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What is a credit card?

Credit card is a plastic card issued by a bank or a financial institution, allowing a consumer to purchase goods and services on credit. It is a digital alternative to cash- based transactions. One can withdraw advance cash or make a purchase on credit. The consumer can pay back the due amount through monthly installments before the final due date. You can find some amazing offers on best credit cards in India at CreditKaro.com.

How To Apply Credit Card Online

Step 1

Log in to CreditKaro.com

Step 2

Locate the “Credit Card” tab on the home Page and click on it

Step 3

Provide necessary details to sort and filter out your preferences.

Step 4

Choose from the displayed products and click on “compare”.

Step 5

You can compare up to 3 cards.

Step 6

Select the one that suits you and click on “Apply”

Documents Required
  • Identity Proof (Anyone): Aadhaar card/ Passport/ PAN CARD/ Voter ID card
  • Address Proof: Aadhaar/Passport/ Driving license, Phone bill, electricity bill, Rental agreement & Two recent passport-sized photographs
  • Financial documents: Salaried: Latest three-month salary slip

TYPES OF CREDIT CARDS

  • STANDARD CREDIT CARD

    This is the most basic credit card with nominal annual and joining fee.

  • REWARDS CARD

    These are the type of credit cards through which you can earn reward points on each transaction and use those reward points for future transactions.

  • TRAVEL CARD

    These credit cards can earn you frequent flyer points and executive lounge access when you purchase tickets using them.Top Travel Credit Cards in India

  • CASH-BACK CARD

    These cards have cash-back offers on transactions made at partner outlets Add after this Check out top 5 Cashback Credit card in India.

  • FUEL CARDS

    These cards can earn you fuel points on making transactions at fuel pumps and helps you save money on fuel surcharge.

  • CO-BRANDED CARDS

    These cards feature the co-promoter’s logo/name on the card, these cards can earn you discounts and points at the co-promoter’s outlet.

  • CHARGE CARDS

    These cards have no credit limit and the balance does not get carry-forwarded to next month’s cycle, so with these cards you will have to pay the total outstanding balance at the end of every month.

BENEFITS OF USING A CREDIT CARD

Don’t let cash be a constraint once it involves planning your dream wedding, travel destination, house renovation or even debt consolidation. Whatever is the current need, you can avail a loan that meets the exact requirement so that you can execute your plans without facing any monetary hassles.

EASE OF CREDIT

Carrying a plastic card in your pocket is much easier and safer than carrying hard cash, moreover there might be a situation where an individual does not have liquid cash but needs to make a big payment, this is where the credit card comes in to remove this hindrance.

RECURRING PAYMENTS

There is usually a notion that credit cards are only used to make big one-time payments, but one can also add a credit card to their monthly biller and make recurring payments like electricity bills, gas bill, phone etc.

CASHBACKS

Many credit cards have cashback offers on them, which means when you make a certain purchase from partner outlets, you get a certain percentage of that purchase as cashback which is then deposited into your account.

REWARDS PROGRAMS

There are many credit cards which carry reward offers, these cards are generally called “Reward cards”. These are cards with which you can earn reward points on each transaction and use them for future purchases.Best Rewards Credit Card 2018 in India.

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How To Apply For The Best Credit Card In India

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FAQ

1What is a credit card?

    Credit card is a digital alternative to cash-based transactions. This is simply a plastic card issued by bank and financial institutions, which allows the consumer to withdraw advance cash or make a purchase on credit.

2What is the difference between VISA and Master Card?

    Debit card allows a consumer to withdraw or spend their own money from the bank account while in case of a credit card any money withdrawn or spent is a loan amount granted for a stipulated time by a bank or financial institution. If you want to look for top 10 credit cards in India, you can just log on to Creditkaro.com and go to the blogs section, we have some serious recommendations.

3What is a co-branded credit card?

    Co-branded credit cards are the ones which feature a merchant’s name and logo as a co-promoter of the card. These cards may include rewards and cashback offers from the co-promoter. You can visit our credit card page and find some mind-blowing offers on credit card online; we also offer free credit score check for all our users.

4What are the key charges applicable to credit cards?

    • Joining fee
    • Annual fee
    • cash withdrawal
    • Duplicate statement fee
    • Service tax
    • Over-limit fee
    • Electronic fund transfer

5Define CVV.

    CVV (Card verification value) number is a 3 digit number mentioned at the back of your card on the signature panel. The CVV number is vital in case of online transaction and provides your card authenticity thus should not be disclosed to anyone.

6What is a supplementary card? How Many supplementary cards can i have at one point?

    Supplementary card refers to one or more credit cards which can be issued to the family members of the primary card holders. These cards share the credit limit of the primary card holder. You can have up to 3 supplementary cards at a time although it can vary from one issuer to another.

7How can i check my credit score?

    If you want to check your credit score all you need to do is log on to credit Karo page, go to the home page, click the "check your score" tab and just fill the required information and get the accurate credit score.

8Can I make online transactions with my credit card?

    Yes. You can make online transactions with your credit card, using a credit card for online transactions is a smart idea because you can earn on various deals and offers.There are a lot of cashback offers on e-commerce websites incase of credit card purchases.

9Is there any charge if i withdraw money using my credit card?

    Yes. Each time you use a credit card to make a withdrawal from a credit card, banks charge you a cash advance fee, which is a certain percentage of the withdrawn amount. This amount usually varies from 2.5% to 3% of the withdrawn amount.

10How Many types of credit card can i choose from?

  • Standard credit card- These are basic credit cards nominal or no annual fee.
  • Reward cards-These are cards with which you can earn reward points on each transaction and use them for future purchases.
  • Travel cards-These cards can earn you frequent flyer points and executive lounge access when you purchase tickets using them.
  • cash-back card-These cards have cash-back offers on transactions made at partner outlets.
  • Fuel cards-These cards can earn you fuel points on making transactions at fuel pumps.
  • Co-branded cards-These cards feature the co-promoter's logo/name on the card and can earn you discounts and points at the co-promoter's outlet.
  • Charge cards- With these cards you must pay the total outstanding balance at the end of every month as the balance will not be carry forwarded. These cards have no credit limits.

11How will I know which credit card is better?

    It is very easy to compare among different credit cards on CreditKaro.com. When you are on the product list page, you will find a compare button on every product, CreditKaro allows you to compare minimum 2 and maximum 3 products. You can compare the products based on the given criterias and find the one that suits you.

12What if I lose my credit card?

    Incase you loose your credit card, Immediately call the issuer's customer care number and block the card as soon as possible to avoid any misuse. You can read our blog on the topic "What would you do if you lost your Debit or Credit card?" to get more relevant information.

13How can I apply for a credit card?

  • Applying for a credit card will never be this easy, all you need to do is:
  • Log on to CreditKaro.com
  • Click on the credit card Tab(locate it from the home page)
  • Once you are on the product list page, you can choose from various options and find the card that suits your lifestyle.

14How will i check eligibility for credit card?

  • Age should be More than 18 years (more in some cases)
  • You should be salaried employee or self-employed.
  • Must Have a valid Indian address
  • Must Have a savings account
  • Must meet the income criteria.

15What is the difference between credit and debit card?

    Debit card allows a consumer to withdraw or spend their own money from the bank account while in case of a credit card any money withdrawn or spent is a loan amount granted for a stipulated time by a bank or financial institution. If you want to look for " top 10 credit cards in India", you can just log on to Creditkaro.com and go to the blogs section, we have some serious recommendations.

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