

• freelancers with international SaaS expenses
• developers, designers, marketers, and consultants using foreign tools
• business travel users
• freelancers with GST registration
• users who can lock a higher FD amount

Eligibility:

• self-employed individual / proprietor
• PAN required
• Aadhaar required
• registered GST number required
• minimum fixed deposit of ₹50,000 required
• no income proof required
• no credit history required
• GST is mandatory

Advantages:

• zero forex markup
• FD-backed approval
• premium metal business card positioning
• business rewards
• UPI-ready complimentary digital card
• domestic and international lounge access subject to spend condition
• useful for SaaS, cloud tools, ads, subscriptions, and business travel

Challenges:

• ₹50,000 FD required
• ₹1,000 + GST joining fee
• annual fee waiver needs ₹5 lakh annual spends
• GST registration required
• overkill for small freelancers with low spends

AU Business Cashback Credit Card

Best for:

• freelancers wanting business cashback
• consultants and creators with regular business spends
• small business owners
• users who prefer cashback over complex points
• freelancers wanting AU Bank ecosystem

Eligibility:

• resident Indian
• primary cardholder age 25 to 65 years
• add-on cardholder above 18 years
• approval subject to AU Bank policy

Advantages:

• business-focused card
• cashback positioning
• monthly fee can be waived with eligible monthly spends
• useful for expense separation
• fuel surcharge waiver
• railway lounge access
• business insurance coverage

Challenges:

• ₹99/month fee if waiver is not met
• approval is not FD-backed like some secured business cards
• not ideal for very low spends
• cashback must justify monthly fee

Amazon Pay ICICI Credit Card

Best for:

• freelancers who spend heavily on Amazon
• creators buying equipment and accessories
• work-from-home users buying supplies
• users wanting simple cashback
• users wanting no annual fee

Eligibility:

• invite-only program
• Indian citizen
• minimum age 21
• self-employed monthly income requirement applies
• income proof may be required
• approval subject to ICICI Bank and Amazon checks

Advantages:

• no joining fee
• no annual fee
• simple Amazon ecosystem value
• useful for online purchases
• good for mixed household + freelance purchases

Challenges:

• invite-only
• not a business card
• best value is Amazon-focused
• approval is not guaranteed
• weak for non-Amazon spends compared with specialised cards

Tata Neu Plus HDFC Bank Credit Card

Best for:

• freelancers using Tata Neu
• BigBasket, Croma, Tata 1mg, and Tata CLiQ users
• RuPay UPI credit card users
• freelancers with documented ITR
• users with household + freelance mixed spends

Eligibility:

• Indian national
• self-employed age 21 to 65 years
• ITR requirement applies
• bank approval required

Advantages:

• useful for Tata ecosystem spends
• RuPay UPI support
• moderate annual fee
• renewal waiver available on annual spends
• works for grocery, medicine, electronics, and daily UPI spends

Challenges:

• ITR requirement for self-employed users
• value is ecosystem-linked
• not a pure business card
• better only if you use Tata Neu and UPI meaningfully

Airtel Axis Bank Credit Card

Best for:

• freelancers using Airtel broadband, mobile, WiFi, or DTH
• work-from-home users
• telecom-heavy households
• users with recurring bill payments
• freelancers who can recover the annual fee

Eligibility:

• salaried or self-employed users may apply
• Indian citizen
• age and documentation subject to Axis Bank policy
• income proof and credit score may be checked

Advantages:

• strong Airtel bill payment fit
• useful for broadband/mobile-heavy freelancers
• moderate annual fee
• renewal waiver possible above annual spend threshold
• useful for selected everyday categories

Challenges:

• ₹500 joining fee
• ₹500 annual fee from second year
• annual fee waiver excludes rent and wallet load spends
• forex markup is high for international freelancer expenses
• category caps and extra charges must be checked

AU LIT Credit Card

Best for:

• freelancers with irregular spending
• users who want optional benefits
• mixed personal + freelance expenses
• users who do not want fixed annual fee pressure
• freelancers wanting flexibility over fixed rewards

Eligibility:

• self-employed age 25 to 65 years
• salaried age 21 to 60 years
• resident Indian
• approval subject to AU Bank policy

Advantages:

