Quotes from 11 banks | Best Offers & Rewards
|Credit Cards||Reward Points & Other Offers||Fees & Charges|
|SimplySave SBI Card|
|HDFC Moneyback card||Annual Fee - ₹500|
|ICICI Instant Platinum Credit Card|
|Standard Chartered Platinum credit card|
|The American Express Gold Card|
|Citibank Cashback Credit Card|
Note - The 18% Goods and Services Tax (GST)can also be charged on the annual and joining fees of the credit cards. The tax can also apply to the revolving credit, which arises due to default or delay in the payment of the dues.
After glancing at the reward points, cashback and other benefits, it's time to apply for your favourite credit card, right? You can thus apply for the card online at Wishfin, a credit and investment portal that displays the best-in-class financial products offered by banks and other financial institutions. So when you visit the portal, you could screen through a myriad of lucrative credit card deals. You should then evaluate the offers and apply for the one that meets your needs. Upon applying, the Wishfin executives would be right behind you. They will take your case forward and ensure a hassle-free card application approval.
You can also visit the nearest bank branch to fill the application form, which would ask you to state necessary personal, occupational and income details, etc. Subsequently, you should submit the form at the branch along with your recent photographs and other documents. But then, it could be a lengthy process. So, the choice is yours, whether to go online or stay in a long queue of bank branches to apply for a credit card.
You can apply for your favourite credit cards by furnishing personal and professional details in the application form. Subsequently, you will get a call from Wishfin executives who will submit your case to the concerned bank and ensure a speedy approval to your application.
All you need to do is to click Apply with the ease of Whatsapp Chat on visiting the credit card section of Wishfin. Upon clicking, you need to enter your mobile number and click 'Get Whatsapp CC Link'. You will then receive the link on your mobile number. When you click it, you will get added to a Whatsapp group. You then have to mention a few details there and your application will be processed.
You can even explore Wishfin Chat option to apply for a credit card. Few questions will be asked and on answering those you will be given a choice of credit cards to apply for. So, apply for a card that resonates with your needs.
The eligibility criteria for credit cards differ based on the cards you are applying for and the banks providing it.
After applying for a credit card at Wishfin, the next concern would most probably be the state of your application. No worry, as the dedicated Wishfin team will keep updating you on your application status. It would be a great pleasure for Wishfin to announce the card approval. The executives would even suggest you necessary steps to resolve the discrepancies if they exist in your application. You can thus get a speedy card approval from lenders after filling the voids in your application.
As you would know that a credit history is one of the vital factors that influence a lender to approve or disapprove a credit card application. Being aware of the history is always handy. Your creditworthiness is greatly determined by the score that CIBIL, a credit rating agency, prepares for individuals. Now you can check that score at Wishfin. Normally, a score of 750 and above is considered good for a credit card.
Paying credit card bills on time is one good habit you should embrace and say others to follow. It makes your case stronger when you are in need of a loan in the future. The timely payments ensure a strong credit history and make lenders consider your case seriously. Thus, you should go online and pay the bills on time without having to deal with the hassles of visiting the bank branch to do the same. You can subscribe to Internet Banking, if not having the same, to register the card bill to your account. You can either set an 'Auto Pay' or choose to pay online. With the former, the bills will get paid automatically on or before the due date. But in each of the two situations, you will get an SMS and e-mail alert from the concerned lender regarding the bill. You can also pay the dues by debit cards of the same or another lender.
Never take your eyes off from the credit card statement as it shows an accumulation of reward points which can be redeemed at top brands to avail the best-in-class services. The statement would also show the due amount, minimum due, due date, charges, if any, etc. Read the statement carefully to find if there are any discrepancies. If there are, report the same to the concerned card issuer at the earliest so that the statement can be rectified. On getting stuck in any doubt regarding the statement, ring the 24X7 Toll-Free Customer Care Number of a particular lender. The executives would resolve the issue ASAP.
If at all you face any problem or have a query regarding a credit card, don't hesitate to ring the 24X7 customer care centre of the concerned card issuer. You can find the number on the website of the lender or even on the card issuance letter. The customer care executives would give a patient hearing to your needs and resolve the queries or problems at the earliest. They may suggest you certain measures to sort out the issue ASAP. For example - SBI credit card customer care number is 1800 180 1290.
On a cool Sunday evening last week, you accompanied your girlfriend to a shopping mall after watching a noon show in the theatre. She chose a gorgeous looking gown for herself. But when you put your hand into the wallet, you were left with inadequate cash, leaving her red-faced. You, therefore, had to face the barrage of her anger. However, it would have been all smiles if you had a credit card at that time. It would have not only let you buy the gown she was looking for but other products as well. Even when you face any medical emergency, credit cards will come handy. Therefore, a credit card can be defined as a small plastic money with immense purchasing power. It is issued by a bank which gives the holder an option to purchase goods and services on credit. Many people prefer plastic money over cash just because the former comes with a plenty of unmatched features and privileges.They have now become the part and parcel of everyone's life from letting one dine at restaurants to booking their favourite international flight ticket.
While using your existing credit card, there can be temptations to transfer the balance to a card offered at a lower interest rate. You can request for credit card balance transfer at the bank branch or give a call to the customer care number of the concerned bank. The bank, where you intend to transfer the outstanding balance of your existing bank's credit card, will check your credit score and the pattern of your repayment before okaying the transaction. You may be given an interest-free credit period of 20-50 days.
When it comes to selecting the best credit card, you need to do a thorough research on the offers, benefits, fees, eligibility, etc. So don't forget to compare different cards on the parameters mentioned below to get the best one for you.
Make sure the benefits exceed the charges you need to pay on a credit card. Of the points menetioned above, accidental cover is something one may not look into as most eyes are on the reward points and cashback offers only. An accidental insurance gives you the cover in case of any accident.