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Basic Details
Income Details

Your Name*

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Your Mobile Number*

Enter your mobile no.

Your E-Mail Address*

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Date of Birth (As per PAN)*

Enter Date of Birth (As per PAN)

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If you are existing user, Click Here

We have a Credit Card for Everyone

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Featured
Travel
Cashback

IDFC bank First Millenia credit card
BOBCARD Easy

AU Bank LIT Credit Card

Get accelerated 10x or 5x Reward Points on all online and offline domestic and international transactions.

1st Year Fees :
Lifetime Free

Annual Fees :
Lifetime Free

Save more on

Shopping

Travel

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How it Works

Rating & Reviews

The results speak for themselves, see our reviews from happy users

At first place i could not believe that getting a credit card is that easy and quick. Thanks to IndiaLends for being such a great help. 10 out of 10 for their consultative approach. Also, my big thanks to the agent for guiding me throughout my credit card application process. Keep it up guys. Great Work!!!

Narender Kumar

It's very nice.. I have applied Rbl bank credit card.. Thanks for Mr. Paras. He told me about this application.. You can get credit card.. Thanks Indialends

Nitin Singh

Excellent App to know your credit history and score. I got my credit report and the credit history absolutely free for 12 months. The report's actual cost is Rs.1200 and they are offering it with no cost. Thanks IndiaLends

Kannan Babu

They are amazing, they guide you through all the necessary processes. They are just a mail or call away. Very helpful. India lends executives are polite, professional and always ready to help. Happy and satisfied with their service . My loan is approved and disbursed.

Chandni Subba

Narender Kumar

It's very nice.. I have applied Rbl bank credit card.. Thanks for Mr. Paras. He told me about this application.. You can get credit card.. Thanks Indialends

Nitin Singh

Kannan Babu

Chandni Subba

Awards & Recognitions

We are humbled that our work has been recognised

Google selected IndiaLends for the 4th edition of the Launchpad Accelerator Program, at the Google Developers Launchpad Space in San Francisco.
Best Emerging Tech Vendor of the Year at ET BFSI Excellence Awards 2019.
Gaurav Chopra, Co-Founder & CEO IndiaLends won Entrepreneur of the year 2019 by Business World.
SKOCH Order-of Merit Awards, 2019.
IndiaLends was part of Inc42's 42Next 2018, a list of the 42 most innovative startups causing an impact in the Indian startup ecosystem.
Mayank Kachhwaha, Co-Founder & COO IndiaLends won Forbes India 30 under 30 entrepreneur.

Frequently Asked Questions

A Credit Card is a plastic card issued by a financial institution which offers a line of credit to the customer to purchase goods/services. This line of credit comes with a limit which allows a customer to consume up to a specific amount, set by the financial institution which has offered the card.
A Debit Card allows you to withdraw money deposited in your bank account. Hence, the money that is being used is deducted from your bank account. However, a Credit Card is a form of Credit which is not related to your Personal bank accounts.
An equated monthly instalment (EMI) is the amount of money that is paid back to the lender on a monthly basis. It is essentially made up of two parts, the principal amount and the interest on the principal amount equally divided across each month in pre-decided tenure. The EMI is always paid up to the bank or lender on a fixed date each month until the total amount due is paid up during the tenure.
If you have a bad Credit Score, have defaulted on repayments or don’t meet the basic criteria, you are likely to get rejected. If you do not meet the bank’s eligibility, you are likely to get rejected as well.
Yes, you can deactivate your card by contacting the Customer Care Service or your home branch.

AU Bank LIT Credit Card

Get accelerated 10x or 5x Reward Points on all online and offline domestic and international transactions.

1st Year Fees : Lifetime Free | Annual Fees : Lifetime Free

Save more on

Shopping Travel Travel

Apply Now

IDFC bank First Millenia credit card

10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on your birthday.

1st Year Fees : ₹ 0 | Annual Fees : ₹ 0

Save more on

Shopping Rewards Rewards

Apply Now

BOBCARD Easy

Lifetime Free Card. No Joining Fees. No Annual Fee.

1st Year Fees : ₹ 0 | Annual Fees : ₹ 0

Save more on

Shopping Rewards Rewards

Apply Now

Axis Bank Magnus Credit Card

Choose between one complimentary domestic flight ticket and a Tata CLiQ voucher worth Rs. 10,000 as your annual benefit.

1st Year Fees : ₹ 10000 + GST | Annual Fees : ₹ 10000 + GST

Save more on

Rewards Rewards Travel Travel

Apply Now

Axis Bank Select Credit Card

Priority Pass Membership with upto 12 international lounge.