• lifetime-free base card
• customisable features
• useful for irregular spending
• no fixed benefit structure forced on user
• good personal + freelance hybrid card

Challenges:

• paid optional features may reduce value
• not a business card
• feature selection needs tracking
• not ideal for clean business expense separation

AU Altura Credit Card

Best for:

• beginner freelancers
• low monthly spenders
• users wanting a backup card
• users who want a low-fee starter card
• mixed personal + small freelance expenses

Eligibility:

• self-employed age 25 to 65 years
• salaried age 21 to 60 years
• resident Indian
• approval subject to AU Bank policy

Advantages:

• low annual fee
• fee waiver possible
• beginner-friendly positioning
• useful as a backup card
• simple compared with premium cards

Challenges:

• basic rewards and benefits
• not a freelancer-specific card
• weak for high business spends
• not ideal for forex or UPI-heavy users

IDFC FIRST Select Credit Card

Best for:

• eligible freelancers with stronger documented income
• users wanting lifetime-free lifestyle card
• mixed personal + freelance spends
• users wanting lower forex than many mass cards
• freelancers with decent credit profile

Eligibility:

• annual income requirement applies
• bank approval required
• stronger income/profile fit needed than FD-backed cards

Advantages:

• lifetime-free positioning
• 1.99% forex markup
• domestic lounge access subject to spend condition
• lifestyle benefits
• no annual fee pressure

Challenges:

• not freelancer-specific
• approval is not guaranteed
• income/profile fit matters
• business expense tracking is weaker than business cards

1. IDFC FIRST Business Max Credit Card

IDFC FIRST Business Max Credit Card is the strongest default freelancer card if you are GST-registered.

It is designed for entrepreneurs and growing businesses, and it works well for freelancers who want to separate business expenses from personal expenses.

It is FD-backed, lifetime-free, and UPI-ready.

That makes it practical for:

• GST-registered freelancers
• consultants
• creators
• agency owners
• developers
• marketers
• small business owners
• freelancers paying vendors through UPI

The biggest strength is the combination of approval ease and business utility.

Since it is FD-backed and does not require income proof, it solves a common freelancer problem.

The biggest limitation is GST.

If you do not have GST registration, this card may not be practical.

Benchmarksutra View

This is the best default pick for GST-registered freelancers.

It gives business utility, UPI support, no annual fee pressure, and easier approval due to FD backing.

IDFC FIRST Business Max Credit Card Snapshot

2. IDFC FIRST WOW! Credit Card

IDFC FIRST WOW! Credit Card is one of the safest starting points for freelancers with weak documentation.

It is a secured card backed by a fixed deposit.

This makes it useful for freelancers who:

• do not have salary slips
• have irregular income
• are new to credit
• have weak or no CIBIL history
• want to build credit history
• have faced rejection for unsecured cards
• pay for foreign tools or subscriptions

The main advantage is approval accessibility.

Instead of relying heavily on salary proof, the bank uses your fixed deposit as backing.

This makes the card more practical for freelancers who earn, but do not have clean monthly salary documentation.

Benchmarksutra View

This is the safest starter card for freelancers with weak documentation or thin credit history.

It may not be the highest reward card, but it can help build credit history and improve future approval chances.

IDFC FIRST WOW! Credit Card Snapshot

3. IDFC FIRST Business Multiplier Credit Card

IDFC FIRST Business Multiplier Credit Card is the strongest card in this list for freelancers with international business expenses.

It is useful for:

• SaaS tools
• cloud hosting
• design tools
• developer tools
• foreign subscriptions
• digital advertising
• overseas business travel
• international client-facing work

The card has zero forex markup, which can be valuable for freelancers who regularly pay international merchants.

It is also FD-backed, so approval friction is lower than many unsecured premium cards.

But it needs GST and a higher FD.

Benchmarksutra View

This is the best card for serious freelancers with international expenses.

It is not for every freelancer, but it is very strong if foreign SaaS, ads, software, or travel are material expenses.

IDFC FIRST Business Multiplier Credit Card Snapshot

4. AU Business Cashback Credit Card

AU Business Cashback is the most relevant AU Bank card for freelancers who want a business-style card.

