Get instant credit card in India.
image image Apply online Credit Card in India. Apply online Credit Card in India.


Get A Credit Card Online

Turn your dreams into reality without worrying about money and start living your life king size. With credit cards, you can avail yourself of ample finance, offers, cash backs, discounts, reward points, and many value-added perks. Apply for a credit card online with instant approval and start working on your plans that need funding. By using a top-rated credit card, you will be rewarded for online shopping, booking movie tickets, travel tickets, and utility bill payments. Get a credit card to live a better lifestyle and take your business to the next level.

Make online transactions or invest in your business up to a pre-approved limit and repay the amount within the stipulated time frame without paying any additional amount. Now you can easily buy things you always wanted to have, buy your favorite gadgets, and plan a vacation to your dream destination with your loved ones. Credit card users get a lot of exciting offers on every online purchase and discounts on ticket booking. Earn reward points in every spending and redeem them for travel, food, restaurants, shopping, merchandise items, or gift cards. You can swipe the card to make a payment or use it for online purchases to enjoy your interest-free period.

Compare Best Credit Cards & Apply Online

Credit cards are like digital money that you can use to make online transactions, pay utility bills, book a trip, or do shopping with ease and convenience. A predefined limit is set by the card issuer and one needs to make purchases within it. You must get the right credit card to avail of all the benefits and only after comparing it with the different cards, you can select the right one. Choosing the best online credit card for you is quite challenging as there are many categories of credit cards with various features and interest rates are available. Apply for a credit card online by comparing the interest rates offered by the top banks to avail of huge discounts, cash backs, and welcome gifts.

You need to check out theannual fee charged by some banks while giving you an online credit card. You can select a credit card based on your spending pattern, payment options, cash backs, fees & charges, offers, reward points, interest rates, and gift cards. Here is a list of the top banks offering credit cards at some interest rates. Browse through the list to choose from the host of credit cards & get a credit card online at low-interest rates.

List of Best Credit Cards Provided by Indian Bank
Apply online Bajaj Finserv Credit Card.

Bajaj Finserv Credit Card

Apply online HDFC Credit Card.

HDFC Credit Card

Apply online Standard Chartered Credit Card.

Standard Chartered Credit Card

Apply online Tata Capital Credit Card.

Tata Capital Credit Card

Apply online SBI Credit Card.

SBI Credit Card

Apply online Axis Bank Credit Card.

Axis Bank Credit Card

Apply online HSBC Bank Credit Card.

HSBC Credit Card

Apply online Yes Bank Credit Card.

Yes bank Credit Card

Apply online ICICI Bank Credit Card.

ICICI Bank Credit Card

Apply online IDBI Bank Credit Card.

IDBI Bank Credit Card

Apply online united Bank Credit Card.

United Bank of India Credit Card

Apply online IDFC First Bank Credit Card.

IDFC first bank Credit Card

Apply online Lakshmi villa Bank Credit Card.

Lakshmi villa bank Credit Card

Apply online Federal Bank Credit Card.

Federal bank Credit Card

Apply online DCB Credit Card.

DCB Credit Card

Apply online Oriental Bank Credit Card.

Oriental bank of commerce Credit Card

Apply online Central bank of India Credit Card.

Central bank of India Credit Card

Apply online J & K Credit Card.

J & K Credit Card

Apply online Indusind Bank Credit Card.

Indusind Bank Credit Card

Apply online Karnataka Bank Credit Card.

Karnataka Bank Credit Card


Credit Card Application & Its Process

Credit Card Application Process

You can opt for an online credit card application on EazyBank Loan.

Required documents

To complete your online Credit Card application process, you need these documents.

Identity proof Address proof Income/Employment proof
Aadhaar/PAN card, passport, driving license, ration card, voter ID, etc. Rental agreement, utility bills, etc. Bank statements, salary slips, etc.
The Approval Process

Once you applied and submit all the documents, your given documents will be verified. The credit card issuer may call the references to check the authenticity. Your Credit Score shows your creditworthiness. If your credit score is more than 750, your chances of getting a credit card are sure. Based on that your credit limit would be determined. Other important factors are your income and the existing debts. After the approval of your credit card and setting the credit limit, you can able to track the status of your application. You will get the necessary documentation & your credit card at your mailing address

Types of Credit Cards in India

Here is the list of different types of credit cards available in India.

