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    You can use a credit card to buy anything from jewelry to groceries. Having a credit card means that you do not need to hold cash to make purchases. It is a more convenient method of payment. Credit card companies provide credit cards to individuals who have consistent income and credit score. Others can get a secured credit card against their Fixed Deposit. Every credit cardholder is allocated a credit limit based on their income. You can spend up to the credit limit and repay it on or before the due date.

    In most cases, the credit limit will be equal to 3 to 5 times of your net monthly salary. However, this varies from different banks. Though a credit card is provided by popular banks, the payment gateway is facilitated by Visa, MasterCard and RuPay.

    However, these payment facilitators cannot fix other terms and conditions on the card. Features such as interest rate, minimum due amount, reward points, etc. A credit card does not mean that you have more money, it only means that it gives you more time to pay for your purchases. Using a credit card means that you change the way you pay for your purchases.

    Every time you make a purchase on your credit card, you are in effect borrowing that money from the credit card issuer until you pay it back at the end of the month. Credit cards designed by credit card companies do not carry the same features across all cards. Each come with their distinct features and benefits. They are created with respect to the needs of the individuals and spending habits. For example, for a person who spends more on entertainment activities such as movies, clubs, etc.

    In general, based on different spending habits, we can classify the credit cards into the following categories. Targeted at customers who spend more of their money for purchases such as clothes, jewels, groceries, gadgets, etc. There are also special credit cards designed for online shopping which offer special rebates on certain e-commerce portals. This type of credit card is best suited for housewives who have to manage all their grocery and other retail shopping. Individuals who travel frequently may have to book flight tickets, hotel booking and need cash for international spends.

    Travel credit cards enable cardholders to do all of that and pay for them later. Complimentary lounge access at the airports and great amount of reward points are the perks of having a travel credit card. Lifestyle credit cards are generally premium credit cards that are best suited for elite population who often indulge in dining out, make higher purchases, etc. These credit cards come with greater number of discounts, higher reward points and free concierge services.

    As the benefits are greater, the annual fee is also higher when compared to other credit cards. Reward points is one of the attractive features that credit cards offer and has become all the more reason to use a credit card for so many people. Understanding customer needs, most of the credit card companies have introduced credit cards that help you earn more reward points which can be redeemed against various gift items.

    Much similar to reward points credit card , Cashback cards help you save on all your purchases. You can get a certain percentage of cashback on various spends such as dining, ticket booking, hotel booking, etc. Moreover, you can also use the cashback points to cut down your monthly credit card bill payment. Commuting to office from home is unavoidable, and you will certainly be shelling out a sum for fuel expenses.

    Considering its importance, most of the credit card companies have created fuel credit cards that help you save more on fuel expenses. Besides, there are also other benefits available on this card. Working women in the country are on the rise. Realising the importance of providing financial freedom to women, some of the credit card companies have come up with exclusive credit cards for women. Women who love shopping can make use of this credit card to obtain offers and discounts.

    Every business entity will have to spend a huge amount of money for business operation. Making all business purchases such as machinery, inventory, etc. Moreover, a business credit card helps keep track of all the expenses. An individual must have good income and credit score in certain cases to get approved for a credit card. For someone who does not have both can get easy approval on a secured credit card if you have a Fixed Deposit.

    There are credit cards specially designed for students who pursue their higher studies. Students can use this card to purchase laptop, gadgets, stationary items, etc. Following are some of the important features of credit cards that everyone must know before applying for it. As we already know that each credit card can be classified into any one of the above categories. The credit card you wish to apply must fall into any one of them.

    Understand your needs and spending habits to choose the credit card that is right for you. This can help the cardholder to get more reward points, cashbacks and discounts which can save money ultimately.

    Every credit card comes with a credit limit which is the maximum amount allocated on your card. The user can spend up to the credit limit per month. When you feel that the credit limit is not enough, you may contact the credit card issuer to request for an increase in the credit limit. The approval for increase in the credit limit depends on your income and past repayment. Maxing out your credit card limit can affect your credit score.

    Known as grace period or interest free period is one of the main advantages of using a credit card. It allows you to make purchases with the pre-approved money and pay for them later without interest until a certain period.

    In general, the maximum grace period is usually up to 50 days. Also, read the fine print of grace period as there may be some tricky terms and conditions.

    It is the interest rate applied on a credit card balance beyond the grace period. If you have paid only minimum due amount on your outstanding amount, you will carry a balance which might attract interest rate after interest free period. The APR varies among each credit card company. Though there are lifetime free credit cards which do not charge you any money on the usage, those are only a handful and come with fewer benefits.

    Most credit card companies charge joining fee and annual fee on their credit cards. These fees may vary depending on the type of credit card and their benefits. Apart from the joining fee and annual fees, you will need to pay a fee for late payment, processing fees in case you do a balance transfer, fee for cash withdrawal from ATMs, etc. When you are debt-ridden and unable to pay off the credit card bill on time, you can opt for balance transfer option which enables you to transfer your outstanding balance to another card at no or lower interest rate for a particular period of time.

    This enables you to pay off the debt with additional grace period. Most credit card companies provide this option to lure customers and increase their customer base. Most credit card companies let you withdraw a certain percentage of cash out of your credit card limit from ATMs.

    However, this does not come for free. You need to pay a fee of a certain percentage of the amount withdrawn. Cash withdrawal does not fall under interest free period and it is applicable from the day the amount is withdrawn. Most people buy credit cards when they begin their career or when they take of financial responsibility of the family. They find these cards resourceful especially when they need cash for purchasing some essential for the family or for some medical emergency.

    It provides you the ease of convenience wherein a personal loan will take at least minimum of 2 to 3 days to get instant cash. Following are some of the most common benefits of using a credit card. Ease of Convenience : With all lines of businesses becoming digitized, carrying cash is no more a necessary part in our everyday life. Moreover, carrying credit card is much safer than carrying cash. As the card is password protected, there is less chance of being misused.

    You can just swipe your card to make all the purchases. A credit card allows you to make all kinds of transactions with ease and pay for them later without any interest subject to the terms and conditions.

    Best Companion During Financial Emergencies : Emergencies are unavoidable and running short of cash at such instances is so common and one needs a helping hand to bail out. Credit card can be your saviour at such circumstances. You can use your card to make payments and pay for them later.

    Most credit card companies, in a bid to attract more customers, provide a lot of welcome benefits to the credit card holders. It includes e-gift voucher, huge reward points, gift voucher, etc. Using credit cards for all your transactions can indeed save some money for you. With the intention to bring a lot of customers under their fold, credit card companies have introduced reward points, cashback, discounts and offers on various purchases.

    Reward points are provided for each transaction which can be accumulated and redeemed against various gift items. Some credit card issuers allow you to convert your credit card reward points to cash which can be used to cut down your monthly bill. Cashback is the buzzword in the e-commerce industry. Credit card companies partnering with certain e-commerce companies provide cashback on various purchases.

    This can be obtained only if you have a credit card. This can save a lot of money as you pay less than the normal price. Discounts on dining, shopping, hotels, movies, flights, etc.

    You need to identify the channels through which you can get these discounts. This is one of the perks of using a credit card. You can get complimentary access to airport lounges wherein you can relax and enjoy unlimited free food and beverages. However, this is not applicable to all the cards. You need to check if your credit card provider offers this facility for your card. There may be a certain limit on complimentary access to the lounges. You can use all the facilities available at the lounge for free using your credit card.

    Certain credit card companies allow add-on cardholder to enjoy the same benefits. To get the complimentary access, you need to get the Priority Pass Membership from the credit card issuer.

    You need to apply online for the Priority Pass Membership by giving your personal and card detais. Credit cards that are exclusively designed for travel purposes and other premium cards provide free travel insurance which can provide a cover against air accidents, baggage theft or loss at foreign countries, overseas emergency hospitalisation, etc.

    These benefits are not available on all cards. Hence check with your credit card company if they provide such benefits on your card. When you travel abroad or stay at a hotel, you can customize your travel and entertainment activities. Making airline reservations, booking hotels, etc. However, this service or assistance may be charged along with monthly bill as per the rates. Credit score is an important criterion when you apply for a loan.

    This helps you get better terms on a loan. Using a credit card helps build a good credit score on consistent repayment. A loan may have a pre-determined tenure and you will have credit history only for that particular period. But when you use a credit card, you have a long credit history and your credit score soars high with a positive track record of repayment.

    Most premium credit cards offer complimentary golf rounds at golf courses around the world. You can get a complimentary training session, entry fee, green fees, etc. Rest of the fees have to be borne by the cardholder.

    People who wish to purchase accessories, gadgets, appliances and various other household items can buy them using a credit card and pay for them in EMIs without any interest rate. Many find this a lucrative option to purchase their most favourite and essential items online. No Cost EMI is provided to only credit cards that have tie-up with the e-commerce website. Add-on card member can make use of the credit limit of the primary cardholder and make purchases.

    Most of the credit card companies issue lifetime free credit cards which can be availed at free of cost, and there is no annual fee charged on the card. It makes the user to make use of the card without having to pay anything for it. When you fill fuel for your vehicle using a credit card, you may enjoy discounts on fuel surcharge. There are also exclusive credit cards fuel purchases which can save you a lot of moneyif you are in the transport business or use vehicle often.

    Once a month, your credit card bill gets generated which lists out all the transactions done by you. You can go through to keep a track on your monthly spends and plan your budget accordingly. Apart from the above benefits, the cardholder can get the annual fee waived off on reaching the spend of certain amount set by the credit card company.

    Some offer additional reward points on spending a certain amount per annum. If you pay your credit card bills on time and in full on a monthly basis, you do not need to pay any interest on the money spent on your purchases.

    The credit card company allows you to use their money that month 'for free' if you repay them in time at the end of the monthly billing cycle. However, if you make only a partial payment, the issuer will charge interest on the remaining outstanding amount - or balance - that will be carried over to the next month's bill.

    For instance, if you make purchases worth Rs. However, if you pay only say, Rs. Some credit card companies may charge interest for the total Rs.

    You need to read the fine print of minimum due payment and interest charges carefully before getting your credit card. Some people do not pay their bill every month and make a full payment at the end of a few months, thinking it will not affect their credit score. This is not true. Every delayed or partial payment affects your credit score and makes it difficult to qualify for loans or new credit cards.