It is useful for:

• freelancers with regular business spends
• consultants
• creators
• agency owners
• small business owners
• people who prefer cashback over complex rewards

The monthly fee means this card only makes sense if cashback and expense separation justify the cost.

It is not as approval-friendly as FD-backed business cards.

But for freelancers who prefer AU Bank and want a cashback-style business card, it is the strongest AU option here.

Benchmarksutra View

Good for freelancers who want AU Bank and business cashback.

But the monthly fee must be recovered through actual value.

AU Business Cashback Credit Card Snapshot

5. Amazon Pay ICICI Credit Card

Amazon Pay ICICI can work well for freelancers who regularly spend on Amazon.

It is useful for:

• work equipment
• office accessories
• electronics
• books
• software-adjacent purchases
• household supplies
• creator gear
• home-office items

The biggest strength is simple cost.

There is no joining fee and no annual fee.

But the card is invite-only, so not every freelancer can directly apply and get approved.

Benchmarksutra View

This is a strong low-cost card if you are eligible and already spend meaningfully on Amazon.

But freelancers should not treat it as a guaranteed approval option because access is invite-based.

Amazon Pay ICICI Credit Card Snapshot

6. Tata Neu Plus HDFC Bank Credit Card

Tata Neu Plus HDFC can suit freelancers who spend in the Tata ecosystem and want RuPay UPI support.

It may be useful for:

• BigBasket spends
• Croma electronics
• Tata 1mg medicine purchases
• Tata CLiQ shopping
• Tata Neu app spends
• UPI merchant payments
• household and work-from-home expenses

For self-employed users, eligibility depends on ITR.

This makes it better for freelancers who already file ITR properly and have documented income.

Benchmarksutra View

This card is useful if your freelance income is documented and your spending fits Tata Neu or UPI usage.

It is not a universal freelancer card.

It is an ecosystem card.

Tata Neu Plus HDFC Bank Credit Card Snapshot

7. Airtel Axis Bank Credit Card

Airtel Axis can be useful for freelancers who spend regularly on telecom and utility-style payments.

It may fit users who have:

• Airtel mobile bills
• Airtel broadband
• Airtel WiFi
• Airtel DTH
• recurring digital expenses
• work-from-home connectivity costs

This is especially relevant for freelancers working from home because broadband and mobile bills are regular expenses.

But the card has category-specific rules and charges.

Freelancers should check whether their actual spend categories qualify before relying on headline cashback.

Benchmarksutra View

This card can be useful for Airtel-heavy freelancers.

But it should not be chosen only because of headline cashback. Check caps, utility rules, wallet rules, annual fee recovery, and forex markup.

Airtel Axis Bank Credit Card Snapshot

8. AU LIT Credit Card

AU LIT is useful if the freelancer wants a customisable lifestyle card and does not want to commit to a fixed benefits structure.

It may fit:

• freelancers with irregular spending
• users who want optional benefits
• people who mix personal and freelance expenses
• users who do not want a fixed annual fee card

The base card is lifetime-free, but optional features may have fees.

So the card works best when you choose benefits carefully.

Benchmarksutra View

Useful as a personal + freelance hybrid card, but not ideal if you want clean business expense tracking.

AU LIT Credit Card Snapshot

9. AU Altura Credit Card

AU Altura is a low-fee entry card.

It can work for:

• beginner freelancers
• low monthly spenders
• users wanting a backup card
• users with small mixed personal and work spends

It is not a strong freelancer-specific card.

But it can be a reasonable starter option if your spends are small and you want a low-fee card.

Benchmarksutra View

Good starter or backup option, but not a strong freelancer card unless your spends are very small.

AU Altura Credit Card Snapshot

10. IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card can work for freelancers who qualify for an unsecured lifetime-free card.

It can be useful if you want:

• no annual fee pressure
• lifestyle benefits
• reward points
• movie and travel benefits
• lower forex markup than many mass cards
• mixed personal and freelance use

The challenge is approval.

A freelancer with strong income proof, ITR, banking relationship, and credit history may have better chances than a freelancer with thin documentation.

Benchmarksutra View

This is a decent option for eligible freelancers who want a lifetime-free lifestyle card.

But if your documentation is weak, a secured card may be more realistic.