Apply online fuel Credit Card.

Fuel Credit Cards

Apply online Travel Credit Card.

Travel Credit Cards

Apply online Rewards Credit Card.

Rewards Credit Cards

Apply online Secure Credit Card.

Secure Credit Cards

Apply online Shopping Credit Card.

Shopping Credit Cards

Apply online lifestyle Credit Card.

LifeStyle Credit Cards

Apply online cashback Credit Card.

Cashback Credit Cards

How to Find Out the Right Credit Card?

You can easily apply for credit cards online and if your credit score is good, you will get instant approval with a high credit limit.

Here are some guides and tips to apply for credit cards:
The eligibility criteria and documents required
Sign-up bonus
Rewards structure & discounts
Cashback & loyalty points
Special privileges
Here are some guides and tips to apply for credit cards:
Additional features like a grace period, ease of repayment, secure transactions, etc
Annual fees and charges must be affordable
Higher credit limit and flexibility.
CIBIL score
Easy application process

Benefits of Applying for Credit Cards in EazyBank Loan

Eazy bank loans offer safe and secure banking facilities and easy loan & credit card facilities in Bangalore. You can apply for a credit card online and get instant approval so you can enjoy the benefits of the grace period. You can pay your transaction in EMIs and calculate your credit card interest rates in case you unable to pay the credit card dues on time.

Perks of applying for credit cards through us:

  • Provide safe and secure banking facilities
  • Compare and choose the best credit card
  • Calculate the credit card interest rate and monthly EMIs
  • Easy credit card application process
  • Round the clock customer support

Calculate Your Credit Card Interest Rate

You should pay your full credit card outstanding each month during the grace period to avoid paying extra amount as interest. The interest rate is charged by the credit card issuer on the monthly borrowed amount. You can also convert your credit card repayments into Equated Monthly Installments. Use a credit card EMI calculator, add the amount of the transaction, annual interest rate, and the tenure you choose to pay it then click on the calculate button and instantly know the repayable amount. If you want to pay the dues by taking your time, you must know how to calculate your credit card interest rate.

Enter Loan Information

Select Bank Name: *
Select Loan Type: *
Loan Amount: *
Annual Interest Rate: *
Loan Tenure(Year): *

Bajaj Finserv Credit Card Offer

Bajaj Finserv credit card gives the benefits of 4 cards in 1 that is, credit card, cash card, loan card, and an EMI card in one credit card. You can pay utility bills, shop for your home, and cover all your personal needs.

  • You can easily convert your purchases into EMIs effortlessly.
  • You can avail of a personal loan with an interest rate of 1.16% pm for 90 days on your cash limit and no processing fee applicable.
  • You can easily withdraw money from your Bajaj Finserv credit card and pay no interest for up to 50 days.
  • You can avail of discounts on a wide range of products while shopping for your home and get gift vouchers.
  • Instant approval on credit cards.
  • Attractive reward points and welcome bonus
  • You can save up to Rs. 55,000 yearly
Bajaj Finserve Instant online Credit Card, Apply Now.
HDFC Instant online Credit Card, Apply Now.

HDFC Credit Card

HDFC Credit Card Offers and benefits:
  • No need to carry wads of cash, your credit card is enough to make any payment. You can also link it with your digital wallet.
  • Pay for online services like flight tickets.
  • Buy your phone bills, electricity, or gas bills with automatic recurring payment options.
  • A grace period of 50 days
  • Earn rewards, exciting gift vouchers on online shopping, trips, and tickets.
  • Get cashback and discounts
  • Get free access to exclusive airport lounges, extra luggage allowance & other travel benefits.
  • Track your expenses
  • Safe and secure transaction
  • Get accidental death cover

Standard Chartered Credit Card

It is one of the best credit cards in India. Check out the benefits it offers.

  • You can avail yourself rewards on entertainment and online purchases
  • Get Cashback on fuel, recharges, and utility bills payment.
  • Travel the world and avail benefits
  • Safe transactions
  • Avail reward points and exciting redemption options
  • AContactless money transactions
  • Credit Card Balance on EMI
  • Credit Card Balance Transfer
  • Credit Card Balance on EMI
  • Online Banking facilities
  • Ease of banking
Standard Charted Instant online Credit Card, Apply Now.
Tata Capital Instant online Credit Card, Apply Now.

