Best Fintech Credit Cards in India

In India, digital payments are now a regular part of life, especially with the rise of UPI. As people became more comfortable with online transactions, many Fintech startups began offering easy lending options. These include quick personal loans and “Buy Now, Pay Later” (BNPL) services, which let you purchase things and pay for them later in smaller amounts. Some well-known BNPL options in India are Amazon Pay Later and LazyPay, which have made it simpler for users to manage their money while shopping online.

Fintech companies didn’t stop there—they also introduced BNPL cards that work like credit cards. These cards let you borrow money to spend and pay it back later. Since most of these companies are not banks, they team up with banks or NBFCs to offer the cards. These cards usually run on Visa or MasterCard networks and can be used both online and offline. Some also give rewards like cashback or points. Startups offer different types of cards—some focus on BNPL, while others launch full credit cards. For example, One Card and Scapia are credit cards launched with banks. The Gild Credit Card from SMB Bank is unique because it gives digital gold based on your spending and is backed by a fixed deposit, earning interest of around 7.7% per year. What really sets BNPL cards apart is that they allow you to break down your purchases into monthly payments, making it easier to afford expensive items without paying everything upfront.