{"id":4518,"date":"2025-06-08T11:11:26","date_gmt":"2025-06-08T05:41:26","guid":{"rendered":"https:\/\/staging-d94d-satales.wpcomstaging.com\/?p=4518"},"modified":"2025-06-08T11:11:26","modified_gmt":"2025-06-08T05:41:26","slug":"credit-cards-for-bad-credit","status":"publish","type":"post","link":"https:\/\/storydunia.com\/stage\/trending\/credit-cards-for-bad-credit\/","title":{"rendered":"How to Get a Credit Cards for Bad Credit in 2025 Guide!"},"content":{"rendered":"<?xml encoding=\"utf-8\" ?><figure class=\"wp-block-image aligncenter size-full is-resized\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2025\/06\/create-a-featured-blog-image-depicting-a-diverse-group-of.png?ssl=1\" alt=\"Credit Cards for Bad Credit\" class=\"wp-image-4524\" style=\"width:612px;height:auto\"><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Credit Cards for Bad Credit: We all face expenses that stretch beyond our monthly salary. These may include buying that dream bike, managing wedding costs, or enrolling in an upskilling course. In moments like these, a credit card can be a great financial tool. But here&rsquo;s the catch&mdash;most banks will look at your credit score before offering you one.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><nav><ul><li class=\"\"><a href=\"\/stage\/#what-is-a-credit-score\">What is a Credit Score?<\/a><\/li><li class=\"\"><a href=\"\/stage\/#why-is-a-credit-score-so-important\">Why is a Credit Score So Important?<\/a><\/li><li class=\"\"><a href=\"\/stage\/#what-is-considered-bad-credit\">What is Considered Bad Credit?<\/a><\/li><li class=\"\"><a href=\"\/stage\/#common-reasons-behind-a-low-credit-score\">Common Reasons Behind a Low Credit Score<\/a><\/li><li class=\"\"><a href=\"\/stage\/#how-to-get-a-credit-card-even-with-bad-credit\">How to Get a Credit Cards for Bad Credit?<\/a><ul><li class=\"\"><a href=\"\/stage\/#1-apply-through-your-existing-bank\">1. Apply Through Your Existing Bank<\/a><\/li><li class=\"\"><a href=\"\/stage\/#2-get-a-secured-credit-card\">2. Get a Secured Credit Card<\/a><\/li><li class=\"\"><a href=\"\/stage\/#3-consider-a-high-fee-unsecured-credit-card\">3. Consider a High-Fee Unsecured Credit Card<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"\/stage\/#best-credit-card-options-for-bad-credit-in-2025\">Best Credit Cards for Bad Credit in 2025<\/a><ul><li class=\"\"><a href=\"\/stage\/#%F0%9F%9F%A2-sbi-advantage-plus-credit-card-secured\">SBI Advantage Plus Credit Card (Secured)<\/a><\/li><li class=\"\"><a href=\"\/stage\/#%F0%9F%9F%A2-axis-bank-insta-easy-credit-card-secured\">Axis Bank Insta Easy Credit Card (Secured)<\/a><\/li><li class=\"\"><a href=\"\/stage\/#%F0%9F%9F%A2-hdfc-money-back-credit-card-unsecured\">HDFC MoneyBack Credit Card (Unsecured)<\/a><\/li><li class=\"\"><a href=\"\/stage\/#%F0%9F%9F%A2-idfc-first-wo-w-credit-card-secured\">IDFC FIRST WoW Credit Card (Secured)<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"\/stage\/#downsides-of-credit-cards-for-bad-credit\">Downsides of Credit Cards for Bad Credit<\/a><\/li><li class=\"\"><a href=\"\/stage\/#final-thoughts\">Final Thoughts<\/a><\/li><li class=\"\"><a href=\"\/stage\/#credit-cards-with-bad-credit-fa-qs\">Credit Cards for Bad Credit FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A low credit score might stop you from getting approved, but don&rsquo;t worry. There are still ways to get a credit card in India in 2025, even with a poor credit history. Let&rsquo;s understand how.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-credit-score\"><strong>What is a Credit Score?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A credit score is a 3-digit number. It ranges from 300 to 900. It shows how trustworthy you are in repaying money. The closer your score is to 900, the better. A good credit score means you&rsquo;ve paid loans and credit card bills on time. A low score means you may have delayed or missed payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banks use this score to decide whether to approve your credit card or loan applications.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-is-a-credit-score-so-important\"><strong>Why is a Credit Score So Important?