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The purpose of these co-branded cards is to serve a wide range of Mahindra Finance's clientele. "}},{"type":"paragraph","data":{"text":"Raul Rebello, Managing Director & CEO, Mahindra Finance highlighted that their first co-branded credit card, being developed in collaboration with RBL Bank, will be designed to meet the aspirational needs of their customers, across geographies in India.   "}},{"type":"paragraph","data":{"text":"Rajeev Ahuja, Executive Director, RBL Bank said that their goal is to offer a one-stop solution that offers unmatched benefits across a wide range of categories."}}],"updatedOn":"2024-11-04"},{"title":"ICICI Bank Revises Credit Card Terms","article":[{"type":"paragraph","data":{"text":"ICICI Bank has announced a second round of changes to its credit card terms for 2024, set to take effect from 15 November 2024. These adjustments will impact various benefits, including airport lounge access, reward point caps, and transaction fees. Among the major changes is the introduction of spending caps in certain categories. For utility and insurance payments, the bank will cap monthly spending at Rs. 40,000 for entry-level and mid-range cards, while premium cardholders can spend up to Rs. 80,000. Similarly, grocery spend caps have been set at Rs. 20,000 for entry-level and mid-range cards and Rs. 40,000 for premium cardholders before reward points stop accumulating. A 1% transaction fee will now apply to education payments made via third-party platforms, utility transactions exceeding Rs. 50,000, and fuel payments above Rs. 10,000. Additionally, rental payments, government transactions, and education expenses will no longer count towards milestone benefits or annual fee waivers, meaning cardholders may need to adjust their spending to maintain these perks. Meanwhile, spa services through Dreamfolks will be discontinued. For more information visit the ICICI Bank's official website."}}],"updatedOn":"2024-10-14"},{"title":"Credit card spending surged 19% to Rs.1.7 trillion and transactions went up by 39%","article":[{"type":"paragraph","data":{"text":"In July 2024, credit card spending in India surged to Rs.1.7 trillion, a 19% increase year-on-year. Transaction volume rose by 39%, reaching 38.4 crore. HDFC Bank led with 9.9 crore transactions and Rs.44,369 crore in spend. ICICI Bank followed with 7.1 crore transactions and Rs.34,566 crore, while SBI had 6.3 crore transactions and Rs.26,878 crore. The average transaction value increased by 1.4% month-on-month, marking the first rise in ten months. This growth reflects higher consumer confidence and a shift towards credit card payments."}}],"updatedOn":"2024-09-02"},{"title":"Co-branded credit card launched by Aditya Birla Finance and AU Small Finance Bank","article":[{"type":"paragraph","data":{"text":"A wholly owned subsidiary of Aditya Birla Capital, Aditya Birla Finance Limited and India\u2019s largest small finance bank, AU Small Finance Bank Limited (SFB), has launched Aditya Birla Finance AU credit cards, a co-branded credit card. This card is available on RuPay and Visa payment network. These cards are available in four variants and provide comprehensive reward benefits across various categories such as travel, dining, education, lifestyle, entertainment, utilities, insurance, grocery, and government related spends. The card also offers various other benefits, such as fuel surcharge waiver of 1.00%; lifetime free benefits; accelerated reward points with airport lounge access; reduced forex markup fee flexibility to personalize their cards through mobile app; Biz variant offers up to 30% discount across select dining partners and many more."}}],"updatedOn":"2024-08-22"},{"title":"Credit card repayments cannot be made on third-party apps","article":[{"type":"paragraph","data":{"text":"Credit card repayments cannot be made on third-party apps that do not come under Bharat Bill Payments System (BBPS). The new rule has come into effect from 1 July 2024. Some of the apps that have been impacted are Amazon Pay, PhonePe, Paytm, and Cred. Some of the major banks that have not yet activated BBPS are Axis Bank, ICICI Bank, and HDFC Bank."}}],"updatedOn":"2024-07-01"},{"updatedOn":"2024-06-24","article":[{"data":{"text":"A RuPay Wave Credit Card has been launched by Federal Bank in collaboration with National Payments Corporation of India (NPCI). This credit card enables convenient UPI transaction through robust network. The card also ensures simple and efficient digital transactions by integrating the benefits and features of RuPay credit cards with the experience of UPI payments. "},"type":"paragraph"},{"data":{"text":"The card comes with zero annual maintenance cost; cashback of 10% on first fiveUPI transactions made using this credit card; on quarterly spends of Rs 50,000 the card offers 1000 bonus reward points as milestone benefits; and ensures easy usage via the FedMobile application."},"type":"paragraph"}],"title":"UPI-enables Rupay credit card launched by Federal Bank"},{"updatedOn":"2024-06-06","article":[{"data":{"text":"ICICI Bank and Adani One, in collaboration with Visa, introduced a co-branded credit card on 3 May 2024, featuring multiple benefits and a reward program. The two variants, the Adani One ICICI Bank Platinum Credit Card and the Adani One ICICI Bank Signature Credit Card, offer up to 7.00% Adani Reward Points on purchases within the Adani Group consumer ecosystem. These cards provide welcome benefits such as premium lounge access, free air tickets, discounts at duty-free shops, airport food and beverage discounts, free movie tickets, and Adani Reward Points on utilities, groceries, and international spending. The Platinum card has an annual fee of Rs.750 with joining benefits worth Rs.5000, while the Signature card carries an annual fee of Rs.5000 with joining benefits worth Rs.9000."},"type":"paragraph"}],"title":"Adani one and ICIC bank has launched two variants of co-branded credit cards"},{"updatedOn":"2024-05-23","article":[{"data":{"text":"Starting 18 June 2024, Amazon Pay ICICI Credit Card users will experience a shift in their rewards program. Currently, the card offers a variety of perks, including cashback and discounts, making it a favourite among consumers. Users presently receive 1% reward points on rent payments, incentivising the use of the card for monthly expenses. However, starting on 18 June 2024, this will change: rent payments made through the Amazon Pay ICICI Credit Card will no longer earn reward points. This alteration could affect the spending habits of cardholders who rely on these incentives."