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Whether you’re looking to buy the latest smartphone or need immediate financial assistance, having a Credit Card at hand helps. Given the plethora of options available across banks, how does one apply for credit card online? That’s rather simple – choose one that meets your requirements while going easy on interest rates and other such charges. Read everything you need to know about Credit Cards and choose for the best credit card for you & apply for a Credit Card that best suits your needs today!
The name says it all - Shopping Credit Cards are designed for frequent shoppers. While some cards provide deals and discounts for shopping online, others are designed for in-store shopping. Further, there are co-branded Shopping credit cards that provide offers and rewards on specific brands or stores. Shopping Credit Cards are typically affordable with a starting annual fee of Rs.500. The benefits offered on the cards including the welcome gifts, reward points, deals and discounts, etc., revolve round the shopping category.
The travel Credit Cards are best suited for frequent travellers. The features and benefits offered on the cards mostly revolve around air travel. Reward points to air miles conversion, free flight tickets, complimentary airport lounge access, and accelerated rewards on air ticket booking, among others are some common features offered by Travel Credit Cards. Most of the Travel Credit Cards are co-branded cards offered in collaboration of the card issuer and an Air Carrier or Travel Website. The annual fee of the cards ranges from Rs.500 to Rs.5,000 depending on the benefits they offer.
A lifestyle credit card is one of the best credit cards offered by most banks and is considered to be an "All-in-one" credit card that provides you with privileges across categories. From shopping to travel, cashback & rewards, entertainment to dining, you get to enjoy exclusive credit card offers and discounts on most of them. The Lifestyle Credit Cards usually come with a high annual fee and joining fee, which is worth spending for the privileges offered by most of these cards.
Fuel Credit Cards offer you great savings on your fuel expenses. We have partnered with the best in the Industry to bring you some of the best Fuel Credit Cards in the country. Fuel credit cards give you more reward points on fuel spends, fuel surcharge waiver facility, reward points redemption against fuel purchases, and many more value back benefits, enabling you to keep your fuel expenses under check.
There are some golden rules to use a Credit Card.
Timely payment of your Credit Card bill helps you maintain a healthy Credit Score.
Keeping track of your expenses lets you keep a check on overspending.
A Credit Card should be selected basis your income, fixed monthly obligations & your expenses.
You should regularly check your Credit Card statement in order to check the status of your Credit Card payment & view your spending behavior!
Credit Cards available at Finserv MARKETS allow you to avail a personal loan against your cash limit. Also, you can repay this amount in easy EMIs!
Purchases through any Credit Card available at Finserv MARKETS can be converted into EMIs easily. Apply for a credit card online today.
With cyber-crime a reality, your credit Card comes with features that ensure safety against any kind of fraud. Apply online and avail the best credit card for you now!
You can now withdraw cash whenever you need using your Credit Card, that too interest-free! Avail this benefit against a minimal processing fee.
Avail BIG savings annually when you use your Credit Card. Why wait? Go online and apply today with a paperless application process!
One of the most important aspects of the choosing the right Credit Card is to consider your spending habits first. If you're an avid traveller, then you should go for a Credit Card that gives you reward points on travelling. If you shop frequently, then you choose a card that gives you discounts and reward points frequently.
Some lifestyle Credit cards give amazing offers and discounts on shopping from certain websites or brands. Some are better suited for travel. You need to be sure that you look out for benefits and compare between multiple cards to avail these benefits.
Make sure that you check the rewards that are being offered in the Credit Card. If you're into travelling, then you need to look out for Card that offer more rewards on travelling. A lot of banks offer you exclusive rewards when your credit card payments are made on time. The same goes for Lifestyle Credit Cards, Fuel Credit Cards, etc.
Different Credit Cards have different fees and annual charges which you need to check before making a decision on choosing the correct type of Credit Card for you. A lot of companies even offer free Credit Cards these days, i.e. without any annual charges.
Finserv MARKETS offers a lot of welcome gifts or bonus points on the online Credit Cards that you select. These can be extra miles that can be redeemed while travelling or bonus points that can be redeemed whenever you shop. If you want to avail these, you need to find and apply for Credit Cards that offers good welcome gifts or bonus points. What are you waiting for? Apply & avail the benefits today!
This is very crucial to check out before you apply for any Credit Card as different banks offer different rates of Interest on a variety of Credit Cards that they offer.
You have just completed your shopping at your favourite brand's outlet and use your Credit Card at the checkout counter. The storekeeper will swipe your card or insert it into a POS or point of sale machine. In most cases, the store will then ask you to enter a PIN (personal identification number) to authenticate the transaction.
When you are paying for purchases online, the e-commerce store will ask you for the below details:
Choose whether it is Visa or Mastercard or RuPay Card
16-digit card number,
Name as printed on the card
Billing address (sometimes)
The machine reads the strip or chip on your Credit Card and sends the information along with the PIN to your issuing bank. If everything looks all right (credit limit, identity, validity, etc.), the bank approves the purchase.
Post-pressing the pay button, the information is sent to your bank via a payment gateway.
If the transaction is approved, the machine then prints a pair of receipts – the retailer keeps one and hands you the second copy. In rare cases, where a PIN is not required, the retailer will request you to sign a copy of the receipt.
The bank sends an OTP or one-time password to your registered mobile number or email ID to authenticate this transaction.
You are billed for the transaction in the next statement, and the retailer receives the money after a few days. The whole process works seamlessly on systems and technology provided by Visa, Mastercard or NPCI.