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whenever you apply for a loan or credit card, banks want to know if you can repay it. Your credit score helps them decide that. If your score is low, you might face rejections or get less attractive offers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To apply for a credit card, you generally need to provide:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Salary slips<\/li>\n\n\n\n<li>Income tax returns or Form 16<\/li>\n\n\n\n<li>Bank statements<\/li>\n\n\n\n<li>Details of existing credit cards (if any)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Based on these documents and your credit score, banks decide whether or not to issue you a card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-considered-bad-credit\"><strong>What is Considered Bad Credit?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If your credit score is below 600, it is considered &ldquo;bad credit.&rdquo; This usually happens when someone has missed EMIs, paid bills late, or defaulted on loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most lenders prefer applicants with scores above 750. If your score is lower, it becomes difficult to get a loan or a regular credit card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"common-reasons-behind-a-low-credit-score\"><strong>Common Reasons Behind a Low Credit Score<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your credit score can drop for various reasons. Here are a few common ones:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Paying EMIs or credit card bills late<\/li>\n\n\n\n<li>Missing payments altogether<\/li>\n\n\n\n<li>Foreclosing a loan (closing it before tenure)<\/li>\n\n\n\n<li>Settling loans for a lower amount than owed<\/li>\n\n\n\n<li>Applying for too many loans or cards in a short time (hard enquiries)<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Such issues put you in the &ldquo;high-risk&rdquo; category for lenders.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-get-a-credit-card-even-with-bad-credit\"><strong>How to Get a Credit Cards for Bad Credit?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The good news is, bad credit doesn&rsquo;t mean no credit card. Here are your best options in India if you have a low credit score:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-apply-through-your-existing-bank\">1. Apply Through Your Existing Bank<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you already have a savings or salary account with a bank, you can apply for a credit card there. Your bank knows your transaction history and may be more flexible, even if your score is low.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-get-a-secured-credit-card\">2. Get a Secured Credit Card<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is the most popular option for those with bad credit. A secured credit card is issued against a fixed deposit (FD). The bank uses your FD as security. You can usually get a credit limit equal to 80&ndash;90% of the FD value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-consider-a-high-fee-unsecured-credit-card\">3. Consider a High-Fee Unsecured Credit Card<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some banks offer unsecured cards to low-score applicants, but at higher fees. If you&rsquo;re okay with higher annual charges, this can be a good way to build or rebuild your credit history.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-credit-card-options-for-bad-credit-in-2025\"><strong>Best Credit Cards for Bad Credit in 2025<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let&rsquo;s look at some of the top choices available in 2025 for people with bad credit:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"&#128994;-sbi-advantage-plus-credit-card-secured\">&#128994; SBI Advantage Plus Credit Card (Secured)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Offered against an FD, this globally accepted card is ideal for rebuilding credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Withdraw cash from ATMs worldwide<\/li>\n\n\n\n<li>Add-on cards for family members<\/li>\n\n\n\n<li>Convert big spends to EMIs<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fees:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Annual fee: &#8377;500<\/li>\n\n\n\n<li>Interest rate: 2.25% per month (27% annually)<\/li>\n\n\n\n<li>Late fees: Up to &#8377;750<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"&#128994;-axis-bank-insta-easy-credit-card-secured\">&#128994; Axis Bank Insta Easy Credit Card (Secured)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Great for salaried professionals or anyone with an FD.