BankBazaar review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
BankBazaar suits Indian residents comparing credit cards with personal loans, especially borrowers who value same-day funding and broad marketplace access. Its card has an annual fee of INR 0, but an APR of 42% makes affordability the key caution.
Key facts
- Best for
- Indian card shoppers who prioritise no annual fee and broad personal-loan access.
- Annual fee
- ₹0↗
- APR
- 42%↗
- Credit needed
- Good↗
- Card kind
- Credit↗
- Legal entity
- A&A Dukaan Financial Services Private Limited↗
- Headquarters
- India↗
- Support channels
- Email, Phone, Chat↗
- Pricing model
- No annual fee
- Features
- Same-day funding
- Official website
- bankbazaar.com
Loans
- Loan amount
- up to ₹10,000,000↗
- Term
- up to 84 months↗
- Arrangement fee
- 0% - 6% of the loan amount + GST↗
- Credit check
- Soft prequal↗
- Funding time
- Same day, within 1 working hour↗
- Rate type
- Fixed↗
- Lender type
- Marketplace↗
- Free early repayment
- No↗
- Eligibility
- Salaried 21 to 60 years, self-employed 21 to 65 years, Indian residents↗
- Origination fee (%)
- 0% to 6%↗
- Loan types
- Personal, Secured, Car, Student↗
Savings
Mortgages
Facts checked September 26, 2026, 10 sources
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- The co-branded credit card has an annual fee of INR 0.
- The card is a credit card.
- Personal-loan checks use a soft prequal process.
- Support is available through email, phone and chat.
Cons
- The card carries an APR of 42%.
- Free early repayment is unavailable for personal loans.
- Personal-loan eligibility is limited to Indian residents within the stated salaried and self-employed age ranges.
Who it suits
- Indian residents looking to compare credit cards and personal loans in one place.
- Salaried and self-employed applicants seeking personal loans with funding of Same day, within 1 working hour.
- Borrowers who want soft prequal checks before making a full credit application.
Who should look elsewhere
- bunq may suit readers prioritising a European banking relationship rather than Indian lending access.
- Varo Believe Secured Credit Card may suit readers seeking secured-card credit rather than a conventional credit card.
- Wise may suit readers focused on cross-border money movement rather than borrowing or savings.
Who runs it
BankBazaar is operated by A&A Dukaan Financial Services Private Limited and is based in India. It describes itself as a marketplace, connecting applicants with financial products rather than operating as the sole provider. Customer support is available through email, phone and chat, giving users email, phone and chat options.
How BankBazaar compares
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Where BankBazaar is available
- Available
- India
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the annual fee on the BankBazaar credit card?+
The co-branded credit card has an annual fee of INR 0. Its monthly and product fees are also INR 0 and INR 0, although borrowing costs still apply when a balance is carried.
What interest rate applies to the BankBazaar credit card?+
The co-branded credit card has an APR of 42%. This is the main cost to weigh when comparing it with other credit cards, especially alongside its annual fee of INR 0.
Is BankBazaar a lender or a marketplace?+
BankBazaar describes itself as a marketplace with marketplace operations. Its lending choices include personal, secured and car loans, so the available provider and terms may differ by product.
How quickly are personal loans funded?+
BankBazaar personal loans offer funding of Same day, within 1 working hour. The arrangement also supports same day funding, making funding speed one of the platform's clearest borrowing features.
What size personal loans are available through BankBazaar?+
Personal-loan amounts reach up to INR 10,000,000, with a maximum term of up to 84. The rate type is fixed, and applicants need good credit.
How accessible are BankBazaar savings accounts?+
BankBazaar savings accounts are described as easy access. Deposits can be accessed at any time without a fixed term or notice period, and minimum deposits run INR 0 to INR 25,000.
What savings interest rate is available?+
The savings headline rate runs 1.5% to 8%. Account kind is easy access, and deposits remain accessible without a fixed term or notice period.
Sources
- blog.bankbazaar.com/new-launch-finbooster-yes-bank-bank-b... checked September 26, 2026
Backs: Annual fee, APR, Pricing model
“This card is LIFETIME FREE - which means there is no joining or annual fee”
- bankbazaar.com checked September 26, 2026
Backs: Credit check, Loan types, Purpose
“You'll also know your approval chances before you apply with no impact on your Credit Score”
- bankbazaar.com/aboutus.html checked September 26, 2026
Backs: Headquarters, Lender type, Monthly fee, Product fee
“CHENNAI (Headquarters) Prince Info Park, Block-B, 3rd Floor, 81B, 2nd Main Road, Ambattur Industrial Estate, Ambattur, Chennai 600058, India”
- bankbazaar.com/conditionsofuse.html checked September 26, 2026
Backs: Legal entity, Support channels
“owned and operated by A&A Dukaan Financial Services Private Limited ('BankBazaar'), a company incorporated under the provisions of the Companies Act, 1956”
- bankbazaar.com/credit-card/finbooster-yes-bank-bankbazaar... checked September 26, 2026
Backs: Card kind
“FinBooster YES Bank BankBazaar Co-branded Credit Card”
- bankbazaar.com/home-loan-interest-rate.html checked September 26, 2026
Backs: Initial rate, Maximum loan to value
“Compare the lowest home loan interest rate starting from 7.10% p.a.”
- bankbazaar.com/personal-loan-interest-rate.html checked September 26, 2026
Backs: Credit needed
“Borrowers with credit scores above 750 typically qualify for the lowest personal loan interest rates, whilst those with lower scores may face higher rates”
- bankbazaar.com/personal-loan.html checked September 26, 2026
Backs: Loan amount, Eligibility, Features, Free early repayment, Funding time, Arrangement fee, Origination fee (%), Rate type, Term
“Personal Loan: Loan Amount - Up to Rs.1 crore”
- bankbazaar.com/savings-account.html checked September 26, 2026
Backs: Account kind
“easy access, and no limitation on deposit and withdrawal”
- bankbazaar.com/savings-account/savings-account-interest-r... checked September 26, 2026
Backs: Access terms, Headline rate, Minimum deposit
“The money that is deposited in a savings account can be accessed at any point in time.”
Compiled from 10 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Rewards type.
BankBazaar
Indian card shoppers who prioritise no annual fee and broad personal-loan access.