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Credit Card
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
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![Bank 1](https://www.wishfin.com/images/bank_images/cc-yesbank.png)
![Bank 1](https://www.wishfin.com/images/bank_images/cc_axis_bank.png)
Quotes from 11 banks
12 Months CIBIL subscription absolutely FREE !!
Many more exciting Offers & Rewards
![Bank 1](https://www.wishfin.com/images/bank_images/cc_icici.png)
![Bank 1](https://www.wishfin.com/images/bank_images/cc_sbi.png)
![Bank 1](https://www.wishfin.com/images/bank_images/cc_sc.png)
![Bank 1](https://www.wishfin.com/images/bank_images/cc_hdfc.png)
![Bank 1](https://www.wishfin.com/images/bank_images/cc-yesbank.png)
![Bank 1](https://www.wishfin.com/images/bank_images/cc_axis_bank.png)
Professional Details
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Credit Card customised for individual needs
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All
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Best
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Lifetime Free
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Rewards
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Cashback
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Travel
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Fuel
You can thus look below and see which one is the best for you according to above pointers.
SimplyCLICK SBI card
Joining Fee
Rs. 499 + GST
Annual Fee
Rs. 499 + GST / Year
Welcome & Activation Benefits
- Earn 1 RP / Rs. 100 on all spends
- 10 RP/Rs. 100 on online spends with BookMyShow / Cleartrip / Netmeds /Dineout/ Apollo 24x7
- 5 RP/Rs. 100 on other online spends
- Annual Fee will be reversed on achieving milestone*
- Get evoucher worth Rs 4,000 on achieving milestone*
- On purchase of fuel between Rs. 500/- and Rs. 3,000/- each time, get 1% surcharge waiver up to Rs. 100 monthly.
Axis Bank MY Zone Credit Card
Joining Fee
Rs.500 + GST
Annual Fee
Rs.500 + GST
Welcome & Activation Benefits
- Buy 1 get 1 Free Movie ticket on Paytm
- Upto 4 complimentary access (1 per calendar quarter) to select domestic lounges on minimum spends of INR 50,000 in previous 3 months*
- Dining delights offering upto 15% upto Rs.500 off at partner restaurants in India
SCB Rewards Credit Card
Joining Fee
Joining Fee Nil (First Year Free)
Annual Fee
Annual Fee Rs 1000+GST (2nd Year Onwards)
Welcome & Activation Benefits
- Earn 4 reward points on every INR 150 spent on retail categories*.
- Enjoy accelerated reward points with 8x* points on spends more than INR 20,000.
- Get 1 reward point on every INR 150 spent on insurance and government payments.
- Get 1% Fuel Surcharge waiver.
- Enjoy domestic airport lounge access* once every quarter.
- Adjust* reward points earned on the Rewards credit card against outstanding card statement balance.
- 4000 rewards point on Annual fee realization if the spends not met for fee reversal.
IndusInd Bank Legend Visa Credit Card
Joining Fee
Life Time Free
Annual Fee
Life Time Free
Welcome & Activation Benefits
- 1 reward point for every Rs. 100 spent on weekdays
- 2 reward points for every Rs. 100 spent on weekends
- Buy 1 & Get 1 Free Movie ticket on BookMyShow.
- 4000 bonus reward points on spending Rs. 6 lacs or more in a year
- EazyDiner Prime Membership worth Rs. 3550/- is completely free for the first year.
- Fuel surcharge waiver all petrol pumps, including HPCL, IOC, and BPCL.
- Priority Pass Program: Priority Pass provides access to over 700 airport lounges.
SCB Ultimate Credit Card
Joining Fee
Joining Fee Rs 5000+GST
Annual Fee
Annual Fee Rs 5000+GST (2nd Year Onwards)
Welcome & Activation Benefits
- Earn 6000 Reward Points* worth Rs. 6000 on payment of joining fee with Ultimate Credit Card.
- Get 5 Reward points on every Rs 150 spend.
- Get 1 Reward point equals to Rs 1
- Get access to over 1000 airport lounges across the world.
