Credit Cards
The right credit card for your spending style and lifestyle.
Rewards, cashback, travel miles, or fuel benefits — we help you choose and apply for the credit card that gives you the most value for your spending.
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Joining Fee
Up to 5%
Reward Rate
Up to ₹10 L
Credit Limit
3–5 Days
Approval
Types of Credit Cards We Offer
Rewards Cards
Earn reward points on every spend and redeem them for vouchers, merchandise, or statement credit.
Cashback Cards
Get direct cashback on categories like groceries, dining, fuel, and online shopping.
Travel Cards
Earn air miles, access airport lounges, and enjoy travel insurance with premium travel credit cards.
Fuel Cards
Save on fuel surcharge and earn accelerated rewards at petrol stations across India.
Lifetime Free Cards
Zero annual fee credit cards with good reward rates — ideal for first-time credit card users.
Zero Borrower Fees
Our service is completely free for applicants. We are compensated by the card issuer, not by you.
Eligibility Criteria
- Indian resident, aged 21–60 years
- Salaried: minimum monthly income ₹20,000
- Self-employed: minimum annual income ₹3 lakhs
- CIBIL score of 700 or above preferred
- Stable employment or business income
- No history of credit card defaults or settlements
Documents Required
- PAN Card and Aadhaar Card
- Last 3 months salary slips or ITR
- Last 3 months bank statements
- Form 16 (for salaried applicants)
- Passport-size photographs
- Address proof (if different from Aadhaar)
Frequently Asked Questions
Which credit card is best for me?
The best card depends on your spending pattern. We analyse your spending habits and recommend the card that gives you maximum value — whether that's cashback, rewards, or travel benefits.
What is the credit limit I can expect?
Credit limits are determined by the card issuer based on your income, credit score, and existing obligations. Limits typically range from ₹50,000 to ₹10 lakhs.
Can I apply for multiple credit cards?
Yes, but we recommend applying for one at a time to avoid multiple hard enquiries on your credit report, which can temporarily lower your score.
Does Kozynex charge any fee?
No. Our services are completely free for applicants. We are compensated by the card issuer as a registered DSA/LSP.
Find Your Perfect Credit Card
Get personalised credit card recommendations — free consultation, zero fees.