Updated October 17, 2026 · DebitCue Editorial Team

Top bad credit and credit builder cards compared in India

6 cards available in India, ranked for India.

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Top bad credit and credit builder cards compared in India
#	Card	Score	Key facts	Actions
1	IDFC FIRST Bank Credit CardsTop pick Cashback on 1st transaction with the Hello Cashback Credit Card: INR 250	8.8/10	Annual fee: ₹0 APR: 8.5% Currency conversion fee: 0%	Review Compare Visit
2	IDFC FIRST Bank	8.8/10	Annual fee: ₹0 APR: 8.5% Currency conversion fee: 0%	Review Compare See alternatives
3	Kikoff Kikoff is a credit building app.	8.4/10	Rewards type: Cashback Legal entity: Kikoff Inc. Headquarters: United States	Review Compare See alternatives
4	Milestone Mastercard	Not rated	Credit needed: Fair Card kind: Credit	Review Compare See alternatives
5	Jenius	Not rated	Annual fee: IDR 500,000 APR: 21% Rewards type: Points	Review Compare See alternatives
6	Pockit	Not rated	Annual fee: £0 Currency conversion fee: 4% Rewards type: None	Review Compare See alternatives