IDFC FIRST Select Credit Card Snapshot

Eligibility Comparison for Freelancers

Best Cards by Freelancer Use Case

Best Cards by Freelancer Use Case

Secured vs Unsecured Cards for Freelancers

AU Bank vs IDFC FIRST Bank for Freelancers

Do Not Mix Business Cash Flow With Card Debt

Freelancers often have irregular income.

Do not use a credit card to cover business cash flow gaps unless you are sure you can repay the full bill before the due date.

Credit card interest can become expensive quickly.

A credit card is useful for planned spends.

It is dangerous for rolling unpaid dues.

What Freelancers Should Avoid

Applying for Premium Cards Too Early

Premium cards may reject freelancers with weak ITR, irregular income, or thin credit history.

Using Credit Card as Emergency Income

A credit card is not income. It is borrowed money.

Ignoring Annual Fees

A paid card must recover its fee through real benefits.

Paying Only Minimum Amount Due

This can create high-interest debt.

Using Card for Cash Withdrawal

Credit card cash withdrawal is usually expensive.

Applying Randomly to Many Banks

Too many applications can reduce approval chances.

How Freelancers Can Improve Credit Card Approval Chances

Step 1: File ITR properly

A clean ITR helps prove income for self-employed users.

Step 2: Maintain clean bank statements

Use a bank account where freelance income is visible and consistent.

Step 3: Build CIBIL history slowly

Start with a secured or beginner card if needed.

Step 4: Keep utilisation low

Avoid keeping existing credit cards close to their limit.

Step 5: Avoid multiple applications

Apply for one suitable card instead of applying randomly.

Step 6: Use existing bank relationship

Apply through a bank where you already have transactions, FD, savings account, or business account.

Step 7: Choose the right card type

If documentation is weak, choose secured first. If income proof is strong, compare unsecured options.

Freelancer Credit Card Selection Checklist

Final Difference Table: Which Card Should a Freelancer Choose?

Why IDFC FIRST Business Max Credit Card Scores Highest

IDFC FIRST Business Max Credit Card scores highest for freelancers because it solves three common freelance problems together:

1. approval friction,
2. business payment utility,
3. fee control.

It is FD-backed, requires no income proof, is positioned as lifetime-free, and supports UPI business payments.

The catch is GST.

If you are a freelancer without GST registration, Business Max may not be practical even if the card itself is strong.

For GST-registered freelancers and sole proprietors, it is the strongest default pick in this comparison.

Why IDFC FIRST WOW! Credit Card Is Still the Safest Starter Pick

IDFC FIRST WOW! Credit Card is not the highest reward card.

But it is one of the safest starting points for freelancers with weak documentation.

It works well when:

• you do not have salary slips
• your income is irregular
• you do not have strong ITR
• you are new to credit
• you were rejected for unsecured cards
• you want to build credit history

For a new freelancer, approval and credit-building can matter more than rewards.

That is why WOW! gets a high score despite being a secured card.

Why IDFC FIRST Business Multiplier Credit Card Works for International Freelancers

Many freelancers pay international merchants.

Examples:

• design tools
• developer tools
• cloud hosting
• AI tools
• email tools
• productivity tools
• ad platforms
• SaaS subscriptions
• international travel

A normal card with high forex markup can quietly reduce value.

IDFC FIRST Business Multiplier Credit Card becomes useful when international spending is material because it offers zero forex markup.

But it is not the best fit for every freelancer.

It works best for GST-registered freelancers who can justify the higher FD requirement and annual-fee waiver condition.

Benchmarksutra Verdict

For most freelancers, IDFC FIRST Bank has the stronger freelancer-focused lineup.

The reason is simple: IDFC FIRST Bank offers multiple FD-backed options that reduce approval friction for self-employed users.

Choose:

• IDFC FIRST WOW! Credit Card if approval is the main issue.
• IDFC FIRST Business Max Credit Card if you are GST-registered and want a practical business card with UPI utility.
• IDFC FIRST Business Multiplier Credit Card if you pay for international SaaS, tools, ads, hosting, software, or business travel.
• AU Business Cashback Credit Card if you specifically want an AU business cashback card.
• Amazon Pay ICICI Credit Card if you are invited and spend heavily on Amazon.
• Tata Neu Plus HDFC Bank Credit Card if your spends are concentrated on Tata Neu and UPI.
• Airtel Axis Bank Credit Card if your regular broadband/mobile spends are with Airtel.
• AU LIT Credit Card or AU Altura Credit Card only if your freelance spends are small or mixed with personal use.
• IDFC FIRST Select Credit Card if you qualify and want a lifetime-free lifestyle card.

