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

Tenure

6–24 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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Partner Fintech

Olyv

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

Cibil

680+ Reqd

Income

20k+ Reqd

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Partner Fintech

Prefr

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

Cibil

650+ Reqd

Income

15k+ Reqd

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Business Loan Fintech

Protium

Upto 50 lakh • Disbursal in 1 day

Cibil

700+ Reqd

Occupation

Only Self Employed

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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

Bank

IDFC FIRST WOW Credit Card (FD-Based)

Credit Card

Annual Fee

₹0

Joining Fee

₹0

  • No annual fee, no joining fee — for the lifetime of the card
  • 4 reward points for every ₹200 spent on retail categories
  • Credit limit equal to 100% of your fixed deposit amount
View Full Details Apply Now
Bank

IndusInd Bank Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

  • Zero annual and joining fee for the life of the card
  • 10 complimentary domestic airport lounge visits annually
  • 2 complimentary movie tickets worth up to ₹500 on BookMyShow, annually
View Full Details Apply Now
Bank

RBL Bank Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

  • Lifetime free — no annual renewal charges, ever
  • 20 reward points for every ₹100 spent on grocery shopping
  • 10% discount (up to ₹100) on movie tickets via BookMyShow
View Full Details Apply Now
Bank

AU Small Finance Bank Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

  • Zero annual fee, zero joining fee for life
  • 15% off domestic and 10% off international flights on Cleartrip (once/month)
  • 5% instant discount at Croma on spends of ₹15,000+ (once/month)
View Full Details Apply Now
Card

Scapia Lifetime Free Card

Credit Card

Annual Fee

₹0

Joining Fee

₹0

  • No annual or joining fee — built for frequent travellers
  • Zero additional markup on international transactions
  • Unlimited domestic lounge, dining, shopping or spa access on ₹20,000+ monthly spend
View Full Details 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

Credit Card

Annual Fee

₹999+GST*

Joining Fee

₹999+GST

  • 5% cashback on every eligible online transaction, any website or app
  • 1% fuel surcharge waiver on transactions between ₹500–₹3,000
  • *Annual fee waived on ₹2,00,000+ spends in the preceding year
View Full Details Apply Now
Bank

Axis Flipkart Cashback Card

Credit Card

Annual Fee

₹500*

Joining Fee

₹500

  • 5% cashback on every Flipkart order
  • 7.5% cashback on every transaction on Myntra
  • *Annual fee waived on sufficient annual spend — check current partner terms
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.

Credit Card

Kharab CIBIL Ko 30 Din Mein Theek Karein! 🚀 Best FD Credit Card for CIBIL improvemet !!

CIBIL Score kharab ho gaya hai ya naya CIBIL build karna chahte hain?.

Instant Loan

Loan Approved in 2 Minutes? Ram Fincorp App Reality Check | Dhanvayu

This video brings you an honest, independent review of the Ram Fincorp loan app.

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 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.

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