- 4 complimentary* domestic golf games per year
- Air Travel Accident Coverage of INR 1 Crore and Medical insurance worth $25k
SCB Super Value Titanium Credit Card
Joining Fee
Joining Fee Rs 750+GST
Annual Fee
Annual Fee Rs 750+GST (2nd Year Onwards)
Welcome & Activation Benefits
- 5% Cashback on Fuel - ( includes 1% Fuel surcharge )
- 5% cashback on utility bill payment - ( through BBPS only)
- 5% cashback on telecom bill payment - ( through BBPS only)
- 1 Reward Point / INR 150 spend all other spends
SCB EaseMYTrip Credit Card
Joining Fee
Joining Fee Rs 350+GST
Annual Fee
Annual Fee Rs 350+GST (2nd Year Onwards)
Welcome & Activation Benefits
- 10% instant discount on domestic & International Flights at Ease My Trip
- 20% instant discount on Domestic& International Hotel Booking at Ease My Trip
- Accelerated rewards on select merchant categories ( standalone Airlines, Hotel Merchant Categories)
- Domestic Lounge Access - 1 per calendar quarter
- International Lounge Access - 2 per calendar quarter
Indian Oil Axis Bank Credit Card
Joining Fee
Rs.500+ GST
Annual Fee
Rs.500+ GST
Welcome & Activation Benefits
- 20 EDGE REWARD Points per Rs. 100 spent on fuel at IOCL outlets across India. Fuel transactions between: Rs. 400 to Rs. 4000 will be eligible. Maximum EDGE REWARD Points that can be earned on fuel spends in a card statement month is 1000.
- 5 EDGE REWARD Points per Rs. 100 spent on online shopping. Applicable on maximum spends of Rs. 5000 in a card statement month
- 1 EDGE REWARD Point per Rs. 100 spent on all other eligible spends, minimum transaction value of Rs. 200
- 1% fuel surcharge waiver is applicable on all fuel spends between Rs 400 - Rs 4000. Maximum waiver: Rs. 50 per statement month
SBI Card PULSE
Joining Fee
Rs. 1,499 + GST / Year
Annual Fee
Rs. 1,499 + GST / Year
Welcome & Activation Benefits
- Enjoy 10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Dining and Movies spends
- Earn 2 Reward Points per Rs.100 spent on all your other spends
- Enjoy 1 year complimentary FITPASS PRO Membership, to be received every year, on card renewal
- Enjoy 1 year complimentary Netmeds First Membership, to be received every year, on card renewal
- Complimentary 8 Domestic Lounge visits*
- Avail Fraud Liability Insurance Cover of Rs. 1 lakh & Air Accident Cover of Rs. 50 lakh
- You can use your SBI Card PULSE in over 24 million outlets across the globe, including 3,25,000 outlets in India
Club Vistara SBI Card
Joining Fee
Rs. 1,499 + GST / Year
Annual Fee
Rs. 1,499 + GST / Year
Welcome & Activation Benefits
- Get 8 CV points per Rs. 100 spend
- 1000 CV points on achieving milestone within 90 days of card issuance*
- Renewal Benefit: One way Economy Class ticket (Base fare component)
- Earn 3 CV Point/ Rs. 200 spent on all spends. (including fuel, excluding cash advance, balance transfer, encash, financial charges, flexipay, merchant EMI, wallet transactions and disputed transactions)
- Earn 1 Hotel E-Voucher worth Rs. 5000 that can be redeemed on Yatra and 1 economy class ticket on achieving milestone*
- 4 complimentary domestic lounges
- Get insurance cover of value Rs. 51 lakh 98 thousand ( on Cancellations,lost card&fraud liability,loss of check in baggage,baggage damage,air accident cover,loss of travel documents)*
Axis Bank Select Credit Card
Joining Fee
Rs.3,000 + GST
Annual Fee
Rs.3,000 + GST
Welcome & Activation Benefits
- Priority Pass Membership with upto 12 international lounge access on first transaction within 30 days of card issuance
- Up to 8 complimentary (2 per quarter) domestic lounge access for primary Card holder will be based on minimum spends of INR 50,000 in the previous 3 month. In the case of a newly issued card, the minimum spend criteria is waived off for the month of issuance as well as for the following 3 months.
