Best Fintech Credit Cards in India 2025

Credit cards have become an essential part of our daily lives, offering ease of transactions, reward points, and access to short-term credit. But with the rise of Fintech companies in India, a new kind of credit card is emerging — one that’s smarter, faster to get, and easier to manage. These are Fintech credit cards and BNPL (Buy Now Pay Later) cards.

If you’re someone who’s just starting your credit journey or finds traditional credit cards confusing or hard to get, this article is for you. We’ll help you discover the best Fintech credit cards in India, compare their features, and understand how they can make your financial life better. Whether you’re a student, a new professional, or just looking for a smarter way to manage expenses, this guide has you covered.

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What is a Fintech Credit Card?

A Fintech credit card is a credit product offered by modern financial technology (Fintech) companies, often in partnership with banks or NBFCs (Non-Banking Financial Companies). These cards work similarly to traditional credit cards but with simplified application processes, better app interfaces, quicker approvals, and sometimes, more flexible repayment options.

Many of these cards are actually BNPL cards, which allow you to split your purchases into monthly installments, often interest-free.

List of the Best Fintech Credit Cards in India (2025)

Below is a handpicked list of the top Fintech credit and BNPL cards in India that are available in 2025. We’ve compared them based on key features, reward types, joining fees, and user experience.

1. OneCard Metal Credit Card

Issued By: FPL Technologies (with multiple bank partners)
Type: Traditional Fintech Credit Card
Key Features:

Lifetime free with no joining/annual fees.
Get 1 Reward Point per ₹50 spent; 5x points on top 2 spend categories.
Accepted globally with 1% foreign currency markup fee.
Split spends into EMIs directly via the app.
Modern metal design.

2. Scapia Federal Credit Card

Issued By: Federal Bank
Type: Travel-focused Fintech Card
Key Features:

Zero forex fees for international payments.
10% coins on all purchases and 20% coins on travel bookings via Scapia app.
Free airport lounge access within India.
Lifetime free, no annual/joining fees.

3. Magnet FD Backed Credit Card

Issued By: SBM Bank via ZET App
Type: Secured Credit Card
Key Features:

Linked to a Fixed Deposit; no income proof needed.
Interest on FD: Up to 7% per annum.
Welcome gift: 5,000 ZET Coins (worth ₹500).
Good for building or improving credit score.

4. Gild Credit Card

Issued By: SMB Bank
Type: Secured Credit Card with Digital Gold Rewards
Key Features:

Earn 0.75% back in digital gold.
FD-backed with minimum ₹10,000 deposit.
No joining/annual fees.
Up to 16% returns annually with FD interest + gold cashback.

5. Slice Super Card

Issued By: Slice (in partnership with SBM Bank)
Type: BNPL Card
Key Features:

Split your monthly bills into 3 interest-free EMIs.
Up to 2% cashback in the form of “monies”.
Easy approval – no credit history required.
Visa-powered and accepted widely.

6. Uni Pay 1/3rd Card

Issued By: UNI (via SBM Bank)
Type: BNPL Card
Key Features:

Split your bill into three interest-free installments.
1% cashback if full bill is paid in one go.
No joining or annual fees.
Visa network acceptance across India.

7. Bajaj Finserv RBL Bank Binge SuperCard

Issued By: RBL Bank in partnership with Bajaj Finserv
Type: Hybrid Fintech Credit Card
Key Features:

12X Reward Points on online spends (some exclusions).
BOGO movie tickets once a month.
Lounge access benefit included.
Joining fee: ₹999 + GST

8. YES Bank POP CLUB Credit Card

Issued By: YES Bank
Type: Reward-based Fintech Credit Card
Key Features:

Welcome benefits worth ₹5,000.
No joining/renewal fee till June 30, 2025.
Great for shopping and lifestyle.

Benefits of Fintech Credit Cards

Before choosing your card, it’s important to understand what makes Fintech cards different and useful.

Simple and Quick Application

You don’t need to fill out long forms or visit a bank branch. Apply in minutes using an app.

Better Rewards

Most Fintech cards offer cashback, digital gold, or reward coins that are easy to redeem.

Easy to Manage

These cards come with smart apps that allow you to check your spend, split EMIs, and manage limits in real time.

Suitable for Beginners

No or low eligibility requirements mean even students or first-time users can get started.

Difference Between Fintech Credit Cards and BNPL Cards

Though often grouped together, Fintech Credit Cards and BNPL Cards do have some differences.

Feature	Fintech Credit Cards	BNPL Cards
Product Type	Credit card issued by bank/NBFC	Personal loan disguised as card
Repayment	Entire bill or EMI options	Split into 2–3 interest-free EMIs
Eligibility	May check CIBIL score	Minimal checks
Rewards	Higher rewards and offers	Lower cashback usually
ATM Withdrawals	Available	Not allowed
International Use	Yes	Usually No

How to Choose the Right Fintech Card?

Choosing the right card depends on your spending habits and financial goals.

Things to Consider:

Reward Program: Go for cards that match your spending. Travel lovers can go with Scapia; shoppers may prefer OneCard.
Fees: Most Fintech cards are free, but check for hidden charges.
EMI Flexibility: If you prefer EMI-based repayments, a BNPL card like Slice or UNI is a good option.
Secured Options: If you’re building a credit score, choose FD-backed cards like Gild or Magnet.

Why Are Fintech Cards Gaining Popularity?

Fintech credit cards are becoming more popular than ever, especially among the younger generation. Here’s why:

Quick onboarding without paperwork or waiting.
High rewards on digital payments.
Great for building credit for first-time users.
Flexible repayment options via BNPL model.

FAQs

1. Are Fintech Credit Cards safe to use?

Yes, they are issued in partnership with banks or NBFCs and regulated by RBI indirectly.

2. Can I use these cards internationally?

Some cards like Scapia and OneCard allow international transactions. BNPL cards usually don’t.

3. Do I need a high credit score for these cards?

No. Many Fintech cards, especially BNPL and FD-backed ones, don’t require a credit history.

4. Can I build my credit score with Fintech cards?

Yes, if the issuer reports your payments to credit bureaus.

5. Which is the best Fintech card in India right now?

For travel: Scapia, for general use: OneCard, for beginners: Slice or Magnet.

6. Do Fintech cards charge interest?

Only if you delay payments. BNPL cards often come with 0% interest EMIs.

Conclusion

Fintech credit cards have changed how Indians access credit. Whether you’re just starting your credit journey, want better rewards, or need more control over your payments, there’s a Fintech card tailored to your needs.

From OneCard’s reward system to Scapia’s travel benefits, and Slice’s EMI features, each card brings something unique. Choose the card that suits your lifestyle and financial habits, and make smarter decisions about how you spend and repay.

If you are eligible for a traditional credit card, you might get better rewards and global access. But if you’re looking for ease, flexibility, and speed, Fintech cards are the way forward in 2025.