Easy Approval Credit Cards – Simple, Fast & Paperwork-Free
Unlock Access to India’s Most Hassle-Free Credit Cards
Looking for a credit card that’s easy to get — without the paperwork headache? Whether you’re new to credit, self-employed, or want a no-fuss experience — CardMela.com brings you a carefully curated list of Easy Approval Credit Cards that require minimal documentation, offer fast processing, and still deliver powerful rewards and savings.
These cards are selected not just for lenient approval — but for their everyday usability, affordability, and strong user satisfaction across multiple categories.
Enjoy benefits like digital KYC, quick issuance, and flexible eligibility — all packed into these high-approval cards that are perfect for today’s fast-paced lifestyle.
Explore top picks like the AU Bank LIT Credit Card, ICICI Amazon Pay, ICICI Student Forex Prepaid Card, and AU Bank Altura — each suited for users who want instant access, minimal hassle, and real benefits.
These cards also come with added benefits like:
- Simple online application with digital KYC — no physical docs needed
- Approval-friendly for students, freelancers, and gig workers
- Cashback and rewards on everyday categories like food delivery, shopping, fuel
- Low or zero joining fee with spend-based waiver options
- UPI linking, EMI facility, and tap-to-pay compatibility on select variants
Don’t let paperwork hold you back. Use our comparison tool to discover the easiest credit cards to get approved for — with minimum effort and maximum value.parison tool to check features, annual fees, eligibility, and apply for your favourite card today — only on CardMela.com.
ICICI Bank Student Forex Prepaid Credit Card
★★★★☆ (4.5/5)
Ideal for students studying abroad
Benefits:
Joining benefits ₹5,000 including 1 Indian International lounge access
Free Uber voucher ₹500
1 monthly ATM fee waiver
Free replacement card
ISIC membership worth ₹999
Card Protection Plus insurance ₹1,600
Lost card liability coverage up to ₹5,00,000
Eligibility:
Valid passport required
A2 Form and PAN card necessary
Fees:
Joining fee Nil
Annual fee Nil
AU Bank Altura Credit Card
★★★★☆ (4/5)
Best for cashback seekers and occasional travelers
Benefits:
5% Cashback on all spends (up to ₹3,000 per month)
₹1,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500 per month
Complimentary Airport Lounge Access (2 visits per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹20,000/month income
Recommended Credit Score 700+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee approx ₹500
Axis Bank Neo Credit Card
★★★☆☆ (3.8/5)
Ideal for beginners and online shoppers
Benefits:
10% off on Myntra, BookMyShow & Zomato
5% off on utility bill payments
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹250 Joining Fee, ₹250 Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
ICICI Bank Amazon Pay Credit Card
★★★★☆ (4.5/5)
Ideal for frequent Amazon shoppers and users of Amazon Pay services
Benefits:
5% cashback on Amazon.in for Prime members
3% cashback on Amazon.in for non-Prime members
2% cashback on 100+ Amazon Pay partner merchants
1% cashback on all other spends
No limit or expiry on cashback
No joining or annual fee
1% fuel surcharge waiver
Earnings credited as Amazon Pay balance
Eligibility:
Invite-only for eligible ICICI Bank customers
Fees:
Joining fee: ₹0
Annual fee: ₹0
AU Bank Lit Credit Card
★★★★☆ (4/5)
*Best for users who want full control over their card benefits
Benefits:
Customize benefits as per your needs
Up to 5% Cashback on selected categories
Choose from Lounge Access, Fuel Waiver, OTT Subscriptions
Real-time benefit switching via AU 0101 App
₹49/month feature pack (only when used)
Eligibility:
₹20,000/month income, Credit Score 700+
Fees:
Zero Joining Fee, ₹49/month if feature pack activated, No hidden charges
IDFC First Bank Millennia Credit Card
★★★★☆ (4.5/5)
Best for millennials with perks
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points up to ₹20K spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
25% off on movies
4 railway lounge visits quarterly
₹2L accident cover
Eligibility:
₹3L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
ICICI Bank Amazon Pay Credit Card
★★★★☆ (4.5/5)
Ideal for frequent Amazon shoppers and users of Amazon Pay services
Benefits:
5% cashback on Amazon.in for Prime members
3% cashback on Amazon.in for non-Prime members
2% cashback on 100+ Amazon Pay partner merchants
1% cashback on all other spends
No limit or expiry on cashback
No joining or annual fee
1% fuel surcharge waiver
Earnings credited as Amazon Pay balance
Eligibility:
Invite-only for eligible ICICI Bank customers
Fees:
Joining fee: ₹0
Annual fee: ₹0
Most Flexible. Most Welcoming. Most Effortless.
Want a credit card without the paperwork headache? Start with the ones that offer quick approvals with minimal documentation — no stress, no waiting.
This page showcases the most easily approved credit cards chosen by CardMela users — trusted for their fast processing, lenient eligibility, and zero-paperwork application journeys across shopping, travel, fuel, and lifestyle.
Why These Cards Are Approval-Friendly
Digital-First Process
Apply online with video or e-KYC — no physical documents needed.
High Approval for All Profiles
Whether you’re a student, freelancer, or self-employed, these cards work for you.
Everyday Value
Enjoy cashback, lifestyle rewards, and more — even with basic income proof.
Clear, Transparent Terms
No hidden conditions — easy fee waivers, clear eligibility, and trusted issuers.
Who Goes for These Cards?
First-time applicants with no credit history
Freelancers, gig workers, and digital entrepreneurs
Salaried users with minimal documentation
Students or homemakers looking for an add-on card
Anyone who prefers fast and simple approval
Fast. Easy. Done.
CardMela helps you compare easy-approval cards, see what fits your profile, and apply in minutes — all without paperwork stress.
No files. No fuss. Just approval.
Compare. Apply. Start using. Today.