},"type":"paragraph"},{"data":{"text":"The Amazon Pay ICICI Credit Card, a partnership between ICICI Bank, Amazon, and Visa, has been praised for its cost-effectiveness, offering a fee-free experience with no joining or annual charges and other cashback opportunities, attracting a dedicated user base. Prime members have particularly benefited from enhanced cashback rates on Amazon purchases. Despite the upcoming changes, the card will continue to provide a 1% discount on fuel surcharge payments, with no cap on rewards or expiration dates. However, it's important to note that reward points will not be earned on EMI transactions and gold purchases."},"type":"paragraph"}],"title":"Changes to Amazon Pay ICICI Credit Card Rewards, No More Points on Rent Payments from 18 June 2024"},{"updatedOn":"2024-04-25","article":[{"data":{"text":"In an effort to improve customer experience, AU Small Finance Bank (AU SFB) introduced a number of financial products on 23 April 2024. Two of these products are credit cards: the AU SPONT Rupay Credit Card and the Secured Credit Card - NOMO (No Missing Out). With the UPI Scan and Pay feature, users of the AU SPONT Rupay credit card can easily link the card to their favourite UPI-enabled application and make payments conveniently. The NOMO (No Missing Out) Credit Card is backed by a fixed deposit (FD) and is the first secured credit card offered by the bank."},"type":"paragraph"},{"data":{"text":"The NOMO credit card is intended for individuals who do not meet the requirements for unsecured credit cards because of reasons like limited credit history, no credit score, or lack of proof of income. In addition to offering reward points based on card usage, this credit card comes with extra benefits like fuel surcharge waivers and access to airport lounges."},"type":"paragraph"}],"title":"AU Small Finance Bank introduces 2 credit cards"},{"updatedOn":"2024-04-24","article":[{"data":{"text":"As the spending on travel credit cards surges, SBI Card introduces three versions of its travel-centric credit card, SBI Card MILES. These variants\u2014SBI Card MILES ELITE, SBI Card MILES PRIME, and SBI Card MILES\u2014are designed to cater to all types of travellers, from frequent flyers to passionate explorers. Operable on both Mastercard and RuPay networks, SBI Card MILES enables users to convert travel credits into air miles and hotel points. Additionally, they enjoy enhanced rewards on all travel bookings, airport lounge access, and more. These credits can be converted into air miles or hotel points with partner brands or used directly for booking flights and accommodations via the SBI Card mobile app or website. With a wide array of redemption options, including partnerships with over 20 airlines and hotel chains such as Air Vistara, Air India, SpiceJet, ITC Hotels, and Accor, users have flexibility in how they utilise their travel credits."},"type":"paragraph"}],"title":"SBI Card Launches Travel-centric Credit Card Series Catering to Diverse Traveler Needs"}],"title":"News About Credit Card"},"metaDescription":"Credit Card - Get a Credit Card Approved Instantly from 65+ Top Banks in India. Compare Features, Benefits, Offers, Cashback & Rewards. Apply Card Now.","topContent":[{"type":"paragraph","data":{"text":"<strong>Credit Cards<\/strong> help you make payments for all your expenses with ease. They can be used for both online and offline transactions and offer various benefits."}},{"type":"paragraph","data":{"text":"Apply for a credit card online and select a card that best suits your needs. Enjoy instant approval, zero documentation, hassle-free application process, and a range of other benefits. Compare the <a href=\"\/credit-card\/top-10-credit-cards-in-india.html\" target=\"_blank\">best credit cards in India<\/a>. You can find cards offered by top banks along with their features, benefits, fees, and latest offers in a single place."}}],"hungryForMore":[{"type":"header","data":{"text":"What is a credit card?","level":2}},{"type":"paragraph","data":{"text":"A credit card is a type of payment card that lets you access credit on the go. It can either be a plastic or a <a href=\"\/credit-card\/metal-credit-card.html\" target=\"_blank\">metal card<\/a> issued by a bank or a financial institution. It allows you to pay for goods and services, both online and offline. If you pay off the credit card balance in full within the due date, you will not have to pay any interest on the due amount. Paying off your credit card bills on time will help you improve your <a href=\"\/credit-score.html\" target=\"_blank\">credit score<\/a>."}},{"type":"paragraph","data":{"text":"Most businesses allow customers to make purchases using credit cards, which continue to be one of the most widely used payment methods for buying consumer goods and services today."}},{"type":"header","data":{"text":"Top Credit Cards in India","level":2}},{"type":"paragraph","data":{"text":"To help you choose the right card, we have curated a list of the <a href=\"\/credit-card\/top-10-credit-cards-in-india.html\" target=\"_blank\">top ten credit cards<\/a> in India."