Tata Capital Credit Card

Here are some exciting offers and benefits of Tata Capital Credit Card.
  • You can avail of reward points and redeem them whenever you wish.
  • Avail Gift Certificates from the Taj group valued at Rs.2000 & enjoy the food
  • Get a 50% discount on the lunch buffet and weekend getaways as well as get complimentary drinks.
  • Receive Gift Vouchers valued at Rs.3000 from Raymond’s or Jabong.
  • Shop your heart out with Tata Capital Welcome Gift that offers Taj Gift certificates worth Rs.2000. Get 2% value back for each spending at Croma or and 5% value back on TATA outlets purchases.
  • Shop from the selected grocery stores and collect the reward points.
  • Get a 2.5% fuel surcharge waiver at all petrol pumps across India after sending it from Rs. 500 to Rs. 3000.
  • Spend Rs.1,00,000 in a year and the annual fee will be waived off.
  • You can earn 500 empower points if you spend Rs.2,000 or more in the first 60 days

SBI Credit Card

SBI Credit Card comes up with a lot of exciting offers. Check out the list of benefits of using an SBI Credit card. The best thing is you have to pay the low-interest rate, so you can save more and use your credit card to your advantage. The credit card is accepted globally and you can avail hassle-free loan and you can repay your loan within 12 or 24 or 36 months. One can avail 10% value back on railway booking and retail shops. Some major features are:

  • A low-interest rate on balance transfer
  • Documentation is not required
  • Balance Transfer on EMI
  • The minimum balance transfer amount limit is Rs 5,000 and a maximum amount of 75% of the available credit limit.
  • Flexipay
  • Encash
  • Card Upgrade
  • Convenience in Bill Payment
SBI Instant online Credit Card, Apply Now.
Axis bank Instant online Credit Card, Apply Now.

Axis Bank Credit Card

Features and benefits of Axis Bank’s Credit Card
  • EMV Chip and PIN protection that ensures security
  • Low Rate of Interest
  • Exciting offers on movie/flight ticket bookings, online shopping, attractive cashback, fine dining offers, grocery shopping, best healthcare facilities, enjoy a better lifestyle, and travel around the world with comfort and ease.
  • Convert the high Purchases to EMI (Equated Monthly Installment
  • Avail an instant and easy loan against the credit card that will be transferred immediately after getting approval to your savings account. The credit card promotes a cashless society and the add-on card you can avail of with zero cost & annual fees for your family members with minimum documentation.
  • Pay off monthly credit card bills directly through a bank account with Axis bank’s auto-debit facility.
  • You can withdraw cash up to 30% of your credit limit from the ATMs displaying Visa sign

HSBC Credit Card

Here is the list of benefits of HSBC Credit card:
  • Access the cash easily round the clock through HSBC digital platform. All you need to do is log in to your account and make secure transactions anywhere, anytime.
  • Documentation is not required
  • Fast Access to higher cash transaction limits across the world without any difficulty
  • Avail Loan on your smartPhone – HSBC Credit cards provide a unique feature known as the Loan on Phone feature.
  • Pay the higher transactions conveniently in easy monthly installments.
  • Avail Cash advance facility on EMI
HDFC Instant online Credit Card, Apply Now.
Yes bank Instant online Credit Card, Apply Now.

Yes bank Credit Card

The user of Yes bank Credit Card can avail lifestyle benefits and privileges like access to the airport lounge, golf course, fuel surcharge waiver offers, health insurance cover, discount on flight tickets, and much more.

