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

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Apply for the chosen credit card

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  • 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 cards have “credit limits”. This is the maximum amount you can spend or borrow using your card and is determined by various personal details like your income, source of income etc. The credit limit is normally raised or lowered depending on your previous year’s track record in terms of spending and repayment.
  • Credit cards also have the system of “reward points” to incentivise frequent use. These points can be redeemed for gifts, select product purchases and even for paying the annual fees.
  • The credit period is the duration within which a customer needs to pay the purchase amount balance on the credit card.
  • APR is the annual percentage rate of interest to be paid on the balance carried on a credit card. There are different types of APRs, the most common being introductory APRs, fixed APRs, and variable APRs.

Eligibility

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FAQ's

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  • 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.

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