}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Credit Card"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Category"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/credit-card\/rbl-bank-bankbazaar-savemax-credit-card.html\" target=\"_blank\">RBL Bank BankBazaar SaveMax Co-branded Credit Card<\/a>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Reward Points"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/credit-card\/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html\" target=\"_blank\">FinBooster: YES BANK - BankBazaar Co-branded Credit Card<\/a>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Reward Points"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/credit-card\/hsbc-platinum-card.html\" target=\"_blank\">HSBC Platinum Credit Card<\/a>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Travel and Dining"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/credit-card\/federal-bank-visa-signet-credit-card.html\" target=\"_blank\">Federal Bank Signet Credit Card<\/a>"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Reward Points"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/credit-card\/indusind-bank-platinum-credit-card.html\" target=\"_blank\">IndusInd Platinum Card<\/a>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Fee Waiver"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/credit-card\/indusind-platinum-aura-edge-credit-card.html\" target=\"_blank\">IndusInd Platinum Aura Edge Credit Card<\/a>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Lifestyle"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/credit-card\/sbi-simply-save-card.html\" target=\"_blank\">SBI SimplySAVE Credit Card<\/a>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Reward Points"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/credit-card\/hdfc-diners-clubmiles-credit-card.html\" target=\"_blank\">HDFC Diners ClubMiles Credit Card<\/a>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Lounge Access"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/credit-card\/hdfc-freedom-credit-card.html\" target=\"_blank\">HDFC Freedom Credit Card<\/a>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Reward Points"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/credit-card\/axis-bank-neo-credit-card.html\" target=\"_blank\">Axis Bank Neo Credit Card<\/a>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Shopping and Movies"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/credit-card\/amazon-pay-icici-credit-card.html\" target=\"_blank\">Amazon Pay ICICI Credit Card<\/a>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Cashback"},"type":"paragraph"}]}]}]}},{"type":"cta","data":{"linkText":"Apply For Credit Card on BankBazaar","link":"\/credit-card.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CCBUTTON_168665&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CCBUTTON_168665"}},{"type":"header","data":{"text":"Features & Benefits of a Credit Card","level":2}},{"type":"paragraph","data":{"text":"Credit Cards come with a range of features and benefits. They allow you to make online and in-store secure payments, build a good credit history, and offer instant access to funds during emergencies. You can earn rewards such as points or cashback on your purchases, enjoy travel perks such as access to airport lounges and travel insurance, and get protection for your purchases with extended warranties."}},{"type":"paragraph","data":{"text":"They also offer the flexibility to pay off balances over time and provide fraud protection. Overall, they provide convenience and extra advantages for consumers."}},{"type":"table","data":{"rows":[{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Welcome Gift<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Many banks offer a welcome gift to new credit card applicants once the card is issued through bonus reward points, vouchers, discounts, and other benefits."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Rewards Program<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"They generally offer a reward program, which allows cardholders to <a href=\"\/credit-card\/how-to-use-credit-card-reward-points.html\" target=\"_blank\">earn reward points<\/a> on every transaction they make using their cards."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Fuel Surcharge Waiver<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Banks offer a fuel surcharge waiver to the cardholders on spending a specific amount of money on fuel every month."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Cashback Benefits<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Many credit cards offer cashback on daily spends and help the cardholder save money."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Lifestyle Benefits<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Cardholders can enjoy various lifestyle benefits on their credit cards, such as offers on dining, shopping, wellness, entertainment, and other benefits."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Travel Benefits<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Travel benefits of these cards include air miles, <a href=\"\/credit-card\/credit-card-lounge-access-india.html\" target=\"_blank\">airport lounge access<\/a>, travel insurance, airline offers, hotel offers, and other benefits."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Airport Lounge Access<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Some cards offer complimentary airport lounge access to cardholders. The offer varies from one bank to another."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Add-on Cards<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Cardholders can <a href=\"\/credit-card\/add-on-credit-cards.html\" target=\"_blank\">apply for add-on cards<\/a> for their immediate family members and share the benefits of their card."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Insurance Coverage<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Some premier cards come with a comprehensive insurance policy that provides coverage against air accidents, life, lost baggage, lost card, outstanding, and other benefits."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Balance Transfer<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Cardholders can transfer the outstanding balance of their existing cards issued by one bank to the credit card account of another bank and pay off the balance at a lower interest rate."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Global Acceptance<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Today, most credit cards that are issued in India are <a href=\"\/credit-card\/best-cc-for-international-travel.html\" target=\"_blank\">international cards<\/a> and are accepted by various merchants all over the world."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>EMI Conversion<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"This feature allows the cardholders to convert their transactions into easy monthly instalments (EMIs)."},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Credit Score<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Owning a credit card helps you build a healthy <a href=\"\/credit-score.html\" target=\"_blank\">credit score<\/a> or a <a href=\"\/cibil\/cibil-credit-score.html\" target=\"_blank\">CIBIL score<\/a>. By making timely payments on your card and in full, you can build your credit history and improve your credit score."