Best Credit card apps in India
8 ranked. Credit card apps in India, from card issuers and from fintech card programmes, ranked by GoCredible Score across the public app store ratings, with the full star split published rather than the average alone.
Last updated 2026-10-09.
Ranked by: GoCredible Score, highest first
How we ranked this
- Rating average across every public source we cover
- Number of ratings behind that average
- How recent those ratings are
No company paid for a position in this ranking. Read the full method
-
1
Scapia
GoCredible Score 4.8 out of 5, from 133,812 ratings across 2 public sources.
The app averages 4.8 on Google Play from 77,766 ratings and 4.8 on the App Store from 56,046. On Google Play, 85.4% of ratings are five stars and 2.0% are one star.
Read the full profile -
2
Amex India
GoCredible Score 4.7 out of 5, from 145,568 ratings across 2 public sources.
Google Play's 4.3 from 26,304 ratings contrasts with the App Store's 4.8 from 119,264, and 13.1% of Google Play ratings are one star.
Read the full profile -
3
BOBCARD
GoCredible Score 4.7 out of 5, from 100,770 ratings across 2 public sources.
The app averages 4.7 on Google Play from 84,042 ratings and 4.6 on the App Store from 16,728. On Google Play, 82.7% of ratings are five stars and 3.3% are one star.
Read the full profile -
4
Kiwi
GoCredible Score 4.6 out of 5, from 102,814 ratings across 2 public sources.
Google Play's 4.6 from 97,567 ratings contrasts with the App Store's 4.2 from 5,247, and 7.9% of Google Play ratings are one star.
Read the full profile -
5
SBI Card
GoCredible Score 4.6 out of 5, from 1,612,989 ratings across 2 public sources.
The app averages 4.6 on Google Play from 1,542,746 ratings and 4.5 on the App Store from 70,243. On Google Play, 77.0% of ratings are five stars and 5.4% are one star.
Read the full profile -
6
OneCard
GoCredible Score 4.5 out of 5, from 812,575 ratings across 2 public sources.
The app averages 4.4 on Google Play from 614,604 ratings and 4.7 on the App Store from 197,971. On Google Play, 74.9% of ratings are five stars and 11.1% are one star.
Read the full profile -
7
Uni Cards
GoCredible Score 4.5 out of 5, from 215,498 ratings across 2 public sources.
The app averages 4.5 on Google Play from 193,115 ratings and 4.6 on the App Store from 22,383. On Google Play, 85.9% of ratings are five stars and 10.0% are one star.
Read the full profile -
8
RBL MyCard
GoCredible Score 4.4 out of 5, from 330,073 ratings across 2 public sources.
Google Play's 4.5 from 319,402 ratings contrasts with the App Store's 2.2 from 10,671, and 7.9% of Google Play ratings are one star.
Read the full profile
Side by side
| # | Company | Score | Ratings | City |
|---|---|---|---|---|
| 1 | Scapia | 4.8 | 133,812 | Bengaluru |
| 2 | Amex India | 4.7 | 145,568 | Gurugram |
| 3 | BOBCARD | 4.7 | 100,770 | Mumbai |
| 4 | Kiwi | 4.6 | 102,814 | Bengaluru |
| 5 | SBI Card | 4.6 | 1,612,989 | Gurugram |
| 6 | OneCard | 4.5 | 812,575 | Pune |
| 7 | Uni Cards | 4.5 | 215,498 | Bengaluru |
| 8 | RBL MyCard | 4.4 | 330,073 | Mumbai |
What to look at before you choose
Billing disputes drive the low end
Card app ratings tend to drop around statement errors, declined transactions, reward point changes and collection calls. A rising one star share often tracks a policy change rather than a change in the app itself.
Fintech cards and bank cards are rated differently
A fintech card is sold through its app, so the app is the product. A bank's card app is a servicing tool for an existing card. The two groups attract different users and are best compared within each group.
A three step check
Check the volume
A 4.8 from 30 ratings is a weaker signal than a 4.3 from 900.
Check the date
A business changes hands, a manager leaves, and the rating takes a year to catch up. Look at what people wrote this quarter.
Check whether anyone replied
A company that answers its worst reviews is telling you what happens when something goes wrong for you.
Questions
Do these ratings compare card fees or rewards?
No. They show what users wrote about the app and the service around it. Fees, interest rates and rewards are set out in each issuer's terms and are not part of the score.
How often is this ranking updated?
Whenever a source's rating average is refreshed. Each entry carries its own as of date.
Can a company pay to rank higher here?
No. Placement is the GoCredible Score and nothing else. If that ever changes, the paid entries are labelled inline.
Related rankings
Running more than one location?
GoCredible watches every review source for every outlet in one place. Book a demo