- BigBasket Instant discount: Flat Rs. 500 off per month on minimum purchase of Rs. 3,000, once per month
- Exclusive golf privileges with upto 12 complimentary golf rounds
- 5,000 EDGE REWARD Points on reaching Rs. 3 Lakhs annual spend
- Annual fee waiver on Rs. 8 Lakhs annual spend
- Get 1% fuel surcharge refund on fuel purchases*
- 10 EDGE REWARD Points on every Rs. 200 spent, 2X EDGE REWARD Points on retail shopping spent
IndusInd Bank Platinum Credit Card
Joining Fee
Life Time Free
Annual Fee
Life Time Free
Welcome & Activation Benefits
- 1.5 reward points for every ? 150 spent
- Waiver* of 1% on fuel surcharge at any petrol pump within India
- Complimentary personal air accident insurance cover of up to Rs. 25 lakhs
SBI PRIME Card
Joining Fee
2,999 + GST / Year
Annual Fee
2,999 + GST / Year
Welcome & Activation Benefits
- 20 RP/ Rs. 100 on utility bill payment and birthday spend
- 10 RP/ Rs. 100 on every purchase at Dining, Departmental Stores, Movies and Grocery Stores
- E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons & Pizza Hut e-Voucher of Rs. 1,000 on achieving milestones*
- 4 & 8 complimentary international & domestic Airport Lounge visits per year*
- On purchase of fuel between Rs. 500/- and Rs. 4,000/- each time, get 1% surcharge waiver up to Rs. 250 monthly
- Trident Privilege Membership, Club Vistara Membership, Fraud Liability Cover of 1 Lakh, Visa card/ Master Card privileges, Air accidental Liability Cover of 50 Lakh.
- Annual fee will be reversed for next year on achieving milestone*
Axis Bank Aura Credit Card
Joining Fee
Rs.749+ GST
Annual Fee
Rs.749 + GST
Welcome & Activation Benefits
- Amazon voucher worth Rs.750 as welcome benefits. Customers will be able to redeem vouchers at axisbankaura.poshvine.com, 15 days post issuance of card.
- Decathlon voucher worth Rs.750 as welcome benefits
- Enjoy 4 interactive video fitness sessions free per month via Fitternity
- Get annual discount up to INR 500 on health checkup
- Get minimum 30% discount on diet consultation from renowned nutritionists. Get minimum 30% discount on nutritional foods
- Fuel surcharge waiver on txns b/w Rs.400 - Rs.4000
SCB Smart Credit Card
Joining Fee
Joining Fee Nil (First Year Free)
Annual Fee
Annual Fee Rs 499+GST (2nd Year Onwards)
Welcome & Activation Benefits
- Extended Interest Free Credit Period for first 90 days
- 2% Cashback for online spend
- 1% cashback for offline spend
- Exclusive Smart Card Kuch Bhi on EMI offer (3 month tenor @0.99% & NIL PF)
SBI ELITE Card
Joining Fee
4,999 + GST / Year
Annual Fee
4,999 + GST / Year
Welcome & Activation Benefits
- Every month 2 complimentary movie tickets worth Rs. 500 on Bookmyshow (Rs. 6,000/Year)
- Earn 2 RP / Rs. 100 on all his Retail Spends
- Earn 10 RP/ Rs. 100 on every purchase at Dining, Departmental Stores and Grocery Stores
- You can also earn 50,000 RP worth Rs. 12,500 on achieving milestone*
- 6 & 8 complimentary international & domestic Airport Lounge visits per year*
- Trident Privilege Membership, Club Vistara Membership, Lowest Forex Markup, Concierge services, Fraud Liability Cover of 1 Lakh, Visa card/ Master Card privileges
- Annual Fee will be reversed on achieving milestone*
Axis Bank Magnus Credit Card
Joining Fee
Rs.12,500+ GST
Annual Fee
Rs.12,500 + GST
Welcome & Activation Benefits
- welcome benefit voucher from one-way domestic flight ticket or Luxe Gift Card or PostCard Hotels gift voucher worth Upto Rs. 12,500 on card activation
- Bullet Point 3 - Unlimited international lounge visits and 4 additional guest visits in a year with priority pass
- Unlimited domestic lounge access at select airports for primary and add on cardholders. Min. spend of Rs. 50,000 is required in last 3 months
- 35 EDGE reward points per Rs. 200 on incremental spends above Rs. 1.5 lakhs in a calendar month, 5X EDGE REWARDS on travel spends via TRAVEL EDGE* T&C apply. Visit www.axisbank.com/magnus
- Annual fees waived on spends of Rs.25 Lakhs and above in the preceding year
IndusInd Bank Platinum Aura Edge Credit Card
Annual Fee
Life Time Free
Joining Fee
Life Time Free
Welcome & Activation Benefits
- Earn up to 4X Reward Points on Select Merchants.
