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One can easily apply for a credit card by visiting the nearest bank, through the bank's website, or third-party platforms like Paisabazaar. You will need common documents like identity & address proof, income statements, etc. depending on the provider.
A CIBIL score is a three-digit number ranging from 300 to 900 which determines your creditworthiness depending on your credit history and previous repayments. A higher score indicates a stronger profile, increasing chances of credit approval at lower fees.
You can pay your credit card bills through any UPI app, the bank’s app or website, or by visiting the nearest bank branch.
On eligible spendings, credit cards offer credit points that can be redeemed gift vouchers, merchandise, cashback, travel bookings, etc.
Yes, common charges include joining fees, annual fees, late payment fees, and forex charges which may vary depending on the credit card provider.
Some of the top reward credit cards in India include HDFC Regalia Gold, American Express SmartEarn, and SBI Card PRIME.
A reward credit card offers reward points on eligible purchases which can be later redeemed to buy merchandise, shop, book travel tickets, etc. whereas a cashback credit card offers a certain percentage of eligible spendings directly into your bank account as cashback.
A credit limit is the maximum amount you can spend through your credit card in a month which depends on your CIBIL score and repayment history.
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