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.

Explore Instant Loans Compare Credit Cards
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

Tenure

6–24 months

Apply Now
Partner NBFC

Poonawala

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

Interest

11.5%/annum onward

Tenure

12–84 months

Apply Now
Partner Fintech

Fibe

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

Interest

1.6%/mo onward

Tenure

6–36 months

Apply Now
Partner Fintech

Zap Cash

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

Cibil

No Min Cibil Reqd

Process

100% Digital

Apply Now
Partner Fintech

Ram Fincorp

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

Cibil

600+ Reqd

Tenure

upto 45 days

Apply Now
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

Bank

IDFC- WOW Credit card- FD Based

-No Annual Fee, No Joining Fee

-Reward Points: 4 points per ₹200 spent on retail categories

-Credit limit equals 100% of the FD amount

Apply Now
Bank

IndusInd Bank - Lifetime Free Card

-10 Complimentary airport lounge visits annually

-Avail 2 Complimentary movie ticket worth up to Rs 500 on BookMyShow annually

Apply Now
Bank

RBL Bank - Lifetime Free Card

-Earn 20 reward points for every Rs 100 spent on Grocery shopping

-Get 10% discount (Upto Rs 100) on movie tickets on BookMyShow

Apply Now
Bank

AU Small Finance Bank - Lifetime Free Card

-15% Off on Domestic Flight & 10% Off on International Flight on Cleartrip - Offer valid once per month

-5% Instant Discount on shopping at Croma (min. spend Rs 15,000) - Offer valid once per month

Apply Now
Card

Scapia - Lifetime Free Card

-Enjoy International Transactions without any additional foreign currency markup fees

-Unlock unlimited domestic lounge, complimentary dining, shopping or spa by spending Rs 20,000 on the card every month

Apply Now

Cashback Card

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

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

Card

SBI Cashback Card

-Earn 5% cashback on every eligible online transaction, across all websites and apps.

-Fuel surcharge waiver: 1% waiver on transactions between Rs 500– Rs 3,000

Apply Now
Bank

Axis Flipkart Cashback Card

-5% Cashback with on every Flipkart order

-7.5% Cashback with every transaction on Myntra

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
Financial Guide

Learn before you borrow

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

Instant LoanNew

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 LoanNew

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
ComparisonNew

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
Credit CardNew

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.

Check your Eligibility
View All Articles
Takes 60 Seconds

Apply Now

Fill out the details below and our financial experts team will contact you shortly.