India's First Credit Card Application with a CIBIL Advantage.
Quotes from 11 banks
12 Months CIBIL subscription absolutely FREE !!
Many more exciting Offers & Rewards
|Credit Cards||Reward Points and Other Offers||Fees and 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|
|RBL Platinum Maxima 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 come across various lucrative credit card deals. You should then evaluate the deals and apply for a card that meets your needs. After you submit your application, the Wishfin executives would contact you and make sure to get your application approved without any hassle.
You can also visit the nearest bank branch to fill the application form. You need to furnish relevant 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. A new page will appear, asking you to enter your mobile number and click 'Get Whatsapp CC Link' at the bottom. You will then receive the link on your mobile number. When you click on it, you will get added to a Whatsapp group with Wishfin being the other member. You need to mention a few details in the WhatsApp chat before your application will get processed.
You can even explore Wishfin Chat option to apply for a credit card. You just need to answer a few questions. As soon as you are done with it, you would be given a choice of credit cards to apply for. So, apply for a card that fits to your case the best way.
The eligibility criteria for credit cards can differ based on the type of cards you are applying for.
After applying for a credit card at Wishfin, the next concern would most probably be the state of your application, isn't it? 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 the necessary steps to elimintate the discrepancies, if any. Taking the executives' advice into consideration, you can fill the voids in your application and make the concerned lender approve 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. So, you must be aware of your credit history. Your creditworthiness is greatly determined by the score that CIBIL, a credit information company, prepares for individuals with a credit history of 6-9 months at least. Now you can check that score at Wishfin. Normally, a score of 750 and above is considered good for a credit card.
Banks do remain wary of offering credit cards to people with no credit history. But there are certain conditions on which lenders can issue a credit card even if an individual does not have a credit history. So if you are working in a top organization or say you are having an account at a bank where your salary is credited, you can get a credit card from the particular lender. Even secured cards can be offered, all you need is a fixed deposit of a certain value at a particular bank. You would be offered a secured card with a credit limit based on the amount of a fixed deposit. Generally, one can get a credit limit at 80%-90% of the fixed deposit amount. Other factors, such as income and job stability, would also come into play while deciding the credit limit of a customer.
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 the need of a loan in the future. The timely payments help in building a strong credit profile 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 to register the card bill to your account. You can either set an 'Auto Pay' or choose to pay manually 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. Ring the 24X7 Toll-Free Customer Care Number of the concerned lender if you have any doubt regarding the statement. 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. You can raise your SBI credit card queries by calling to the said number.
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 people's life from letting them dine at restaurants to helping them book 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 give a request for credit card balance transfer at the branch or at the customer care 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 following parameters.
Make sure to choose a card with maximum benefits at less costs. 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. So, if a card with an accidental cover is available, do consider the same.