Overview
Find and apply for credit cards from participating banks and issuers. Compare features, rewards, and benefits to choose the right card for your spending pattern.
Who Can Apply
- Salaried or self-employed individuals
- Minimum age: 21 years
- Minimum income as per issuer requirements
- Good credit history (typically 700+ CIBIL score)
Key Benefits
- Cashback and reward points
- Welcome benefits and joining offers
- Travel, dining, and shopping privileges
- Interest-free credit period
Required Documents
- Identity proof (Aadhaar, PAN)
- Address proof
- Income proof (salary slips / ITR)
- Bank statements (last 3 months)
- Photograph
- Existing credit card statement (if applicable)
Application Process
- Check your eligibility online
- Get matched with suitable lenders
- Submit required documents
- Application reviewed by lender
- Receive sanction letter from lender
- Complete agreement formalities
- Disbursement by lender
Frequently Asked Questions
The credit limit is determined by the issuing bank based on your income, credit history, existing obligations, and overall credit profile.
Most credit cards offer a 20–50 day interest-free period on purchases, provided you pay the total outstanding by the due date.
Some credit cards have an annual fee while others offer lifetime free or fee-waiver options based on annual spend. Check the specific card terms.
Late payments attract interest charges, late payment fees, and may negatively impact your credit score. Always pay at least the minimum amount due by the due date.