WishON Finserv Solutions
Credit Cards
WishON files credit-card applications with private banks and card NBFCs. We match spend, bureau, and employer category so you are not applying blind to five issuers.
- Eligibility from partner banks and NBFCs
- Indicative rates from 1.49% p.m.
- Official CIBIL report — free once a year on cibil.com
HDFC Bank Limited
ICICI Bank Limited
Axis Bank Limited
Kotak Mahindra Bank Limited
IDFC FIRST Bank Limited
Yes Bank Limited
Who it suits
- Salaried
- Government employees
- Self-employed
- Existing bank customers
Documents
- PAN card
- Aadhaar card
- One current address proof
- Last 3 months bank statements
- Last 3 months salary slips
On this product
- Joining and annual fees depend on the variant — many lifetime-free options exist.
- A card login is a bureau pull; we confirm the issuer before that step.
- Eligible salaried files can log in the same day. Clock otherwise 24–48 working hours.
- Indicative rate
- 1.49% – 3.60% p.m.
- Amount
- ₹50,000 – ₹15 L
- Tenure
- Up to 1 years
- Sourcing fee
- ₹0 from the applicant
Lending partners
Full legal names and marks for identification. WishON originates. The institution sanctions, prices, and disburses.
HDFC Bank Limited
ICICI Bank Limited
Axis Bank Limited
Kotak Mahindra Bank Limited
IDFC FIRST Bank Limited
Yes Bank Limited
IndusInd Bank Limited
Bajaj Finance Limited
Indicative EMI
Priced at the floor rate for Credit Cards. Your offer will move with bureau, FOIR, and the lender.
Credit Cards: up to 12 months.
Type with a point — 9.99, 11.50, 14. Type it; do not use 999. Floor for this product is 17.88% p.a.
₹75,000 and above: FOIR / DBR generally 70–75%, bank to bank. You may type a figure inside the band (60.5 is allowed).
- ₹20,000 – ₹35,000: 50%
- ₹35,000 – ₹50,000: 55%
- ₹50,000 – ₹75,000: 60–65%
- ₹75,000 – ₹1 lakh & above: 70–75%
Sum of EMIs already due — housing, auto, personal, cards minimum due if revolving. Deducted from FOIR before a new loan.