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    Credit cards impose the condition that cardholders pay back the borrowed money, plus any applicable interest, as well as any additional agreed-upon charges, either in full by the billing date or over time.

    Features & Benefits of a Credit Card

    Welcome Gift Many banks offer a welcome gift to new credit card applicants once the card is issued to them in the form of bonus reward points, vouchers, discounts, etc.
    Rewards Program All credit cards generally have a reward program, which allows cardholders to earn reward points on every transaction they make using their cards.
    Fuel Surcharge Waiver Banks offer a fuel surcharge waiver to the cardholders on spending a specific amount of money on fuel every month.
    Cashback Benefits Many credit cards offer cashback benefits to customers.
    Lifestyle Benefits Cardholders can enjoy various lifestyle benefits on their credit cards such as offers on dining, shopping, wellness, entertainment, etc.
    Travel Benefits Travel benefits of credit cards include air miles, airport lounge access, travel insurance, airline offers, hotel offers, etc.
    Airport Lounge Access Some credit cards offer complimentary airport lounge access to the cardholders. The offer varies from one bank to another.
    Add-on Cards Many banks allow their credit cardholders to apply for add-on credit cards for their immediate family members.
    Insurance Coverage Some premier cards provide a comprehensive insurance policy that provides coverage against air accidents, life, lost baggage, lost card, outstanding, etc.
    Balance Transfer Credit cardholders can transfer the outstanding balance of their existing cards issued by one bank to the credit card account of another bank.
    Global Acceptance Today, most credit cards that are issued in India are international credit cards and are accepted by various merchants all over the world.
    EMI Conversion The feature allows credit card members to convert their credit card transactions into easy monthly installments (EMI).
    Credit Score Owning a credit card helps you build a healthy CIBIL score. By making timely payments on your card and in full, you receive a positive credit score from a credit bureau, CIBIL.

    Documents Required to Apply for a Credit Card

    Requirements Salaried Individuals Self Employed
    ID Proof Passport, PAN card, Aadhar card, Voter’s ID Passport, PAN card, Aadhar card, Voter’s ID
    Residential Proof Aadhar Card, Electricity Bill, Telephone bill Aadhar Card, Electricity Bill, Telephone bill
    Income Proof Salary Certificate, Recent Salary slip/s, Employment Letter Certified Financials, Recent ITR Statement, Passport


    If you have received a SMS to avail the offer to increase your credit card limit, you may reply to the SMS and we will get in touch with you. Alternatively, if you want to know the eligibility, you may call our Customer Care by authenticating with your credit card and PIN.

    This is the maximum amount that one can spend on their card. When you have a high limit for the credit card, it allows you to spend more and this will help your credit scores.

    There is no cap on the number of times the limit can be changed.

    Credit Card can be sent only to the mailing address updated in the records. In your absence, you can leave an authorisation letter with your family members along with a valid ID proof to accept the delivery.

    A credit card gives you a line of credit and you can use this to make balance transfers, all kinds of purchases, and cash advances. You will have to pay back the amount by the date specified by the bank. When you use a credit card, you have to keep in mind the minimum payment to be made every month by the due date.

    Even if you do not have a job and have a pretty substantial cash inflow into your account every month or so, you are eligible for a credit card.