Benefits of Yes bank Credit Card
  • Discounts on shopping, dining at fine restaurants, travel, and booking movie tickets.
  • Avail benefits of rewards programs in online shopping, purchasing grocery items, or so on
  • You can avail of credit cards at nominal fees.
  • Quick and easy loan against the credit card for emergency purposes
  • An individual can avail loan amount on low-interest rates up to the tenure of

ICICI Bank Credit Card

The ICICI bank credit cardholder can avail many perks and benefits:
  • You can automatically pay the total due amount directly from your bank account.
  • You can withdraw the cash easily from your credit card round the clock
  • An AUTO-DEBIT facility is also provided to ICICI cardholders that will give you the added convenience of paying bills either the minimum amount due or the total amount due directly to the credit card account through your bank account.
  • You are provided a cash withdrawal facility 24 hours a day from any VISA or MasterCard participating member bank ATM using the cardholder’s APIN. A fee of 2.5% will be levied on every transaction up to a minimum of Rs 300. Interest will also be charged from the date of the transaction till the date of repayment.
  • You get to pre-define your own credit limit that can be used to preset the monthly spending limits regularly by calling the customer care and placing the request. Any kind of transaction over the set spend limit will be declined.
  • You can use the available Net Banking or Debit Card to make ICICI Bank loan outstanding payments or pay ICICI Bank’s Credit Card bills.
  • You get mobile alerts from ICICI Bank that will provide information about the Credit card anytime anywhere five days before the due date relating to the total due amount, minimum due amount, and payment due date.
  • Easy Access to Money – With the advent of a cashless economy, a credit card is your gateway to freedom from dependencies on ATM and cash payments.
  • Rewards – Shop from leading retails and avail special discounts. Earn points for your purchases and redeem them for further benefits. Buy more, spend less.
  • Internet Banking – Avail of all information and access all facilities of your ICICI credit card remotely from your home. Change pins, addresses, check outstanding bills, and a lot more. It's just a click away.
  • Payments Option – Get a wide variety of payment options ranging from cash payment, internet, cheque, or even your phone.
ICICI bank Instant online Credit Card, Apply Now.
IDBI bank Instant online Credit Card, Apply Now.

IDBI Bank Credit Card

Key features of IDBI bank Credit Card:
  • Use your credit card for online purchases and get attractive loyalty rewards.
  • Buy things on EMI and repay your outstanding amount in monthly installments of 3, 6, 9, or 12 months
  • Get a Grace period of 48 days.
  • Use your credit card globally.
  • Get a 2.5% fuel surcharge waiver
  • Avail supplementary cards for your family members.
  • IDBI VISA card offers special discounts on hotels, car rentals, and tickets.
  • Get air travel insurance of 25 lakhs.

United Bank of India Credit Card

Features and Benefits of Union Bank of India Credit Cards:
  • No Annual Fee for a United Bank of India Credit card, only the Signaturecredit cardholder has to bear an annual fee of Rs. 250.
  • Get discounts on dining bills, car rental offers, entertainment benefits, travel privileges, and an excellent rewards program.
  • Get discounts on dining bills, car rental offers, entertainment benefits, travel privileges, and an excellent rewards program.
  • Avail of the add-on cards for your family members.
  • Provide personal accidental death insurance and air accident insurance to customers.
  • Enjoy surcharge waivers on fuel transactions
  • EMI Option: Convert the high-value purchases into EMI and repay back in tenures of 3,6,9,23,24 or 28 months.
  • A grace period of 50 days.
  • 1 Union Point can be earned with every Rs. 100 spent If the monthly spend is up to Rs. 10,000.
  • If the monthly spend ranges between Rs. 10,001 to Rs. 30,000, then points can be earned at the rate of 1.5 points for every Rs.100 spent.
  • If the monthly spend is above Rs. 30,000, then 2 Union Points can be earned with every Rs. 100 spent.
United bank Instant online Credit Card, Apply Now.
Lakshmi Villa bank Instant online Credit Card, Apply Now.

Lakshmi villa bank Credit Card

Lakshmi Vilas Bank Credit Cards offer a lot of benefits to its customers.
  • Welcome offer: Get bonus points on purchases of more than Rs. 2000 within the first 60 days of the card Issuance.
  • Earn 1 rewards point for every Rs.100 Under the Shop and Smile Rewards Program. Spend more to earn more.
  • Get a Grace period of 48 days.
  • Your Lakshmi Vilas Bank credit cards are accepted throughout the world at over 20 lakh Visa merchant outlets and at over 2,80,000 outlets in India.
  • You can get value back rewards on purchases at the grocery or departmental stores
  • You can get protection against card thefts and frauds in addition to emergency travel and hotel stay facilities
  • You can pay your outstanding bills both via online or offline modes
  • Get access to over 600 airport lounges under the Priority Pass program of LV
  • Cash withdrawal is easy with LVB's 1 million ATMs around the globe
  • Enjoy a surcharge waiver of 2.5% on fuel transactions across any petrol station in India.