},"type":"paragraph"}]}]}]}},{"type":"header","data":{"text":"Different Types of Credit Cards in India","level":2}},{"type":"paragraph","data":{"text":"Credit card issuers in India offer a variety of cards to cater to the varied needs and preferences of the users. Some of the popular <a href=\"\/credit-card\/different-types-of-credit-cards-in-india.html\" target=\"_blank\">types of credit cards<\/a> available include the following:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>Co-branded credit cards<\/strong> - offered by the credit card issuer in partnership with another company and come with a range of benefits.","items":[]},{"content":"<strong>Rewards credit cards<\/strong> - let you <a href=\"\/credit-card-reward-points.html\" target=\"_blank\">earn reward points<\/a> for all your spends, and the ability to earn higher points for certain category of spends.","items":[]},{"content":"<strong>Travel credit cards<\/strong> - offer a variety of travel benefits such as complimentary <a href=\"\/credit-card\/credit-card-lounge-access-india.html\" target=\"_blank\">airport lounge access<\/a>.","items":[]},{"content":"<strong>Cashback credit cards<\/strong> - offer you cashback for all your spends, with certain spends offering the highest cashback.","items":[]},{"content":"<strong>Shopping credit cards<\/strong> - ideal for those who love to shop as they come with discounts and rewards at partner stores.","items":[]},{"content":"<strong>Fuel credit cards<\/strong> - these cards come with cashback or discounts on fuel spends.","items":[]},{"content":"<strong>Premium credit cards<\/strong> - offer exclusive privileges and perks to meet the distinct needs of the cardholders.","items":[]},{"content":"<strong>Lifestyle credit cards<\/strong> - to meet all your lifestyle related needs such as movies, dining, golfing etc.","items":[]},{"content":"<strong>Business credit cards<\/strong> - these cards are tailored to needs of professionals and business owners.","items":[]}]}},{"type":"paragraph","data":{"text":"Choosing the right credit card that aligns with individual spending habits and financial goals can help you reap the maximum benefits of your card."}},{"type":"cta","data":{"linkText":"Apply For Credit Card on BankBazaar","link":"\/credit-card.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CCBUTTON_168665&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CCBUTTON_168665"}},{"type":"header","data":{"text":"Credit Card Eligibility","level":2}},{"type":"paragraph","data":{"text":"To be <a href=\"\/credit-card-eligibility.html\" target=\"_blank\">eligible for a credit card<\/a> in India, you typically need to be at least <strong>18 years old<\/strong> and have a <strong>regular source of income<\/strong>. The income requirement varies depending on the type of card and the issuer. Having a good credit history and a positive credit score can also improve your chances of approval. You must provide identification, address proof, income proof, and other necessary documents when applying. Meeting the eligibility criteria doesn't guarantee approval, as the credit card issuer may consider other factors."}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Eligibility Criteria"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Requirement"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Nationality<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Indian"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Age<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"18 years"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Employment status<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Salaried or Self-employed"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Income<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Differs from one bank to the other"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Credit Score<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Good credit score (700 and above)"},"type":"paragraph"}]}]}]}},{"type":"header","data":{"text":"Documents Required to Apply for a Credit Card","level":2}},{"type":"paragraph","data":{"text":"When applying for a credit card, the documents required may vary depending on the issuer. However, in most cases you will need to submit the following documents:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>Identity proof:<\/strong> such as your Aadhaar card, <a href=\"\/pan-card.html\" target=\"_blank\">PAN card<\/a>, <a href=\"\/driving-licence.html\" target=\"_blank\">Driving licence<\/a>, <a href=\"\/passport.html\" target=\"_blank\">passport<\/a>, or <a href=\"\/voter-id.html\" target=\"_blank\">voter's ID<\/a> to establish your identity.","items":[]},{"content":"<strong>Address proof:<\/strong> such as <a href=\"\/electricity-bill.html\" target=\"_blank\">electricity bill<\/a>, telephone bill, <a href=\"\/aadhar-card.html\" target=\"_blank\">Aadhaar card<\/a>, or other valid proof of your residential address.","items":[]},{"content":"<strong>Annual ITR (if required):<\/strong> If you are self-employed or have other sources of income, you may need to submit your annual Income Tax Returns (ITR) as proof of your financial standing.","items":[]},{"content":"<strong>Latest salary slips:<\/strong> If you are a salaried individual, submitting your recent salary slips can help demonstrate your income and repayment capacity.","items":[]},{"content":"<strong>Duly-filled application form:<\/strong> This form provides your personal information and serves as a formal request for a credit card.","items":[]},{"content":"<strong>Passport-size photographs:<\/strong> Usually, you will need to provide a couple of recent passport-size photos for identification purposes.","items":[]},{"content":"<strong>Bank statement:<\/strong> Providing your bank statement, typically for the last three to six months, helps verify your financial transactions and stability.","items":[]},{"content":"<strong>Form 16:<\/strong> For salaried individuals, a <a href=\"\/tax\/form-16.html\" target=\"_blank\">Form 16<\/a> issued by your employer is proof of your income, taxes paid, and tax deductions.","items":[]}]}},{"type":"cta","data":{"linkText":"Apply For Credit Card on BankBazaar","link":"\/credit-card.