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AI matching • India

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Describe what you need — fuel cashback, zero-balance salary account, instant business loan — and surf India's top banks in one place.

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Credit Cards
6+ cards

Cards that pay you back

Fuel, cashback, rewards, lifetime-free and secured cards from HDFC, IDFC FIRST, Axis & more.

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Savings
₹0 min

Zero balance, 100% digital

Open in minutes via video KYC. Up to 7.25% interest.

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Loans
₹40L

Instant credit when you need it

Personal, business and revolving credit lines.

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Choose wisely. Borrow responsibly.
SurfBP is not a bank or RBI-regulated lender — read the disclaimer before applying.
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Top credit cards

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HDFC Bank

HDFC Smart EMI

Convert big spends into easy EMIs with a high limit.

  • ₹0 – ₹500
    Joining fee
  • Up to ₹10 L
    Credit limit
  • From 12% p.a.
    Interest
  • Approval rate: Good
  • Limit up to ₹10 Lakh
  • Interest from 12%
emihigh limitpremiumhdfc
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IDFC FIRST Bank

IDFC WOW! Black Credit Card

Premium rewards backed by a fixed deposit. Lifetime free.

  • ₹0
    Joining fee
  • FD ≥ ₹5,000
    Eligibility
  • Up to 4x points
    Rewards
  • Lifetime free
  • FD-backed, no income proof
  • 4x rewards on spends
lifetime freesecuredfd backedrewards
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IDFC FIRST Bank

IDFC Hello Cashback Card

Flat cashback on every purchase — daily essentials covered.

  • ₹0
    Joining fee
  • Up to 5%
    Cashback
  • Quick digital
    Approval
  • Up to 5% cashback
  • No joining fee
  • Instant digital card
cashbacklifetime freegroceriesdaily
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Zero balance savings

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Kotak Mahindra Bank

Kotak 811 Zero Balance

Open a fully digital savings account in minutes — no minimum balance.

  • ₹0
    Min balance
  • Up to 3.5%
    Interest
  • Video KYC
    Opening
  • Zero balance
  • 100% paperless KYC
  • Free virtual debit card
zero balanceno minimumdigitalvideo kyc
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IndusInd Bank

IndusInd Online Savings

Up to 6% interest with a premium zero-balance account.

  • ₹0 (select)
    Min balance
  • Up to 6% p.a.
    Interest
  • Insta video KYC
    Opening
  • Up to 6% interest
  • Zero balance variant
  • Free debit card
high interestzero balancepremiumdigital
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AU Small Finance Bank

AU Digital Savings Account

High-interest digital savings with cashback debit card.

  • ₹0
    Min balance
  • Up to 7.25%
    Interest
  • Video KYC
    Opening
  • Up to 7.25% interest
  • Zero balance option
  • Lifetime free debit card
high interestzero balancedigitalcashback
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Instant loans & credit lines

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Bajaj Finserv

Bajaj Personal Loan

Up to ₹40 Lakh personal loan with instant disbursal.

  • Up to ₹40 L
    Limit
  • From 11% p.a.
    Interest
  • Excellent
    Approval
  • Approval in minutes
  • Up to ₹40 Lakh
  • Tenure up to 96 months
personal loaninstanthigh limitsalaried
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Tata Capital

Tata Capital Personal Loan

Flexible personal loan with quick documentation.

  • Up to ₹35 L
    Limit
  • From 10.99%
    Interest
  • Good
    Approval
  • Up to ₹35 Lakh
  • From 10.99% p.a.
  • Tenure up to 72 months
personal loanlow interestsalariedself employed
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Lendingkart

Lendingkart Business Loan

Collateral-free business loan for MSMEs.

  • Up to ₹2 Cr
    Limit
  • From 12% p.a.
    Interest
  • Up to 36 mo
    Tenure
  • Up to ₹2 Crore
  • No collateral
  • Disbursal in 72 hrs
business loanmsmeworking capitalno collateral
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