Credit Cards

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A credit card is a payment card that allows you to purchase goods and services, or withdraw cash, on credit. Credit cards are issued by banks and are one of the most common forms of payment worldwide.

Credit Card Types

Secured Credit Cards: Cards that require a deposit as collateral, reducing the risk for the issuer
Unsecured Credit Cards: Cards that don't require collateral and are based on the applicant's creditworthiness
Cashback Credit Cards: Cards that offer cashback on eligible purchases
Travel Credit Cards: Cards offering rewards and benefits related to travel, such as air miles or hotel discounts
Reward Credit Cards: Cards that accumulate points or miles for every purchase, redeemable for rewards
RuPay Credit Cards: Credit cards issued on the RuPay network, primarily for Indian consumers
No-Annual Fee Credit Cards: Cards that do not charge an annual fee for usage

Credit Cards Features & Benefits

Earn Rewards: Accumulate points, cashback, or miles on your purchases
Fraud Protection: Protection against unauthorized transactions with zero liability in case of fraud
Increased Spending Power: Higher credit limit compared to debit cards, giving more spending flexibility
Financial Flexibility: Ability to make purchases and repay over time, managing finances better
Convenient Travel: Travel-related perks such as airport lounge access, discounts, and travel insurance
Build Credit: Responsible usage and timely payments help improve your credit score

Credit Card Eligibility

Age Limit: 23 - 59 years
Type of Employment: Salaried or self-employed professionals
Employment Status: Employed or in business for at least 2 - 5 years
Minimum Net Monthly Income: Rs. 20,000 and above
Work Experience: 1 to 3 years or more
Credit Score: CIBIL score of 700 or more
Maximum EMI: Up to 75% of monthly income

List of Documents

PAN Card Copy: A copy of the applicant’s PAN card
Aadhaar Card Copy: A copy of the applicant’s Aadhaar card
1-2 Months Latest Salary Slip: Recent salary slip for the past 1-2 months
Form No. 16: Latest Form No. 16 from the employer for income tax purposes

Disclaimer: Finoneeds works with a network of lenders. They can compare loan offers from these lenders and help you apply for the one that best< suits your needs. Essentially, they act as a go-between for you and the lenders.

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Comparative Analysis

Financial Institutions ▲	Rate of Interest ▲	Loan Amount ▲	Processing Fee ▲	Foreclosure Condition ▲	Foreclosure Charges ▲	Part Payment Options ▲	Disbursal TAT ▲	Minimum Monthly Income ▲
HSBC Bank Personal Loan	9.99% - 16.00% p.a.	Up to Rs.35 lakh	1%	Post 1 Year	4%	NO	3-4 Days	30K
HDFC Bank Personal Loan	10.75% - 24.00% p.a.	Up to Rs.45 lakh	Up to 7999/-	Post 1st EMI	4%	NO	1-2 Days	30K
IndusInd Bank Personal Loan	10.49% p.a. onwards	Up to Rs.30 lakh	1.50%	Post 1 Year	4%	NO	3-4 Days	30K
ICICI Bank Personal Loan	10.85% - 16.25% p.a.	Up to Rs.45 lakh	Up to 9999/-	Post 6 Months	4%	NO	1-2 Days	30K
Yes Bank Personal Loan	11.25% p.a. - 21% p.a.	Up to Rs.25 lakh	1.50%	Post 1 Year	4%	NO	3-4 Days	30K
Kotak Mahindra Bank Personal Loan	10.99% p.a. onwards	Up to Rs.35 lakh	1.50%	Post 1 Year	4%	NO	3-4 Days	30K
IDFC First Bank Personal Loan	10.99% p.a. onwards	Up to Rs.25 lakh	1-2%	Post 6 Months	4%	NO	1 Day	28K
Tata Capital	10.99% onwards	Up to Rs.25 lakh	1.5-2%	Post 6 Months	4%	Yes	2-3 Days	30K
Bajaj Finance	10.99% onwards	Up to 38 Lakhs	Up to 2%	Post 3 Months	4%	Yes	1 Day	35K
SMFG India	13% onwards	Up to Rs.20 lakh	Up to 3%	Post 6 Months	4%	NO	3-4 Days	30K
Aditya Birla Capital	14% onwards	Up to Rs.35 lakh	Up to 3%	Post 1 Year	4%	Yes	3-4 Days	30K
Credit Saison	16% onwards	Up to Rs.15 lakh	Up to 2.5%	Post 1 Year	4%	NO	3-4 Days	30K
Fincare	20% onwards	Up to Rs.5 lakh	Up to 4%	Post 6 Months	4%	NO	2-3 Days	30K
Incred Finance	24% onwards	Up to Rs.10 lakh	Up to 4%	Post 6 Months	4%	NO	2-3 Days	30K
L&T Finance	16% onwards	Up to Rs.25 lakh	1.5-2%	Post 6 Months	4%	YES	2-3 Days	30K
Cholamandalam Finance	13% onwards	Up to Rs.25 lakh	Up to 3%	Post 6 Months	4%	NO	2-3 Days	30K
Poonawalla Fincorp	13% onwards	Up to Rs.40 lakh	1.5-2%	Post 6 Months	4%	YES	2-3 Days	30K