    Suppose you had a medical emergency in the family and had unexpected hospital expenses. Faced with a temporary shortage of funds, you might think it is alright to make late payments for a few months until you can make a full payment again.

    You might be confident that your previous good track record will excuse a few delayed payments. This is not a correct assumption. Making a late or partial payment is probably the worst thing you could do for your credit score. Credit rating agencies record every late or partial payment in your credit report and any such marking has a substantial negative impact on your score. It is therefore important to make sure that you try and pay off your monthly credit card bills in full and on time to avoid doing any long-term damage to your credit health.

    Payment due date is the date that your monthly payment is due. Any delay in payment beyond this date can cause the company to charge a late fee, report a late payment to the credit bureau, or even consider the account as delinquent. It is, therefore, important to ensure that you make your payment before the payment due date. There are several online tools that can send you reminders to make your payments on time. In case you are unable to make full payment on time, you can pay the minimum due to avoid any penalty for late payment.

    The minimum payment due is the smallest amount you can pay before your payment due date and still keep to the legal terms of your card agreement. It is vital to make at least this minimum payment, or there is a chance that the credit card company can consider it a delinquent account, which has serious consequences for your credit history.

    The balance on the credit card will be carried forward to next month with interest. For example, you have made purchases for Rs. You will now have a minimum due of Rs. Though minimum amount due can provide you temporary relief, it is not recommended to pay minimum due amount every month. The outstanding gets carried forward each month with interest and becomes a debt burden over time.

    There are two types of cards that are popular among the people. They are credit and debit cards. While credit card allows you to spend pre-approved money and pay later, a debit card allows you to spend your own money available in your savings or current account. Following are some of the common differences between a credit card and a debit card.

    A secured credit card works just like a credit card except that you need to have a fixed deposit in order to get it. The bank uses as collateral in case you default on your payment. A secured credit card is typically used by people who cannot qualify for a regular unsecured credit card either because they have bad credit or because they do not have a sufficient credit history.

    Since a secured card requires collateral in the form of a fixed deposit with the bank, even people with bad or no credit can get a card as the bank is safeguarded against default. It is a simple and quick way to improve your credit score and build your credit history, provided you make all your payments on time. People with bad credit can make use of secured credit card to improve their credit score.

    On clearing past negative issues, the credit score remains intact and does not reduce. However, to improve your credit score, you need a credit line active. Doctors SuperCard. A SuperCard which covers Doctors professionally.

    Classic Platinum Card. World Prime SuperCard. Plan your spends and enjoy best in class rewards, benefits and privileges. World Plus SuperCard. Platinum Choice SuperCard. Platinum Plus SuperCard. Plan your rewards and enjoy benefits on shopping, dining and entertainment.

    Platinum Edge SuperCard. Step into a world of delightful experiences with your Platinum Edge SuperCard. Platinum Prime SuperCard. Platinum Max SuperCard. Shop, travel, enjoy and repeat, as your Platinum Max SuperCard gives you many reasons to do so. Platinum Classic SuperCard.

    World Max SuperCard. Indulge in joy with all your spends and get rewarded like never before. Leave us a review. Like Comment. Really amazed by the service these guys are providing. One thing i loved the most about this card is tap the money whenever and whereever required within seconds and the detailing in the monthly statements. The RBL Card is the best card among all cards and the best is queries are solved in time and no confusion.

    I was attended to by a very polite, helpful and efficient credit card customer services executive. My problem was solved in no time at all. However, due to a distraction at work, I pressed an unsatisfactory icon.

    I confirm that the person deserves full marks for efficieny and help. Please ignore the earlier review. I appreciate RBL app for credit card, user friendly, fast and very good options. Thanks for the development team for such a creative thoughts that customers required. Very user friendly portal even a person not aware of the portal contents can easily find their subject.

    Credit card details are just available in buffet kind of thing just pick up of your choice. No need to search anywhere. Excellent information available on portal. Complements to Web manager So I got the movie and more credit card a month back and now whenever my friends go and watch a movie, i book the tickets all the time as i get two free movie tickets every month. They dont know about the free tickets so they end up paying me the full amount, which i use to buy popcorn and cold drinks.

    I have been using RBL Banks credit card to get their food offers and they are really cheap on the pockets. Had a very good experience and continue using the cards. It will be nice if you get more offers. Looking forward. I own this Movie n More credit card.

    Have been using past 2 years and enjoying the monthly free ticket offer. Cheers Bhavesh Mehta. BankAmericard ® credit card. BankAmericard ® Great intro offer to save on interest. Bank of America ® Travel Rewards credit card. Bank of America ® Premium Rewards ® credit card. Introductory APR None. Susan G. Apply now for Susan G. Pride ®. Apply now for U. Pride ® credit card Learn more about U. We're sorry, this page is temporarily unavailable. We apologize for the inconvenience.

    Visit our homepage. Visit credit card homepage. One or more of the cards you chose to compare are not serviced in English. Close layer ×. You can only compare up to 4 cards. Please remove a card before adding another. You can only compare up to 3 cards. You can only compare up to 2 cards. Compare the benefits of our most popular cards.

    Compare cards. Customized offers fast and easy Tell us who you are and what you like, to see what offers are available to you. Check for your offers Check for offers. Looking for information about your account? Application Links Complete your saved application Check application status Respond to mail offer View sample credit card agreements. Understanding credit is key to your financial health Selecting a credit card Choosing a credit card can be overwhelming.

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    Credit card apply online

    Online Payment Options : Every credit card issuer lets you pay the bills online. You can visit their online portal and pay the bill by entering your card details and amount to be paid. You can just add the payee details and transfer funds from your account to the credit card company. If your bill payment is huge, you can choose the option of RTGS which allows you transfer more amount. This mode is best to ensure that your credit card bill payment is made on the same day.

    You can set up an ECS mandate wherein you can ask your credit card company to present an ECS payment request to your bank.

    Mobile Applications : Banks and credit card companies have come up with their own mobile application which lets you pay off the monthly bill. Apart from that, there are certain mobile applications that let you pay your credit card bills and offer discounts at partnered outlets and companies. You can just download the app and pay your credit card bill using your bank account. Cheque Payment : This is another easiest way to pay your credit card bill.

    Just enter your card number and payee name on the cheque and put in the drop box in the bank. It usually takes 2 to 3 days to process the cheque and make the payment to be done. Cash Payment : This is the best option when you are unfamiliar with the above options or unable to do so.

    You can just walk into the branch of credit card issuer and pay in cash by filling up a form that includes payee details and card number. You can apply online at the official website of the credit card issuer or at the third-party financial websites. You can also get quick approval on credit cards from the bank where you maintain a salary or savings account. Each bank has different income limit to provide a credit card. In general, most companies have minimum limit of Rs.

    Yes, you can! There are few credit cards specially designed for the purpose of score building. You can also become eligible for a credit card with a steady source of income. Minimum amount due is a certain percentage of your outstanding balance. Lenders allow you to pay minimum due amount so that you can avoid a late payment fee.

    The rest of the balance will be carried to next month bill statement. However, the balance will carry an interest rate as prescribed by the bank. An individual can have as many credit cards possible. There are no restrictions. But you need to ensure that payment is done on time and preferably in full to avoid paying interest rate.

    What can I do if there is an unauthorised transaction done using my credit card? It should be reported within 3 days of the fraudulent transaction. The bank check variety of factors to determine your credit card limit. It includes income, credit score, debts, limits on other cards, etc. However, this may vary for different individuals based on their credit profile. Yes, you can increase the credit limit by contacting the credit card issuer. Based on your past repayment record and income, your credit limit will be revised.

    Yes, but it depends on the type of credit card you use. Some cards can be used worldwide without any restrictions. Such cards may carry higher annual fee but come with greater reward points and benefits. Most credit card companies allow up to 3 add-on cards for your spouse and children.

    The add-on card holder must by your immediate relatives. You can redeem your reward points by visiting the official website of the card issuer. You can either redeem the points for gift items that is available on your card or convert it to cash if the card issuer provides that facility.

    The value on the reward points may vary from bank to bank. In general, 4 reward points are equal to Rs. However, some banks may consider 2 reward points equal to Rs. It depends on the type of credit card and the benefits attached to it. Initially, you can check if the product you purchase has the EMI facility. If so, you can avail by choosing the EMI option. You can also contact the card issuer through customer support team, SMS, mobile banking, etc. The banks usually allow any purchase made above Rs.

    What are the charges for withdrawing cash using my credit card? For example, if you have withdrawn Rs. The cash withdrawal using credit card does not come under interest free period. Customers paying rents via the MagicBricks portal using their credit Customers paying rents via the MagicBricks portal using their credit card will enjoy several perks like rewards and exclusive offers.

    To pay the rent, the tenant has to enter the details of the landlord like UPI or bank details. On successful rent payment, the tenant will be issued a digital rent receipt. One interesting feature of these cards is that there are no cash withdrawa One interesting feature of these cards is that there are no cash withdrawal fees, provided the cardholder repays the borrowed amount on time.

    The covid pandemic has played a huge role in helping Indians shift to digital transactions. The data for The data for September shows that the monthly credit card transaction value has more than doubled to Rs.

    It is to be noted that debit card usage has also increased significantly during this period. Contactless payments, rewards and safety are some of the main reasons for the spike in credit card payments.

    Check your eligibility and choose the right credit card for your needs at CreditMantri. In an attempt to boost digital transactions, the RBI has stated that customers can now pay up to Rs. Earlier the limit for cardless transactions was fixed at Rs. This increase in This move also helps in promoting contactless payments, especially during this Covid era. Razorpay, one of the leading financial solutions provider in India, has launched RazorpayX Corporate Cards in partnership with Visa.

    These cards aim to provide financial relief to SMEs and startups that have been adversely impacted by the current eco These cards aim to provide financial relief to SMEs and startups that have been adversely impacted by the current economic situation. These cards will offer higher credit limits compared to regular personal credit cards. They also offer other benefits like interest free credit of up to 45 days, credits up to Rs. CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website.

    Credit Score powered by ®. Click here for more details All written queries will be responded within 1 working day. We'd love to help you through every step along the way. Citi Rewards Card. Annual Fee NA. Reward Type Rewards. Pay with your Reward Points when you shop at over outlets and e-shopping sites. No Joining Fees. No fee shall be charged if Rs. Pricing No fee shall be charged if Rs.