- Get a 1% fuel surcharge waiver.
- Flexibility in selecting reward plans to fit your lifestyle.
- On every INR 100 spent, earn 4 reward points on groceries, departmental stores, hotel bookings, and restaurant bills.
- 1 reward points = Rs.0.40 for redemption against statement.
- 100 reward points = 50 air miles on partner airlines
IRCTC SBI Platinum Card
Joining Fee
Rs. 500 + GST
Annual Fee
Rs. 300 + GST / Year
Welcome & Activation Benefits
- 1 RP/ Rs 125 spend on all retail transaction
- Save 1% transaction charges on railway ticket bookings on www.irctc.co.in.
- Up to 10% value back as Reward Points on AC Train Ticket Bookings at www.irctc.co.in – AC1, AC2, AC3, AC CC categories.
- 4 complimentary railway lounge access*
- Get an annual Saving upto Rs. 1,200 on Fuel transactions, On purchase of fuel between Rs. 500/- and Rs. 3,000/- each time, get 1% surcharge waiver upto Rs. 100 monthly.
Rewards Credit Card
Joining Fee
Rs.1000+ GST
Annual Fee
Rs.1000 + GST
Welcome & Activation Benefits
- Unlimited 2 EDGE Reward points earned on every Rs 120 spend
- Earn 10X reward points on every Rs 125 sent
- Enjoy a bouquet of memberships upto Rs 1000 every anniversary year.
BPCL SBI Card
Joining Fee
4,99 + GST / Year
Annual Fee
4,99 + GST / Year
Welcome & Activation Benefits
- 4.25 % Value back (13X reward points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction up to Rs 4,000), at any BPCL petrol pump across the country
- Earn 1 RP / Rs. 100 on all Retail Spends
- 5 RP/ Rs.100 spend at Groceries, Departmental stores, Movies & Dining
- 13 RP on Fuel Purchases at BPCL petrol pumps
Axis Bank Privilege Credit Card
Joining Fee
Rs.1500 + GST (NIL for Priority Customers)
Annual Fee
Rs.1500 + GST
Welcome & Activation Benefits
- Get 12,500 eDGE reward points, redeemable against vouchers worth Rs.2500
- Get 10,000 EDGE REWARD Points on achieving spends of Rs. 2.5 lakhs in a card anniversary year
- The minimum spends criteria for annual fee waiver of Rs. 1,500 has been revised from Rs. 2.5 lakhs to Rs. 5 lakhs in a card anniversary year.
- Up to 8 complimentary (2 per quarter) domestic lounge access for primary Card holder will be based on minimum spends of INR 50,000 in the previous 3 month. In the case of a newly issued card, the minimum spend criteria is waived off for the month of issuance as well as for the following 3 months.
- 1% Fuel surcharge waiver on spends at all fuel stations across India
- 10 EDGE RPs per Rs.200 on domestic and international spends
Club Vistara SBI Card PRIME
Joining Fee
Rs. 2,999 + GST / Year
Annual Fee
Rs. 2,999 + GST / Year
Welcome & Activation Benefits
- 9 CV points / Rs. 100
- Complimentary excess baggage allowance of 5 kgs
- 1 class upgrade voucher
- 3000 bonus CV within 90 days of card issuance*
- Earn 4 CV Point/ Rs. 200 spent on all spends (including fuel, excluding cash advance, balance transfer, encash, financial charges, flexipay, merchant EMI, wallet transactions and disputed transactions)
- Get Insurance cover worth more than 1Cr* on every travel (Cancellations,Lost card& fraud,Baggage damage, lost & damage in baggage checkin,loss of travel docs)
- Get 1 Hotel E-Voucher from Yatra worth Rs. 10,000 and 1 premium economy ticket on achieving milestone*
- 8 & 4 complimentary domestic and international lounge access
Samsung Axis Bank Signature Credit Card
Joining Fee
Rs.500 + GST
Annual Fee
Rs.500 + GST
Welcome & Activation Benefits
- 10% Cashback on SAMSUNG purchases all year around, across products & services. This is in addition to and over & above other all offers
- 10 EDGE REWARD Points per Rs.100 on preferred partners, BigBasket, UrbanCompany, Zomato, Tata1mg and Myntra
- 5 EDGE REWARD Points on every Rs.100 spent on all other domestic and international transactions
IRCTC SBI Card Premier
Joining Fee
Rs. 1,499 + GST / Year
Annual Fee
Rs. 1,499 + GST / Year
Welcome & Activation Benefits
- Get 1 RP/ Rs. 125 spend on other retail transactions
- 3 RP/ Rs. 125 on Dining & Utility payments on standing instructions
- 10 RP/ Rs. 100 on tickets purchases through irctc.co.in
- 15 RP/ Rs. 100 on tickets for Tejas train
- 5 RP / Rs. 100 on Air Tickets and E-catering purchases
- Customer can get Rs. 7500 worth benefits on achieving milestone*
- 8 complimentary railway lounge access
- Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
- Save 1.8% transaction charges on airline ticket bookings on www.air.irctc.co.in
- Get insurance cover upto Rs 61 Lakhs* (Rail accident,Air accident,Fraud Liability)
Axis Bank Vistara Credit Card
Joining Fee
Rs.1,500+ GST
Annual Fee
Rs.1,500 + GST
Welcome & Activation Benefits
- Complimentary Club Vistara Base membership.
