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What Are Credit Cards

Credit cards are financial tools issued by banks or financial institutions that allow cardholders to borrow funds up to a certain limit to make purchases or withdraw cash. They are a convenient and flexible way to manage expenses and offer several benefits, such as rewards, cashback, and building credit history.

How Do Credit Cards Work?

Credit cards can be a handy tool for managing finances, but it's important to understand how they work before you apply for one. Here's a quick rundown:

  • 01
    Borrowing Limit
    Each credit card comes with a predetermined credit limit, which is the maximum amount you can borrow at any given time.
  • 02
    Purchases and Payments
    When you use a credit card to make a purchase, the amount is added to your outstanding balance. You are required to pay at least the minimum amount due by the due date each month to avoid late fees.
  • 03
    Interest Charges
    If you do not pay your balance in full by the due date, interest is charged on the remaining balance. The interest rate is typically expressed as an annual percentage rate (APR).
  • 04
    Rewards and Benefits
    Many credit cards offer rewards programs where you can earn points, miles, or cashback on your purchases. Some cards also offer additional benefits like travel insurance, purchase protection, and extended warranties.

Types of Credit Cards

Every journey begins with a great plan. We offer a range of credit card options tailored to your unique goals and financial situation:

Standard Credit Cards

Basic cards that offer no-frills credit facilities, often with low fees and interest rates.

Rewards Credit Cards

Cards that offer rewards points, cashback, or travel miles for purchases made using the card.

Secured Credit Cards

Designed for individuals with no or poor credit history. These cards require a security deposit, which serves as collateral.

Balance Transfer Credit Cards

These are cards that allow you to transfer balances from high-interest credit cards to one with a lower interest rate, often with an introductory period of low or no interest.

Student Credit Cards

Tailored for college students with limited credit history, often offering rewards and lower fees

Business Credit Cards

Designed for business owners to manage business expenses and often offer higher credit limits and business-specific rewards.

Explore Our Personal Loan Options

Need funds quickly? A personal loan offers you the flexibility to manage your expenses with ease. Enjoy hassle-free approval, competitive interest rates, and the freedom to fulfill your dreams today.

Credit Card For Government Employees
Credit Card For Salaried Employees
Credit Card For Women

Required Documents

Ensure you have all the necessary documents when applying for a Credit Card. They must be authentic and accurate.

Identity Proof (Copy of any one): Age Proof (Copy of any one): Address Proof (Copy of any one): Income Proof:
  • PAN Card, Passport
  • Aadhaar Card
  • Voter’s ID Card
  • Driving License
  • Aadhaar Card
  • PAN Card
  • Passport
  • Birth Certificate
  • 10th Class Mark-sheet
  • Bank Passbook
  • Driving License
  • Bank Passbook
  • Voter’s ID
  • Ration Card
  • Passport
  • Utility Bills (Telephone, Electricity, Water, Gas)
  • LIC Policy Receipt
  • Salaried: Form 16, Latest Payslips, IT returns for the past 3 years, Investment Proofs (if any)
  • Self-Employed: Business License Details, Proof of Business Address, ITR for last 3 years, Balance Sheet and Profit & Loss Account Statement

Easy Steps to Get Your Credit Card

  • 01
    Initial Inquiry and Consultation
    Contact us via our website, phone, or in-person visit.
  • 02
    Documentation Preparation
    Gather and submit the required documents.
  • 03
    Eligibility Check
    Submit the documents to us.
  • 04
    Application Submission
    Choose the best credit card option and authorise us to apply on your behalf.
  • 05
    Application Processing and Verification
    Provide additional information or documents if requested.
  • 06
    Approval and Offer
    Review the credit card offer.
  • 07
    Acceptance and Agreement
    Sign the necessary documents.
  • 08
    Card Issuance
    Await the issuance of your credit card.

Credit Cards Vs Debit Cards

What’s the difference between the two? Credit cards are payment cards that allow you to borrow money from a bank or financial institution, up to a pre-set limit, to make purchases. A debit card is a payment card that electronically deducts funds directly from your checking account when used for purchases.

Feature Credit Card Debit Card
Source of Funds Borrowed money from a credit line Your checking account balance
Spending Limit Set by issuer based on creditworthiness (typically $500-$10,000+) Limited to the funds available in your checking account
Interest Charged on any unpaid balance after the grace period (typically 14-21 days) at a high APR (Annual Percentage Rate) No interest charged on purchases
Fees May have annual fees, balance transfer fees, cash advance fees, and foreign transaction fees May have ATM withdrawal fees, overdraft fees, and monthly maintenance fees (depending on your bank and account type)
Rewards Many cards offer rewards programs for using your card, such as cash back, travel points, or points for merchandise Typically no rewards programs offered
Credit Building Responsible use helps build your credit score by demonstrating timely payments and good credit management Does not affect your credit score
Fraud Protection May offer stronger protection against unauthorised charges, with zero liability for fraudulent purchases in some cases May have lower protection limits and require you to report fraudulent activity promptly to minimise your liability
Convenience Widely accepted for online and in-store purchases, can be used for recurring payments and rentals Convenient for everyday purchases and ATM withdrawals
Budgeting Can be challenging to budget as you're spending borrowed money Easier to budget as you're limited to the funds in your account

Why Use Credit Cards?

Credit cards are a good option for building credit, earning rewards, and managing unexpected expenses.

Earn Rewards

Many credit cards offer cash back, travel points, or other perks for using your card. You can turn everyday spending into rewards you can use later.

Build Credit

Using your credit card responsibly and paying your balance on time helps improve your credit score. This can give you access to better loan rates and other financial benefits in the future.

Protection

Credit cards generally offer stronger fraud protection compared to debit cards. If someone steals your card information, you're typically not liable for unauthorised charges.

Manage Cash Flow

Credit cards can give you some breathing room in your budget. You can make a purchase now and pay it off over time as long as you avoid interest charges by paying your balance in full each month.

Convenience

Credit cards are widely accepted for online and in-store purchases, making them easier to use than cash or checks. You can also set up recurring payments and use them for rentals like cars or hotels.

Budget Tracking

Many credit card issuers offer detailed online statements and spending trackers. This can help you categorise your purchases and gain insights into your spending habits.

Emergency Buffer

Having a credit card with a reasonable limit can act as a safety net for unexpected expenses. This can be helpful for car repairs, medical bills, or other emergencies.

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We understand that managing your finances can be a daunting task. That's why e your accounting processes.

Loan amount

₹5,00,000

₹500,00,000

Rate of Interest
%

7%p.a.

15%p.a.

Loan Duration

1 Year

30 Year

12 Months

360 Months

*For representation purpose only. Final values may vary subject to bank’s policy.

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Total Amount Payable

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Total intrest Payable

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View RBI Guidelines

FAQ

Clarify your doubts about various loans, including credit cards, with answers about interest rates, terms, and eligibility requirements.

Credit cards offer convenience, rewards, and the ability to build your credit score. They can also provide fraud protection and financial flexibility.

Balance transfer is the transfer of your existing credit card balance to another card for lower interest rates or better terms to reduce your interest burden.

Criteria typically include age (21-60 years), income stability, employment status, credit score, and credit limit.

Interest rates vary but generally range between 2.5% and 4% per month. We help compare rates from multiple banks to find the best deal.

A credit score of 700 and above is preferred, though some banks may approve cards for scores as low as 650 with higher interest rates or stricter terms.