Best Credit Card Recommendations & Referral Offers 2026

Top Recommendations

Best Cards for Your Lifestyle

Hand-picked credit cards that offer the best value, rewards, and lounge access in 2026.

Axis Bank

Flipkart Credit Card

5% Cashback on Flipkart
7.5% Cashback on Myntra
4% Unlimited on Swiggy & Uber
4 Free Lounge Access / year

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Joining: ₹500 Lifetime Free Eligible

super.money (Kotak/Axis)

superCard (FD-Backed)

100% Guaranteed Approval
90% Credit Limit of FD
6% p.a. Interest on your FD
UPI Spends Enabled

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Min FD: ₹1,000 Lifetime FREE

Quick Comparison

Feature	Flipkart Axis Card	superCard (Secured)
Type	Unsecured (Regular)	Secured (FD-Backed)
Joining Fee	₹500 (Waived on Spend)	₹0 (Lifetime Free)
Approval Logic	CIBIL & Income Based	100% Instant (No Income)
Primary Perk	High Shopping Cashback	Credit Score Building / UPI
Min Credit Score	750+ Recommended	None (Starts from 0)

Recommendation Guide

Which Card is for You?

Pick the card that matches your current financial goal.

The Savvy Shopper

If you spend frequently on Flipkart, Myntra, Swiggy, or Uber, the Axis Flipkart Card is your best bet for massive annual savings.

The Credit Builder

New to credit or having a low score? Start with superCard. It guarantees approval and builds your score while earning FD interest.

The UPI Power User

Love using UPI for every small tea stall payment? The superCard RuPay variant lets you pay via credit on any UPI QR code.

Common Queries

Credit Card FAQs

Everything you need to know about our top recommended credit cards.

What is a Secured Credit Card?

A secured credit card is backed by a cash deposit (Fixed Deposit), which acts as collateral for the issuer. These cards offer 100% approval and are perfect for individuals with no credit history or low credit scores to build their financial profile.

How do FD-backed credit limits work?

Typically, you get a credit limit equal to 90% of your Fixed Deposit amount. Your FD continues to earn interest (e.g., 6% p.a.) while you enjoy the benefits of a credit card without needing income proof.

Why should I choose a RuPay Credit Card?

RuPay credit cards allow you to link your card to UPI apps. This means you can "Scan and Pay" at any merchant QR code using your credit limit, earning rewards even on small daily transactions.

How can I build my credit score with these cards?

By using your card for regular spends and paying your bills in full and on time, you demonstrate responsible credit behavior. This information is reported to credit bureaus, significantly improving your credit score over time.

What are joining and annual fees?

Most premium cards have a joining fee (one-time) and an annual fee (recurring). However, many co-branded cards like the ones listed here offer fee waivers if you reach a certain annual spend milestone (e.g., ₹3.5 Lakhs).

Why Apply Through Digital Abhishek?

Expert Curation

We only list cards that we have personally tested and found to offer superior value compared to others.

Direct Official Links

All links lead directly to bank portals, ensuring your data remains secure and private.

Smart Tip

Always pay your total due in full to avoid high interest rates and keep your credit score healthy.

Real Impact

Verified Success Stories

See how our community is optimizing their finances.

RJ

Rahul J.

"Got my superCard in just 5 mins via the app. The ₹20k limit is perfect for my UPI spends and building my score."

AS

Anjali S.

"The 5% Flipkart cashback is no joke. I've already saved ₹2,000 in two months on electronics and groceries."

MK

Mohit K.

"Finally a card that works with UPI! Love the seamless experience of scanning any QR and paying via credit."

Transparency First

Financial Disclosure & Transparency

We participate in affiliate programs to keep our content free. If you apply via our links, we may earn a small referral commission at no extra cost to you.

Risk Assessment Note

Credit approval is at the bank's sole discretion based on CIBIL and income. Please read the official Most Important Terms & Conditions (MITC) before applying. We are not SEBI-registered advisors.

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