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CCBUTTON_168665&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CCBUTTON_168665"}},{"type":"header","data":{"text":"How does a credit card work?","level":2}},{"type":"paragraph","data":{"text":"Given below are the steps that shows how a card works:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"They facilitate online and in-store purchases as well as bill payments.","items":[]},{"content":"When they are used for a transaction, the card details are sent to the merchant's bank for authorization.","items":[]},{"content":"The card issuer then verifies the information and decides whether to approve or decline the transaction.","items":[]},{"content":"If approved, the payment is made to the merchant and the card's available credit is reduced.","items":[]},{"content":"At the end of the billing cycle, the card issuer sends a statement detailing all transactions, previous and new balances, minimum payment due, and due date.","items":[]},{"content":"The grace period is the time between a purchase and the statement's due date, during which no interest accrues if the bill is paid in full.","items":[]},{"content":"Carrying a balance beyond the grace period may result in interest charges, determined by the card's annual percentage rate (APR), which includes interest rate and other fees.","items":[]}]}},{"type":"header","data":{"text":"How to choose the right credit card?","level":2}},{"type":"paragraph","data":{"text":"You can choose a card that best suits your needs, by considering the following factors:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>Your spending pattern:<\/strong> go for a card that helps you maximising your savings, depending on your spending pattern.","items":[]},{"content":"<strong>The reward type:<\/strong> choose a card based on the reward type of your choice such as rewards points, airmiles & cashback rewards.","items":[]},{"content":"<strong>Fees and charges:<\/strong> ensure that the card comes with comparatively lower fees and charges.","items":[]},{"content":"<strong>Offers on the card:<\/strong> opt for a card that come with great offers on shopping, dining, online spends etc.","items":[]},{"content":"<strong>Welcome bonus or gift:<\/strong> go for a card that gives you the best welcome bonus or gift.","items":[]}]}},{"type":"header","data":{"text":"How to Apply for a Credit Card Online","level":2}},{"type":"paragraph","data":{"text":"You can compare & apply for a credit card on <a href=\"\/\" target=\"_blank\">BankBazaar<\/a> by following these four simple steps:"}},{"type":"paragraph","data":{"text":"<strong>Step 1:<\/strong> Provide your employment details, pin code, mobile number, and first and last name with just a few clicks."}},{"type":"paragraph","data":{"text":"<strong>Step 2:<\/strong> Enter the OTP received on your phone and click on 'Submit'."}},{"type":"paragraph","data":{"text":"<strong>Step 3:<\/strong> Based on the profile, the best cards available to you will be displayed on your screen."}},{"type":"paragraph","data":{"text":"<strong>Step 4:<\/strong> Select the card you like, apply for it and enjoy instant approval online."}},{"type":"paragraph","data":{"text":"Alternately, you can also apply for a card online on the bank\u2019s website."}},{"type":"paragraph","data":{"text":"Alternately, you can also apply for a card online on the bank's website."}},{"type":"embed","data":{"mobileWidth":340,"mobileHeight":192,"desktopWidth":720,"desktopHeight":405,"metaProps":{"name":"How To Apply Credit Cards Online | Get Your Dream Credit Card From BankBazaar In 5 Simple Steps","description":"Are you looking to apply for a credit card in India? BankBazaar makes it easy for you to compare and apply for credit cards from leading Indian banks. Here's a step-by-step guide to help you get started: \n\nStep 1: Login & Enter Your Details \n\n- Visit BankBazaar - https:\/\/www.youtube.com\/watch?v=l_k20fvHxak & login \n\n- Click on the \"Cards\" to select \u201CCredit Cards\u201D and fill out the necessary details. Then, we will handpick best suited credit Cards based on your credit profile. \n\nStep 2: Compare & Select from Top Curated Cards \n\n- You can compare and choose from the top cards. \n\n- Click on the card that interests you to learn more about its features, benefits, and eligibility criteria. \n\n- You can filter the cards according to your preferences such lifetime free, travel, etc. \n\nStep 3: Check Your Eligibility\n\n- After selecting a credit card, click on the \"Apply Now\" and enter a few personal details. \n\n- We will then assess your eligibility for the chosen credit card based on the information provided. \n\nStep 4: Application and Instant Approval\n\n - Once your eligibility is checked, provide the required details to complete your application form, including your employment information, address, and financial information. \n\n- Submit the application form, and in most of the cases, you can enjoy instant approval online. \n\nStep 5: Card Delivery \n\n- Once your credit card application is approved, the bank will dispatch the card to your registered communication address. \n\n- Upon delivery, you will need to sign for the card and provide a valid identity proof, such as Aadhar card, passport, or driver's license. \n\nThere you go... see how simple it is to apply for a credit card from BankBazaar....just 5 steps and done! Remember to use your credit card responsibly and make timely payments to maintain a good credit score. #SwipeSmartSaveBetter\n\nVisit this link for more information - https:\/\/bit.ly\/3TpP7t6\n\n#creditcards #creditcardsforbeginners #personalfinance #financialliteracy #creditcardrewards","thumbnailUrl":"https:\/\/i.ytimg.com\/vi\/l_k20fvHxak\/sddefault.jpg","uploadDate":"2023-10-17T06:24:20Z","duration":"PT2M13S","contentUrl":"https:\/\/youtube.com\/watch\/?v=l_k20fvHxak","embedUrl":"https:\/\/www.youtube.com\/embed\/l_k20fvHxak","commentCount":"0","interactionCount":"9043"},"service":"youtube","embed":"https:\/\/www.youtube.com\/embed\/l_k20fvHxak?rel=0"}},{"type":"cta","data":{"linkText":"Apply For Credit Card on BankBazaar","link":"\/credit-card.