If the OTP entered by you is correct, only then your transaction is complete.
If your Credit Card balance is running too high already, there are chances that your fresh online Credit Card application may not get processed.
One of the prominent reasons for your card to get rejected is that your CIBIL score is not up to the mark.
Having too much debt makes it harder for you to take on a new payment. If your loan balances are high, credit card issuing banks may be hesitant in giving you a new Credit Card.
Your income is one of the major factors to decide on which Credit Card to give to you. This may be a factor of rejection in case the issuing banks find your income too low.
One of the reasons for rejection of a good Credit Card is that you already may be having too many of them. The number of Credit Cards you have can have an influence on whether or not you shall get a new one.
One of the best features offered by Credit Card companies is that you can convert your amount due into easy EMIs. EMI on credit cards works in a simple way. If you are purchasing a product which is more than Rs.10,000, for example, an electronic appliance, furniture, vehicles, etc. You can convert it to an EMI. The EMI will be calculated depending on the rate of interest charged by the bank, the tenure you choose and the down payment which you provide. If for example, you have purchased a phone worth Rs.20,000 and pay Rs.10,000 as a down payment. The rest Rs.10,000 can be paid as EMIs for a period of 1 year with an interest of 12%. The EMI you will need to pay for 12 months will be Rs.1,200.
Credit cards offers attractive reward points basis the spends, card type and welcome bonus. Customers can redeem these reward points to make down payment at multiple partner stores both online & offline. Also, you can redeem these reward points to avail discounts, gift vouchers, movie tickets, fuel surcharge waiver etc.
Every online credit card bill payment you make on your credit card is reported to credit information companies like which regularly maintain and update credit scores of individuals from time to time. Regular bill payment helps you maintain a good score.
Most credit cards can now be used to pay your utility bills! You can now recharge your DTH, pay your phone bills or even buy groceries all with convenience of your Credit Card.
One of the most talked about features is complimentary Lounge Access. With premium lounge access, you can get spoiled with luxury environment to rest your mind, have complementary snacks, a quick shower, etc. choose from multiple lounge access cards on Finserv MARKETS.
Apply for a Credit Card online by following quick steps and avail benefits such as Interest-free cash withdrawal, Personal Loan on Credit Card, Reward points & discounts & much more.
A credit card can make the process of payments - both in-store and online transactions - so much more convenient and faster. But it is important that you choose the most suitable credit card depending upon your lifestyle. It is always advisable to study your spending habits, understand where you .....
A credit card is an instrument that lets you make payments for transactions at that moment with just a swipe of the card, and later on, pay the accumulated sum of money in the form of your credit card bill.
India has been witnessing a strong uptake on cashless payments in recent years, and that includes the use of debit and credit cards. In fact, the credit cards in circulation touched 48.9 million in May 2019, according to data from the Reserve Bank of India. This is a steep rise from 38.6 million .....
The concept of buying on credit enables people to purchase or acquire a product or service immediately, with the promise of making the payment sometime in the future. This mechanism of the immediate transfer of ownership but deferred payment corresponding to it has been around since as far back a.....
A credit card enables you to have a smooth and superior shopping experience as it allows you to process transactions with just a swipe of the card. You do not have to worry about the actual amount remaining in your bank account since it draws on money from your pre-approved credit limit.
Many credit cards require you to have a very good credit score. Some even require your score to be above 750. This means that you need to maintain an excellent credit score in case you're planning to apply for a Credit Card in the near future.
A credit card from Finserv MARKETS comes with various benefits. These are- Brings huge reward points with almost every transaction. Personal loan against the unutilised credit limit. Guaranteed annual savings. Easy conversion of big-ticket purchases into manageable EMIs. Improve CIBIL score with timely repayments. Convenient ATM cash withdrawals.
Usually, it takes about 12-15 days for a Credit Card application to get processed. You need to submit your identity proof , address proof , a copy of your PAN card, Income/ Employment proof . Your documents are then verified and processed further.
The number of Credit Cards one should own is not fixed. It depends on your financial ability and your spending behaviour. However, ensure to manage all the cards properly. Use them responsibly, repay the outstanding on time and make sure none of them is affecting your credit score.
You need to fulfil certain eligibility criteria to get a credit card. Age must be between 25 and 65 years. CIBIL score must be at least 750. Shouldn’t be a defaulter. The residing address must be verified.
Credit card statement is a documentation of all transactions that you make with your credit card in a specific billing cycle. It also carries other crucial details related to your card like total amount due and minimum amount due for a billing cycle, payment due date, available credit limit, current billing cycle’s opening and closing balance, reward points earned/not redeemed etc. A credit card statement can easily be accessed both online and offline.
Credit card balance is the total outstanding that a cardholder owes to his or her card issuer. It is calculated based on factors like purchases made, applicable fees including statement charges, annual fees, interest rates, and total outstanding amount including accrued interest. Credit card balance is equivalent to the outstanding amount and is inversely related to the credit limit
Having a poor credit score decreases your chances of having a good Credit Card by a huge margin. It is strongly advised that one should have a good credit score in case you want a Credit Card.
It depends on your card type. If your credit card is accepted globally, you can use it in other countries as mentioned by your creditor. However, a certain fee known as the foreign transaction fee will be charged for all the purchases made abroad.
The minimum amount due is the amount that you are required to pay for your credit card bill, on or before the due date. Generally, the minimum amount due is calculated at 5% of the unpaid balance. Note that the minimum amount due is not a fixed amount and varies every month, depending on the purchases you have made using the card during that period.