Credit Card

Yes. True Balance doesn't charge you anything to check eligibility or apply. Any card-specific fees (like joining or annual fees) are set by the issuing bank and shown clearly before you apply — and many featured offers are lifetime-free cards with no such fees at all.

No. The eligibility check on True Balance is a soft enquiry and has no impact on your credit score.

An LTF credit card has no joining fee and no annual fee for as long as you hold the card. Many LTF cards still offer strong benefits — reward points, movie offers, lounge access, and more. Look for the LTF tag when browsing cards on True Balance.

Yes. RuPay credit cards can be linked to UPI apps like Google Pay, PhonePe, and Paytm, letting you pay by scanning any QR code while earning credit card rewards. You can find such cards on True Balance.

Yes, select cards can be issued against a fixed deposit — with no income proof or credit history needed. These are a practical way for students, homemakers, and first-time users to start building credit. Run the eligibility check to see if you match.

True Balance currently partners with SBI Card and IDFC FIRST Bank, and we're expanding to more issuers. The cards you see are matched to your eligibility profile.

Many applications receive an in-principle decision within minutes. Final approval and card delivery timelines vary by bank and card. You can track every stage in real time on True Balance.

You can start your application right here on the website with Apply Now. For tracking and the smoothest experience, we recommend the True Balance app.

You'll need your PAN, plus Aadhaar or another valid KYC document. Depending on the card, you may also need income proof such as a salary slip, bank statement, or ITR. Everything is collected digitally during the application.