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Credit Card

Are you also one of those getting confused over multiple credit card options? We are here to guide you with all material to help you make the best decision. Whether its about reward points, cashbacks, joining fee or anything else- we will help you select the best credit card based on your needs.

What is a credit card?

A credit card is a plastic card used to buy something without any money right from the start of its use. The credit card issuer bank will lend you a certain quantity of cash in the form of that card. The only thing is that you need to pay the sum back within a fixed period, along with the relevant interest and GST fees. The bank prepares your credit card statement with a history of the transaction and a break-up due. To maintain yourself away from additional charges and penalties, you must pay the exceptional sum by the due date indicated in the declaration. A credit card may be used for both online and offline purposes.A credit card is a plastic card used to buy something without any money right from the start of its use. The credit card issuer bank will lend you a certain quantity of cash in the form of that card. The only thing is that you need to pay the sum back within a fixed period, along with the relevant interest and GST fees. The bank prepares your credit card statement with a history of the transaction and a break-up due. To maintain yourself away from additional charges and penalties, you must pay the exceptional sum by the due date indicated in the declaration. A credit card may be used for both online and offline purposes.

Applying for a credit card?

The method of applying for a credit card is not only simple, but also quick. All you need to do is fulfill the eligibility requirements and fill in a few information. Steps to apply for a loan card: Login to the official website of your bank.

  • Fill in the right information (as requested) to fulfill the eligibility requirements.
  • Choose from a range of credit cards accessible according to your demands.
Why should you get a credit card?

With digitalization and internet payments leaving no room for traditional money handling practices, credit cards are the best choice for every transaction. They're not just hassle-free payment alternatives, but every shopping comes with reward points or cashback! The other significant characteristic is that you have 20-50 days to pay the quantity back to the bank. Isn't that great?

Credit card benefits
  • Welcome Gift: some banks give welcome gifts along with credit cards. These may be donation vouchers, bonus points, discounts, etc. The nature of the donation of welcome varies from bank to bank.
  • Reward Points Program: Almost all credit cards come with a reward points function, which implies that you will receive some reward points for every transaction you make using your credit card. The number of reward points is fixed and differs from card to card. After that, you can redeem these reward points for different donations, i.e. unique discounts, cashbacks, products, etc., according to the card's reward point.
  • Cashback: Few loan cards come with cash-back advantages. The proportion of cash back relies on the bank's credit card issuer. For instance, you can attempt purchasing a fresh iPhone with an enormous cash back on a credit card.
  • Fuel Surcharge Waiver: This implies that whenever you spend a certain quantity of money on fuel, surcharge is waived.
  • Travel & Lifestyle Advantages: Nowadays, privilege loan cards offer clients countless advantages such as appealing miles, airport lounge access, travel insurance, flight ticket deals, hotel offers, dining, shopping, games, health & wellness, entertainment, etc.
Difference between credit & debit card

A credit card allows you to make any transaction on a credit basis, which means that you don't have to pay money immediately but get a certain quantity of moment to pay back the quantity you spent. Whereas a debit card enables you to spend cash on your savings account or your current account, it does not need to be repaid.

Frequently Asked Questions

How to use a credit card?

If you are a credit card user for the first time, BankAlert.in will tell you how to use your credit card issued.

Each credit card comes with a credit limit, which implies the quantity of cash you can use for transactions. It's the amount you borrowed from a bank card issuer. You need to repay this sum every month after you have been e-mailed or posted your transaction declaration.

You need to get your card taken by the merchant / seller / seller etc to create credit card payments. You will be advised to enter the PIN number you receive with your credit card kit (or the new one if you have adjusted your current PIN card). If you use it for online transactions, you need to enter your credit card number, name, validity, CVV and OTP (One Time Password) that goes to your registered phone number for transaction authentication.

What is grace period?

A grace period is provided for payment of purchases made on a credit card. Interest is added to the complete buy quantity after this period. Please be informed that no cash advance is included in this grace period.

What documents are essential for credit card?

The eligibility requirements for a credit card and the compulsory paperwork differ from one bank to another. Identity Proof: Keep your GOI Authorized Identity Proof handy, e.g., AADHAAR, Voter I d, Driving License, Passport, PAN Card, etc., when applying for a credit card.

  • Salary Proof: Up-to-date income proofs such as bank statements of past six months or three months in some cases, salary slips etc. are considered valid income proofs by the banks.
  • Address Proof: You need to maintain a valid evidence of your local address, i.e. evidence of your present residence / office. Generally, passport, voter I d, telephone bill, etc. are regarded to be evidence of address.
  • Photo: You must take more than two or three passport-sized pictures to process your application for a credit card.

What are different types of credit card charges?

You have to ask yourself what kind of fees you would be charged if you were using a credit card? Below is a list of the most popular credit card fees given to the client: Joining fee: the enrolment fee that you are requested to pay when applying for a credit card. In some instances, no membership fee is paid. It depends on the card issuer's bank whether or not it intends to issue a specific credit card with or without a membership fee.

  • Annual Fee: This is the annual fee paid when the credit card is given to you. Many cards are free of annual fees and many charge a large quantity depending on the privileges they give.
  • Late Payment Fee: If, somehow, you did not pay the exceptional quantity within or before that time.
  • Cash Withdrawal: it's better called cash advance interest. It is charged if you have used the money withdrawal service on your credit card.
  • Over Limit Fee: If you exceed the credit limit on your credit card, you will be charged by the bank with over-limit fees.

Why bankalert best for choosing a credit card?

Depending on your diverse requirements, BankAlert particularly scrutinizes the best credit cards for you. Choices are based on your wage spectrum, eligibility for credit, place, etc. Just for your convenience, we will directly transfer you to the selected bank's website to apply for the credit card you want.

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