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to 80% of FD as your credit limit<\/li>\n\n\n\n<li>1% fuel surcharge waiver<\/li>\n\n\n\n<li>Full credit limit can be withdrawn as cash<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fees:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining &amp; Annual fee: &#8377;0<\/li>\n\n\n\n<li>Interest: 2.5% per month<\/li>\n\n\n\n<li>Late fees: Up to &#8377;700<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"&#128994;-hdfc-money-back-credit-card-unsecured\">&#128994; HDFC MoneyBack Credit Card (Unsecured)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your salary is decent but credit score is low, this is a great starter card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2 reward points per &#8377;150 spent<\/li>\n\n\n\n<li>EMI conversion available<\/li>\n\n\n\n<li>Zero liability after card is reported lost<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fees:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining fee: &#8377;500<\/li>\n\n\n\n<li>Annual fee: &#8377;500<\/li>\n\n\n\n<li>Late payment fees: Up to &#8377;750<\/li>\n\n\n\n<li>Minimum due: 5% of total amount<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"&#128994;-idfc-first-wo-w-credit-card-secured\">&#128994; IDFC FIRST WoW Credit Card (Secured)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ideal for first-time credit users or those with no credit history.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Features:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Guaranteed approval<\/li>\n\n\n\n<li>No income proof needed<\/li>\n\n\n\n<li>Reward points never expire<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fees:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining &amp; Annual fee: Nil<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"downsides-of-credit-cards-for-bad-credit\">Downsides of Credit Cards for Bad Credit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While it&rsquo;s possible to get a card with bad credit, be aware of the following limitations:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Higher interest rates<\/strong><\/li>\n\n\n\n<li><strong>Lower credit limits<\/strong><\/li>\n\n\n\n<li><strong>Higher late fees<\/strong><\/li>\n\n\n\n<li><strong>Fewer perks &amp; rewards<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">It&rsquo;s important to start using your new card responsibly. This will improve your score. It will also help you qualify for better cards in the future.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/storydunia.com\/stage\/kids-stories\/cinderella-story\/\" target=\"_blank\" rel=\"noreferrer noopener\">Read Now Cinderella Story<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"final-thoughts\"><strong>Final Thoughts<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Having a low credit score doesn&rsquo;t mean you can&rsquo;t get a credit card. With options like secured cards and credit cards from your primary bank, you can start your journey toward better credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Just remember: Use your credit card wisely, pay your dues on time, and don&rsquo;t max out your limit. This way, your credit score will improve, and you&rsquo;ll open the door to more financial freedom in the future.<\/p>\n\n\n\n<pre class=\"wp-block-preformatted\">Follow Us On<br><strong><a href=\"https:\/\/www.instagram.com\/storydunia267\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Instagram<\/a><br><a href=\"https:\/\/x.com\/storydunia267\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Twitter<\/a><\/strong><br>for more<\/pre>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"credit-cards-with-bad-credit-fa-qs\"><strong>Credit Cards for Bad Credit FAQs<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q1: What is bad credit?<\/strong><br>Ans. Bad credit means a credit score below 650, usually due to missed payments or poor financial decisions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q2: Can I get a credit card with a 550 score?<\/strong><br>Ans. Yes, especially secured credit cards or cards from your own bank. You may need to pay a higher fee, though.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q3: What are the best credit cards for bad credit in India?