1st Year Fees : ₹ 3000 + GST | Annual Fees : ₹ 3000 + GST

Save more on

Shopping Rewards Rewards

Apply Now

SBI Bank Elite Credit Card

Welcome e-Gift Voucher worth Rs. 5,000.

1st Year Fees : ₹ 4999 + GST | Annual Fees : ₹ 4999 + GST

Save more on

Shopping Rewards Rewards

Apply Now

American Express® Platinum Travel Credit Card

Welcome Gift of 10,000 Membership Rewards points*, redeemable for Flipkart voucher or Pay with Points option in Amex Travel Online worth Rs. 3,000.

1st Year Fees : ₹ 3500 + GST | Annual Fees : ₹ 5000 + GST

Save more on

Rewards Rewards Travel Travel

Apply Now

Pulse SBI CARD

Complimentary 8 Domestic Lounge visits and Priority Pass Membership worth US $99 for first two years of cardholder membership.

1st Year Fees : ₹ 1499 + GST | Annual Fees : ₹ 1499 + GST

Save more on

Airport Airport Lounge Travel Travel

Apply Now

IDFC bank First Select credit card

Complimentary Airport and Railway lounge access – Railway &Domestic Lounge Access - 4 per quarter with Air accident covers of Rs. 1 Crore.

1st Year Fees : ₹ 0 | Annual Fees : ₹ 0

Save more on

Airport Airport Lounge Travel Travel

Apply Now

Standard Chartered Smart Credit Card

Spend Rs. 2,500 within 30 days of card issuance. Also, enjoy ZERO annual fee for first year.

1st Year Fees : ₹ 350 + GST | Annual Fees : ₹ 350 + GST

Save more on

Shopping Rewards Rewards

Apply Now

Axis Bank MY Zone Credit Card

Complimentary Annual SonyLiv Premium Subscription of Rs. 999.

1st Year Fees : ₹ 0 | Annual Fees : ₹ 0

Save more on

Rewards Rewards movie Movie

Apply Now

AU Bank Altura Credit Card

5% Cashback on minimum Rs. 2,500 retail spends done within first 60 days of card setup.

1st Year Fees : LifeTime Free | Annual Fees : LifeTime Free

Save more on

Shopping Rewards Reward

Apply Now

Learn More

Personal Loan

A personal loan is a credit facility that does not require collateral and is offered by banks and NBFCs to employed individuals. IndiaLends, the largest online personal loan provider in the country, has assisted over 150,000 customers and collaborates with more than 70+ RBI-Approved partners to offer personal loans tailored to different customer profiles. Here are some notable features of the convenient personal loans available through IndiaLends.

Personal Loan Interest Rate

The interest rates offered to customers are subject to variation based on their individual profiles. Typically, loan rates begin at approximately 10.25%. To improve the likelihood of obtaining a loan at a lower interest rate, it is advisable to maintain a strong credit history. Ideally, a CIBIL score above 750 is considered favorable.

Personal Loan Tenure

The repayment period for a Personal Loan typically ranges from 3 months to 6 years, allowing borrowers to choose a tenure that aligns with their requirements. Whether one needs a short-term or long-term loan, they have the flexibility to select a suitable repayment duration. However, it is crucial to ensure that the Equated Monthly Installment (EMI) amount is manageable and can be comfortably repaid each month.

Documents required to apply for a Personal loan

Financial institutions typically require certain documents before approving and disbursing a loan. These documents include identification proof, address proof, a copy of the PAN card, salary slips, recent bank statements, photographs, ECS mandates, and post-dated cheques.

Personal Loan With Zero Pre-Payment Fee

Certain NBFCs offer customers the flexibility to fully repay the loan amount or make partial pre-payments towards the principal. However, specific terms and conditions are typically associated with such pre-payments. For instance, pre-payment is usually allowed after 12 months, and a pre-payment fee may be levied on the repaid amount. Nevertheless, these terms may vary depending on the product, so it is essential to seek clarification from your lender regarding pre-payment policies before the loan disbursal.

Low-Interest Personal Loan

As discussed earlier, the interest rates for personal loans can vary based on the customer's profile. IndiaLends employs algorithms to strive to obtain the most competitive interest rate product available for each customer.

Personal Loan From Banks

Banks are financial institutions registered with the Reserve Bank of India (RBI) and engaged in various activities such as accepting deposits and providing loans. In addition to universal banks, the RBI has recently introduced payment banks and small finance banks. However, only universal banks and small finance banks are authorized to lend to individuals. Applying through IndiaLends offers the simplest method to obtain a personal loan from the leading banks in the country. IndiaLends has established collaborations with renowned banks and NBFCs, including HDFC, ICICI, RBL, IndusInd, Kotak, Yes Bank, and more.