    Citibank Premier Miles Card. Reward Type Travel. Features Earn 10 Miles for every Rs spent on all airline transactions. Redeem the Miles across over a domestic and international airlines. The PremierMiles Card comes at an annual card fee of Rs Pricing Annual Card Fee - Rs. Citibank Cashback Card. Reward Type Cashback. This card is enabled for contactless payments. IndianOil Citi Platinum Card.

    Features Now save more on fuel at IOC outlets. Zero Annual Fee on spend of Rs. Pricing Zero Annual Fee on spend of Rs. Pricing 1st year fee: Rs. Yes Prosperity Edge Credit Card.

    Annual Fee ? Joining Fee ? Features Annual Bonus of 15, Reward Points on spends of? Pricing Interest Rate: 3. Yes First Preferred Credit Card. Features Annual Bonus of 20, Reward Points on spends of? Features Benefits worth over? Reward Type LifeStyle.

    Features Welcome e-gift voucher worth Rs. Reward Type Shopping. Card anniversary gift of 2, reward points every year Upto 15, bonus reward points on annual spends of Rs. Features bonus reward points on spends of Rs. Reward Type Entertainment. Joining Fee? Value back Fuel: 2. Fuel surcharge waiver of up to Rs.

    Yes First Business Credit Card. Yes Prosperity Business Credit Card. Features Annual Bonus of 10, Reward Points on spends of? Annual Fee Joining Fee Unlock an annual Zomato Gold Membership on spending Rs. We couldn't find any offer matching this category. Overview There are varied opinions on the usage of credit cards. What is a Credit Card? How do credit cards work?

    Types of Credit Cards Credit cards designed by credit card companies do not carry the same features across all cards. Shopping Credit Card : Targeted at customers who spend more of their money for purchases such as clothes, jewels, groceries, gadgets, etc. Travel Credit Card : Individuals who travel frequently may have to book flight tickets, hotel booking and need cash for international spends. Lifestyle Credit Card : Lifestyle credit cards are generally premium credit cards that are best suited for elite population who often indulge in dining out, make higher purchases, etc.

    Reward Points Credit Card : Reward points is one of the attractive features that credit cards offer and has become all the more reason to use a credit card for so many people. Cashback Credit Card : Much similar to reward points credit card , Cashback cards help you save on all your purchases.

    Fuel Credit Card : Commuting to office from home is unavoidable, and you will certainly be shelling out a sum for fuel expenses. Women Credit Card : Working women in the country are on the rise.

    Business Credit Card : Every business entity will have to spend a huge amount of money for business operation. Secured Credit Card : An individual must have good income and credit score in certain cases to get approved for a credit card.

    Student Credit Cards : There are credit cards specially designed for students who pursue their higher studies. Features of Credit Cards Following are some of the important features of credit cards that everyone must know before applying for it. Credit Card Type : As we already know that each credit card can be classified into any one of the above categories. Credit Limit : Every credit card comes with a credit limit which is the maximum amount allocated on your card.

    Interest Free Period : Known as grace period or interest free period is one of the main advantages of using a credit card.

    Credit Card Fees : Though there are lifetime free credit cards which do not charge you any money on the usage, those are only a handful and come with fewer benefits. Balance Transfer : When you are debt-ridden and unable to pay off the credit card bill on time, you can opt for balance transfer option which enables you to transfer your outstanding balance to another card at no or lower interest rate for a particular period of time.

    Cash Withdrawal : Most credit card companies let you withdraw a certain percentage of cash out of your credit card limit from ATMs. Benefits of Credit Cards Most people buy credit cards when they begin their career or when they take of financial responsibility of the family. Welcome Gift : Most credit card companies, in a bid to attract more customers, provide a lot of welcome benefits to the credit card holders.

    Money Saver; Reward Points, Cashback and Discounts : Using credit cards for all your transactions can indeed save some money for you. Complimentary Airport Lounge Access : This is one of the perks of using a credit card. Free Travel Insurance : Credit cards that are exclusively designed for travel purposes and other premium cards provide free travel insurance which can provide a cover against air accidents, baggage theft or loss at foreign countries, overseas emergency hospitalisation, etc.

    Concierge Services : When you travel abroad or stay at a hotel, you can customize your travel and entertainment activities. Credit Score Builder : Credit score is an important criterion when you apply for a loan. Golf Program : Most premium credit cards offer complimentary golf rounds at golf courses around the world. No Cost EMI : People who wish to purchase accessories, gadgets, appliances and various other household items can buy them using a credit card and pay for them in EMIs without any interest rate.

    Lifetime Free Credit Cards : Most of the credit card companies issue lifetime free credit cards which can be availed at free of cost, and there is no annual fee charged on the card. Fuel Surcharge Waiver : When you fill fuel for your vehicle using a credit card, you may enjoy discounts on fuel surcharge.

    Keep Track of Your Expenses : Once a month, your credit card bill gets generated which lists out all the transactions done by you. Interest Rate on A Credit Card If you pay your credit card bills on time and in full on a monthly basis, you do not need to pay any interest on the money spent on your purchases. Credit Card Debit Card A credit card is a line of credit. Debit card is directly linked with your savings or current account.

    You have a credit limit only up to which you are allowed to spend on purchases. It allows you to spend as per the amount available on your savings or current account.

    Cash withdrawal from ATM is allowed subject to a certain percentage of the credit limit. Moreover, cash withdrawal will incur a fee of a certain percentage of the amount withdrawn.

    Free cash withdrawal from ATM is allowed up to a certain limit. You get a monthly bill statement. There is no monthly bill, but you can get a statement of your past transactions. Interest rates are applicable if you fail to pay the credit card bill in full. There is no interest charged. Fees include joining fees, annual fees, late payment fees, bounced cheque fees, processing fees on balance transfer etc.

    Fees on the card varies from bank to bank. There may be annual fee and PIN regeneration fee if applicable. There are reward points, cashback, discounts and offers on various purchases. There are no such options. However, few banks have now introduced reward points on certain debit cards. Loans can be availed against the credit limit. Note that we cannot reply to questions asked via this form.

    Please contact us directly if you have any account or service related issues. By submitting your feedback, you agree Bank of America, its affiliates and any authorized parties may use, commercialize or reproduce the feedback without restriction or any compensation to you.

    Your responses will help us improve the Bank of America digital experience for all our customers. Pride ® credit card.

    Continue in English Go back to Spanish. Tell us who you are and what you like, to see what offers are available to you. Already a Bank of America customer? Check for your offers. Check for offers. Plus, as a Preferred Rewards member, you enjoy real benefits and rewards on your everyday Bank of America ® banking and Merrill investment accounts.

    And as your qualifying balances grow, so do your benefits. Learn more about Preferred Rewards. Activate your card, enroll in online banking, pay your bill, check your account, and more. Manage your account. Choosing a credit card can be overwhelming.

    Get the most out of your credit card. Find out how you can take advantage of all the opportunities that may be available to you as a cardholder.

    Better credit habits can lead to a better credit score. You are using an unsupported browser version. Learn more or update your browser. Credit Cards. Info Layer Title. What was your primary reason for visiting this website today? Please select all that apply Apply for a Bank of America® credit card.

    Research Bank of America® credit cards. Service my existing credit card account. Other reason please specify. Step into a world of delightful experiences with your Platinum Edge SuperCard. Platinum Prime SuperCard. Platinum Max SuperCard. Shop, travel, enjoy and repeat, as your Platinum Max SuperCard gives you many reasons to do so. Platinum Classic SuperCard. World Max SuperCard. Indulge in joy with all your spends and get rewarded like never before.

    Leave us a review. Like Comment. Really amazed by the service these guys are providing. One thing i loved the most about this card is tap the money whenever and whereever required within seconds and the detailing in the monthly statements. The RBL Card is the best card among all cards and the best is queries are solved in time and no confusion. I was attended to by a very polite, helpful and efficient credit card customer services executive. My problem was solved in no time at all.

    However, due to a distraction at work, I pressed an unsatisfactory icon. I confirm that the person deserves full marks for efficieny and help.

    Please ignore the earlier review. I appreciate RBL app for credit card, user friendly, fast and very good options. Thanks for the development team for such a creative thoughts that customers required. Very user friendly portal even a person not aware of the portal contents can easily find their subject.

    Credit card details are just available in buffet kind of thing just pick up of your choice. No need to search anywhere.

    Excellent information available on portal. Complements to Web manager So I got the movie and more credit card a month back and now whenever my friends go and watch a movie, i book the tickets all the time as i get two free movie tickets every month. They dont know about the free tickets so they end up paying me the full amount, which i use to buy popcorn and cold drinks.

    I have been using RBL Banks credit card to get their food offers and they are really cheap on the pockets. Had a very good experience and continue using the cards. It will be nice if you get more offers.

    Looking forward. I own this Movie n More credit card. Have been using past 2 years and enjoying the monthly free ticket offer. Cheers Bhavesh Mehta. Good offers firestick but 1 Lakh target never done without limit Monthly 2 times movie offer awesom Please increase limit fast. So we will give best feedback on offers. Learn More: 7 ways to save money on movie tickets. How to build your credit score while swiping your Credit Card.

    Have a Credit Card? How to redeem Credit Card reward points. How to reset your PIN online. The rise of Credit Cards in India.

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    It makes apply user to make use credit the card without having to pay anything online it. Non-Resident Indians are card eligible for certain credit cards. However, online may apply for different individuals based on their credit profile. Most credit card companies allow up to 3 add-on cards for your spouse and credit. Platinum Plus SuperCard. Understanding this, many credit card companies have designed exclusive card cards to individuals under various categories.

    Credit Cards

    Credit card apply online

    The APR varies among each credit card company. Though there are lifetime free credit cards which do not charge you any money on the usage, those are only a handful and come with fewer benefits. Most credit card companies charge joining fee and annual fee on their credit cards.

    These fees may vary depending on the type of credit card and their benefits. Apart from the joining fee and annual fees, you will need to pay a fee for late payment, processing fees in case you do a balance transfer, fee for cash withdrawal from ATMs, etc.

    When you are debt-ridden and unable to pay off the credit card bill on time, you can opt for balance transfer option which enables you to transfer your outstanding balance to another card at no or lower interest rate for a particular period of time. This enables you to pay off the debt with additional grace period.

