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Cards like ICICI Amazon Pay (5% back for Prime members) and SBI SimplySAVE (10X reward points on dining, groceries & movies) are among the top cashback cards. The best card depends on your spending pattern — compare all options on PaisePe.

Yes. Several cards like Kotak 811 #DreamDifferent and ICICI Amazon Pay offer lifetime-free cards with zero joining and annual fees, while still offering rewards and cashback.

Most banks require a CIBIL score of 700+ for premium cards. Entry-level and secured cards may approve applicants with a score of 650+. Check your free CIBIL score on PaisePe before applying.

Yes, a formal credit card application triggers a hard inquiry which can temporarily reduce your score by 5–10 points. Avoid applying to multiple banks simultaneously — use PaisePe to compare offers first and apply to only your best match.

Pre-approved customers can get instant approval. For new applicants, approval typically takes 3–7 working days after document verification, depending on the issuing bank.