- Up to 3 Economy Class Ticket vouchers on milestone spends of Rs. 1.25 L, Rs. 2.5 L & Rs. 6 L in a card membership year.
- 2 CV Points for every eligible Rs. 200 spent on card.
- 1,000 Bonus CV Points on Rs. 50,000 spends in first 90 days.
- Domestic Lounge access - 2 per quarter.
- Up to 20% off at select restaurants.
Axis Bank Vistara Signature Credit Card
Joining Fee
Rs.3,000+ GST
Annual Fee
Rs.3,000+ GST
Welcome & Activation Benefits
- Up to 4 Premium Economy Ticket vouchers on milestone spends of Rs. 1.5 L, Rs. 3 L, Rs. 4.5 L & Rs. 9 L in a card membership year
- 4 CV Points for every eligible Rs. 200 spent on card
- 3,000 Bonus CV Points on Rs. 75,000 spends in first 90 days
- Upto 8 complimentary access (2 per calendar quarter) to select domestic lounges on minimum spends of INR 50,000 in previous 3 months*
- 3 rounds of Golf at select golf courses
Axis Bank Vistara Infinite Credit Card
Joining Fee
Rs.10,000+ GST
Annual Fee
Rs.10,000 + GST
Welcome & Activation Benefits
- Up to 4 Business Class Ticket vouchers on milestone spends of Rs. 2.5 L, Rs. 5 L, Rs. 7.5 L & Rs. 12 L in a card membership year
- 6 CV Points for every eligible Rs. 200 spent on card
- 10,000 Bonus CV Points on Rs. 1 L spends in first 90 days
- Upto 8 complimentary access (2 per calendar quarter) to select domestic lounges on minimum spends of INR 50,000 in previous 3 months*
- 6 rounds of Golf at select golf courses
- Up to 20% off at select restaurants
SBI SimplySAVE Card
Joining Fee
Rs. 499 + GST
Annual Fee
Rs. 499 + GST / Year
Welcome & Activation Benefits
- Enjoy *10X Reward Points* on Dining, Grocery, Departmental stores & Movie spends. On all your other spends, earn *1 Reward Point per Rs 150 spent*
- 1% Fuel surcharge waiver across all petrol pumps
- Annual Fee Reversal on achieving milestone*
Samsung Axis bank Infinite Credit Card
Joining Fee
Rs.5000 + GST
Annual Fee
Rs.5000 + GST
Welcome & Activation Benefits
- 10% Cashback on SAMSUNG purchases all year around, across products & services. This is in addition to other and over & above all offers
- Complimentary EazyDiner prime membership for 1 year
- Complimentary PRIORITY PASS membership with 6 international lounge visits per annum
Axis Bank Atlas Credit Card
Joining Fee
5000 + GST
Annual Fee
5000 + GST
Welcome & Activation Benefits
- Unlock EDGE Miles up to 10,000 on achieving spends milestone in a card anniversary year.
- Unlock upto 17,500 EDGE Miles on achieving the Spends Milestone.