    Most credit card companies provide this option to lure customers and increase their customer base. Most credit card companies let you withdraw a certain percentage of cash out of your credit card limit from ATMs. However, this does not come for free. You need to pay a fee of a certain percentage of the amount withdrawn. Cash withdrawal does not fall under interest free period and it is applicable from the day the amount is withdrawn. Most people buy credit cards when they begin their career or when they take of financial responsibility of the family.

    They find these cards resourceful especially when they need cash for purchasing some essential for the family or for some medical emergency.

    It provides you the ease of convenience wherein a personal loan will take at least minimum of 2 to 3 days to get instant cash. Following are some of the most common benefits of using a credit card. Ease of Convenience : With all lines of businesses becoming digitized, carrying cash is no more a necessary part in our everyday life. Moreover, carrying credit card is much safer than carrying cash.

    As the card is password protected, there is less chance of being misused. You can just swipe your card to make all the purchases. A credit card allows you to make all kinds of transactions with ease and pay for them later without any interest subject to the terms and conditions.

    Best Companion During Financial Emergencies : Emergencies are unavoidable and running short of cash at such instances is so common and one needs a helping hand to bail out. Credit card can be your saviour at such circumstances. You can use your card to make payments and pay for them later. Most credit card companies, in a bid to attract more customers, provide a lot of welcome benefits to the credit card holders.

    It includes e-gift voucher, huge reward points, gift voucher, etc. Using credit cards for all your transactions can indeed save some money for you. With the intention to bring a lot of customers under their fold, credit card companies have introduced reward points, cashback, discounts and offers on various purchases. Reward points are provided for each transaction which can be accumulated and redeemed against various gift items.

    Some credit card issuers allow you to convert your credit card reward points to cash which can be used to cut down your monthly bill. Cashback is the buzzword in the e-commerce industry. Credit card companies partnering with certain e-commerce companies provide cashback on various purchases. This can be obtained only if you have a credit card. This can save a lot of money as you pay less than the normal price.

    Discounts on dining, shopping, hotels, movies, flights, etc. You need to identify the channels through which you can get these discounts. This is one of the perks of using a credit card. You can get complimentary access to airport lounges wherein you can relax and enjoy unlimited free food and beverages. However, this is not applicable to all the cards. You need to check if your credit card provider offers this facility for your card.

    There may be a certain limit on complimentary access to the lounges. You can use all the facilities available at the lounge for free using your credit card. Certain credit card companies allow add-on cardholder to enjoy the same benefits.

    To get the complimentary access, you need to get the Priority Pass Membership from the credit card issuer. You need to apply online for the Priority Pass Membership by giving your personal and card detais. Credit cards that are exclusively designed for travel purposes and other premium cards provide free travel insurance which can provide a cover against air accidents, baggage theft or loss at foreign countries, overseas emergency hospitalisation, etc.

    These benefits are not available on all cards. Hence check with your credit card company if they provide such benefits on your card. When you travel abroad or stay at a hotel, you can customize your travel and entertainment activities. Making airline reservations, booking hotels, etc.

    However, this service or assistance may be charged along with monthly bill as per the rates. Credit score is an important criterion when you apply for a loan. This helps you get better terms on a loan.

    Using a credit card helps build a good credit score on consistent repayment. A loan may have a pre-determined tenure and you will have credit history only for that particular period.

    But when you use a credit card, you have a long credit history and your credit score soars high with a positive track record of repayment. Most premium credit cards offer complimentary golf rounds at golf courses around the world. You can get a complimentary training session, entry fee, green fees, etc. Rest of the fees have to be borne by the cardholder.

    People who wish to purchase accessories, gadgets, appliances and various other household items can buy them using a credit card and pay for them in EMIs without any interest rate.

    Many find this a lucrative option to purchase their most favourite and essential items online. No Cost EMI is provided to only credit cards that have tie-up with the e-commerce website.

    Add-on card member can make use of the credit limit of the primary cardholder and make purchases. Most of the credit card companies issue lifetime free credit cards which can be availed at free of cost, and there is no annual fee charged on the card. It makes the user to make use of the card without having to pay anything for it.

    When you fill fuel for your vehicle using a credit card, you may enjoy discounts on fuel surcharge. There are also exclusive credit cards fuel purchases which can save you a lot of moneyif you are in the transport business or use vehicle often.

    Once a month, your credit card bill gets generated which lists out all the transactions done by you. You can go through to keep a track on your monthly spends and plan your budget accordingly. Apart from the above benefits, the cardholder can get the annual fee waived off on reaching the spend of certain amount set by the credit card company. Some offer additional reward points on spending a certain amount per annum. If you pay your credit card bills on time and in full on a monthly basis, you do not need to pay any interest on the money spent on your purchases.

    The credit card company allows you to use their money that month 'for free' if you repay them in time at the end of the monthly billing cycle. However, if you make only a partial payment, the issuer will charge interest on the remaining outstanding amount - or balance - that will be carried over to the next month's bill.

    For instance, if you make purchases worth Rs. However, if you pay only say, Rs. Some credit card companies may charge interest for the total Rs. You need to read the fine print of minimum due payment and interest charges carefully before getting your credit card. Some people do not pay their bill every month and make a full payment at the end of a few months, thinking it will not affect their credit score.

    This is not true. Every delayed or partial payment affects your credit score and makes it difficult to qualify for loans or new credit cards. Suppose you had a medical emergency in the family and had unexpected hospital expenses. Faced with a temporary shortage of funds, you might think it is alright to make late payments for a few months until you can make a full payment again.

    You might be confident that your previous good track record will excuse a few delayed payments. This is not a correct assumption. Making a late or partial payment is probably the worst thing you could do for your credit score. Credit rating agencies record every late or partial payment in your credit report and any such marking has a substantial negative impact on your score.

    It is therefore important to make sure that you try and pay off your monthly credit card bills in full and on time to avoid doing any long-term damage to your credit health. Payment due date is the date that your monthly payment is due.

    Any delay in payment beyond this date can cause the company to charge a late fee, report a late payment to the credit bureau, or even consider the account as delinquent.

    It is, therefore, important to ensure that you make your payment before the payment due date. There are several online tools that can send you reminders to make your payments on time. In case you are unable to make full payment on time, you can pay the minimum due to avoid any penalty for late payment. The minimum payment due is the smallest amount you can pay before your payment due date and still keep to the legal terms of your card agreement.

    It is vital to make at least this minimum payment, or there is a chance that the credit card company can consider it a delinquent account, which has serious consequences for your credit history.

    The balance on the credit card will be carried forward to next month with interest. For example, you have made purchases for Rs. You will now have a minimum due of Rs.

    Though minimum amount due can provide you temporary relief, it is not recommended to pay minimum due amount every month. The outstanding gets carried forward each month with interest and becomes a debt burden over time. There are two types of cards that are popular among the people.

    They are credit and debit cards. While credit card allows you to spend pre-approved money and pay later, a debit card allows you to spend your own money available in your savings or current account. Following are some of the common differences between a credit card and a debit card. A secured credit card works just like a credit card except that you need to have a fixed deposit in order to get it. The bank uses as collateral in case you default on your payment.

    A secured credit card is typically used by people who cannot qualify for a regular unsecured credit card either because they have bad credit or because they do not have a sufficient credit history. Since a secured card requires collateral in the form of a fixed deposit with the bank, even people with bad or no credit can get a card as the bank is safeguarded against default.

    It is a simple and quick way to improve your credit score and build your credit history, provided you make all your payments on time. People with bad credit can make use of secured credit card to improve their credit score. On clearing past negative issues, the credit score remains intact and does not reduce. However, to improve your credit score, you need a credit line active. In such circumstances, you can avail a secured credit card and improve your credit score. Establishing a business and running it successfully will require a continuous cash flow for both long-term and short-term use.

    Business credit card is an instant means of getting finance much quickly. When you apply for a business loan, there is an interest rate attached to it which will be quite burdensome. You do not need a collateral to get a business credit card. Reward points, discounts and cashbacks on purchases can help you save more on the operational cost.

    Entrepreneurs who plan to start up a business can find business credit card and ideal tool for managing the finances of the company. As per the RBI guidelines, the customer will have zero liability in case of fraudulent transactions or if there is negligence on the part of the bank even if the fraudulence is not reported by the customer. In case of a third-party breach, the customer must inform about the unauthorised transaction within 3 working days to avoid any liability.

    If the customer informs after 7 working days, the bank is free to determine customer liability. Card issuers now provide another layer of security with the addition of a PIN number. If you have a microchip on your credit card, you need to input a PIN number as well for the transaction to be approved.

    Your PIN number is known only to you. So, if your card is stolen, it cannot be used for fraudulent purchases as the payment will not be approved without the PIN number. All the traditional cards are now replaced with EMV chip cards. In a normal card, all the user data is saved on it and it remains forever. In an EMV card, fresh user data is created each time the card is used for any transaction.

    This prevents fraudsters to copy the user data and create a new card with the same details. EMV cards protects the cardholder against phishing, skimming and vishing.

    Though there are lifetime free credit cards, they only have a handful of benefits. But getting a credit card with all the fees make you eligible for a greater number of features and benefits.

    Following are some of the fees levied on a credit card. When you are approved for a card, you are charged an annual fee as the cost of owning the card. This fee is automatically added to your bill on an annual basis. Some cards do not have an annual fee. If you do not make your minimum due payment in time, you can be charged a late fee.

    Make sure that you mail your cheque well before the due date or pay your bill online. Credit card companies charge a variety of other fees which may include charges for exceeding your credit limit or returned cheques. Your credit limit refers to the amount of credit available to you on your credit card. So, for example, if your credit limit is Rs. As you move up in your career, your income may increase so does your eligibility to get a higher credit limit.

    If you have been prudent in repayment and have not defaulted, you can request for an increase in the credit limit. After you have made a request, the credit card company analyses your past payment record and approved the increase in the credit limit based on your income and eligibility. Increase in credit limit helps you spend more and keep your credit utilisation ratio on a good level.

    If you feel, you are eligible for an increase in the credit limit, approach the credit card issuer to approve your request. Many must have come across promotional emails, SMS or website advertisements urging you to apply for a credit card. You may have tried applying for the card through them and found yourself to be not eligible or you may not have shown interest in applying for them.

    If you are interested to apply for a credit card, you will first have to check your eligibility for the card before starting with the application process.

    By knowing the eligibility criteria, you can get quick guaranteed approval. Following are some of the most important eligibility criteria that you must know when you apply for a credit card online.