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CCBUTTON_168665&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CCBUTTON_168665"}},{"type":"jumbotron","data":{"title":"Benefits of Applying for Credit Cards Online on BankBazaar","elements":[{"type":"paragraph","data":{"text":"<a href=\"\/\" target=\"_blank\">BankBazaar<\/a> offers an end-to-end application process, wherein you can browse through most of the credit cards offered by various banks, compare their features and benefits, and apply for the <a href=\"\/credit-card\/top-10-credit-cards-in-india.html\" target=\"_blank\">best credit card<\/a> in just a few clicks."}},{"type":"paragraph","data":{"text":"<strong>Let's look at the perks that we offer for applying for a credit card through us.<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Choose from a range of credit cards that cater to your needs.","items":[]},{"content":"Enjoy A simple and hassle-free application process.","items":[]},{"content":"Avail 24x7 Customer Support.","items":[]}]}}]}},{"type":"header","data":{"text":"What is a Credit Card Number?","level":3}},{"type":"paragraph","data":{"text":"It is the 12 to 16 digit number printed on the front or back of your card. It is used to identify both the credit card issuer and the account holder and is normally 16 digits long and appears in sets of four."}},{"type":"cta","data":{"linkText":"Apply For Credit Card on BankBazaar","link":"\/credit-card.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CCBUTTON_168665&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CCBUTTON_168665"}}],"metaTitle":"Compare & Apply Credit Cards Online for Instant Approval","hideUserReviews":true,"h1TitleDescription":"Credit Card - Apply for a wide range of Credit Cards on BankBazaar starting at 0 annual fees, offering many benefits such as lucrative deals and discounts on Shopping, higher Rewards, Cashback, & Welcome Vouchers.","interLinks":{"asLeftNav":false,"items":[{"title":"Types of Credit Card","items":[{"title":"Best Credit Cards In India","link":"\/credit-card\/top-10-credit-cards-in-india.html","text":"Top 10 Credit Cards in India"},{"title":"Fuel Credit Cards","link":"\/credit-card\/fuel-credit-cards.html","text":"Fuel Credit Cards"},{"title":"Zero Annual Fee Credit Cards","link":"\/credit-card\/credit-cards-without-annual-fee-charges-in-india.html","text":"Lifetime Free Credit Cards"},{"title":"Farmers Credit Card","link":"\/kisan-credit-card.html","text":"Kisan Credit Card"},{"title":"Student Credit Cards in India","link":"\/credit-card\/student-credit-card-in-india.html","text":"Student Credit Cards in India"},{"title":"Online Shopping Credit Cards","link":"\/credit-card\/shopping-credit-cards.html","text":"Shopping Credit Cards"},{"title":"Contactless Credit Cards","link":"\/credit-card\/contactless-cards.html","text":"Contactless Credit Cards"},{"title":"Travel Credit Cards in India","link":"\/credit-card\/travel-credit-cards-in-india.html","text":"Travel Credit Cards"},{"title":"Co-Branded Credit Cards","link":"\/credit-card\/best-co-branded-credit-cards-in-india.html","text":"Co-Branded Credit Cards"},{"title":"Lifestyle Credit 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Credit","link":"\/credit-card\/best-credit-cards-for-poor-credit.html","text":"Best Credit Card for Poor Credit"},{"title":"How to get Credit Card without Job","link":"\/credit-card\/how-to-get-credit-card-without-job.html","text":"How to get Credit Card without Job"},{"title":"Credit Card Insurance Benefits","link":"\/credit-card\/credit-card-insurance-benefits.html","text":"Credit Card Insurance Benefits"},{"title":"How to Apply for Lost Credit Card","link":"\/credit-card\/apply-for-lost-credit-card.html","text":"How to Apply for Lost Credit Card"},{"title":"Reasons for Credit Card Rejection","link":"\/credit-card\/reasons-why-your-credit-card-application-can-be-rejected.html","text":"Reasons for Credit Card Rejection"},{"title":"Advantages & Disadvantages of Credit Card","link":"\/credit-card\/advantage-and-disadvantage-of-credit-card-in-india.html","text":"Advantages & Disadvantages of Credit Card"},{"title":"Difference between Credit Card & Debit Card","link":"\/credit-card\/difference-between-debit-and-credit-card.html","text":"Difference between Credit Card & Debit Card"}]},{"title":"Credit Card Customer Care","items":[{"title":"SBI Credit Card Customer Care","link":"\/sbi-credit-card-customer-care-number.html","text":"SBI Credit Card Customer Care"},{"title":"HDFC Bank Credit Card Customer Care","link":"\/hdfc-bank-credit-card-customer-care-number.html","text":"HDFC Bank Credit Card Customer Care"},{"link":"\/axis-bank-credit-card-customer-care-number.html","title":"Axis Bank Credit Card Customer Care","text":"Axis Bank Credit Card Customer Care"},{"link":"\/federal-bank-credit-card-customer-care-number.html","title":"Federal Bank Credit Card Customer Care","text":"Federal Bank Credit Card Customer Care"},{"link":"\/indusind-bank-credit-card-customer-care-number.html","title":"Indusind Bank Credit Card Customer Care","text":"IndusInd Bank Credit Card Customer Care"},{"link":"\/pnb-credit-card-customer-care-number.html","title":"PNB Credit Card Customer Care","text":"PNB Credit Card Customer Care"},{"link":"\/rbl-bank-credit-card-customer-care-number.html","title":"RBL Bank Credit Card Customer Care","text":"RBL Bank Credit Card Customer Care"},{"link":"\/kotak-credit-card-customer-care-number.html","title":"Kotak Credit Card Customer Care","text":"Kotak Credit Card Customer Care"},{"link":"\/yes-bank-credit-card-customer-care-number.html","title":"Yes Bank Credit Card Customer Care","text":"Yes Bank Credit Card Customer Care"},{"link":"\/standard-chartered-credit-card-customer-care-number.html","title":"Standard Chartered Credit Card Customer Care","text":"Standard Chartered Credit Card Customer Care"},{"link":"\/canara-bank-credit-card-customer-care-number.html","title":"Canara Bank Credit Card Customer Care","text":"Canara Bank Credit Card Customer Care"},{"link":"\/hsbc-credit-card-customer-care-number.html","title":"HSBC Credit Card Customer Care","text":"HSBC Credit Card Customer Care"},{"link":"\/indian-bank-credit-card-customer-care-number.html","title":"Indian Bank Credit Card Customer Care","text":"Indian Bank Credit Card Customer Care"},{"link":"\/bank-of-baroda-credit-card-customer-care-number.html","title":"Bank of Baroda Credit Card Customer Care","text":"Bank of Baroda