- Annual Benefit up to 5,000 EDGE Miles on completion of a year and payment of card annual fee, Accelerated rewards: 5 EDGE Miles per INR 100 spent on Travel and 1 EDGE Mile per INR 100 spent on other spends where 1 EDGE Mile = 1 Re.
- Use EDGE Miles to book flights, hotels and experiences on TRAVEL EDGE or convert those miles into partner points with Points/Miles Transfer Program.
- TRAVEL EDGE: Dedicated portal for redemptions of EDGE Miles across flights, hotels and experiences worldwide
- Up to 18 Domestic & up to 12 International lounge access for primary cardholders and accompanying guests
- One EDGE Mile = Twice the joy with Miles Transfer Program. Transfer your EDGE Miles to a number of partner programs available
- EazyDiner Dining Delights: Enjoy 25% off up to Rs. 800 on over 10,000 premium restaurants across India and Dubai
- 5 EDGE Miles per Rs. 100 spent on Travel and 2 EDGE Miles per Rs. 100 spent on all other spends
Axis Bank Neo Credit Card
Joining Fee
Rs.250 + GST
Annual Fee
Rs.250 + GST
Welcome & Activation Benefits
- Upto 15% Discount On Fine Dining At Selected Restaurants
- 100 % instant cashback credit up to INR 300 on first utility bill payment within 30 days of card issuance
- 40% Off On Zomato
- 5% Off On Utility Bill Payments Done Via Amazon Pay
- 10% Off On Blinkit, Myntra And Book My Show Movie Ticket
- 1 Reward point with every Rs. 200 spent
Axis Bank Flipkart Credit Card
Joining Fee
Rs.500 + GST
Annual Fee
Rs.500 + GST
Welcome & Activation Benefits
- Rs. 500 Flipkart voucher on first trnx within 30 days from card issue date (only for paid cards)
- 50% off up to Rs. 100 on your first transaction for new to Swiggy customers using Flipkart Axis Bank credit card. Use the code "AXISFKNEW"
- 5% cashback on Flipkart
- 4% cashback on Preferred merchants like Cleartrip, Curefit, PVR, Swiggy, Tataplay, Uber
- 1.5% cashback on all other spends except wallet load, EMI, Rent, Jewelry, government services etc
Frequently Asked Questions (FAQs)
Below are a few questions that many credit cardholders ask.
A credit limit is a point up to which you can shop via a card. Credit card issuers check your income, repayment potential and credit score before deciding the limit.
You can get the limit raised by giving a call to the customer care centre or place a request at the nearest branch of the concerned lender. If the repayment track remains good, the lender can raise the limit of the credit card.
The unbilled amount refers to the spends made after the bill generation date. You can see the unbilled portion in the next billing cycle of a credit card.
The credit card statement often shows the minimum due, which gets calculated at about 5% of the total outstanding balance in a billing cycle.
No, if you pay the entire outstanding balance on or before the due date of the payment.
No, the payment of minimum due only inflates the bill by inviting interest and taxes. The subsequent shopping will further pile on the misery if you continue to pay minimum due only.
Yes, there will be charges on revolving card dues at around 2%-3.5% per month. So, if a bill worth INR 25,000 comes and you pay INR 15,000 only, the remaining INR 10,000 will be added to the next billing cycle. The interest would thus be charged on the unpaid balance. Plus, on the interest amount, the GST at 18% would also be charged.
The payment delay will negatively impact your credit health by lowering your score. If you continuously delay the payment of credit card dues, not only your credit score goes down but even the late payment charges, interest and taxes mount.
Timely payments would constantly raise your CIBIL score, hence increasing the scope for a credit limit enhancement. It would also brighten your future credit prospects.
Debt settlement is an agreement you sign with the lender to reduce the debt to an amount you would find it easy to pay. Normally, lenders agree to reduce the interest liability while discussing a debt settlement deal with customers.
Not at all. Your status will be recorded as debt settled, which clearly means your inability to pay off the dues in full. The CIBIL score may not come down but would negatively impact your credit history. As a result, you may find it tough to get a loan or credit card approval in the future.
Yes, you can, by servicing different kinds of debts responsibly. The effective management of debts raises your creditworthiness, resulting in a pre-approval for credit cards.
Yes, you can by the following ways.
- From a bank where you have a salary account
- From a bank where you have been maintaining a savings account or any other relationship for long
- A card can be issued against fixed deposit, with the credit limit likely to be 80%-90% of the FD amount
If the credit score is found to be low, you can apply for a credit card against the fixed deposit. Just check with the lender about the minimum amount needed to open a fixed deposit.