    Apart from the above eligibility criteria, the banks have their internal policies and the approval is subject to the sole discretion of the credit card issuer. After you have checked whether you are eligible for the credit card and studied its features, you can apply for the card through the following ways.

    After you have submitted the form, an executive from the bank will contact you for verification purpose and push the application for approval. Apart from applying through the portals of the banks, alternatively, you can also apply through financial portal like CreditMantri wherein you have the option of comparing multiple cards from various banks. It provides you the option of choosing the best credit card suited for your needs by comparing their features and benefits in a minute.

    You can send an SMS to the respective bank as per the syntax provided to get in touch with you with the application process. Customer Care : All the banks have toll-free numbers to contact the customer support team to enquire about any queries.

    You can contact them from your mobile and get help to proceed with the application process. Mobile Banking : Each bank has a mobile app that provides all updates and services. You can download the app to apply for a credit card. Visiting the Branch : If you are unfamiliar with the above methods, you may walk into any nearby branch of the bank and apply for the credit card.

    You may have to carry documents that support your income and personal details. There is no ideal or average number of credit cards an individual should have. It depends on factors like your income, monthly expenses, how you manage your finances and your ability to plan and make timely repayments on multiple cards.

    If you are new to credit cards, then it is a good idea to use one for some time and get used to the payment method. Once you are comfortable and are confident that you can take on additional repayments, you can apply for another card.

    Low utilisation ratio of credit card is considered a prudent credit behaviour by credit bureaus who generate your credit score. Having more than one card can help you maintain a good credit utilisation ratio and keep a positive credit score. Moreover, multiple credit cards can help get you higher credit limit.

    You can split the costs and manage your finances effectively. With more than one credit card, you can get more reward points, cashback, discounts and offers on plenty of partnering outlets and e-commerce portals. Because, a credit card company having partnership with one leading merchandise may not have tie-up with another.

    Thus, having another card provides you the option of covering out partner outlets to grab the discounts which can save you more money. Many people ask about the best credit card. There is no such thing as best credit card but the right credit card which can be best suited for your spending habits. Everyone will have different needs in life based on their lifestyle, likes and dislikes.

    Understanding this, many credit card companies have designed exclusive credit cards to individuals under various categories.

    The user can do a comparative analysis and choose the one that would best suit their interests and spending behaviour. If you are a person who loves shopping, you can choose a credit card that comes with huge reward points and discounts on shopping related aspects. If you travel frequently, you can choose a travel credit card that comes with discounts on flight and hotel booking. Study your spending habits and compare the benefits on the cards from multiple credit card issuers.

    Choose the one that matches your needs. Use the reward points and discounts to save on your monthly expenses. If you are new to credit cards, then it is important to ensure that you maintain a healthy credit history and use your card wisely to avoid any damage to your credit profile.

    Here are some tips to ensure that you remain credit-healthy:. Paying your credit card bills is important, and it helps improve your credit score. You can choose the following ways to pay your credit card bills. Auto Pay : You can opt for auto pay option while buying a credit card which enables the card issuer to automatically detect the bill amount. This helps pay you credit card bills on time and keep your credit score safe.

    You can also opt out of auto pay option if you feel that you are not able to pay the full amount. Online Payment Options : Every credit card issuer lets you pay the bills online. You can visit their online portal and pay the bill by entering your card details and amount to be paid.

    You can just add the payee details and transfer funds from your account to the credit card company. If your bill payment is huge, you can choose the option of RTGS which allows you transfer more amount.

    This mode is best to ensure that your credit card bill payment is made on the same day. You can set up an ECS mandate wherein you can ask your credit card company to present an ECS payment request to your bank.

    Mobile Applications : Banks and credit card companies have come up with their own mobile application which lets you pay off the monthly bill. Apart from that, there are certain mobile applications that let you pay your credit card bills and offer discounts at partnered outlets and companies. You can just download the app and pay your credit card bill using your bank account. Cheque Payment : This is another easiest way to pay your credit card bill.

    Just enter your card number and payee name on the cheque and put in the drop box in the bank. It usually takes 2 to 3 days to process the cheque and make the payment to be done. Cash Payment : This is the best option when you are unfamiliar with the above options or unable to do so. You can just walk into the branch of credit card issuer and pay in cash by filling up a form that includes payee details and card number.

    You can apply online at the official website of the credit card issuer or at the third-party financial websites. You can also get quick approval on credit cards from the bank where you maintain a salary or savings account.

    Each bank has different income limit to provide a credit card. In general, most companies have minimum limit of Rs. Yes, you can! There are few credit cards specially designed for the purpose of score building. You can also become eligible for a credit card with a steady source of income. Minimum amount due is a certain percentage of your outstanding balance.

    Lenders allow you to pay minimum due amount so that you can avoid a late payment fee. The rest of the balance will be carried to next month bill statement. However, the balance will carry an interest rate as prescribed by the bank. An individual can have as many credit cards possible.

    There are no restrictions. But you need to ensure that payment is done on time and preferably in full to avoid paying interest rate. What can I do if there is an unauthorised transaction done using my credit card? It should be reported within 3 days of the fraudulent transaction.

    The bank check variety of factors to determine your credit card limit. It includes income, credit score, debts, limits on other cards, etc. However, this may vary for different individuals based on their credit profile. Yes, you can increase the credit limit by contacting the credit card issuer. Based on your past repayment record and income, your credit limit will be revised.

    Yes, but it depends on the type of credit card you use. Some cards can be used worldwide without any restrictions. Such cards may carry higher annual fee but come with greater reward points and benefits. Most credit card companies allow up to 3 add-on cards for your spouse and children.

    The add-on card holder must by your immediate relatives. You can redeem your reward points by visiting the official website of the card issuer. You can either redeem the points for gift items that is available on your card or convert it to cash if the card issuer provides that facility.

    The value on the reward points may vary from bank to bank. In general, 4 reward points are equal to Rs. However, some banks may consider 2 reward points equal to Rs. It depends on the type of credit card and the benefits attached to it. Initially, you can check if the product you purchase has the EMI facility.

    If so, you can avail by choosing the EMI option. You can also contact the card issuer through customer support team, SMS, mobile banking, etc.

    The banks usually allow any purchase made above Rs. What are the charges for withdrawing cash using my credit card? For example, if you have withdrawn Rs. The cash withdrawal using credit card does not come under interest free period. Customers paying rents via the MagicBricks portal using their credit Customers paying rents via the MagicBricks portal using their credit card will enjoy several perks like rewards and exclusive offers.

    To pay the rent, the tenant has to enter the details of the landlord like UPI or bank details. On successful rent payment, the tenant will be issued a digital rent receipt. One interesting feature of these cards is that there are no cash withdrawa One interesting feature of these cards is that there are no cash withdrawal fees, provided the cardholder repays the borrowed amount on time.

    The covid pandemic has played a huge role in helping Indians shift to digital transactions. The data for The data for September shows that the monthly credit card transaction value has more than doubled to Rs.

    It is to be noted that debit card usage has also increased significantly during this period. Contactless payments, rewards and safety are some of the main reasons for the spike in credit card payments. Check your eligibility and choose the right credit card for your needs at CreditMantri. In an attempt to boost digital transactions, the RBI has stated that customers can now pay up to Rs.

    Earlier the limit for cardless transactions was fixed at Rs. This increase in This move also helps in promoting contactless payments, especially during this Covid era. Razorpay, one of the leading financial solutions provider in India, has launched RazorpayX Corporate Cards in partnership with Visa.

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    And as your qualifying balances grow, so do your benefits. Learn more about Preferred Rewards. Activate your card, enroll in online banking, pay your bill, check your account, and more. Manage your account. Choosing a credit card can be overwhelming. Get the most out of your credit card.

    Find out how you can take advantage of all the opportunities that may be available to you as a cardholder. Better credit habits can lead to a better credit score. You are using an unsupported browser version. Learn more or update your browser. Credit Cards. Info Layer Title. What was your primary reason for visiting this website today? Please select all that apply Apply for a Bank of America® credit card. Research Bank of America® credit cards. Service my existing credit card account. It is vital to make at least this minimum payment, or there is a chance that the credit card company can consider it a delinquent account, which has serious consequences for your credit history.

    The balance on the credit card will be carried forward to next month with interest. For example, you have made purchases for Rs. You will now have a minimum due of Rs. Though minimum amount due can provide you temporary relief, it is not recommended to pay minimum due amount every month.

    The outstanding gets carried forward each month with interest and becomes a debt burden over time. There are two types of cards that are popular among the people. They are credit and debit cards. While credit card allows you to spend pre-approved money and pay later, a debit card allows you to spend your own money available in your savings or current account.

    Following are some of the common differences between a credit card and a debit card. A secured credit card works just like a credit card except that you need to have a fixed deposit in order to get it. The bank uses as collateral in case you default on your payment. A secured credit card is typically used by people who cannot qualify for a regular unsecured credit card either because they have bad credit or because they do not have a sufficient credit history. Since a secured card requires collateral in the form of a fixed deposit with the bank, even people with bad or no credit can get a card as the bank is safeguarded against default.

    It is a simple and quick way to improve your credit score and build your credit history, provided you make all your payments on time. People with bad credit can make use of secured credit card to improve their credit score. On clearing past negative issues, the credit score remains intact and does not reduce. However, to improve your credit score, you need a credit line active. In such circumstances, you can avail a secured credit card and improve your credit score. Establishing a business and running it successfully will require a continuous cash flow for both long-term and short-term use.

    Business credit card is an instant means of getting finance much quickly. When you apply for a business loan, there is an interest rate attached to it which will be quite burdensome.

    You do not need a collateral to get a business credit card. Reward points, discounts and cashbacks on purchases can help you save more on the operational cost. Entrepreneurs who plan to start up a business can find business credit card and ideal tool for managing the finances of the company. As per the RBI guidelines, the customer will have zero liability in case of fraudulent transactions or if there is negligence on the part of the bank even if the fraudulence is not reported by the customer.

    In case of a third-party breach, the customer must inform about the unauthorised transaction within 3 working days to avoid any liability.

    If the customer informs after 7 working days, the bank is free to determine customer liability. Card issuers now provide another layer of security with the addition of a PIN number. If you have a microchip on your credit card, you need to input a PIN number as well for the transaction to be approved.