Credit Card Customer Care"},{"link":"\/bank-of-india-credit-card-customer-care-number.html","title":"Bank of India Credit Card Customer Care","text":"Bank of India Credit Card Customer Care"},{"link":"\/union-bank-of-india-credit-card-customer-care-number.html","title":"Union Bank of India Credit Card Customer Care","text":"Union Bank of India Credit Card Customer Care"}]},{"title":"Credit Card Bill Payment","items":[{"link":"\/credit-card-bill-payment.html","title":"Credit Card Bill Payment","text":"Credit Card Bill Payment"},{"link":"\/sbi-bank-credit-card-bill-payment.html","title":"SBI Credit Card Bill Payment","text":"SBI Credit Card Bill Payment"},{"link":"\/hdfc-bank-credit-card-bill-payment.html","title":"HDFC Credit Card Bill Payment","text":"HDFC Credit Card Bill Payment"},{"link":"\/credit-card\/federal-bank-credit-card-bill-payment.html","title":"Federal Bank Credit Card Bill Payment","text":"Federal Bank Credit Card Bill Payment"},{"link":"\/axis-bank-credit-card-bill-payment.html","title":"Axis Bank Credit Card Bill Payment","text":"Axis Bank Credit Card Bill Payment"},{"link":"\/indusind-bank-credit-card-bill-payment.html","title":"IndusInd Credit Card Bill Payment","text":"IndusInd Credit Card Bill Payment"},{"link":"\/kotak-credit-card-bill-payment.html","title":"Kotak Credit Card Bill Payment","text":"Kotak Credit Card Bill Payment"},{"link":"\/standard-chartered-credit-card-bill-payment.html","title":"Standard Chartered Credit Card Bill Payment","text":"Standard Chartered Credit Card Bill Payment"},{"link":"\/rbl-bank-credit-card-bill-payment.html","title":"RBL Bank Credit Card Bill Payment","text":"RBL Bank Credit Card Bill Payment"},{"link":"\/hsbc-credit-card-bill-payment.html","title":"HSBC Credit Card Bill Payment","text":"HSBC Credit Card Bill Payment"},{"link":"\/pnb-credit-card-bill-payment.html","title":"PNB Credit Card Bill Payment","text":"PNB Credit Card Bill Payment"},{"link":"\/canara-bank-credit-card-bill-payment.html","title":"Canara Bank Credit Card Bill Payment","text":"Canara Bank Credit Card Bill Payment"},{"link":"\/bank-of-baroda-credit-card-bill-payment.html","title":"Bank of Baroda Credit Card Bill Payment","text":"Bank of Baroda Credit Card Bill Payment"},{"link":"\/bank-of-india-credit-card-bill-payment.html","title":"Bank of India Credit Card Bill Payment","text":"Bank of India Credit Card Bill Payment"},{"link":"\/union-bank-of-india-credit-card-bill-payment.html","title":"Union Bank Credit Card Bill Payment","text":"Union Bank Credit Card Bill Payment"}]},{"title":"Credit Card Eligibility","items":[{"link":"\/credit-card-eligibility.html","title":"Credit Card Eligibility","text":"Credit Card Eligibility"},{"link":"\/credit-card\/sbi-cc-eligibility.html","title":"SBI Credit Card Eligibility","text":"SBI Credit Card Eligibility"},{"link":"\/credit-card\/hdfc-cc-eligibility.html","title":"HDFC Credit Card Eligibility","text":"HDFC Credit Card Eligibility"},{"link":"\/credit-card\/federal-bank-cc-eligibility.html","title":"Federal Bank Credit Card Eligibility","text":"Federal Bank Credit Card Eligibility"},{"link":"\/credit-card\/axis-bank-cc-eligibility.html","title":"Axis Bank Credit Card Eligibility","text":"Axis Bank Credit Card Eligibility"},{"link":"\/credit-card\/yes-bank-cc-eligibility.html","title":"Yes Bank Credit Card Eligibility","text":"Yes Bank Credit Card Eligibility"},{"link":"\/credit-card\/indusind-bank-cc-eligibility.html","title":"IndusInd Bank Credit Card Eligibility","text":"IndusInd Bank Credit Card Eligibility"},{"link":"\/credit-card\/hsbc-cc-eligibility.html","title":"HSBC Credit Card Eligibility","text":"HSBC Credit Card Eligibility"},{"link":"\/credit-card\/kotak-bank-cc-eligibility.html","title":"Kotak Credit Card Eligibility","text":"Kotak Credit Card Eligibility"},{"link":"\/credit-card\/canara-bank-cc-eligibility.html","title":"Canara Bank Credit Card Eligibility","text":"Canara Bank Credit Card Eligibility"},{"link":"\/credit-card\/standard-chartered-cc-eligibility.html","title":"Standard Chartered Credit Card Eligibility","text":"Standard Chartered Credit Card Eligibility"},{"link":"\/credit-card\/rbl-bank-cc-eligibility.html","title":"RBL Bank Credit Card Eligibility","text":"RBL Bank Credit Card Eligibility"},{"link":"\/credit-card\/bank-of-baroda-cc-eligibility.html","title":"Bank of Baroda Credit Card Eligibility","text":"Bank of Baroda Credit Card Eligibility"},{"link":"\/credit-card\/union-bank-cc-eligibility.html","title":"Union Bank Credit Card Eligibility","text":"Union Bank Credit Card Eligibility"}]}]},"id":168665,"showUpdatedOn":true,"hideOfferTable":true,"breadCrumb":{"currentPageText":"Credit Card","otherLinks":[]},"faqs":{"items":[{"answer":[{"data":{"text":"A credit cards is a financial tool that enables cardholders to pay for their online and offline purchases on credit. The cardholders usually don\u2019t have to pay any interest on their purchases, if they pay off their credit card bills within the due date."},"type":"paragraph"}],"question":"What is a Credit Card?"},{"answer":[{"data":{"text":"Yes. You can apply for a credit card online on the credit card issuer\u2019s website, or you can conveniently compare multiple cards and apply for one on <a href=\"\/\">BankBazaar<\/a>."},"type":"paragraph"}],"question":"Can I get a credit card online?"},{"answer":[{"data":{"text":"The renewed card usually has the same number as your expired card, but the new <a href=\"\/credit-card\/cvv-number.html\">card's CVV<\/a> (Card Verification Value) number is different."},"type":"paragraph"}],"question":"Does my credit card number change when I renew?"},{"answer":[{"data":{"text":"If you already have a credit history, you can check your eligibility, choose a card that suits your lifestyle needs and apply for it on BankBazaar. If you do not have a credit history, you can opt for a <a href=\"\/credit-card\/secured-credit-card.html\">secure credit card<\/a>, usually offered <a href=\"\/credit-card\/credit-card-against-fixed-deposits.html\">against fixed deposits<\/a>."},"type":"paragraph"}],"question":"How can I get a card for the first time?"},{"answer":[{"data":{"text":"A credit card gives you a line of credit; you can use this to make purchases, cash advances and balance transfers. You will have to pay back the amount by the due date specified by the bank. You have the option to pay the minimum amount, any amount more than that, or the total amount due."