<\/strong><br>Ans. Some of the top cards include SBI Advantage Plus, Axis Insta Easy, HDFC MoneyBack, and IDFC FIRST WoW Credit Card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q4: Do I need income proof for a secured card?<\/strong><br>Ans. Not always. Many secured cards only require a fixed deposit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q5: Which banks offer secured credit cards?<\/strong><br>Ans. Most major banks like HDFC, SBI, Axis, ICICI, Kotak Mahindra, and Bank of Baroda offer secured credit cards.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Struggling with a low credit score? Discover the best ways to get a credit cards for bad credit in 2025. Learn about secured cards, top options, and how to rebuild your credit score easily.<\/p>\n","protected":false},"author":4,"featured_media":4524,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_seo_schema_type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"fullscreen","default_image_id":0,"enabled":true,"token":"eyJpbWciOiJodHRwczpcL1wvc3RvcnlkdW5pYS5jb21cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjVcLzA2XC9jcmVhdGUtYS1mZWF0dXJlZC1ibG9nLWltYWdlLWRlcGljdGluZy1hLWRpdmVyc2UtZ3JvdXAtb2YucG5nIiwidHh0IjoiSG93IHRvIEdldCBhIENyZWRpdCBDYXJkcyBmb3IgQmFkIENyZWRpdCBpbiAyMDI1IEd1aWRlISIsInRlbXBsYXRlIjoiZnVsbHNjcmVlbiIsImJsb2dfaWQiOjI0MTYwNjIwOH0.0pH19m6rx3ERsXGOL13elnyTT6at7IdyIE_LY91nS9kMQ"},"version":2},"jetpack_post_was_ever_published":false},"categories":[7],"tags":[],"class_list":["post-4518","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trending"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack-related-posts":[{"id":5794,"url":"https:\/\/storydunia.com\/stage\/trending\/improve-your-credit-score\/","url_meta":{"origin":4518,"position":0},"title":"Improve Your Credit Score: Practical Tips You Can Start Today","author":"Storydunia","date":"June 14, 2025","format":false,"excerpt":"Discover 7 easy and effective ways to improve your credit score fast. Learn how timely payments, lowering balances, and smart credit habits can boost your financial health. Start building better credit today with these proven tips!","rel":"","context":"In &quot;Trending&quot;","block_context":{"text":"Trending","link":"https:\/\/storydunia.com\/stage\/category\/trending\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":4539,"url":"https:\/\/storydunia.com\/stage\/trending\/cashback-credit-cards\/","url_meta":{"origin":4518,"position":1},"title":"Best Cashback Credit Cards in USA 2025","author":"Storydunia","date":"June 8, 2025","format":false,"excerpt":"Looking for the best cashback credit cards in the USA for 2025? Compare top cards offering high rewards on groceries, travel, dining & more. Discover no annual fee options, flat-rate cashback, and welcome bonuses in this detailed guide.","rel":"","context":"In &quot;Trending&quot;","block_context":{"text":"Trending","link":"https:\/\/storydunia.com\/stage\/category\/trending\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8060,"url":"https:\/\/storydunia.com\/stage\/finance\/how-to-avoid-credit-card-debt\/","url_meta":{"origin":4518,"position":2},"title":"Swipe Smart, Live Rich: Your Ultimate Guide on How to Avoid Credit Card Debt","author":"Storydunia","date":"June 23, 2025","format":false,"excerpt":"Learn how to avoid credit card debt with our comprehensive guide. Discover practical tips on budgeting, smart spending, and managing credit cards responsibly for financial freedom.","rel":"","context":"In &quot;Finance&quot;","block_context":{"text":"Finance","link":"https:\/\/storydunia.com\/stage\/category\/finance\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":36738,"url":"https:\/\/storydunia.com\/stage\/finance\/cashback-credit-card-axis-bank\/","url_meta":{"origin":4518,"position":3},"title":"Axis Bank Cashback Credit Cards: Complete Guide to Features, Rewards &#038; Selection","author":"Storydunia","date":"July 22, 2026","format":false,"excerpt":"Axis Bank stands as one of India's leading financial institutions, providing a widely competitive suite of cashback credit cards designed to optimize daily expenditure. Unlike traditional reward point credit cards that require complex catalogue redemptions, cashback credit cards convert spending directly into statement credit. Whether you frequently shop on Flipkart,\u2026","rel":"","context":"In &quot;Finance&quot;","block_context":{"text":"Finance","link":"https:\/\/storydunia.com\/stage\/category\/finance\/"},"img":{"alt_text":"Cashback