    Your PIN number is known only to you. So, if your card is stolen, it cannot be used for fraudulent purchases as the payment will not be approved without the PIN number. All the traditional cards are now replaced with EMV chip cards. In a normal card, all the user data is saved on it and it remains forever. In an EMV card, fresh user data is created each time the card is used for any transaction. This prevents fraudsters to copy the user data and create a new card with the same details.

    EMV cards protects the cardholder against phishing, skimming and vishing. Though there are lifetime free credit cards, they only have a handful of benefits. But getting a credit card with all the fees make you eligible for a greater number of features and benefits. Following are some of the fees levied on a credit card. When you are approved for a card, you are charged an annual fee as the cost of owning the card. This fee is automatically added to your bill on an annual basis.

    Some cards do not have an annual fee. If you do not make your minimum due payment in time, you can be charged a late fee. Make sure that you mail your cheque well before the due date or pay your bill online.

    Credit card companies charge a variety of other fees which may include charges for exceeding your credit limit or returned cheques. Your credit limit refers to the amount of credit available to you on your credit card. So, for example, if your credit limit is Rs. As you move up in your career, your income may increase so does your eligibility to get a higher credit limit.

    If you have been prudent in repayment and have not defaulted, you can request for an increase in the credit limit. After you have made a request, the credit card company analyses your past payment record and approved the increase in the credit limit based on your income and eligibility. Increase in credit limit helps you spend more and keep your credit utilisation ratio on a good level. If you feel, you are eligible for an increase in the credit limit, approach the credit card issuer to approve your request.

    Many must have come across promotional emails, SMS or website advertisements urging you to apply for a credit card. You may have tried applying for the card through them and found yourself to be not eligible or you may not have shown interest in applying for them.

    If you are interested to apply for a credit card, you will first have to check your eligibility for the card before starting with the application process. By knowing the eligibility criteria, you can get quick guaranteed approval.

    Following are some of the most important eligibility criteria that you must know when you apply for a credit card online. Apart from the above eligibility criteria, the banks have their internal policies and the approval is subject to the sole discretion of the credit card issuer. After you have checked whether you are eligible for the credit card and studied its features, you can apply for the card through the following ways.

    After you have submitted the form, an executive from the bank will contact you for verification purpose and push the application for approval. Apart from applying through the portals of the banks, alternatively, you can also apply through financial portal like CreditMantri wherein you have the option of comparing multiple cards from various banks.

    It provides you the option of choosing the best credit card suited for your needs by comparing their features and benefits in a minute. You can send an SMS to the respective bank as per the syntax provided to get in touch with you with the application process. Customer Care : All the banks have toll-free numbers to contact the customer support team to enquire about any queries. You can contact them from your mobile and get help to proceed with the application process.

    Mobile Banking : Each bank has a mobile app that provides all updates and services. You can download the app to apply for a credit card. Visiting the Branch : If you are unfamiliar with the above methods, you may walk into any nearby branch of the bank and apply for the credit card.

    You may have to carry documents that support your income and personal details. There is no ideal or average number of credit cards an individual should have.

    It depends on factors like your income, monthly expenses, how you manage your finances and your ability to plan and make timely repayments on multiple cards. If you are new to credit cards, then it is a good idea to use one for some time and get used to the payment method. Once you are comfortable and are confident that you can take on additional repayments, you can apply for another card.

    Low utilisation ratio of credit card is considered a prudent credit behaviour by credit bureaus who generate your credit score. Having more than one card can help you maintain a good credit utilisation ratio and keep a positive credit score.

    Moreover, multiple credit cards can help get you higher credit limit. You can split the costs and manage your finances effectively. With more than one credit card, you can get more reward points, cashback, discounts and offers on plenty of partnering outlets and e-commerce portals.

    Because, a credit card company having partnership with one leading merchandise may not have tie-up with another. Thus, having another card provides you the option of covering out partner outlets to grab the discounts which can save you more money. Many people ask about the best credit card. There is no such thing as best credit card but the right credit card which can be best suited for your spending habits.

    Everyone will have different needs in life based on their lifestyle, likes and dislikes. Understanding this, many credit card companies have designed exclusive credit cards to individuals under various categories. The user can do a comparative analysis and choose the one that would best suit their interests and spending behaviour. If you are a person who loves shopping, you can choose a credit card that comes with huge reward points and discounts on shopping related aspects.

    If you travel frequently, you can choose a travel credit card that comes with discounts on flight and hotel booking. Study your spending habits and compare the benefits on the cards from multiple credit card issuers. Choose the one that matches your needs. Use the reward points and discounts to save on your monthly expenses.

    If you are new to credit cards, then it is important to ensure that you maintain a healthy credit history and use your card wisely to avoid any damage to your credit profile. Here are some tips to ensure that you remain credit-healthy:. Paying your credit card bills is important, and it helps improve your credit score.

    You can choose the following ways to pay your credit card bills. Auto Pay : You can opt for auto pay option while buying a credit card which enables the card issuer to automatically detect the bill amount. This helps pay you credit card bills on time and keep your credit score safe. You can also opt out of auto pay option if you feel that you are not able to pay the full amount.

    Online Payment Options : Every credit card issuer lets you pay the bills online. You can visit their online portal and pay the bill by entering your card details and amount to be paid. You can just add the payee details and transfer funds from your account to the credit card company. If your bill payment is huge, you can choose the option of RTGS which allows you transfer more amount. This mode is best to ensure that your credit card bill payment is made on the same day.

    You can set up an ECS mandate wherein you can ask your credit card company to present an ECS payment request to your bank. Mobile Applications : Banks and credit card companies have come up with their own mobile application which lets you pay off the monthly bill.

    Apart from that, there are certain mobile applications that let you pay your credit card bills and offer discounts at partnered outlets and companies. You can just download the app and pay your credit card bill using your bank account. Cheque Payment : This is another easiest way to pay your credit card bill. Just enter your card number and payee name on the cheque and put in the drop box in the bank. It usually takes 2 to 3 days to process the cheque and make the payment to be done.

    Cash Payment : This is the best option when you are unfamiliar with the above options or unable to do so. You can just walk into the branch of credit card issuer and pay in cash by filling up a form that includes payee details and card number. You can apply online at the official website of the credit card issuer or at the third-party financial websites. You can also get quick approval on credit cards from the bank where you maintain a salary or savings account.

    Each bank has different income limit to provide a credit card. In general, most companies have minimum limit of Rs. Yes, you can! There are few credit cards specially designed for the purpose of score building.

    You can also become eligible for a credit card with a steady source of income. Minimum amount due is a certain percentage of your outstanding balance. Lenders allow you to pay minimum due amount so that you can avoid a late payment fee. The rest of the balance will be carried to next month bill statement.

    However, the balance will carry an interest rate as prescribed by the bank. An individual can have as many credit cards possible.

    There are no restrictions. But you need to ensure that payment is done on time and preferably in full to avoid paying interest rate. What can I do if there is an unauthorised transaction done using my credit card?

    It should be reported within 3 days of the fraudulent transaction. The bank check variety of factors to determine your credit card limit. It includes income, credit score, debts, limits on other cards, etc. However, this may vary for different individuals based on their credit profile.

    Yes, you can increase the credit limit by contacting the credit card issuer. Based on your past repayment record and income, your credit limit will be revised. Yes, but it depends on the type of credit card you use. Some cards can be used worldwide without any restrictions.

    Such cards may carry higher annual fee but come with greater reward points and benefits. Most credit card companies allow up to 3 add-on cards for your spouse and children. The add-on card holder must by your immediate relatives. You can redeem your reward points by visiting the official website of the card issuer.

    You can either redeem the points for gift items that is available on your card or convert it to cash if the card issuer provides that facility. The value on the reward points may vary from bank to bank. In general, 4 reward points are equal to Rs.

    However, some banks may consider 2 reward points equal to Rs. It depends on the type of credit card and the benefits attached to it. Initially, you can check if the product you purchase has the EMI facility. If so, you can avail by choosing the EMI option.

    You can also contact the card issuer through customer support team, SMS, mobile banking, etc. The banks usually allow any purchase made above Rs. What are the charges for withdrawing cash using my credit card? For example, if you have withdrawn Rs. The cash withdrawal using credit card does not come under interest free period.

    Customers paying rents via the MagicBricks portal using their credit Customers paying rents via the MagicBricks portal using their credit card will enjoy several perks like rewards and exclusive offers. To pay the rent, the tenant has to enter the details of the landlord like UPI or bank details.

    On successful rent payment, the tenant will be issued a digital rent receipt. One interesting feature of these cards is that there are no cash withdrawa One interesting feature of these cards is that there are no cash withdrawal fees, provided the cardholder repays the borrowed amount on time. The covid pandemic has played a huge role in helping Indians shift to digital transactions.

    The data for The data for September shows that the monthly credit card transaction value has more than doubled to Rs. It is to be noted that debit card usage has also increased significantly during this period.

    Contactless payments, rewards and safety are some of the main reasons for the spike in credit card payments. Check your eligibility and choose the right credit card for your needs at CreditMantri. In an attempt to boost digital transactions, the RBI has stated that customers can now pay up to Rs. Earlier the limit for cardless transactions was fixed at Rs. This increase in This move also helps in promoting contactless payments, especially during this Covid era.

    Razorpay, one of the leading financial solutions provider in India, has launched RazorpayX Corporate Cards in partnership with Visa. These cards aim to provide financial relief to SMEs and startups that have been adversely impacted by the current eco These cards aim to provide financial relief to SMEs and startups that have been adversely impacted by the current economic situation.

    These cards will offer higher credit limits compared to regular personal credit cards. They also offer other benefits like interest free credit of up to 45 days, credits up to Rs. CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. Credit Score powered by ®. Click here for more details All written queries will be responded within 1 working day.

    Issuers will usually send a rejection letter or email, stating one or more reasons why they decided not to lend to you. The letter will also give you instructions for obtaining your credit report for free, as you are entitled to do after being denied a credit card.

    Some common reasons for application denial include low credit score, high card balances, low income, too many recent credit inquiries, too many credit cards, recent delinquency or unpaid bills, limited credit history, or limited employment history. Once you understand the reason your application was denied, you can take the necessary steps to improve your credit or increase your odds of approval.

    If you do find an incorrect item, you can dispute it by sending a letter to the responsible credit bureau. You should also review the information you provided on the application. Perhaps a typo caused you to enter your income incorrectly. However, you may be able to call the issuer and politely explain the situation, citing your timely recent payments and steadily improving credit.