},"type":"paragraph"}],"question":"How do credit cards work?"},{"answer":[{"data":{"text":"The credit limit is the maximum amount one can spend on their card. A higher credit limit will allow you to spend more, and can also help improve your <a href=\"\/credit-score.html\">credit score<\/a>."},"type":"paragraph"}],"question":"What is the meaning of a Credit Card Limit?"},{"answer":[{"data":{"text":"You do not have to use your card every month, but you must use it often to avoid the bank labelling it as an inactive card."},"type":"paragraph"}],"question":"Do I need to use my credit card every month?"},{"answer":[{"data":{"text":"A credit score above 750 is ideal for getting a credit card."},"type":"paragraph"}],"question":"What is the minimum credit score for getting a card?"},{"answer":[{"data":{"text":"Even if you do not have a job and have a substantial cash inflow into your account every month, you may be eligible for a credit card."},"type":"paragraph"}],"question":"Can I get a credit card without a job?"},{"answer":[{"data":{"text":"Yes. Due to the online application system, your credit card application could be approved in one day. However, you may not get the physical credit card in one day."},"type":"paragraph"}],"question":"Can I get a credit card in one day?"},{"answer":[{"data":{"text":"Yes. Many credit cards offer complimentary access to domestic and international airport lounges."},"type":"paragraph"}],"question":"Do credit cards come with airport lounge benefits?"},{"answer":[{"data":{"text":"Yes. Most credit cards come with a reward point system that lets you earn points on your credit card spends. You can redeem these points for vouchers, cashback, or air miles."},"type":"paragraph"}],"question":"Are there any benefits of having a credit card?"},{"answer":[{"data":{"text":"The number one should own is not fixed. It depends on your financial ability and your spending behaviour. However, ensure that you smartly manage all the cards and make payments on time."},"type":"paragraph"}],"question":"How many credit cards should I have?"},{"answer":[{"type":"paragraph","data":{"text":"Credit scores above 750 are generally deemed suitable for credit card approvals. Scores below 750 are usually considered poor, and approval may be subject to pledging a collateral as security (collateral such as <a href=\"https:\/\/www.bankbazaar.com\/fixed-deposit-rate.html\" target=\"_blank\">fixed deposits<\/a>)."}}],"question":"Can I get a credit card with a bad credit score?"},{"answer":[{"data":{"text":"The best and easiest way to get a credit card is to apply for it on a platform like <a href=\"\/\">BankBazaar<\/a>. You can compare the features, benefits, fees, interest rates, etc., and choose a card that best suits your needs."},"type":"paragraph"}],"question":"Which is the best and easiest way to apply for a credit card?"},{"answer":[{"data":{"text":"The <a href=\"\/credit-card\/credit-card-minimum-payment-does-not-help.html\">minimum amount due<\/a> is the minimum amount a credit cardholder needs to pay in case they cannot pay the total outstanding. It is typically 5% of the total outstanding amount on the card."},"type":"paragraph"}],"question":"What does 'minimum due' mean on a credit card statement?"},{"answer":[{"data":{"text":"Yes. Banks do charge processing fees for <a href=\"\/loan-on-credit-card.html\">loans against credit cards<\/a>. However, you need to pay a very nominal processing fee."},"type":"paragraph"}],"question":"Do I need to pay a processing fee for a loan against a credit card?"},{"answer":[{"data":{"text":"It depends on your card type. If your credit card is accepted globally, you can use it in other countries, as mentioned by your card issuer. However, a foreign transaction fee may be charged for all purchases abroad."},"type":"paragraph"}],"question":"Can I use my credit card in other countries?"},{"answer":[{"data":{"text":"It depends on various factors - the number of days late, the number of instances, and the amount due. Based on all this, your credit card issuer would decide whether to report the same to the credit agencies."},"type":"paragraph"}],"question":"If I make a late payment on my credit card, will it affect my credit score?"},{"answer":[{"data":{"text":"Different banks will charge different fees. Typically, the charge will range from 2.5% to 3% of your transaction amount. There will be a minimum amount of Rs.250 to Rs.500."},"type":"paragraph"}],"question":"What are the charges for withdrawing cash using my credit card?"},{"answer":[{"data":{"text":"When you lose your credit card, you need to notify the bank immediately, and they will block your account."},"type":"paragraph"}],"question":"What should I do when my credit card is lost?"},{"answer":[{"data":{"text":"Yes, you may be able to get a secured credit card without having a credit score. However, the bank will charge a higher fee. Usually, banks accept a CIBIL score of 700-750 and above to issue a card."},"type":"paragraph"}],"question":"Can I get a credit card without a credit score?"},{"answer":[{"data":{"text":"You can reach a <a href=\"\/credit-card-customer-care-number.html\">bank's credit card customer care<\/a> by calling their customer care number or by sending an email to them. You may also contact them though chat support or WhatsApp support."},"type":"paragraph"}],"question":"How do I reach credit card customer care?"},{"answer":[{"data":{"text":"The credit card issuer will decide the credit limit for your card by looking into a lot of factors, like your repayment history, credit score, monthly income, total debt, etc."},"type":"paragraph"}],"question":"How does the card issuer decide my credit limit?"},{"answer":[{"data":{"text":"Yes, you might be charged a fee of 1% to 4% of the transaction amount for international transactions."},"type":"paragraph"}],"question":"Are there any charges for international purchases made with credit cards?"}],"title":"FAQs on Credit Card"},"h1Title":"Compare & Apply For Credit Cards Online","metaKeyword":"credit card, apply for credit cards","updatedOn":"27 Nov 2024"}; var staticOfferFeaturesJson = []; var personalizedOffersJson = {}; var commodityJSON = {}; var footerJson = {"learnMore":[{"label":"Credit 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