ABOUT CREDIT CARDS:-

A credit card is small plastic money issued by a bank which gives the holder an option to purchase goods and services on credit. Many people prefer plastic money over cash just because credit cards come with plenty of unmatched features and privileges. They have become part and parcel of everyone's life because from dining out at restaurants to booking your favorite international flight ticket, you can use your credit card for anything that you like.

BEST CREDIT CARDS OFFER BANKS:
(Last Updated on : 19th. August 2017 )

Bank Name

Type of Card

Apply Credit Card

HDFC BANK

Premium Card

Credit card application

KOTAK BANK

Premium Card

Credit card application

ICICI BANK

Premium Card

Credit card application

AXIS BANK

Premium Card

Credit card application

CITI BANK

Premium Card

Credit card application


  • CREDIT CARDS BALANCE TRANSFER:-
  • 1. Banks offer a welcome gift to new applicants once the card is issued to them. This gift can be in the form of bonus points, gift vouchers, discounts, etc.
    2. All credit cards have a reward program, which allows cardholders to earn reward points on various transactions they make using their cards.
    3. Many banks offer fuel surcharge waiver to credit cardholders when they spend specific amount of money on fuel every month.
    4. There are certain credit cards that offer cash back benefits to the customers. The amount of cash back depends on the card provider.
    5. Cardholders can enjoy various lifestyle benefits on their credit cards. Lifestyle benefits include dining, shopping, golf, wellness, entertainment, etc.
    6. Some credit cards offer fantastic travel benefits to the customers, including air miles, airport lounge access, travel insurance, airline offers, hotel offers, etc. Air Miles, JP Miles and others can be redeemed to avail flight tickets and other travel benefits. Example of these cards are Jet Privilege HDFC Bank World, Jet Privilege Platinum etc.
    7. Complimentary Airport Lounge access can also be availed by the cardholders. The offer varies from one bank to another. Some banks put a limit on the number of visits, while others allow access only to Indian airport lounges.
    8. Many banks allow their credit cardholders to apply for complimentary add-on cards for their immediate family members like mother, father, sister and brother.

  • CREDIT CARDS BALANCE TRANSFER:-
    • While using your existing credit card, there can be temptations to transfer the balance to a card offered at a lower interest rate. You can request for credit card balance transfer at the bank branch or give a call to the customer care number of the concerned bank.

  • HOW TO CHOOSE THE BEST CREDIT CARD?
    • When it comes to selecting the best credit card, it is something which is not everyones cup of tea. You need to do a thorough research and should be a keen observer so as to pick the best card. However, there are some important things that you need to always keep in kind while choosing the card which is best for you. Compare different cards on the parameters mentioned below to get the card which is just perfect for you.
    • 1. Fees/Charges
    • 2. Cash backs
    • 3. Rewards
    • 4. Latest Offers on Travel, Dining, Shopping, Entertainment, etc
    • 5. Fuel Surcharge Waiver
    • 6. Accidental Cover
    • 7. Credit Free Period

    • CREDIT CARD ELIGIBILTY:
      • The eligibility criteria for credit cards differ depending on the cards you are applying for and the bank providing it.
        • 1. You should be at least 18 years of age to be eligible to apply for a credit card.
        • 2. Most banks offer credit card upto the age of 65 years.
        • 3. If applicant is salaried then annual salary must be at least 2 Lakhs and if self employed, earning must be at least 1.5 Lakhs

      • DOCUMENTS REQUIRED APPLYING FOR CREDIT CARDS:
        • 1. You must have at least 1 passport sized photograph.
        • 2. Passport, PAN Card, Ration Card, Aadhar Card, Voter's ID Card, Driving License can be submitted as ID Proof
        • 3. Address proof like Passport, Rent Agreement, Telephone Bill, Ration card, Electricity bill, Aadhar card has to be submitted
        • 4. Applicant should possess PAN Card, Form 16 and Income Tax Returns Statement.
        • 5. Recent salary slips / certificate for last 3 months/latest bank statement indicating salary credited for minimum 3 months

    • HOW TO APPLY FOR A CREDIT CARD?
      • You can apply for credit card online as well as offline.
        • 1. If you want to apply online, you must login the registration page of bank's credit card and enter the required details. Both existing and new customer can apply for credit cards online.
        • 2. Another way is that you can visit the nearest bank branch to fill the application form, which would ask you to state necessary personal, occupational and income details, etc. Subsequently, you should submit the form at the branch along with photographs and other documents.
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          Our Preffered Credit Car Bank Partners: