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About Credit Cards

A credit card is issued by a financial institution and gives the holder an option to borrow funds, usually at the point of sale.

  • Credit cards charge interest and are primarily used for short-term financing.
  • Interest usually begins one month after a purchase is made and borrowing limits are preset according to the individual's credit rating.

Credit Card Types

Reward Cards

Many credit cards have reward programs that can influence your spending. The perks may come in the form of cash, points or discounts. Points that accumulate, for instance, can be traded off for free hotel stays, merchandise, air travel car rentals and certificates.

Platinum or Titanium Card

Platinum or Titanium cards are similar to gold credit cards but they have few more additional benefits. The additional features may differ from bank to bank.

Gold Credit Card

Gold credit cards are made for higher income groups who also have higher credit rating. It is a status symbol and is considered prestigious. The features of gold credit cards are:

  • Cash withdrawal limit is higher; Credit limit is higher, Provides one Add-on card which can be given to either, spouse, children or parents of the credit card holder.
  • Provides many privileges such as travel insurance, reward points, cash back offers etc.

Business Credit card

This credit card is available for businessmen who have large scale, small scale or medium scale business to look after. This card is highly useful for facilitating businessman’s training programs, travel and entertainment programs.

Features of Credit Card

Simple procedure, minimal documentation, & quick approval

A Card can be approved with little documentation and does take little time to get approved and dispatched.


Credit cards or plastic cards decreased the fear of cash loss or theft. Credit cards are the replacement of cash at the time of emergency so. Some credit card issuers provide a number of protection features such as Security of Chip, PIN which gives additional protection.

Regular Payments

Those who need to spend regular amounts on home expenditures, fuel, movies, occasionally dine out, sometimes take a vacation trip. They should look out for Cards with low annual fee, more interest revolving credit, rewards/bonus points etc.


Those who need to have a Card for Emergency or kind hand-loan facility and belong to middle or lower-middle class. They should look out for Cards with reward/joining bonus points, no fuel surcharge, pay utility bills, no lost card liability, no annual fee, more interest free period etc.

Credit Card- Eligibility

  • 21 years of age for salaried individuals and 25 for self employed
  • 58 years of age for salaried individuals and 65 for self employed
  • Resident Indian
  • Rs 10,000
  • Salaried/ Self-employed professionals and nonprofessionals
  • *These are general terms only. Policy norms vary from bank to bank and customer to customer.

Credit Card- Documents

  • PAN Card, Passport, Driving License, Voter ID, Aadhar Card.
  • PAN Card, Passport, Driving License, Bank Verification form.
  • Passport, Driving License, Voter ID, Aadhar Card, Mobile/Land line Bill, Rental Agreement, Gas Bond with Bill, Sale Deed,Property Tax,Electricity Bill, Aadhar Card.
  • Latest 6 Months Bank Statement.
  • Latest 3 Months Payslips for Salried, 3 years ITR's If Self Employed.
  • One Photograph.

Frequently Ask Questions

Co-branded cards are offered by a credit card issuing company in partnership with a retail merchant. These cards offer more discounts and benefits to retail customers.

From the card issuing process to customer care, banks comply with PCI standards.

The supplementary card/add-on card fee is the fee payable per additional card that a member may request for a close family member. Any card under this head comes at a fee, which varies between Rs 150 to Rs 800. However, the overall credit limit remains the same since add-on cards do not get additional credit.

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