CREDIT CARD APPLY

A credit card is a financial tool that allows you to make purchases and pay for them later.

Benefits:Credit cards can offer perks like reward points, cashback, and discounts on purchases.

Documents required

To apply for a credit card, you’ll need to provide documents to verify your identity, address, and income:

Identification

A government-issued photo ID, such as a passport, driver’s license, Aadhaar card, or PAN card

Address

A document that shows your address, such as a utility bill, ration card, passport, driver’s license, telephone bill, or voter ID

Income

Proof of your employment status, such as recent salary slips, copies of your tax returns, or Form-16

Other documents

A completed credit card application form, passport-size photos, and bank statements

Easy access to credit

You can use the card to make purchases without immediately depleting your bank balance.

Cashback

You can earn a percentage of your purchases back as a loyalty reward.

Rewards

You can earn reward points that can be redeemed for discounts or payments on travel and other purchases.

Build credit history

If you pay your dues consistently, you can build a positive credit history that may make you eligible for larger loans in the future.

Travel benefits

Some credit cards offer perks like airport lounge access, travel insurance, hotel upgrades, and free air tickets.

Fuel surcharge waiver

Credit card issuers often waive a portion of the fuel surcharge added to your credit card transaction.

Interest-free period

You can get short-term credit for 45-60 days if you pay off your balance by the due date.