Compare loans & cards with transparent, real-time approvals.

DhanVayu shows you exactly what you qualify for before you apply — 100% free comparisons, zero hidden fees. Compare rates from 45+ partner banks and NBFCs in one place.

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45+ Bank & NBFC Partners 3 Min Eligibility Check 100% Safe & Secure 4.8★ User Rating 45+ Bank & NBFC Partners 3 Min Eligibility Check 100% Safe & Secure 4.8★ User Rating

Find the right product, faster

Browse our most requested loan and credit card categories — every listing shows real eligibility criteria upfront.

Loans

Partner Fintech

mPokket

₹5,000 – ₹2,00,000 • Disbursal in 10 minutes

Interest

1.5%/mo onward

time

12 months

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Partner NBFC

Poonawala

₹50,000 – ₹15,00,000 • 100% Digital process

Interest

11.5%/annum onward

Tenure

12–84 months

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Partner Fintech

Fibe

₹10,000 – ₹5,00,000 • Disbursal in 20 minutes

Interest

1.6%/mo onward

Tenure

6–36 months

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Partner Fintech

Zap Cash

₹5,000 – ₹50,000 • Disbursal in 10 minutes

Cibil

No Min Cibil Reqd

Process

100% Digital

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Partner Fintech

Ram Fincorp

₹1,000 – ₹2,00,000 • Disbursal in 5 minutes

Cibil

600+ Reqd

Tenure

upto 45 days

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Business Loan

protium

Upto ₹5Cr • 100% Digital Process

Occupation

Self Employed

Cibil

700+

Turnover

Min 1 Lakh reqd monthly

Collatrel Required

No

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Bank Loan

hdfc

Upto ₹15Lakh • 100% Digital Process

Tenure

6 to 60 months

Documents

No any documents required

Mandate

Customer should have HDFC Credit Card

Cibil

730+

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Fintech Loan

creditsea

5,000/- to 2,00,000/- • Disbursal within minutes

interest Rate

14%/annum reducing

Age

22 to 50 years old

Tenure

3 to 36 months

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High-Ticket • Bank-Grade

Premium Bank Personal Loan

Large-ticket personal financing sourced directly from scheduled commercial banks — built for salaried professionals with an established banking relationship.

Loan Amount

₹50,000 – ₹40,00,000

Interest Rate

10.25% p.a. onward

Tenure

12 – 84 months

  • Minimal documentation for existing bank account holders
  • No prepayment lock-in beyond the bank's standard policy
  • Dedicated relationship manager for high-ticket applications

Credit Cards

Lifetime Free Card

Zero joining fee, zero annual fee — issued via top most banking partner

Reward Points: 1 point per ₹100 spent, redeemable on statement credit

Fintech

Kiwi Credit Card

Credit Card

Annual Fee

0

Joining Fee

0

Best Feature

Earn Upto 5% on UPI transactions

Reward Points

Earn 2 Reward points for every Rs 200 spent

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Bank

AU LIT Credit Card

Credit Card

Annual Fee

0

Joining Fee

0

Best Feature

10% Instant Discount on Amazon and Flipkart

Other

15% Off on Domestic Flight & 10% Off on International Flight

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Bank

HDFC Pixel Play Credit Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Best Feature

5% Cashback on choice of any 2 categories

Other Offer

3% Cashback on choice of any E-commerce platform

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Bank

Axis Neo Rupay Credit Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Main Feature

Enjoy upto 10% off on Blinkit, BookMyShow and Myntra

Offer

5% off on Mobile recharge/Broadband Payment/DTH recharge

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Bank

IDFC FIRST WOW Credit Card (FD-Based)

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Credit Limit

100% of FD Amount

Rewards Point

4 ponts on 200 rs spent

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Bank

IndusInd Bank Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Airport Lounges

10 Free Domestic

Best Feature

2 Movie Ticket free annually upto 500 rs

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Bank

RBL Bank Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Rewards Point

20 points on 100 rs Spent

Best Feature

10% discount (up to ₹100) on movie tickets*

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Bank

AU Small Finance Bank Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Flight Discounts

15% Domestic & 10% International

Best Feature

5% instant discount at Croma*

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Card

Scapia Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Transaction

Zero additional markup fees*

Airport Lounges

Unlimited domestic lounges*

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Card

Axis LIC Signature Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Airport Lounges

