Apply Credit Card
Get 10X rewards & Cashback on Credit Cards
Eligibility Criteria
- Self Employed / Salaried
- Require Age: 23 to 60 yr.
- 700+ CIBIL Required
- Maintain 30K in Recent 3 months Bank Account
Documents
- Pan Card
- Aadhaar Card
- 6 months Bank Statement PDF
- Trade Licence / Salary Slip
Benefits
- Get 10X Rewards on shopping
- Rs. 500 welcome gifts
- Get e-voucher worth Rs. 2,000
- Up to 40 days interest free credit limit
Eligibility Criteria
- Self Employed / Salaried
- Require Age: 21 to 60 yr.
- 700+ CIBIL Required
- Monthly income required Rs. 20,000
Documents
- Pan Card
- Aadhaar Card
- 6 months Bank Statement PDF
- Trade Licence / Salary Slip
Benefits
- Get 10X Rewards on shopping
- Fuel Charge wavier
- Airport lounge access
- Cashback points
- Up to 40 days interest free periods
Eligibility Criteria
- 25K Salary requried
- 30K income for Self Employed
- Require Age: 23 to 54 yr.
- 730+ CIBIL Required
Documents
- Pan Card
- Aadhaar Card
- 6 months Bank Statement PDF
- IT File / Salary Slip
Benefits
- Earn 2 Rewards on every Rs. 100 spent
- 1% Fuel Surcharge wavier
- Contactless technology
- Cashback points
- Up to 45 days interest free periods
Eligibility Criteria
- Salaried / Self Employed
- ITR / Salary Slip required
- Require Age: 18 yr or above
- 700+ CIBIL Required
Documents
- Pan Card
- Aadhaar Card
- 6 months Bank Statement PDF
- IT File / Salary Slip
Benefits
- Lifetime free
- Interest free period 48 days
- 10X rewards points
- Fuel surcharge waiver 1%
- Unlimited discounts & rewards points
Eligibility Criteria
- Salaried / Self Employed
- ITR / Salary Slip required
- Require Age: 25 yr or above
- 700+ CIBIL Required
- 6 lac & above bank transaction
Documents
- Pan Card
- Aadhaar Card
- 6 months Bank Statement PDF
- IT File / Salary Slip
Benefits
- Complimentary Railway lounge access
- Interest free period 48 days
- Welcome benefits & monthly milestone
- Fuel surcharge waiver 1%
- Earn cashbacks & rewards
Credit Card is something like that. You saw some old movies where a jaminder-type man gives loans to lots of people and takes extra money if they are not paying money on time. Here jaminder means a bank that gives you a loan through Credit Card. And if you are not paying money on type, you must pay the principal amount with an interest rate.
Credit Card comes with a preloaded balance that can use for online transaction and other purposes. The credit card gives you up to 50 days of interest-free periods. If you pay on time, you will get extra rewards. But if you miss the payment, you must pay acceptable charges late.
Benefits of Credit Cards
Rewards: Credit Cards offer rewards points on every transaction.
Welcome Gifts: Most credit cards offer welcome gifts, discounts & more.
Cashback Offer: If you are an online transaction lover, you will get a colossal cashback offer through Credit Cards.
Convert to EMI: Easily convert your EMI on products purchase. But you have to pay interest on Credit card EMI.
Interest-free Period: Credit Card comes with a preloaded balance with up to 50 days interest-free period.
Increase CIBIL Score: Increase your CIBIL score through credit card uses. It is a fast way to increase your credit score.
Lounge Access: You can use a credit card with complimentary lounge access. Free railway & airport lounge access is available on Credit Cards.
Fee & Charges on Credit Cards
Rate of Interest | 16% to 22% per annum |
Late Payment Fee | Applicable |
Annual Fee | Rs. 499+ GST |
International Charges | 2-5% of the amount |
Cash Withdraw Fee | 2.5% of the withdraw amount |
Over Limit Fee | Applicable |
ATM Withdraw Fee | Applicable |
Credit Card Eligibility Criteria
- Indian Citizen
- Good CIBIL Score (730+)
- An annual income of more than 3 lakh (Salary / Self Employed)
- Age: 21 to 60 yr.
Difference Between Credit Cards & Debit Cards
Credit Card | Debit Card |
Credit Card comes with a Preloaded balance | A Debit card does not offer preloaded facility |
Get cashback & rewards points | Cannot get cashback & rewards points |
Interest rates are applicable | Does not charges any Interest Rates |
Welcome Gifts available | Does not offer welcome gifts |
Pre-approved loan available | Not available any pre-approved loan |
Charges on ATM cash withdraw | Free of charge ATM cash withdraw |
How to Apply for Credit Card
You can apply for a credit card through 24hrloan.in with easy steps:
Step 1: Check credit cards that are suitable for you.
Step 2: Click the “Apply Now” button after selecting a credit card.
Step 3: Enter your phone no & basic details.
Step 4: Fill in the KYC details.
Step 5: Now banks will check your eligibility score
Step 6: If you are eligible, the bank will call you to verify.
Step 7: After that, your Credit Card will be delivered to your nearest post office within 10 days.
Remember, Before using Credit Card
Remember some points before using a credit card:
Pay on time: Credit Card is good if you pay money on time. Credit Cards provide up to 50 days interest-free period. You should pay the money within this period to avoid extra charges.
Cash Withdraw: Don’t withdraw cash through Credit Card. Banks charge extra amounts for credit card money withdrawals. You have to pay a higher interest rate for cash withdrawals.
Massive Spending: Some people spend too much money on credit cards. But this will ruin your CIBIL score. Use a credit card when it’s urgent. Otherwise, your CIBIL will decrease.
Multiple EMI: Most of the time, we buy products for luxury and convert them to monthly EMI. This will impact on CIBIL score. Also, you have to pay a 13% to 18% interest rate. Use a credit card as per your need. Don’t use a credit card for lifestyle.
FAQs on Credit Card
You can apply for a credit card with Rs. 10,000 monthly salaries. But you have to maintain a good credit score.
Some online shopping purchase platform gives no-cost EMI offer. You can check out Flipkart & amazon before buying.
Yearly income should be a minimum of Rs. 2 lakh to apply for a Credit Card.
Usually, Credit Card annual charge is Rs. 499+ GST. But it will depend on which credit card you want to choose.
Banks charge 2.5% to 3% of the withdrawal amount. If your withdrawal amount is Rs.10,000, you must pay 10,000 and an extra charge of Rs. 300. So the total is 10,300.
Flipkart Axis bank Credit Card, Amazon pay ICICI Credit Card & SBI Credit Card are the best Credit Cards for online shopping.
Yes, you can get the card without income proof. But you have to make a fixed deposit of some amount to get the credit card.
1) Most people are trapped in credit card debt.
2) Your credit score will decrease if you cannot maintain it properly.