    Essential news and expert tips in your inbox every week. By providing my email address, I agree to CreditCards. The offers that appear on this site are from companies from which CreditCards. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site.

    Back Apply Now. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Redeem cash back in any amount, any time.

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    No Foreign Transaction Fees. Terms Apply. After that the variable APR will be Balance transfers must be completed within 4 months of account opening. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

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    After that, the variable APR will be

    How To Get Flipkart Axis Bank Credit Card - Online Apply Full Process - For All Users

    Credit rating agencies record every late or partial payment in your credit report and any such marking has a substantial negative impact on your score. It is therefore important to make sure that you try and pay off your monthly credit card bills in full and on time to avoid doing any long-term damage to your credit health.

    Payment due date is the date that your monthly payment is due. Any delay in payment beyond this date can cause the company to charge a late fee, report a late payment to the credit bureau, or even consider the account as delinquent.

    It is, therefore, important to ensure that you make your payment before the payment due date. There are several online tools that can send you reminders to make your payments on time. In case you are unable to make full payment on time, you can pay the minimum due to avoid any penalty for late payment. The minimum payment due is the smallest amount you can pay before your payment due date and still keep to the legal terms of your card agreement.

    It is vital to make at least this minimum payment, or there is a chance that the credit card company can consider it a delinquent account, which has serious consequences for your credit history.

    The balance on the credit card will be carried forward to next month with interest. For example, you have made purchases for Rs. You will now have a minimum due of Rs. Though minimum amount due can provide you temporary relief, it is not recommended to pay minimum due amount every month.

    The outstanding gets carried forward each month with interest and becomes a debt burden over time. There are two types of cards that are popular among the people. They are credit and debit cards. While credit card allows you to spend pre-approved money and pay later, a debit card allows you to spend your own money available in your savings or current account.

    Following are some of the common differences between a credit card and a debit card. A secured credit card works just like a credit card except that you need to have a fixed deposit in order to get it. The bank uses as collateral in case you default on your payment. A secured credit card is typically used by people who cannot qualify for a regular unsecured credit card either because they have bad credit or because they do not have a sufficient credit history.

    Since a secured card requires collateral in the form of a fixed deposit with the bank, even people with bad or no credit can get a card as the bank is safeguarded against default.

    It is a simple and quick way to improve your credit score and build your credit history, provided you make all your payments on time. People with bad credit can make use of secured credit card to improve their credit score.

    On clearing past negative issues, the credit score remains intact and does not reduce. However, to improve your credit score, you need a credit line active. In such circumstances, you can avail a secured credit card and improve your credit score. Establishing a business and running it successfully will require a continuous cash flow for both long-term and short-term use.

    Business credit card is an instant means of getting finance much quickly. When you apply for a business loan, there is an interest rate attached to it which will be quite burdensome. You do not need a collateral to get a business credit card.

    Reward points, discounts and cashbacks on purchases can help you save more on the operational cost. Entrepreneurs who plan to start up a business can find business credit card and ideal tool for managing the finances of the company.

    As per the RBI guidelines, the customer will have zero liability in case of fraudulent transactions or if there is negligence on the part of the bank even if the fraudulence is not reported by the customer.

    In case of a third-party breach, the customer must inform about the unauthorised transaction within 3 working days to avoid any liability. If the customer informs after 7 working days, the bank is free to determine customer liability.

    Card issuers now provide another layer of security with the addition of a PIN number. If you have a microchip on your credit card, you need to input a PIN number as well for the transaction to be approved. Your PIN number is known only to you. So, if your card is stolen, it cannot be used for fraudulent purchases as the payment will not be approved without the PIN number. All the traditional cards are now replaced with EMV chip cards. In a normal card, all the user data is saved on it and it remains forever.

    In an EMV card, fresh user data is created each time the card is used for any transaction. This prevents fraudsters to copy the user data and create a new card with the same details. EMV cards protects the cardholder against phishing, skimming and vishing.

    Though there are lifetime free credit cards, they only have a handful of benefits. But getting a credit card with all the fees make you eligible for a greater number of features and benefits. Following are some of the fees levied on a credit card. When you are approved for a card, you are charged an annual fee as the cost of owning the card. This fee is automatically added to your bill on an annual basis.

    Some cards do not have an annual fee. If you do not make your minimum due payment in time, you can be charged a late fee. Make sure that you mail your cheque well before the due date or pay your bill online. Credit card companies charge a variety of other fees which may include charges for exceeding your credit limit or returned cheques. Your credit limit refers to the amount of credit available to you on your credit card.

    So, for example, if your credit limit is Rs. As you move up in your career, your income may increase so does your eligibility to get a higher credit limit. If you have been prudent in repayment and have not defaulted, you can request for an increase in the credit limit.

    After you have made a request, the credit card company analyses your past payment record and approved the increase in the credit limit based on your income and eligibility. Increase in credit limit helps you spend more and keep your credit utilisation ratio on a good level. If you feel, you are eligible for an increase in the credit limit, approach the credit card issuer to approve your request. Many must have come across promotional emails, SMS or website advertisements urging you to apply for a credit card.

    You may have tried applying for the card through them and found yourself to be not eligible or you may not have shown interest in applying for them. If you are interested to apply for a credit card, you will first have to check your eligibility for the card before starting with the application process. By knowing the eligibility criteria, you can get quick guaranteed approval. Following are some of the most important eligibility criteria that you must know when you apply for a credit card online.

    Apart from the above eligibility criteria, the banks have their internal policies and the approval is subject to the sole discretion of the credit card issuer. After you have checked whether you are eligible for the credit card and studied its features, you can apply for the card through the following ways.

    After you have submitted the form, an executive from the bank will contact you for verification purpose and push the application for approval.

    Apart from applying through the portals of the banks, alternatively, you can also apply through financial portal like CreditMantri wherein you have the option of comparing multiple cards from various banks. It provides you the option of choosing the best credit card suited for your needs by comparing their features and benefits in a minute. You can send an SMS to the respective bank as per the syntax provided to get in touch with you with the application process. Customer Care : All the banks have toll-free numbers to contact the customer support team to enquire about any queries.

    You can contact them from your mobile and get help to proceed with the application process. Mobile Banking : Each bank has a mobile app that provides all updates and services. You can download the app to apply for a credit card. Visiting the Branch : If you are unfamiliar with the above methods, you may walk into any nearby branch of the bank and apply for the credit card. You may have to carry documents that support your income and personal details.

    There is no ideal or average number of credit cards an individual should have. It depends on factors like your income, monthly expenses, how you manage your finances and your ability to plan and make timely repayments on multiple cards. If you are new to credit cards, then it is a good idea to use one for some time and get used to the payment method.

    Once you are comfortable and are confident that you can take on additional repayments, you can apply for another card. Low utilisation ratio of credit card is considered a prudent credit behaviour by credit bureaus who generate your credit score.

    Having more than one card can help you maintain a good credit utilisation ratio and keep a positive credit score. Moreover, multiple credit cards can help get you higher credit limit. You can split the costs and manage your finances effectively. With more than one credit card, you can get more reward points, cashback, discounts and offers on plenty of partnering outlets and e-commerce portals. Because, a credit card company having partnership with one leading merchandise may not have tie-up with another.

    Thus, having another card provides you the option of covering out partner outlets to grab the discounts which can save you more money. Many people ask about the best credit card. There is no such thing as best credit card but the right credit card which can be best suited for your spending habits. Everyone will have different needs in life based on their lifestyle, likes and dislikes. Understanding this, many credit card companies have designed exclusive credit cards to individuals under various categories.

    The user can do a comparative analysis and choose the one that would best suit their interests and spending behaviour. If you are a person who loves shopping, you can choose a credit card that comes with huge reward points and discounts on shopping related aspects. If you travel frequently, you can choose a travel credit card that comes with discounts on flight and hotel booking.

    Study your spending habits and compare the benefits on the cards from multiple credit card issuers. Choose the one that matches your needs. Use the reward points and discounts to save on your monthly expenses. If you are new to credit cards, then it is important to ensure that you maintain a healthy credit history and use your card wisely to avoid any damage to your credit profile. Here are some tips to ensure that you remain credit-healthy:.

    Paying your credit card bills is important, and it helps improve your credit score. You can choose the following ways to pay your credit card bills.

    Auto Pay : You can opt for auto pay option while buying a credit card which enables the card issuer to automatically detect the bill amount. This helps pay you credit card bills on time and keep your credit score safe. You can also opt out of auto pay option if you feel that you are not able to pay the full amount. Online Payment Options : Every credit card issuer lets you pay the bills online. You can visit their online portal and pay the bill by entering your card details and amount to be paid.

    You can just add the payee details and transfer funds from your account to the credit card company. If your bill payment is huge, you can choose the option of RTGS which allows you transfer more amount.

    This mode is best to ensure that your credit card bill payment is made on the same day. You can set up an ECS mandate wherein you can ask your credit card company to present an ECS payment request to your bank.

    Mobile Applications : Banks and credit card companies have come up with their own mobile application which lets you pay off the monthly bill. Apart from that, there are certain mobile applications that let you pay your credit card bills and offer discounts at partnered outlets and companies.

    You can just download the app and pay your credit card bill using your bank account. Cheque Payment : This is another easiest way to pay your credit card bill. Just enter your card number and payee name on the cheque and put in the drop box in the bank. It usually takes 2 to 3 days to process the cheque and make the payment to be done. Cash Payment : This is the best option when you are unfamiliar with the above options or unable to do so. You can just walk into the branch of credit card issuer and pay in cash by filling up a form that includes payee details and card number.

    You can apply online at the official website of the credit card issuer or at the third-party financial websites. You can also get quick approval on credit cards from the bank where you maintain a salary or savings account.

    Each bank has different income limit to provide a credit card. In general, most companies have minimum limit of Rs. Yes, you can! There are few credit cards specially designed for the purpose of score building. You can also become eligible for a credit card with a steady source of income. Minimum amount due is a certain percentage of your outstanding balance. Lenders allow you to pay minimum due amount so that you can avoid a late payment fee. The rest of the balance will be carried to next month bill statement.