Federal Bank SBI Credit Card

Offers and benefits:
  • The cashback of Rs.100 on the first ATM cash withdrawal within 30 days from the date of card issuance.
  • Spend Rs.2,000 or more within the first 2 months & receive 2,000 reward points on your card.
  • Avail of the bonus points within 2 months from the date of the transaction.
  • 10x reward points on every Rs.100 spent.
  • Get 2.5% value back on your expenses On your grocery and departmental store purchase.
  • Receive 1 reward point on your card. With every Rs.100 spent
  • Every 4 reward points equal Re.1.
  • Get Fuel Benefits
  • Your annual fee of Rs.499 will be waived off if your annual spending for the first year exceeds Rs.1 lakh.
Federal bank Instant online Credit Card, Apply Now.
IDFC First bank Instant online Credit Card, Apply Now.

IDFC first bank Credit Card

Here is the list of IDFC first bank credit card benefits:
  • IDFC provides loans at Low Interest i.e. (9% p.a.)
  • You can avail of Lifetime Free IDFC first bank Credit Cards
  • Reward points have no expiry date
  • Withdraw money without paying any additional charges except Rs. 250 w/d fee.
  • A grace period of 50 days.
  • Get Railway lounge access

IDFC Variant cards:

Offers and benefits:
  • Millennia/Classic Variant: Earn 10X rewards after spending more than 20k and avail of a 2.5% return on purchases on an entry-level card. To avail of this card your age must lie between 21-35-year-olds, with income less than ₹12 lakh
  • Select Variant: Enjoy the Visa Signature privileges. The eligible person Age should be >35 and annual income must be ₹15 lakh and ₹35 lakh
  • Wealth Variant: Visa Infinite variant with a 1.5% forex markup fee. ITR >35 Lakhs (or) high HNW with the bank, like >10L balance
  • The credit card will be launched for the public by March/April 2021.
IDFC Instant online variant Card, Apply Now.
DCB bank Instant online Credit Card, Apply Now.

DCB Credit Card

DCB Credit cards are for those individuals who prefer secured credit cards. The card is issued against a fixed deposit and you can save more by using this card.

  • Cash Back- Shop for Rs.5000 within the first 3 months of card issuance and avail Rs. 350 on purchases.
  • Grace period: 15-45 days
  • Fuel Surcharge Waiver- zero fuel surcharge at all petrol pumps after spending Rs.20,000 annually.
  • Complimentary Insurance Cover of Rs. 1 lakh.
  • Low APR up to 24%.
  • Lost card insurance of Rs.2 lakhs.
  • Save up to Rs.5000 annually.

Oriental bank of commerce Credit Card

Oriental bank of commerce Credit cards offer a wide range of benefits to its cardholders:
The OBC Laghu Udyami Credit Card-Oriented business Card Scheme (OBCS) and the OBC Swarojgar Credit Card Scheme. This credit card is for:
  • Handloom weavers, artisans, traders, professionals, entrepreneurs.
  • mall business professionals or Self-employed individuals
  • Avail Loan against Credit Card to keep your work going and enable you to purchase various essential assets.
  • The fund can be used to finance the working capital needs of handloom weavers, artisans, small business units, small-scale units, retail traders, professionals, self-employed individuals micro-entrepreneurs, etc.
  • Low-interest rates
  • Fuel surcharge waiver of 2.5% on transactions worth Rs.500 to Rs.4,000.
  • Easily pay all the bills like telephone, electricity, mobile bill, and other utility bills.
  • Convert your high-value transaction into EMIs.
  • Balance Transfer on EMI
  • World wide acceptance of the credit card
  • Add on cards for your family members
Oriental bank Instant online Credit Card, Apply Now.
Central bank Instant online Credit Card, Apply Now.

Central bank of India Credit Card

DCB Credit cards are for those individuals who prefer secured credit cards. The card is issued against a fixed deposit and you can save more by using this card.