Benchmarksutra pick:

• Best default freelancer card: IDFC FIRST Business Max Credit Card
• Best starter card: IDFC FIRST WOW! Credit Card
• Best international-spend card: IDFC FIRST Business Multiplier Credit Card
• Best AU Bank option: AU Business Cashback Credit Card

Approval Disclaimer

Credit card approval is always subject to the issuing bank’s internal policies.

Meeting listed eligibility criteria does not guarantee approval.

Banks may still evaluate:

• CIBIL score
• repayment history
• income profile
• ITR or bank statements
• GST details, where applicable
• existing debt
• credit utilisation
• location
• KYC verification
• internal risk policy

Use this article as a decision guide, not as an approval guarantee.

Final Takeaway

Freelancers should not copy salaried-user credit card recommendations blindly.

The right card depends on:

1. income proof
2. ITR
3. GST registration
4. bank statement quality
5. CIBIL history
6. approval chances
7. annual fee
8. spend pattern
9. forex needs
10. UPI needs
11. repayment discipline

If you are new to credit or lack income proof, start secured.

If you have GST registration and business spends, consider business cards.

If your profile is strong, compare unsecured cards by real reward value and fee recovery.

Do not chase premium cards before your profile supports them.

FAQs

Can freelancers get credit cards in India?

Yes. Freelancers can get credit cards in India, but approval depends on income proof, ITR, bank statements, CIBIL history, documents, GST details where applicable, and bank policy.

Which credit card is best for freelancers with no income proof?

A secured credit card backed by fixed deposit is usually more realistic. IDFC FIRST WOW! Credit Card is one such option because it is FD-backed and does not require income proof in the same way as unsecured cards.

Which is the best default card for GST-registered freelancers?

IDFC FIRST Business Max Credit Card is the strongest default pick for GST-registered freelancers because it is FD-backed, lifetime-free, UPI-ready, and business-focused.

Which card is best for freelancers with international expenses?

IDFC FIRST Business Multiplier Credit Card is the strongest option in this comparison for freelancers with international SaaS, hosting, tools, ads, and foreign travel expenses because of zero forex markup.

Is a secured credit card good for freelancers?

Yes. A secured card can help freelancers build credit history when income proof is weak or unsecured approval is difficult.

Which credit card is best for freelancers using Amazon?

Amazon Pay ICICI Credit Card can be useful for Amazon-heavy freelancers if they are eligible and invited.

Which credit card is best for freelancers using UPI?

IDFC FIRST Business Max Credit Card is better for GST-registered freelancers using UPI for business payments. Tata Neu Plus HDFC Bank Credit Card can be useful for Tata ecosystem and RuPay UPI spends if eligibility is met.

Should freelancers get premium credit cards?

Only if their income proof, ITR, credit history, and spending pattern justify it. Beginners and freelancers with weak documentation should avoid premium cards initially.

Can freelancers get a credit card without ITR?

It may be difficult for unsecured cards. A secured credit card against fixed deposit may be easier if ITR or income proof is not strong.

What should freelancers check before applying for a credit card?

Freelancers should check income proof, ITR, GST requirement, CIBIL score, bank statements, existing debt, approval fit, annual fee, rewards, forex markup, UPI utility, and repayment ability.

Improve Approval Chances Before Applying

Before applying for a freelancer credit card, check your CIBIL score, utilisation, income proof, documents, bank relationship and card fit.

Data checked as of: 9 May 2026
Primary sources checked: Official IDFC FIRST Bank, AU Small Finance Bank, ICICI Bank, HDFC Bank and Axis Bank credit card pages.
Methodology source: Benchmarksutra credit card framework.
Affiliate disclosure: This article may contain affiliate links. If you apply through some links, Benchmarksutra may earn a commission at no extra cost to you. This does not affect our scoring or editorial verdict.
Approval disclaimer: Credit card approvals are subject to the issuing bank’s internal policy and verification, irrespective of listed eligibility or card features.