The benefits don’t match the spending
A frequent diner ends up holding a travel card; the lounge visits go unused while the annual fee still bills. A card picked from an ad rewards a life the user doesn’t actually live.
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Credit Cards · Partner integrations open
A card for the way they spend — and one for every user.
Blostem embeds a credit card marketplace inside your app where users choose by the benefits they actually want — lounge access, dining offers, travel miles, forex savings, cashback — and see only the cards their eligibility supports.
Pick by benefit, not by adMatched to real eligibilitySecured route for new-to-creditFree CIBIL score in-flow
~2 minFirst tap to shortlistTen screens, every step resumable
100%Every user gets a routeSecured cards for no or low credit
300–900CIBIL score, freeShown during the journey
12Card types in one catalogueLifetime-free to secured to premium
Pick by benefitMatched to eligibilityNo dead ends
Built on the network India’s fintechs already run on.
Credit cards plug into the same platform, the same partners and the same operational rails that are already live on Blostem — a card programme starts from an integration your teams have seen work, not from zero.
Bank & NBFC Partners
Fintech Partners
Backed By
Rainmatter by Zerodha
Mobikwik
AC Ventures
Kapil Bharti
Co-Founder Delhivery
GrowX
Blue Lotus
The problemCards are sold by ads —
Cards are sold by ads —
not chosen by benefits.
Most people carry the card an ad sold them, not the card their spending deserves. They pay fees for perks they never use, apply blind to cards they can't get — and if they have no credit history, they're simply turned away.
Approval odds stay invisible
Comparison lists sort by commission or popularity, not eligibility. So every application is a hard enquiry gambled on a guess — and each rejection works against the user’s score.
New-to-credit means no, everywhere
India’s first-time users — many arriving through UPI-linked credit and co-branded journeys in tier-2 and tier-3 cities — have no score to show. The standard answer is a flat no, when a secured card was the right answer.
Fees paid for unused perksHard enquiries wasted on guessesFirst-time users turned away
Product walkthroughTen screens,
Ten screens,
about two minutes.
Browse, identify, assess, convert. Tap through the real product screens below — every screen is white-label, every step is resumable, and nothing touches a credit bureau until the user has explicitly said yes.
Discover
Identify
Assess
Convert
01 · Home
A catalogue built around the person browsing it
The home screen opens on featured cards, a trust strip and a ranked list. The moment anything is known about the user, the picks are personalised — and none of it sits behind a login wall.
- Featured carousel, top picks and the full card list
- Personalised the moment a profile exists
- Browsing never requires an account
“It opens on a catalogue built for the person browsing it — not an alphabetical list.”
01 / 10
Features & benefitsWhat a well-chosen card
What a well-chosen card
gives back.
A credit card is more than a payment method — picked well, it pays the user back every month. The marketplace organises the catalogue around these four kinds of value, so users shop for the benefit, not the brochure.
Money back on every swipe
Welcome gifts on joining, reward points on every transaction, straight cashback on chosen categories — and up to 50 interest-free days when the bill is paid on time.
- Points redeemable for flights, merchandise or statement credit
- Fuel surcharge waived at the pump
Big purchases, small worries
Large purchases convert into easy EMIs, balances transfer in from other cards at lower promotional rates, and fraud protection guards every transaction.
- Premium cards add air-accident, baggage and card-loss cover
- Add-on cards share benefits with family
A score that grows with use
Timely, full payments are the surest way to build a healthy credit history and lift a CIBIL score — and the limit, fees and APR are stated plainly, so the card is used on its real terms.
- Annual fees often waived on a spend milestone
- Low-APR picks flagged for users who carry a balance
Perks that upgrade the everyday
Complimentary airport lounge access, air miles, hotel offers and travel insurance — plus dining, shopping, wellness and entertainment privileges, accepted by millions of merchants worldwide.
- Domestic and international lounge access on select cards
- Global acceptance, tap-to-pay and virtual cards built in
Card types in India
Twelve card types. One journey. Every kind of spender.
Issuers build cards for very different lives, and the marketplace carries them all — so a student, a road warrior and a business owner each find the card built for them. And when eligibility falls short, the secured card keeps everyone in.
₹0 forever
Lifetime-free cards
No joining fee, no annual fee, lenient eligibility — the friendliest first card for a new user.
FD-backed
Secured cards
Built for low or absent credit scores. A fixed deposit stands as collateral, the limit is a share of it — and every on-time payment rebuilds the score.
Partner-powered
Co-branded cards
Issued with e-commerce, travel and dining platforms — the cards bringing first-time users aboard in tier-2 and tier-3 India.
