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A credit card is a physical payment card that allows you to get credit from a financial institution. You can use the pre approve limit to make purchase and repay the borrowed amount without any interest or charges within your billing cycle. The card issuer determines the credit limit based on your credit score, credit history and your income. There are many benefits of Credit Card such as Welcome Bonus, Easy EMI Conversion, Rewards Points on spends, Fuel Surcharges waiver, Cash Back Offer etc.
Any one who has income proof ( Salary slip or IT file ) or currently using credit card can apply for Credit Card . Age should be between 18 years to 70 years.
Credit Card limit starts from Rs 20000 and one can get maximum limit of 1200000. Most of the Bank offer an annual increase in credit card limit if you paid the balances on time.
Maximum loan term 30 years or up to the age of 70 years ( the age by which the loan should be fully repaid )of the borrower , whichever is early .Borrower can pay entire outstanding amount or part of the outstanding amount before term .
For Salaried
- KYC Document – Pan Aadhaar Card and Photograph
- Income Document – Last 3 months Salary slip, last 6 months Bank Statement.
For Self employed / Self Employed Professional
- KYC documents – Pan Aadhaar Card and Photograph
- Income Proof – Last 2 years full set of financials
For Existing Credit Card holder
- KYC documents – Pan Aadhaar Card and Photograph
- Copy of Credit Card
- Latest Credit Card Statement
- Vintage Proof – Old card statement