Personal Loan From NBFCs

NBFCs are non-banking financial institutions registered with the Reserve Bank of India (RBI), primarily engaged in lending to individuals and businesses. Unlike banks, NBFCs are generally not authorized to accept customer deposits. They rely on borrowing funds from banks for their lending activities, which often results in comparatively higher interest rates on Personal Loans than those offered by banks. Additionally, NBFCs tend to cater to a higher-risk profile segment, leading to higher acceptance rates for loan applications.

New To Credit Loans

Although CIBIL and Experian maintain records for more than 150 million individuals, a significant majority have never borrowed from an RBI-regulated financial institution that is a member of a credit bureau. As a result, these individuals lack a credit bureau record, meaning they have no credit history or credit score. Due to the absence of a credit file, they often encounter difficulties in securing loans from financial institutions. However, IndiaLends has forged special partnerships with various banks, enabling them to assist some individuals who are new to credit (with thin credit files) in accessing low-interest personal loans.

Recently Declined Personal Loan Application

A significant number of consumers face loan application rejections from banks due to factors such as inadequate credit history, limited affordability, insufficient supporting documents, and more. However, IndiaLends can assist some of these customers in obtaining affordable loans through collaborations with specialized NBFCs.

Banks and NBFCs Partners

IndiaLends has established partnerships with a comprehensive range of lending institutions, encompassing both prominent and smaller entities. Our collaborations include renowned banks such as HDFC, ICICI, SBI, Kotak, IndusInd, Tata Capital, Bajaj Finserv, IDFC First, IIFL, IndiaBulls, RBL Bank, DHFL, Aditya Birla Capital, American Express, among others, ensuring a wide array of options for our customers.

Loans For Phones / Desktops / Laptops And Tablets

IndiaLends offers easy installment personal loans starting from as low as Rs. 25,000 for customers who wish to purchase the latest gadgets, whether it's an iPhone 7 or a MacBook Pro. This allows individuals to acquire their desired gadgets through manageable loan amounts and easy repayment options.

EMI Without Credit Cards

While e-commerce marketplaces offer convenient EMI options for significant purchases, these benefits are typically limited to customers who already possess credit cards. Unfortunately, this privilege extends to only a small proportion of the population, approximately 10 million individuals across the country. However, IndiaLends provides an accessible solution through its online personal loan, enabling individuals to swiftly make large-ticket purchases on e-commerce platforms and convert them into affordable EMIs. This expands the opportunity for a broader segment of customers to enjoy the convenience of EMI-based shopping on e-commerce portals.

Credit Report

A credit report serves as a financial report card, encompassing historical data regarding an individual's loans and credit cards. Various types of loan accounts are included, such as Credit Cards, Personal Loans, Home loans, gold loans, Car loans, Two-Wheeler loans, business loans, Loan against Property, Agriculture loans, and more. Each account provides detailed information about repayment history, loan amount, tenure, open and close dates, and other relevant details. Credit Bureaus utilize this information to assess the risk associated with an individual, resulting in a credit score. The credit score ranges from 300 to 900, and a higher score increases the likelihood of loan approval. In India, there are four credit bureaus—CIBIL, Experian, Equifax, and Hi-Mark—providing credit scores to individuals. IndiaLends has partnered with Experian and Hi-Mark credit bureaus to offer its customers free credit reports and analysis. Additionally, IndiaLends customers also receive complimentary credit report refreshments every quarter for the first 12 months.

PRODUCTS

Personal Loans Business Loan Credit Cards Credit Score Gold Loan
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PERSONAL LOANS CITYWISE

Personal Loan in Kolkata Personal Loan in Hyderabad Personal Loan in Chennai Personal Loan in Mumbai Personal Loan in Delhi Personal Loan in Pune Personal Loan in Bangalore Personal Loan in Jaipur Personal Loan in Ahmedabad Personal Loan in Hubli Personal Loan in Coimbatore Personal Loan in Surat Personal Loan in Nagpur Personal Loan in Indore Personal Loan in Vijayawada Personal Loan in Baroda Personal Loan in Kochi Personal Loan in Gwalior Personal Loan in Varanasi Personal Loan in Patna Personal Loan in Dehradun Personal Loan in Chandigarh Personal Loan in Mangalore Personal Loan in Lucknow Personal Loan in Mysore Personal Loan in Trivandrum Personal Loan in Jamshedpur Personal Loan in Kanpur Personal Loan in Kota Personal Loan in Visakhapatnam Personal Loan in Raipur Personal Loan in Bhopal Personal Loan in Jodhpur Personal Loan in Cuttack Personal Loan in Bhubaneswar
PERSONAL LOANS BANKWISE

