Credit Card

Credit Card

A credit card is a payment card issued to users to enable the cardholder to pay a merchant for goods and services based on the cardholder's accrued debt. A credit card is a handy way to meet immediate expenses when you are low on cash flow. A credit card gives you access to funds for any purchase or expenses based on your limit. Following this, you get a month to make repayments towards the used up limit.

In a Credit Card, the sum of money is blocked for the period of the deposit. Banks allow depositors the flexibility to invest their funds from periods as low as 7 days to 10 years. The interest rate on the deposit depends on the period for which the funds are placed with the bank.

Credit Card
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Credit Card

Features of Credit Card Account

Basic Credit Card

This credit card will be the preferred choice for those who wish to try out using a credit card. You will be given a small credit limit based on your income and you can make purchases with the given limit.

Secured Credit Card

Individuals who have a poor credit history can get hold of a secured credit card by making a deposit equal to the credit limit of the card. This deposit acts as a security to issue the credit card for banks.

No Annual Fee Credit Card

A no annual fee credit card is the one that does not levy an annual fee for the usage of the credit card. It can be considered as a basic credit or slightly above that level that provides very few benefits.

Entertainment Credit Card

Credit cards that provide discounts and offers on entertainment-related spends are known as entertainment credit cards. It include movie ticket purchase, concert ticket purchase, amusement park ticket purchase, and other events.

Premium Credit Card

Premium credit cards are dedicated for selected few. It provides free access to golf clubs, airport lounges, concierge service, and insurance. It may also come with complimentary travel and hotel accommodation coupons.

Business Credit Card

These cards are designed specifically for business use. This is to make sure that business and personal expenditure are maintained separately. However, even a business credit card requires you to have a good credit history to be eligible

Benefits of Credit Card

Shopping Experience

Credit cards have redefined the shopping experience for cardholders. The cards make shopping easier. One can make big purchases for home needs and appliances using a credit card without having to take a hit on their monthly budget.

Alternate to Cash

Credit cards eliminate the need for carrying cash around for shopping. In fact there is no need to pay for any product or service using cash if you have a credit card. You can swipe it at a point of sale machine or use online or mobile banking to make payments.

Accepted Worldwide

Credit cards are a commonly accepted mode of payment across the world. The world is your oyster if you have a credit card. With a credit card in hand, you can pay with ease in foreign countries and make your travel more convenient at any corner of the world.

Credit Score

The credit score is a three-digit score calculated based on your credits and how well you pay them back. Most banks and financial institutions take into account an individual’s credit score while deciding whether the individual is eligible for a loan.

Why should one Apply for Credit Card?

Fast assistance

We offer 24*7 services for all its customers. You can contact us at anytime of the day and we will try our best to get back to you as soon as possible. Moreover, the process for Credit Card approval is fast and quick in nature.

Customer needs

Your needs are our priority. We promise to deliver you with services that are best on our capabilities. By handpicking the Credit Card offers based on customer profile, we try to give you the most personalised experience.

Compare Offers Online

With more than 40 lenders as partners, you can compare the different offers of financial institutions to make the right call. In fact, we help you find the best lender as per your eligibility requirements.