    However, the balance will carry an interest rate as prescribed by the bank. An individual can have as many credit cards possible. There are no restrictions. But you need to ensure that payment is done on time and preferably in full to avoid paying interest rate. What can I do if there is an unauthorised transaction done using my credit card? It should be reported within 3 days of the fraudulent transaction. The bank check variety of factors to determine your credit card limit.

    It includes income, credit score, debts, limits on other cards, etc. However, this may vary for different individuals based on their credit profile. Yes, you can increase the credit limit by contacting the credit card issuer. Based on your past repayment record and income, your credit limit will be revised. Yes, but it depends on the type of credit card you use. Some cards can be used worldwide without any restrictions.

    Such cards may carry higher annual fee but come with greater reward points and benefits. Most credit card companies allow up to 3 add-on cards for your spouse and children. The add-on card holder must by your immediate relatives. You can redeem your reward points by visiting the official website of the card issuer. You can either redeem the points for gift items that is available on your card or convert it to cash if the card issuer provides that facility.

    The value on the reward points may vary from bank to bank. In general, 4 reward points are equal to Rs. However, some banks may consider 2 reward points equal to Rs. It depends on the type of credit card and the benefits attached to it. Initially, you can check if the product you purchase has the EMI facility. If so, you can avail by choosing the EMI option. You can also contact the card issuer through customer support team, SMS, mobile banking, etc.

    The banks usually allow any purchase made above Rs. What are the charges for withdrawing cash using my credit card? For example, if you have withdrawn Rs. The cash withdrawal using credit card does not come under interest free period. Customers paying rents via the MagicBricks portal using their credit Customers paying rents via the MagicBricks portal using their credit card will enjoy several perks like rewards and exclusive offers.

    To pay the rent, the tenant has to enter the details of the landlord like UPI or bank details. On successful rent payment, the tenant will be issued a digital rent receipt.

    One interesting feature of these cards is that there are no cash withdrawa One interesting feature of these cards is that there are no cash withdrawal fees, provided the cardholder repays the borrowed amount on time. The covid pandemic has played a huge role in helping Indians shift to digital transactions. The data for The data for September shows that the monthly credit card transaction value has more than doubled to Rs.

    It is to be noted that debit card usage has also increased significantly during this period. Contactless payments, rewards and safety are some of the main reasons for the spike in credit card payments.

    Check your eligibility and choose the right credit card for your needs at CreditMantri. In an attempt to boost digital transactions, the RBI has stated that customers can now pay up to Rs. Earlier the limit for cardless transactions was fixed at Rs.

    This increase in This move also helps in promoting contactless payments, especially during this Covid era. Razorpay, one of the leading financial solutions provider in India, has launched RazorpayX Corporate Cards in partnership with Visa. These cards aim to provide financial relief to SMEs and startups that have been adversely impacted by the current eco These cards aim to provide financial relief to SMEs and startups that have been adversely impacted by the current economic situation.

    These cards will offer higher credit limits compared to regular personal credit cards. They also offer other benefits like interest free credit of up to 45 days, credits up to Rs. CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. Credit Score powered by ®. Click here for more details All written queries will be responded within 1 working day.

    We'd love to help you through every step along the way. Citi Rewards Card. Annual Fee NA. Reward Type Rewards. Pay with your Reward Points when you shop at over outlets and e-shopping sites. No Joining Fees. No fee shall be charged if Rs. Pricing No fee shall be charged if Rs.

    Citibank Premier Miles Card. Reward Type Travel. Features Earn 10 Miles for every Rs spent on all airline transactions. Redeem the Miles across over a domestic and international airlines. The PremierMiles Card comes at an annual card fee of Rs Pricing Annual Card Fee - Rs. Citibank Cashback Card. Reward Type Cashback. This card is enabled for contactless payments.

    IndianOil Citi Platinum Card. Features Now save more on fuel at IOC outlets. Zero Annual Fee on spend of Rs. Pricing Zero Annual Fee on spend of Rs. Pricing 1st year fee: Rs.

    Yes Prosperity Edge Credit Card. Annual Fee ? Joining Fee ? Features Annual Bonus of 15, Reward Points on spends of? Pricing Interest Rate: 3. Yes First Preferred Credit Card.

    Features Annual Bonus of 20, Reward Points on spends of? Features Benefits worth over? Reward Type LifeStyle. Features Welcome e-gift voucher worth Rs. Reward Type Shopping. Card anniversary gift of 2, reward points every year Upto 15, bonus reward points on annual spends of Rs.

    Features bonus reward points on spends of Rs. Reward Type Entertainment. Joining Fee? Value back Fuel: 2. Fuel surcharge waiver of up to Rs. Yes First Business Credit Card. Yes Prosperity Business Credit Card. Features Annual Bonus of 10, Reward Points on spends of? Annual Fee Joining Fee Unlock an annual Zomato Gold Membership on spending Rs. We couldn't find any offer matching this category. Overview There are varied opinions on the usage of credit cards. What is a Credit Card?

    How do credit cards work? Types of Credit Cards Credit cards designed by credit card companies do not carry the same features across all cards.

    Shopping Credit Card : Targeted at customers who spend more of their money for purchases such as clothes, jewels, groceries, gadgets, etc. Travel Credit Card : Individuals who travel frequently may have to book flight tickets, hotel booking and need cash for international spends. Lifestyle Credit Card : Lifestyle credit cards are generally premium credit cards that are best suited for elite population who often indulge in dining out, make higher purchases, etc.

    Reward Points Credit Card : Reward points is one of the attractive features that credit cards offer and has become all the more reason to use a credit card for so many people. Cashback Credit Card : Much similar to reward points credit card , Cashback cards help you save on all your purchases.

    Fuel Credit Card : Commuting to office from home is unavoidable, and you will certainly be shelling out a sum for fuel expenses. Women Credit Card : Working women in the country are on the rise. Business Credit Card : Every business entity will have to spend a huge amount of money for business operation. Secured Credit Card : An individual must have good income and credit score in certain cases to get approved for a credit card. Student Credit Cards : There are credit cards specially designed for students who pursue their higher studies.

    Features of Credit Cards Following are some of the important features of credit cards that everyone must know before applying for it. Credit Card Type : As we already know that each credit card can be classified into any one of the above categories. Credit Limit : Every credit card comes with a credit limit which is the maximum amount allocated on your card.

    Interest Free Period : Known as grace period or interest free period is one of the main advantages of using a credit card. Credit Card Fees : Though there are lifetime free credit cards which do not charge you any money on the usage, those are only a handful and come with fewer benefits. Balance Transfer : When you are debt-ridden and unable to pay off the credit card bill on time, you can opt for balance transfer option which enables you to transfer your outstanding balance to another card at no or lower interest rate for a particular period of time.

    Cash Withdrawal : Most credit card companies let you withdraw a certain percentage of cash out of your credit card limit from ATMs. Benefits of Credit Cards Most people buy credit cards when they begin their career or when they take of financial responsibility of the family.

    Welcome Gift : Most credit card companies, in a bid to attract more customers, provide a lot of welcome benefits to the credit card holders. Money Saver; Reward Points, Cashback and Discounts : Using credit cards for all your transactions can indeed save some money for you. Complimentary Airport Lounge Access : This is one of the perks of using a credit card.

    Free Travel Insurance : Credit cards that are exclusively designed for travel purposes and other premium cards provide free travel insurance which can provide a cover against air accidents, baggage theft or loss at foreign countries, overseas emergency hospitalisation, etc. Concierge Services : When you travel abroad or stay at a hotel, you can customize your travel and entertainment activities. Credit Score Builder : Credit score is an important criterion when you apply for a loan.

    Golf Program : Most premium credit cards offer complimentary golf rounds at golf courses around the world. No Cost EMI : People who wish to purchase accessories, gadgets, appliances and various other household items can buy them using a credit card and pay for them in EMIs without any interest rate.

    Lifetime Free Credit Cards : Most of the credit card companies issue lifetime free credit cards which can be availed at free of cost, and there is no annual fee charged on the card.

    Fuel Surcharge Waiver : When you fill fuel for your vehicle using a credit card, you may enjoy discounts on fuel surcharge.

    Keep Track of Your Expenses : Once a month, your credit card bill gets generated which lists out all the transactions done by you. We encourage you to stay safe and bank from home using our MoBank App and Internet Banking for all essential banking services.

    Please do not use any other numbers found online. RBL Bank executives will never ask for these details. Customer Compensation and Protection Policy limiting the liability of customers in unauthorized electronic transactions is available under Bank Policies section for perusal of customers Latest News Update. Credit Card Presenting RBL Bank range of credit cards which offer a host of exclusive benefits and a best in class rewards program.

    Exclusive Credit Card Facilities. Credit Card Value Calculator. Card Settings. Track your Credit Card application. Insignia Preferred Banking World Card. Enjoy affluence at its best with curated rewards and luxurious holidays. World Safari Credit Card. Edition Credit Card.

    Exclusive dining benefits, in partnership with Zomato. Edition Classic Credit Card. Introducing a new Edition of life, in partnership with Zomato. Platinum Maxima Card. A power packed rewards card with annual benefits worth Rs. A luxury card to cater to your premium lifestyle. Movies and More Card. Get set to experience the world of movies with the Movies and More Credit Card.

    Blockbuster Credit Card. More happiness inside. More enjoyment outside! ShopRite Credit Card. A card for all your day to day spends with amazing rewards and benefits. Platinum Delight Card. Titanium Delight Card. Your daily shopping card with surprises to delight you during your mid-week break. MoneyTap Black Card. MoneyTap Card. RBL Bank vCard. MoCash Credit Card. Corporate Cards. Platinum Shopgain SuperCard. Freedom SuperCard. Add value to all your spends with exclusive benefits like never before with Freedom SuperCard.

    Platinum ShopDaily SuperCard. The card perfectly complements your spending habits, letting you enjoy high-savings specially on your grocery needs coupled with best-in-class rewards, vouchers, and discounts. Platinum LifeEasy SuperCard. CA SuperCard.

    Add value to all your spends with rewards like never before with CA SuperCard. Platinum Advantage SuperCard. Add value to all your spends with rewards like never before. Platinum Bonus SuperCard. Get rewards and enjoy benefits on every spend you do with your Platinum Bonus SuperCard.

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    Platinum Prime SuperCard. Platinum Max SuperCard. Shop, travel, enjoy and repeat, as your Platinum Max SuperCard gives you many reasons to do so. Platinum Classic SuperCard.

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