Lifetime-free, rewards-rich, travel-perk cards from Bajaj, HDFC, Axis, Kotak.
A travel-heavy customer gets a different recommendation than a fuel-and-grocery profile. We don't pitch the same card to everyone.
We show you what each fee waiver actually requires (₹X spend / year) — not just the headline 'lifetime free' tagline.
We tell you which cards your CIBIL realistically qualifies for, so you don't waste an inquiry on a card that auto-declines.
Indicative figures. Actual offer depends on your profile. Praarabdh is a Data Fiduciary under the DPDP Act, 2023.
Each application is a hard inquiry that briefly dips the score 5-10 points. We pre-check eligibility (soft pull) before formally applying.
Pick a lifetime-free card OR ensure your annual spend crosses the fee-waiver threshold (₹2 L - ₹25 L depending on card).
Income + existing credit obligations + CIBIL. Salaried can typically expect 2-3× monthly income; self-employed varies more.
Usually no — older cards lengthen your credit history, which helps CIBIL. Closing a long-held card can drop the score 10-30 points.
One short form. We compare the panel for your profile. A real Praarabdh advisor calls within 48 hours.
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