Compare the best credit cards for self-employed professionals in India. Find lifetime free cards, cards without income proof, and maximize your rewards.
Cash Flow Management
45-day interest-free period helps manage irregular income
Build Credit Score
Essential for future loans and business credit
Business Expenses
Track software, tools, and client expenses easily
Rewards & Cashback
Earn 1-5% back on every business expense
Showing 12 cards
IDFC FIRST Bank
User Rating
Annual Fee
₹0 (Free)
Reward Rate
4X rewards on all spends
Forex Markup
0% (Zero)
Lounge Access
2 per quarter
Federal Bank
User Rating
Annual Fee
₹0 (Free)
Reward Rate
10% value back on travel
Forex Markup
0% (Zero)
Lounge Access
Unlimited (after ₹50K spend)
ICICI Bank
User Rating
Annual Fee
₹0 (Free)
Reward Rate
5% on Amazon (Prime), 1% elsewhere
Forex Markup
3.5%
Lounge Access
None
IDFC FIRST Bank
User Rating
Annual Fee
₹0 (Free)
Reward Rate
10X on incremental spends
Forex Markup
0% (Zero)
Lounge Access
4 per quarter
OneCard (Federal Bank)
User Rating
Annual Fee
₹0 (Free)
Reward Rate
5X on top categories
Forex Markup
2%
Lounge Access
4 per year
AU Small Finance Bank
User Rating
Annual Fee
₹0 (Free)
Reward Rate
Up to 10X rewards
Forex Markup
2%
Lounge Access
4 per year
CSB Bank
User Rating
Annual Fee
₹0 (Free)
Reward Rate
10% on shopping, 5% on travel
Forex Markup
0% (Zero)
Lounge Access
2 per quarter
AU Small Finance Bank
User Rating
Annual Fee
₹0 (Free)
Reward Rate
Up to 10% on Ixigo bookings
Forex Markup
0% (Zero)
Lounge Access
4 per year
Bank of Baroda
User Rating
Annual Fee
₹0 (Free)
Reward Rate
15 points per ₹100 on travel/dining
Forex Markup
2%
Lounge Access
Unlimited domestic
Yes Bank
User Rating
Annual Fee
₹0 (Free)
Reward Rate
1-5% real cashback on UPI
Forex Markup
0% (Zero)
Lounge Access
None
HDFC Bank
User Rating
Annual Fee
₹1499
Reward Rate
5% NeuCoins on Tata brands
Forex Markup
2%
Lounge Access
8 per year
SBI Card
User Rating
Annual Fee
₹999
Reward Rate
5% cashback on online spends
Forex Markup
3.5%
Lounge Access
None
Yes! FD-backed credit cards like IDFC FIRST WOW don't require income proof. You deposit a fixed amount and get a credit limit against it. Great for building credit history.
Typically: PAN card, Aadhaar, bank statements (6 months), ITR (if available). For FD-backed cards, only PAN and Aadhaar are needed.
Cards with zero forex markup like Scapia, IDFC FIRST, and Jupiter EDGE+ are best. You save 2-3.5% on every international transaction.
File ITR regularly, maintain good bank balance, start with FD-backed cards, and apply through pre-approved offers from your existing bank.
Disclaimer: Credit card features, fees, and rewards are subject to change. Please verify details on the official bank website before applying. GigBooks may earn a commission if you apply through our links at no extra cost to you. This helps us keep our tools free.
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