Yes, you can transfer your outstanding amount on one credit card to another credit card with the Balance Transfer Facility. This facility allows you to repay the outstanding balance in easy monthly installments at a lower rate of interest. Almost all the banks and financial institutions provide this facility to their customers.
Yes, you can, provided you have a good CIBIL score and conform to the requirements with respect to age and income as stipulated.
Yes, you can get a credit card. However, banks won't feel comfortable offering you an unsecured credit card in the absence of income proof. You can thus apply for a card against the fixed deposit. This is called as secured credit card.
Yes, if the existing card lacks offers that are there in competing products. You can request for an upgrade at the bank branch and get exciting features added to your card. The upgrade would eliminate the requirement of applying for a fresh one. With that, you won't need to manage different credit cards which can be the case otherwise.
Mobile companies and other firms display brand new products on e-commerce websites to gain more user traction. When you go to shop these products, you would need to choose from several payment modes such as credit card, debit card, internet banking and even EMIs. You can thus choose the EMI option to pay over a select tenure of 3, 6, 9,12, 15,18 or 24 months. The interest rate on EMI transactions comes anywhere between 14%-18% per annum, much unlike 30%-40% on revolving dues.
These are offered to spouse, father, mother, son and daughter of the primary cardholders.
Yes,credit cards offer protection through the following.
- Certified EMV Chip
- Zero lost card liability, wherein you just need to report the incident to the customer care of the concerned credit card issuer to stay protected against fraudulent transactions made after the loss of the cashless instrument.
Immediately dial the 24x7 customer care executive of the concerned lender if and when such an incident takes place. Get the credit card blocked immediately to prevent an unauthorized use of the same. You can check the customer care number on the card issuance letter and even on the website of the lender.
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See more articlesTerms & Conditions
By accepting our "Terms and Conditions" you authorize WishFin and the partner Banks of WishFin to run a Cibil/Experian check for your profile for 180 days from the last application date created.
To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
19th Floor, One World Centre Tower-2A-2B,
841 Senapati Bapat Marg,
Lower Parel,
Mumbai – 400 013
Sub: Grant of Consent
Dear Sirs,
In connection with submission of the application for my credit information (“Consumer Credit Information”) and other related credit products (Credit Products) offered by CIBIL through Wishfin (referred to as the “Company”) and delivery of the Consumer Credit Information and Credit Products to the Company, I hereby acknowledge and agree to the following:
- The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information and Credit Products from TUCL on my behalf and use it and the Company has granted its consent for being appointed for the aforesaid purpose.
- I grant my unconditional consent to the Company to receive the Consumer Credit Information and Credit Products from TUCL on my behalf and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that the Terms of Understanding in relation to the use of the Consumer Credit Information and Credit Products has been agreed between me and the Company.
- I hereby expressly grant unconditional consent to, and direct, TUCL to deliver my Consumer Credit Information and Credit Products to the Company on my behalf.
- I agree that my consent shall be stored by the Company on a permanent basis and shall be verifiable from time to time. I understand that the Company cannot access the Consumer Credit Information for more than 6 months on a single Consumer Consent and the same shall be required to be refreshed every six (6) months. Company can store the Consumer Credit Information only for (i) a limited time period of six months or (ii) till such time the credit information is required to be retained to satisfy the purpose for which it was provided or (iii) until I withdraw my consent to store such Consumer Credit Information, whichever is earlier and thereafter, the stored Consumer Credit Information shall be deleted, purged, expunged by the Company.
- I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information and Credit Products to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information or Credit Products , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company.
- I acknowledge and accept that TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard.
- I agree that I may be required to record my consent / provide consent electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written consent " to Wishfin authorizing Wishfin to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information and Credit Products.
- I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information and Credit Products from TUCL.
- By submitting this registration form, I understand that I am providing express written consent for Wishfin to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Wishfin account. I further authorize Wishfin to retain a copy of my information for use in accordance with Wishfin’s Terms of Use and Privacy Policy.
- I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
- I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information or Credit Products and / or my decision to provide TUCL with the authority to deliver my Consumer Credit Information and Credit Products to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
- I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Yours faithfully,,
Signature :____________________________
Name :____________________________
Address : ____________________________