  • Grace period: The interest-free period is between 20 and 50 days.
  • Annual fees: For Visa Platinum Credit Card is Rs. 4000/- and for All other Visa & Master Credit Cards is Nil.
  • Add-on Benefits: For Visa Platinum Credit Card is Rs.2000/- and for other cards is Nil.
  • Cashbacks: on Online purchases, traveling, booking hotels, flight tickets, and much more.
  • Rewards: you can earn 1 reward point on every Rs. 100 spent and redeem it for anywhere you make online purchases.
  • Fuel surcharge: 2.5% transaction charge.
  • Types of Credit card: Visa Platinum Credit Card, Visa Aspire Credit Card, Titanium Credit Card, MasterCard World Credit Card, RuPay Select Credit Card
  • Credit Limit: The maximum credit limit amount is up to Rs. 4 Lakhs with the minimum amount being Rs. 16,000.
  • Insurance: A personal accident cover is up to Rs.1 lakh.
  • Cash Withdrawal: Instant cash withdrawals with Rs 100 plus service charges.
  • Late Payment Fee: Rs. 100 to Rs. 10,000, 1% of the outstanding amount after that.

J & K Credit Card

  • Grace period(Interest-free period): Maximum of 50 days of free credit
  • Annual fees: Pay Rs. 300 as the annual fee and Rs. 250 as the renewal fee.
  • Add-on Benefits - Gift an Add Card to your immediate family members on a specific request
  • Cashbacks: Get up to 12.5 % cashback on various electronic products, online purchases, movie tickets, flight tickets, and much more.
  • Rewards: Earn 1 reward point on every Rs. 200 spent except on fuel purchases.
  • Fuel surcharge: Enjoy fuel surcharge waiver on fuel purchase applicable to a maximum of Rs.5000 of Fuel purchase per month.
  • Types of Credit card: Blue Empowerment Credit Card, Gold Empowerment Credit Card, Silver Empowerment Credit Card
  • Cash Withdrawal: Rs. 50 – 100 is charged on the amount you withdraw
  • Lost Card Liability: You can call on the toll-free Helpline no. 18001800234 and get your credit card blocked and instantly apply for the new credit card.
  • EMI option: Make high transactions and repay the whole amount in EMIs.
J&K Instant online Credit Card, Apply Now.
Indusind bank Instant online Credit Card, Apply Now.

Indusind Bank Credit Card

  • Grace period(Interest-free period): 50 days
  • Joining fees: Rs 249+GST.
  • Interest rate: 3.83% per month (46% per annum) will be applicable initially
  • Annual fees: Varies from one card variant to another
  • Cashbacks: Exciting cashback offers on dining, movie tickets, travel, get annual movie tickets worth Rs 3000.
  • Rewards: Earn 1 reward points by spending Rs 100 on weekdays and earn 2 reward points during weekends.
  • Credit limit: No pre-set spending limit
  • Fuel surcharge: 2.5% (subject to min. Rs. 10), waived for transactions between Rs. 400 – Rs. 4,000
  • Types of Credit card: Super Premium credit card and Co-Branded credit cards
  • Balance Transfer: Transfer the balance from one credit card to another or any bank account
  • Insurance/Health Cover: Personal accident cover up to Rs 2,00,000.
  • Cash Withdrawal: The cash withdrawal range between 2.5% to 3.5%of the transaction amount.
  • Lost Card Liability: Lost card liability cover up to Rs 3,00,000
  • EMI option: For transactions above INR 2,000.
karnataka bank Instant online Credit Card, Apply Now.

Karnataka Bank Credit Card

  • Grace period: 50 days
  • Add-on Benefits: Users can share their card with their family by applying for add-on cards. The card holder’s family members above the age of 18 years are eligible.
  • Types of Credit card: Karnataka Bank SBI Platinum Credit Card
  • Cash Withdrawal: Cash can be withdrawn from more than 1 million Visa-powered ATMs across the globe
  • EMI option: With the Flexipay option customers can convert their credit card bills into easy EMIs or equated monthly installments. The option is available within 30 days of purchase and can be activated by calling the SBI helpline at 1860 180 1290.

Check Your Credit Card Eligibility before Applying

If you are planning to apply for a credit card in India, you must know the credit card eligibility criteria.