8 Free Domestic each year*

Best Feature

Self Employed Can apply

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Card

IDFC Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Voucher

Rs 500 welcome voucher.*

Lounges

4 complimentary railway lounge*

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Card

IndusInd tiger Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Lounges

10 Complimentary airport lounge*

Best Feature

2 Complimentary movie ticket annually*

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Card

HSBC Platinum Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Vouchers

Amazon Pay, Swiggy, or Zomato vouchers*

Best Feature

2,000 bonus reward points on spending Rs 5,000*

View Full Details Apply Now
Card

RBL Shoprite Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

Offers

offers on Zomato, Swiggy, Zepto, Tata Cliq

Best Feature

10% discount (Upto Rs 100) on movie tickets*

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Cashback Card

Up to 5% cashback on online spends, credited automatically every cycle

Cashback Yield: 5% online / 1% offline, auto-credited monthly

Bank

HSBC Travel One Credit Card

Credit Card

Annual Fee

Rs 4999 + GST

Joining Fee

Rs 4999 + GST

Best Feature

Earn upto 4 Reward points for every Rs 100 spent

Other Benefit

Get upto 10 Complimentary Airport lounge visits per year

View Full Details Apply Now
Bank

HDFC IRCTC Credit Card

Credit Card

Annual Fee

Rs 500 + GST

Joining Fee

Rs 500 + GST

Best Feature

Earn 5 Reward points per Rs 100 spent on the IRCTC website

Welcome Gift

Welcome Gift voucher worth INR 500 on card activation

View Full Details Apply Now
Bank

HDFC RuPay Credit Card

Credit Card

Annual Fee

Rs 99 + GST

Joining Fee

Rs 99 + GST

Best Feature

Earn Reward Points or Cashback on everyday spends

Offer

Special deals and discounts on Indian travel, e-commerce

View Full Details Apply Now
Bank

HDFC Bank Marriott Credit Card

Credit Card

Annual Fee

Rs 3000 + GST

Joining Fee

Rs 3000 + GST

Main Feature

12 Complimentary lounge accesses in India and 12 Abroad

Offer

2 Complimentary Golf Access

View Full Details Apply Now
Bank

SBI BPCL Credit Card

Credit Card

Annual Fee

Rs 499 + GST

Joining Fee

Rs 499 + GST

Main Feature

13 RP/Rs 100 on BPCL fuel spends (~3.25% back)

Welcome Gift

2,000 Reward Points on joining (~Rs 500 value)

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Card

SBI Cashback Card

Credit Card

Joining Fee

₹999+GST

Waiver

Annual fee waived on ₹2,00,000+ spends*

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Bank

Axis Flipkart Cashback Card

Credit Card

Joining Fee

₹500

Best Feature

7.5% cashback on every transaction on Myntra*

View Full Details Apply Now

EMI Calculator

Move the sliders to see your monthly instalment and interest split update instantly.

₹5,00,000
₹10K₹50L
10.5%
5%24%
36 months
3 mo120 mo

Monthly EMI

₹16,145

Principal ₹5,00,000
Total Interest ₹81,220
Total Payment ₹5,81,220
Watch & Learn

Our latest videos

Quick, plain-language video explainers on loans, credit cards and smart money decisions.

Loan

Big Loan Amount, Woh Bhi Minito Me? 🚨 Poonawala Fincorp Reality Check

Instant Micro Loan

Zap Cash Loan in 2 Minutes? Real or Fake

Instant Micro Loan

Instant Business Loan from Protium: Eligibility, Interest & Hidden Charges

Credit Card

IndusInd Lifetime Free Credit Card: Free ke Peeche ka Asli Sach! 🛑

Credit Card

Scapia Card : 0% Forex Ke Peeche Ka Asli Sach!

View All Videos
Financial Guide

Learn before you borrow

Our latest plain-language guides on loans, credit cards, credit scores and everyday money decisions.

Instant Loan New

Top 5 RBI-Approved Instant Loan Apps for Low CIBIL Score

Low CIBIL Reality: Traditional banks reject low scores, but RBI-registered fintech apps offer quick approval for financial emergencies.

Top Trusted Apps: Platforms like KreditBee, Fibe, mPocket, CASHe, and SmartCoin provide 100% digital, fast disbursal loans.

Approval Tip: Submit accurate income proof, choose shorter tenures, and pay on time to rebuild your CIBIL score.

Check your Eligibility
Personal Loans New

Personal Loan Rejection: 5 Mistakes to Avoid

Multiple Applications: Applying at multiple banks at once signals "credit hunger" and lowers your CIBIL score.

DTI Ratio: If over 50% of your income goes to existing EMIs, lenders will reject new loan requests.

Quick Fix: Clear small debts first, apply with one trusted lender, and verify all submitted KYC and income details.

Check your Eligibility
Comparison New

Personal Loan vs. Credit Card Loan: Which is Better?

Personal Loan: Requires verification, takes 24–48 hours, offers flexible 1–5 year tenures at fixed interest rates—best for large expenses.

Credit Card Loan: Pre-approved, zero paperwork, instant disbursal—best for urgent, smaller cash needs. The Catch: Credit card loans usually charge higher interest rates and processing fees.

Check your Eligibility
Credit Card New

Best Lifetime Free Credit Cards in India

No Maintenance Costs: Lifetime Free (LTF) cards charge ₹0 joining and annual fees forever.

Top Options: Amazon Pay ICICI, Axis Neo, Flipkart Axis, and AU Altura offer great rewards without recurring costs.

Smart Choice: Pick a card that aligns with your daily habits (e.g., online shopping, utility bills, or dining) to maximize cashback.

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