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Credit Card

Credit cards are plastic or contactless cards issued by the banks/authorized entity that allows you to make purchases on credit. The purchases can be of any type from making online purchases to buying flight tickets. Using a credit card does not incur any type of cost except for the fee associated with it or if the outstanding due is not paid within the due date. Else you will be charged with an interest percentage of your outstanding balance.


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Features of a Credit Card


Substitute to Cash

$0 Annual Fee. No Foreign Transaction Fees.No Application Fees. No Overlimit Fees.

A sense of security

Earn unlimited 1.5% cash back on every purchase, every day.

Convenience

0% intro APR on purchases and balance transfers for the first 12 months, after that variable APR of 14.74% – 20.74%†

Grace period

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Universal Acceptance

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Stepping-stone to credit history

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Expense tracking

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Rewards

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Benefits of a Credit Card


The benefits of an online credit card are plenty and countless. Some of them are:

Spend now, pay later

Credit cards help you to make large purchases and pay it off in smaller amounts over time.

Helping build credit

With responsible use, you can build your credit history, thus opening a bucket of financial possibilities.

Convenient and Safe

Credit cards can help you conveniently make purchases by eliminating the need for carrying cash.

Earning rewards

Credit cards come with a host of benefits like vouchers, lounge access and reward points on every spend.

Types of Credit Cards


Credit cards can be differentiated on the basis of the use of that particular card. For instance, a credit card designed for a traveller will be part of travel credit card with travel benefits whereas a credit card that specialises in balance transfer will be part of balance transfer credit cards.

Borrow - A Loan Company Website Templates

Borrow Money Card

2 Reward Points for every 2 Reward Points for every 2 Reward Points for every

Borrow - A Loan Company Website Templates

Borrow Money Card

2 Reward Points for every 2 Reward Points for every 2 Reward Points for every

Borrow - A Loan Company Website Templates

Borrow Money Card

2 Reward Points for every 2 Reward Points for every 2 Reward Points for every

Borrow - A Loan Company Website Templates

Borrow Money Card

2 Reward Points for every 2 Reward Points for every 2 Reward Points for every

Borrow - A Loan Company Website Templates

Borrow Money Card

2 Reward Points for every 2 Reward Points for every 2 Reward Points for every

How to choose the best Credit card for yourself?


When you’re deciding which credit card to choose, it is essential to ask this question: What do I need from the credit card? The answer to this question can help you determine the type of credit card you require. Finding the right and best credit card is part art, part science.

No single credit card is better than all the other credit cards available- or is suitable for all the people. However, if by understanding your needs and asking the right questions, can find the card that best suits your needs.


Here are a few questions you need to ask before choosing the best credit card for yourself:


Question 1: How will I spend my money?

Look for the best credit card that delivers the highest rewards on your spends. For example, if you’re a traveller and spend most on buying flight tickets and booking hotels, consider getting a credit card that gives you travel rewards. Similarly, if you are an online spender, then consider getting a card that gives the highest rewards on online spends. Answering the question can give you an idea on finding the best credit card for yourself.


Question 2: How complicated is that card?

If you don’t want to contend with limited seat availability, spending caps and loyalty tiers, consider getting a card with flat cashback rewards.


How to apply for a credit card? | Step-by-step guide to applying for a credit card Online/Offline

Due to the convenience and safety provided by online credit cards, more and more individuals are applying for credit cards online and offline. There is a multitude of banks and financial institutions that provide credit cards to their customers. In fact, there are enough credit cards in circulation to span the earth over 3.5 times!

Moreover, you can apply for a credit card from other banks or financial institutions even if you don’t have an account there. However, the chances of approval of credit cards from the bank with an account are comparatively higher. Here are the ways to apply for credit cards online and offline:


How to Apply Credit Card Online

With the digitisation of payments taking over the nation, everything has gone digital, even applying for a financial product such as credit cards. The process to apply for credit card online is easy and convenient. All a customer needs to do is fill an application and submit online. This can be done in two ways

Applying for a credit card online from the bank

  • Step 1: Go to the bank you wish to apply for a credit card and apply for a credit card of your choice. However, it is important to check the eligibility criteria before applying to improve your chances of approval.
  • Step 2: You can also revert on the general emails sent by a bank or can initiate a mail asking for the credit card. The respective relationship manager assigned to you will ensure you get proper service.

Applying for a credit card online from IndiaLends

Another easy and simple way is to apply via IndiaLends to receive the right credit card as fast as possible:

  • Step-1: Go to IndiaLends website www.indialends.com and click on “Credit Card”.
  • Step-2: As you click, select the credit provider of your choice. Remember, you can apply for more than one credit card.
  • Step-3: After you select the credit provider, you will be directed to a page that shows all the credit cards provided by the lender. Just next to the options, you can fill out the application.
  • Step 4: Based on the information provided, you will be given a list of credit cards as per your eligibility criteria.

Apply for Credit Card Offline

As everyone has not still become tech-savvy, there is a process to apply for a credit card offline. Here are the steps for the same:

  • Step-1: Visit the bank of your choice and talk to the representative about your interest in applying for a credit card.
  • Step-2: You will be required to fill out the necessary forms and in the case you meet the eligibility criteria, you will be able to avail the said credit card.
  • Step-3: You can also apply via the customer care number which is available 24/7 days a week.

How to use a Credit Card?

Using a credit card is very convenient, easy and simple. A bank or financial institution creates a revolving account for the respective credit card on your name. Once the customers receive the credit card, they can set the PIN of their choice and start using the card to make purchases on credit. “Credit” in here, means the amount borrowed by the account holder from the respective credit card provider. This amount is then repaid at the end of every billing cycle. Please note there is a limit on the amount of credit on each credit card and varies on card-to-card.

If you wish to make a purchase using a credit card, you can simply swipe the credit card at merchant stores and authenticate the transaction by entering the PIN number. When making a transaction via online banking, you need to fill in all the details including the name, the credit card number, the validity date, and the CVV code. After this, generally, you need to fill in the OTP(One-Time-Password) to complete the transaction.

Things to keep in mind when using a credit card:

  • A credit card is free to use except the joining fee and annual fee. However, this is applicable only if the amount borrowed is repaid within the time period.
  • If the amount is not paid within the time period, the credit card providers charge interest- a certain percentage of the amount- over the due amount.
  • Non-payment also affects your credit score and can drop your score adversely.
  • When making a transaction online using a credit card, make sure the website is secure.
  • Even though a credit card interest rate is annual, the charges are calculated on a daily basis. For example, if a credit card charges 32% interest rate annually, the daily interest rate would be 32%/365 which are 0.087% a day. This is why it is advisable to repay the amount on time.

Frequently Ask Questions


If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

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Anim pariatur cliche reprehenderit, enim eiusmod high life accusamus terry richardson ad squid. 3 wolf moon officia aute, non cupidatat skateboard dolor brunch. Food truck quinoa nesciunt laborum eiusmod. Brunch 3 wolf moon tempor, sunt aliqua put a bird on it squid single-origin coffee nulla assumenda shoreditch et. Nihil anim keffiyeh helvetica, craft beer labore wes anderson cred nesciunt sapiente ea proident. Ad vegan excepteur butcher vice lomo. Leggings occaecat craft beer farm-to-table, raw denim aesthetic synth nesciunt you probably haven't heard of them accusamus labore sustainable VHS.

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