Credit Card Eligibility Requirements:

Age of the Applicant: Annual Income Applicant’s Nationality Credit score Outstanding Debt
A person must be within 18 years to 60 years.
The annual income must be within Rs. 1 lakh to Rs. 3 lakhs. But it differs and depends on the different card-issuing banks.
Anyone can apply but some cards are available only for Indians.
Your creditworthiness depends on your credit score that lies between 300 to 850. Your potential lender will lend you money if your score lies between 750 to 850 as they use these scores to determine your chances of loan repayment in a timely manner.
Your credit card won’t be approved if your debts exceed the granted limit.

Basic Documents Required for a Credit Card Application

Here is the list of basic documents that you need to submit to apply for a credit card.

Identity Proof Address Proof Income Proof
Copy of PAN Card Aadhaar Bank Statement (last 3 months)
Passport utility bills Latest Salary Slip
Aadhaar Card Lease/Rent Agreement Application form fully filled
Ration Card Voter’s ID Card Your Passport-size photographs
Voter’s ID Card Passport For self -employed, a statement of accounts, proof of income & business is required.
Driving License. AadDriving License For students, an ID card and application form are required.
Driving License. Ration Card -

Follow the 12 simple steps to know whether you are eligible for a credit card:

  • 1
  • Click on the link

  • 2
  • Select from the options ( Salaried, Independent workers, Business Owners, Students, Homemakers or Retired Persons)

  • 3
  • Type in your company’s name ( For Salaried person)

  • 4
  • Enter your net monthly income

  • 5
  • Enter PIN code & mobile number

  • 6
  • Enter your personal details and email id

  • 7
  • Enter the OTP on your registered mobile number

  • 8
  • Click on ‘Submit’

  • 9
  • Select your bank’s name

  • 10
  • Put in the maximum credit limit of your credit card

  • 11
  • Enter your address and ‘Save’

  • 12
  • The list of all the credit cards suitable for you will appear on yourscreen

FAQs on Credit Cards

A credit card is a plastic card that permits you to borrow money from a credit card company up to a certain limit with the agreement of repayment within a specific time else you need to pay a percentage of interest on any outstanding debt. You can use it for instant purchases or withdraw cash. A debit card allows you to spend money directly from an associated bank account.

If you have applied for a credit card through our website

You will then be asked to enter information such as your application Id, Mobile number, PAN and Date of Birth. If these details match with what we have in our records, you will be able to see the status of your credit card application.

If you have applied for a credit card through the branch or any other channels, you can check the status of the application by calling our Customer Care.

Here is the list of benefits:

  • Cashbacks and discounts
  • Reward Points
  • Improves Your Credit Rating
  • Frequent Flyer Miles
  • Easy to carry and convenient to handle.
  • Keeps a record of purchases made
  • Universal Acceptance

Credit cards are available for different reasons and seasons. Travel credit cards, secured credit cards, reward credit cards, fuel credit cards, co-branded credit cards, and cashback credit cards

The credit limit is the maximum amount one could spend or borrow. The limit is determined by your income, source of income, credit score, and history of purchases.

First, you need to call the customer service number of your card issuing company and tell them to block the card to prevent unauthorized transactions. The new credit card will be delivered to you within 7 days.

The minimum age to apply for a credit card in India is 18 years.

Instant approval of credit cards means receiving a fast response to your new credit application. Individuals with good to excellent credit scores (750 to 850)are granted instant approv

If you pay your full bill on time every month, you don’t have to pay extra credit card fees. Missed or delayed payments can have a negative effect on your credit. You need to stay updated with the terms and conditions of your credit card company in order to avoid extra fees.

There are many payment methods that you can choose to pay your credit card bills. These include:

  • Net Banking
  • Banking apps
  • E-wallets
  • Auto Debit
  • Cash
  • VISA Payment
  • Over the Branch Counter
  • Cheque Payment
  • UPI

Every time you buy something with your credit card, you earn redeemable reward points. Some credit cards have annual programs with “use it or lose it” clauses, then you have to redeem the points within a specific period of time and some have no expiration dates.

To choose the right credit card, you need to keep few things in mind. Here are few things that you need to check.

  • Check eligibility and documents required
  • Choose a credit card that has additional features
  • Check discounts, loyalty points, cash back, or special privileges
  • Affordable annual fees
  • Check the credit card limit
  • Choose easy and secure application procedure
  • CIBIL Score