A credit card is a gateway to seamless transactions and exclusive rewards. Enjoy the flexibility of making purchases online or in-store. With attractive interest rates, features, rewarding benefits and flexible EMI options, the our credit card empowers you to manage expenses efficiently. Apply for a credit card online to shop, travel, dine and do much more to make your life more rewarding.
How credit card work
A credit card works by allowing cardholders to make purchases or pay for services with borrowed funds from the card issuer. When a cardholder uses a credit card for a transaction, the card issuer pays the merchant on behalf of the cardholder. The cardholder is then required to repay the borrowed amount to the credit card issuer within a specific time, usually on a monthly billing cycle.
eligibility criteria
The eligibility criteria for a credit card may vary depending on the credit card type. However, some common factors considered for credit card eligibility include:
- Age: Typically, the minimum age requirement is 18 years or above
- Income: Most issuers require a minimum income level to ensure the cardholder's ability to repay the borrowed funds
- Employment status: Regular employment, self-employment, or a steady source of income may be required.
- Credit history: A good credit history demonstrates responsible credit behaviour, increasing the chances of approval.
- Residency: Some issuers may require applicants to be residents or citizens of the country where they are applying for the credit card
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