HDFC Personal Loan IDFC First Personal Loan Bajaj Finserv Personal Loan ICICI Personal Loan Kotak Personal Loan Yes Bank Personal Loan Personal Loan Balance Transfer Small Amount Personal Loan
CREDIT SCORE

Cibil Score for Car Loan Cibil Score Customer Care Cibil Score for Credit Card Cibil Score for Personal Loan Cibil Credit Report Practices that leads to Bad Credit Score Loan settlement and your Credit Score Equifax Credit Report Credit Bureaus in India Improve your Credit Score Achieve Good Credit Score Experian Credit Report Myths about Credit Score Highmark Credit Score Repair Faulty Credit Report Resolve Cibil Dispute Read Cibil Report Cibil Score Benefits Correlation between credit rating and debts Minimum payment affect your Credit Score How is your Credit Score calculated How to read Credit Report How your Credit Score is used Impact on late payment on Credit Score Importance of Credit Score Reason to check Credit Report regularly Steps to check Credit Report Steps to rectify your Credit Report Things you won't find in credit report Can a Credit Card Improve Your Credit Score? Credit Monitoring Credit Score Matters at Retirement Major Factors That Affect Your Credit Score Credit Report Checklist Reasons for Loan Rejection Other Than Credit Score Loan Settlement Can Ruin Your Credit Score Does a name change affect your Credit Score? Effects of PAN Card on Credit Score The Link Between MCLR and Credit Score Applying for a Home Loan? Improve your Credit Score How to Remove Your Name from CIBIL’s Defaulter List How Can Customers Check their Credit History Payment History - How it Affects Your Credit Score Who issues Credit Ratings or Credit Scores Credit Report for Business Loan Can your employment get affected by your credit score How Long It Take To Improve Credit Score
LEARN MORE

Personal Loan

A personal loan is a credit facility that does not require collateral and is offered by banks and NBFCs to employed individuals. IndiaLends, the largest online personal loan provider in the country, has assisted over 150,000 customers and collaborates with more than 70+ RBI-Approved partners to offer personal loans tailored to different customer profiles. Here are some notable features of the convenient personal loans available through IndiaLends.

Personal Loan Interest Rate

The interest rates offered to customers are subject to variation based on their individual profiles. Typically, loan rates begin at approximately 10.25%. To improve the likelihood of obtaining a loan at a lower interest rate, it is advisable to maintain a strong credit history. Ideally, a CIBIL score above 750 is considered favorable.

Personal Loan Tenure

The repayment period for a Personal Loan typically ranges from 3 months to 6 years, allowing borrowers to choose a tenure that aligns with their requirements. Whether one needs a short-term or long-term loan, they have the flexibility to select a suitable repayment duration. However, it is crucial to ensure that the Equated Monthly Installment (EMI) amount is manageable and can be comfortably repaid each month.

Documents required to apply for a Personal loan

Financial institutions typically require certain documents before approving and disbursing a loan. These documents include identification proof, address proof, a copy of the PAN card, salary slips, recent bank statements, photographs, ECS mandates, and post-dated cheques.

Personal Loan With Zero Pre-Payment Fee

Certain NBFCs offer customers the flexibility to fully repay the loan amount or make partial pre-payments towards the principal. However, specific terms and conditions are typically associated with such pre-payments. For instance, pre-payment is usually allowed after 12 months, and a pre-payment fee may be levied on the repaid amount. Nevertheless, these terms may vary depending on the product, so it is essential to seek clarification from your lender regarding pre-payment policies before the loan disbursal.

Low-Interest Personal Loan

As discussed earlier, the interest rates for personal loans can vary based on the customer's profile. IndiaLends employs algorithms to strive to obtain the most competitive interest rate product available for each customer.

Personal Loan From Banks

Banks are financial institutions registered with the Reserve Bank of India (RBI) and engaged in various activities such as accepting deposits and providing loans. In addition to universal banks, the RBI has recently introduced payment banks and small finance banks. However, only universal banks and small finance banks are authorized to lend to individuals. Applying through IndiaLends offers the simplest method to obtain a personal loan from the leading banks in the country. IndiaLends has established collaborations with renowned banks and NBFCs, including HDFC, ICICI, RBL, IndusInd, Kotak, Yes Bank, and more.