Credit Card Axis Bank","src":"https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-credit-card-axis-bank.png?fit=1200%2C655&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-credit-card-axis-bank.png?fit=1200%2C655&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-credit-card-axis-bank.png?fit=1200%2C655&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-credit-card-axis-bank.png?fit=1200%2C655&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-credit-card-axis-bank.png?fit=1200%2C655&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":36735,"url":"https:\/\/storydunia.com\/stage\/finance\/cashback-credit-cards-hdfc\/","url_meta":{"origin":4518,"position":4},"title":"HDFC Cashback Credit Cards 2026: Features, Comparison, Fees &amp; Selection Guide","author":"Storydunia","date":"July 22, 2026","format":false,"excerpt":"HDFC Bank remains one of India's premier credit card issuers, with over 2.6 crore active cards in circulation. While premium travel and rewards cards have their place, cashback credit cards continue to dominate everyday spending for most cardholders. Whether you are buying monthly groceries on Amazon, ordering dinner via Swiggy,\u2026","rel":"","context":"In &quot;Finance&quot;","block_context":{"text":"Finance","link":"https:\/\/storydunia.com\/stage\/category\/finance\/"},"img":{"alt_text":"Cashback Credit Card Hdfc","src":"https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-credit-card-hdfc.png?fit=1200%2C655&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-credit-card-hdfc.png?fit=1200%2C655&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-credit-card-hdfc.png?fit=1200%2C655&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-credit-card-hdfc.png?fit=1200%2C655&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-credit-card-hdfc.png?fit=1200%2C655&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":36732,"url":"https:\/\/storydunia.com\/stage\/finance\/cashback-sbi-card-vs-amazon-pay-icici\/","url_meta":{"origin":4518,"position":5},"title":"CASHBACK SBI Card vs Amazon Pay ICICI: Which Is Better in 2026?","author":"Storydunia","date":"July 22, 2026","format":false,"excerpt":"In India's credit card landscape, cashback cards have consistently held the top spot for value-conscious shoppers. Rather than navigating complex reward point conversion matrices, air-mile transfer ratios, or limited catalog redemptions, cashback credit cards deliver clear financial value: direct savings on your monthly bill. Among the dozens of cashback offerings\u2026","rel":"","context":"In &quot;Finance&quot;","block_context":{"text":"Finance","link":"https:\/\/storydunia.com\/stage\/category\/finance\/"},"img":{"alt_text":"CASHBACK SBI Card vs Amazon Pay ICICI: Which Is Better in 2026?","src":"https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-sbi-card-vs-amazon-pay-icici-credit-card.png?fit=1200%2C630&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-sbi-card-vs-amazon-pay-icici-credit-card.png?fit=1200%2C630&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-sbi-card-vs-amazon-pay-icici-credit-card.png?fit=1200%2C630&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-sbi-card-vs-amazon-pay-icici-credit-card.png?fit=1200%2C630&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/storydunia.com\/stage\/wp-content\/uploads\/2026\/07\/cashback-sbi-card-vs-amazon-pay-icici-credit-card.png?fit=1200%2C630&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/storydunia.com\/stage\/wp-json\/wp\/v2\/posts\/4518","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/storydunia.com\/stage\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/storydunia.com\/stage\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/storydunia.com\/stage\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/storydunia.com\/stage\/wp-json\/wp\/v2\/comments?post=4518"}],"version-history":[{"count":0,"href":"https:\/\/storydunia.com\/stage\/wp-json\/wp\/v2\/posts\/4518\/revisions"}],"wp:attachment":[{"href":"https:\/\/storydunia.com\/stage\/wp-json\/wp\/v2\/media?parent=4518"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/storydunia.com\/stage\/wp-json\/wp\/v2\/categories?post=4518"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/storydunia.com\/stage\/wp-json\/wp\/v2\/tags?post=4518"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}