Credit Card Applications Online in India with 6 Steps

10 Best Lifetime Free Credit Card i...
10 Best Lifetime Free Credit Card in India (2022)

A credit Card gives you an advance loan for your needs that can pay within 40 days. This is done without paying an extra interest rate. Also, you can get up to 5% cashback and rewards with some extra facilities.

Start Credit Card Applications Online process through Getloanoffer.

Apply for the Best Credit Cards

Credit CardOnline Apply
SBI Cashback Credit CardApply
SBI Unnati Credit CardApply
Yes Bank Finbooster Credit CardApply
RBL Money Tap Credit CardApply
Kreditbee Credit CardApply
One Credit CardApply
LIC Credit CardApply
Dhani One Freedom CardApply
Airtel Axis Bank Credit CardApply

Benefits of Credit Card Apply

Credit cards from Getloanoffer provide several benefits. Check out below:

Additional Rewards

Benefit from usage-based bonus reward points at regular intervals.

Waivers of Annual Fees

If you can have the annual charge of the card waived, there is no need to pay it. If your annual purchases are beyond a certain threshold, your card’s annual fee will be refunded to you.

Gift Coupons

Purchase gift coupons from a variety of high-end stores and use them as you like.

Discounts & Deals

With all the discounts and deals available, even your regular supermarket shopping may become enjoyable.

Extra Rewards 

The top rewards credit cards in India make everyday purchases like dining out and seeing a movie more lucrative with perks like free food and movie tickets.

Fuel surcharge waiver

There will be no extra fees associated with your gasoline use. At all petrol stations, your fuel fee will be reduced by 1%.

Lounge access at the airport

Enjoy free admission to the airport lounge at any U.S. or foreign airport during your next trip.

Cashbacks

With online purchases, you may earn a cash rebate of up to 5%, while in-store purchases will net you 1%.

Massive Usage

Most credit cards issued in India nowadays are international cards accepted at a wide range of stores and restaurants throughout the globe.

Conversion to EMI

You can convert your credit card transactions into a manageable monthly EMI system.

Also Read: How to cancel SBI Credit Card

Eligibility Required for Credit Card

  • Age should be 18 years or more
  • Should be an Indian citizen
  • Should be a good Cibil score
  • The minimum Salary required is Rs. 15,000/m.
  • A Self Employed person required proper Business Vintage proof.

Documents Required for Credit Card Application

  • Aadhaar Card
  • Pan Card
  • Recent 3-month Salary slip for salaried person.
  • IT File, Trade License for Self Employed person.
  • Recent 6 months’ bank statement
  • Residential Proof (Electricity bill/ Gas Bill/ Water Bill)

Interest and fees on credit cards

Joining  FeeMost of the Card are free for 1st year. Also, it varies by bank and card type.
Interest ChargeAll new transactions and late payments incur interest fees. The maximum monthly fee is 3.75%.
Late Payment FeeIf you can’t pay the full amount, the bank will ask for the minimum amount paid. If you pay late, a fee is charged.
Foreign Transaction FeeSome Credit Cards are accepted internationally, but you’ll still have to pay a foreign transaction charge. Usually 3.50% of the transaction value.
Also Read: HDFC Credit Card Loan

How to Apply for Credit Card

Check out the step-by-step process to apply:

Step 1: Study each credit card option and choose the one that works best for you.

Step 2: Learn about the credit card’s benefits and features, as well as the requirements for getting one, the paperwork you’ll need, and the fees you can pay.

Step 3: Enter some of your information to see if you qualify.

Step 4: Click the “Apply Now” button after you’ve seen all of the details of the cards you’re interested in.

Step 5: Apply for a credit card online by providing the requested information. Name, date of birth, home address, monthly income, occupation, PAN Card, etc.

Step 6: In order to verify your identity, the bank will review your online application and related documents. After all the checks, you will get an approval message.

FAQs on Credit Card Apply