Up to 5X
Rewards cards
Points on everything, accelerated points on the categories the user spends most in.
Miles & lounges
Travel cards
Complimentary lounge access, air miles and forex-friendly benefits for international trips.
% back
Cashback cards
A share of every spend returned as cashback, highest on select categories.
Store savings
Shopping cards
Discounts and rewards at partner stores, for the user who loves to shop.
Surcharge waived
Fuel cards
Cashback and discounts on fuel spends, with the surcharge waived at the pump.
Invitation-grade
Premium cards
Exclusive privileges and concierge-level perks for the highest spenders.
Movies & dining
Lifestyle cards
Built around movies, dining, golf and everything after hours.
Built for work
Business cards
Tailored to professionals and business owners and the way a business spends.
Starter limits
Student cards
Low interest rates, modest limits and an easy application for users just starting out.
12 card types, one catalogueFilter by: lounge · dining · travel · forex · cashbackNot eligible? Secured route, always
Before applyingFive checks that separate
Five checks that separate
a good card from a costly one.
The right card is the one that fits how a person actually spends and what they can actually get. These are the five factors every applicant should weigh — and the marketplace runs each one for them.
Your spending habits
Pick the card that rewards where the money already goes — online shopping, travel, dining or fuel — not where an ad says it should.
Eligibility criteria
Check income and credit-score requirements before applying. Entry-level cards welcome beginners; premium cards expect more.
Fees vs. benefits
A high-fee card earns its keep only if its perks are actually used. Otherwise the low-fee card wins.
Hidden & overall costs
Look past the annual fee to the interest rate (APR), foreign transaction charges and reward caps that decide a card's true value.
Application strategy
Every application triggers a hard enquiry that can dent the score. Apply once, to the card that fits best.
Built in
The marketplace runs every check for the user
- Benefit filters — the catalogue is browsed by lounge access, dining, travel, forex and cashback, so cards match real spending.
- Eligibility up front — a soft check ranks the shortlist before anyone applies, so approval odds are visible, not guessed.
- Fees in the open — joining fee, annual fee, APR and reward caps sit on every card page in plain language.
- One application, well aimed — the user applies to the card they match, instead of scattering hard enquiries across banks.
No one leaves empty-handed. A user who doesn’t clear a card’s eligibility isn’t shown a dead end — they’re routed to a secured card, backed by a small fixed deposit, that carries real benefits and rebuilds their score toward the card they wanted.
Common questionsCredit cards,
Credit cards,
the user’s questions.
The eight questions users ask before they pick a card — answered the way the marketplace answers them, in-flow and in plain language.
Can a user with no credit history or a low credit score get a credit card?
Yes. A user who does not clear a card's eligibility is routed to a secured credit card, which is backed by a fixed deposit. The credit limit is a percentage of the deposit, and timely repayments build or rebuild the credit score - so even a first-time user gets a card with real benefits.
How should a user choose between cashback, rewards and travel cards?
By matching the card to where the money already goes. Frequent flyers gain most from travel cards with lounge access, air miles and forex benefits; frequent diners and shoppers from rewards or co-branded cards; everyday spenders from a flat cashback card. The marketplace lets users filter the catalogue by exactly these benefits.
Does checking eligibility affect the user's credit score?
No. Eligibility runs on a consented soft enquiry, which does not affect the score. A hard enquiry only happens later, if and when the user formally applies with the issuing bank.
What is the interest-free period on a credit card?
A grace period, often up to 50 days, during which purchases carry no interest as long as the bill is paid in full by the due date.
Is a credit card with an annual fee worth it?
It depends on whether the perks are actually used. A high-fee card earns its keep when its lounge visits, vouchers and accelerated rewards are fully enjoyed, and many cards waive the annual fee entirely once a yearly spend milestone is crossed. Otherwise a lifetime-free card is the better pick.
What are co-branded credit cards?
Cards issued by a bank in partnership with an e-commerce, travel or dining platform, carrying outsized benefits on that platform. They are the first card of choice for many first-time users, especially in tier-2 and tier-3 cities.
Can a credit card be used on UPI?
Yes - RuPay credit cards can be linked to a UPI handle, so everyday scan-and-pay purchases earn credit card rewards. This has dramatically changed how cards are activated and used for small daily spends.
Can family members share a card's benefits?
Yes. Add-on cards extend the primary card's benefits to immediate family members, with spends earning rewards on the same account.
Give every user a card
worth carrying.
A benefit-led catalogue, eligibility-matched shortlists, and a secured-card route for the users everyone else turns away — embedded in your app, in your brand. Tell us your audience and we’ll walk you through the rest.
Pick by benefitMatched to eligibilitySecured-card routeWhite-label