Personal Loan From NBFCs

NBFCs are non-banking financial institutions registered with the Reserve Bank of India (RBI), primarily engaged in lending to individuals and businesses. Unlike banks, NBFCs are generally not authorized to accept customer deposits. They rely on borrowing funds from banks for their lending activities, which often results in comparatively higher interest rates on Personal Loans than those offered by banks. Additionally, NBFCs tend to cater to a higher-risk profile segment, leading to higher acceptance rates for loan applications.

New To Credit Loans

Although CIBIL and Experian maintain records for more than 150 million individuals, a significant majority have never borrowed from an RBI-regulated financial institution that is a member of a credit bureau. As a result, these individuals lack a credit bureau record, meaning they have no credit history or credit score. Due to the absence of a credit file, they often encounter difficulties in securing loans from financial institutions. However, IndiaLends has forged special partnerships with various banks, enabling them to assist some individuals who are new to credit (with thin credit files) in accessing low-interest personal loans.

Recently Declined Personal Loan Application

A significant number of consumers face loan application rejections from banks due to factors such as inadequate credit history, limited affordability, insufficient supporting documents, and more. However, IndiaLends can assist some of these customers in obtaining affordable loans through collaborations with specialized NBFCs.

Banks and NBFCs Partners

IndiaLends has established partnerships with a comprehensive range of lending institutions, encompassing both prominent and smaller entities. Our collaborations include renowned banks such as HDFC, ICICI, SBI, Kotak, IndusInd, Tata Capital, Bajaj Finserv, IDFC First, IIFL, IndiaBulls, RBL Bank, DHFL, Aditya Birla Capital, American Express, among others, ensuring a wide array of options for our customers.

Loans For Phones / Desktops / Laptops And Tablets

IndiaLends offers easy installment personal loans starting from as low as Rs. 25,000 for customers who wish to purchase the latest gadgets, whether it's an iPhone 7 or a MacBook Pro. This allows individuals to acquire their desired gadgets through manageable loan amounts and easy repayment options.

EMI Without Credit Cards

While e-commerce marketplaces offer convenient EMI options for significant purchases, these benefits are typically limited to customers who already possess credit cards. Unfortunately, this privilege extends to only a small proportion of the population, approximately 10 million individuals across the country. However, IndiaLends provides an accessible solution through its online personal loan, enabling individuals to swiftly make large-ticket purchases on e-commerce platforms and convert them into affordable EMIs. This expands the opportunity for a broader segment of customers to enjoy the convenience of EMI-based shopping on e-commerce portals.

Credit Report

A credit report serves as a financial report card, encompassing historical data regarding an individual's loans and credit cards. Various types of loan accounts are included, such as Credit Cards, Personal Loans, Home loans, gold loans, Car loans, Two-Wheeler loans, business loans, Loan against Property, Agriculture loans, and more. Each account provides detailed information about repayment history, loan amount, tenure, open and close dates, and other relevant details. Credit Bureaus utilize this information to assess the risk associated with an individual, resulting in a credit score. The credit score ranges from 300 to 900, and a higher score increases the likelihood of loan approval. In India, there are four credit bureaus—CIBIL, Experian, Equifax, and Hi-Mark—providing credit scores to individuals. IndiaLends has partnered with Experian and Hi-Mark credit bureaus to offer its customers free credit reports and analysis. Additionally, IndiaLends customers also receive complimentary credit report refreshments every quarter for the first 12 months.

Get a Credit Card that

fits your needs.

elevates your lifestyle.

gives you rewards.

caters to your taste.

Check eligibility in just 2 steps

We have a Credit Card for Everyone

What is a Credit Card?

How is a Credit Card different from a Debit Card?

What is EMI? How is it calculated?

Why will my Credit Card application be rejected?

Can I deactivate my Credit Card?

PRODUCTS

RESOURCES

COMPANY

MORE

PERSONAL LOANS CITYWISE

PERSONAL LOANS BANKWISE

CREDIT SCORE

LEARN MORE

Get a Credit Card that fits your needs. elevates your lifestyle. gives you rewards. caters to your taste.

Check eligibility in just 2 steps

We have a Credit Card for Everyone

What is a Credit Card?

How is a Credit Card different from a Debit Card?

What is EMI? How is it calculated?

Why will my Credit Card application be rejected?

Can I deactivate my Credit Card?

PRODUCTS

RESOURCES

COMPANY

MORE

PERSONAL LOANS CITYWISE

PERSONAL LOANS BANKWISE

CREDIT SCORE

LEARN MORE

Get a Credit Card that

fits your needs.

elevates your lifestyle.

gives you rewards.

caters to your taste.