No CIBIL score needed
We don't reject you for having no credit history. Approval is based on your KYC and a quick, secured eligibility check.
RuPay Credit Card on UPI
Your first credit card,
Your first credit card,
no CIBIL needed.
Never had a credit card? No problem. Get a lifetime-free RuPay credit card, link it to PhonePe, Paytm, Navi, Google Pay or any UPI app, and pay by scanning any QR code.
- ✓ No CIBIL score required
- ✓ First-time users welcome
- ✓ Approval in minutes
RASK
2,50,000+ Indians got their first credit card with us
Digi Credit
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6521 •••• •••• 4826
Card holderRAHUL SHARMA
Valid thru10/31
RuPay›
₹1,250 paidvia UPI · Credit card
Approved!Limit ₹25,000
+50 pointson grocery scan
0Happy cardholders
0Joining fee
0Interest-free period
0Average approval time
Why Digi Credit Cards
Built for India's first-time credit users
Students, freelancers, gig workers, small shop owners, first-jobbers — if you've never had credit before, this card is made for you.
Works on every UPI app
Link your RuPay credit card to PhonePe, Paytm, Navi, GPay & more. Scan any merchant QR and pay with credit.
Build your credit score
Every on-time repayment is reported to credit bureaus. Go from no score to a healthy 750+ over time.
Lifetime free
Zero joining fee and zero annual fee. Only a small one-time card issuance & verification fee.
Rewards on every scan
Earn up to 2% value back as reward points on UPI spends — groceries, fuel, recharges and more.
Bank-grade security
UPI PIN protected, instant card freeze, spend limits & real-time alerts — you're always in control.
No CIBIL? No worries.
How we approve you without a credit score
Traditional banks need years of credit history. We look at who you are today — not what you didn't have yesterday.
- Mobile OTP + Aadhaar & PAN KYC — verified digitally, no paperwork.
- Smart eligibility check — based on your income details and bank account activity (with your consent).
- Starter limit, then grow — begin with ₹5,000 – ₹50,000 and get automatic limit increases as you repay on time.
- Optional FD-backed option — want a higher limit right away? Back your card with a small fixed deposit.
—No credit score
Month 0No score
Month 6~680
Month 12+750+
Illustrative. Actual score depends on your repayment behaviour and bureau reporting.
Add RuPay Credit Card
PhonePePaytmNaviGPay
Choose your UPI app
Select your card
Digi CreditRuPay ···· 4826
Enter last 6 digits & expiry
Set UPI PIN
OTP verified ✓
✓
Card linked!
Scan any QR to pay with credit
Credit on UPI
Link to your favourite UPI app in 60 seconds
Digi Credit Cards is a RuPay credit card — the only credit card network approved by NPCI for UPI payments. Use it anywhere you see a UPI QR.
- 1Open your UPI appPhonePe, Paytm, Navi, GPay, BHIM, CRED & more
- 2Add RuPay Credit CardSelect your RuPay credit card from the list
- 3Verify & set UPI PINEnter card details, OTP and create your PIN
- 4Scan & payPay at kirana stores, petrol pumps, cafes — anywhere
PhonePe
Paytm
Navi
Google Pay
BHIM
CRED
Amazon Pay
MobiKwik
App names are trademarks of their respective owners and are shown only to indicate UPI compatibility.
How it works
From eligibility to first payment in 4 simple steps
01
Check eligibility
Log in with your mobile number and OTP. Upload Aadhaar & PAN (or just type the numbers) and a selfie.
02
Get approved
Our team checks your application and shows you the cards you're eligible for, with your credit limit.
03
Complete KYC
Pay the one-time fee by UPI or bank transfer, upload the screenshot and verify your Aadhaar-linked mobile.
04
Get the card & spend
Your card is issued. Add it to PhonePe, Paytm, Navi or any UPI app and start paying.
Our cards
A card for every pocket
All variants are RuPay, UPI-enabled and require no CIBIL score. Each card has its own limit, benefits and one-time fee. Check your eligibility to see which cards you can get.
Rewards calculator
See how much you earn back
Move the sliders to estimate yearly reward value on your UPI credit card spends.
Yearly spend₹1,20,000
Reward rate1%
Interest-free periodUp to 50 days
You earn back every year₹1,200
Check eligibility →
Eligibility & documents
Simple rules. Minimal paperwork.
👤 Who can apply
- Indian resident, age 18 – 65 years
- Salaried, self-employed, student (18+) or gig worker
- Minimum monthly income ₹10,000 (any source)
- Active bank account in your name
- An active Indian mobile number
- No CIBIL score or credit history needed
📄 Documents needed
- Aadhaar card
- PAN card
- A selfie (take it on your phone while applying)
- Salary slip — optional, gives a higher chance of approval
⚡ Instant checker
Fees & charges
Transparent pricing. No hidden charges.
Indicative charges for illustration. Final fees and interest rates will be as per the Key Fact Statement (KFS) of the issuing bank / NBFC.
Safety first
Your money & data are always protected
🛡️
256-bit encryption
All data is encrypted in transit and at rest.
🔐
UPI PIN on every payment
No transaction goes through without your PIN.
❄️
Freeze in one tap
Lost your phone? Freeze your card instantly from the app.
🪪
Aadhaar data masked
Only a masked Aadhaar number is ever stored.
Customer stories
Loved by first-timers across India
Sample testimonials for design preview — replace with verified customer reviews before launch.
FAQ
Questions? We've got answers.
Do I really not need a CIBIL score?
Yes. Digi Credit Cards is designed for people with no credit history ("new to credit"). We assess eligibility using your KYC details, income details and bank account information. If you have a low score due to past defaults, approval may be subject to an FD-backed variant.
Which UPI apps can I link this card to?
Any UPI app that supports RuPay credit cards — including PhonePe, Paytm, Navi, Google Pay, BHIM, CRED, Amazon Pay, MobiKwik and more.
Where can I use the credit card on UPI?
At any merchant that accepts UPI payments via QR code or UPI ID — kirana stores, petrol pumps, restaurants, online shopping, and more. Person-to-person (P2P) transfers and cash withdrawals are not allowed on credit cards as per NPCI rules.
What credit limit will I get?
First-time users typically get a starting limit between ₹5,000 and ₹50,000. Your limit increases automatically as you make on-time payments. The FD-backed Pro variant gives up to 90% of your FD amount as limit.
Is there any annual fee?
No. The card is lifetime free. There is only a small one-time issuance & KYC fee, which is fully refunded if your application is not approved. See our Refund Policy.
Is my Aadhaar data safe?
Yes. Your Aadhaar is used only for KYC verification, and only after your explicit consent. We store only masked Aadhaar numbers and all data is encrypted end-to-end.
How will this help my credit score?
Your card usage and repayments are reported to all major credit bureaus (CIBIL, Experian, Equifax, CRIF). Paying your bills on time and keeping usage under 30% of your limit helps build a strong score.
How do I pay my credit card bill?
Pay via UPI, net banking, debit card or auto-debit (NACH) from your bank account. You get up to 50 days interest-free if you pay the full amount by the due date.
Start your credit journey today.
No CIBIL. No paperwork. Just your phone and 2 minutes.