Best Credit Cards in Chennai

  • HDFC Bank
  • ICICI Bank
  • Citi
  • RBL
  • INDUSIND Bank
  • Yes Bank
  • AMEX
4.9 / 5 (12 Reviews)

Why apply through CreditMantri

Quick and easy approval for Credit Cards in Chennai CreditMantri matches your credit and demographic profile to lender's Credit Card lending criteria - others just match your demographic criteria. We shortlist lenders willing to lend to you Credit Cards in Chennai, based on our proprietary matching algorithm.

In effect, we pre-screen your application to make sure you are likely to qualify as per the lender’s credit criteria. We upfront check whether you qualify for Credit Card in Chennai Hence the chances of your Credit Card application getting approved is higher. We even try our best to help people with low CIBIL Score, get a Credit Card in Chennai.

reward type

Travel

annual fee

Nil*

joining fee

Nil

  • Five Complimentary accesses to 500+ Lounges worldwide in a calendar year.
  • Unlimited Complimentary access to 25+ lounges across domestic Airports in India
  • Access unique, luxury stay experiences with Small Luxury Hotels of the World with special offers from Taj Group of Hotels.
  • Unparalleled protection with air accident cover up to Rs. 1 crore, Overseas emergency hospitalization cover of Rs. 25 lakh and Rs. 50,000/- travel insurance on baggage delay / loss
  • Earn 4 reward points for every Rs. 150/- retail spends and 8 reward points for every Rs.150/- retail spends on www.hdfcbankdinersclub.com
  • APR - 39% p.a
  • Annual fee - Nil (if applied online)
  • Atleast 2 photos and signature bearing national identity cards
  • Proof of address -Ration card,electricity bill etc. can be submitted
  • PAN card, Form 16 and the Income Tax Returns Statement

reward type

Travel

annual fee

1000₹*

joining fee

1000₹*

  • Exclusive 24/7 Concierge Services on Your HDFC Bank Diners Club Credit Card. All your exclusive booking needs will be taken care by the concierge while you enjoy the exciting moments.
  • Book Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com and get 2X Reward Point
  • Air accident cover up to Rs. 50 lakhs.
  • Double Reward Points on Grocery, Supermarket purchases, Dining and Airline Ticketing. Double Reward Points on incremental retail spends greater than Rs.10000
  • Earn 3 reward points for every Rs. 150/- retail spends and 6 reward points for every Rs.150/- retail spends on www.hdfcbankdinersclub.com
  • Rs 1 L in 12 months for subsequent year fee waiver
  • Spend Rs. 15,000 within first 90 days from card set up date and get waiver of 1st year membership fee.
  • APR - 40.8% p.a
  • Annual Fees - Rs. 1,000/-
  • Joining fees – Rs. 1,000/-
  • Atleast 2 photos and signature bearing national identity cards
  • Proof of address -Ration card,electricity bill etc. can be submitted
  • PAN card, Form 16 and the Income Tax Returns Statement

reward type

Cashback

annual fee

500₹*

joining fee

500₹*

  • Fuel Surcharge Waiver capped at Rs. 250 every billing cycle (ST applicable).
  • Redeem Reward points as Cash back on your MoneyBack Credit Card (100 Reward Points = Rs 40)
  • 200% more Reward Points on all your online retail spends
  • Zero Lost Card liability post reporting of the loss of card
  • 2 Reward Points for every Rs. 150 you spend
  • Rs 50,000 in 12 months for subsequent year fee waiver
  • Spend Rs. 10,000 within first 90 days from card set up date and get waiver of 1st year membership fee.
  • APR - 40.8% p.a
  • Annual Fees - Rs. 500/-
  • Joining fees – Rs. 500/-
  • Atleast 2 photos and signature bearing national identity cards
  • Proof of address -Ration card,electricity bill etc. can be submitted
  • PAN card, Form 16 and the Income Tax Returns Statement

reward type

LifeStyle

annual fee

Nil*

joining fee

Nil

  • Get Rs. 1,000 Shoppers Stop vouchers on Rs. 75,000 spends every 6 months.
  • Enjoy shopping with Shoppers Stop vouchers of total worth Rs. 2,000 every year.
  • Earn a CashBack of more than Rs. 4,000 on RP accumulated by spending Rs. 5 lakh on your card.
  • Save Rs. 1,500 in a year on your fuel transactions
  • 3 Reward Points on Rs. 150 spent. 50% more Reward Points on dining and grocery spends
  • Annual fee - Nil (if applied online)
  • Atleast 2 photos and signature bearing national identity cards
  • Proof of address -Ration card,electricity bill etc. can be submitted
  • PAN card, Form 16 and the Income Tax Returns Statement

reward type

LifeStyle

annual fee

Nil*

joining fee

Nil

  • Get a complimentary Priority Pass Membership for preferential and free access to 600 airport lounges around the world.
  • Enjoy a complimentary Taj Epicure Plus Membership Card that entitles you to some very exquisite benefits* at Taj Hotels and Resorts.
  • Reward Points each time you stay, 10% discount on the rack rate at Taj Leisure Hotels in India, 10% discount on telephone and fax usage charges, 15% discount on laundry and 20% discount on business centre services.
  • Unparalleled protection with air accident cover up to Rs. 1 crore and overseas emergency hospitalization cover of Rs. 12 lakh
  • Earn 8 reward points on all purchases at www.hdfcbankregalia.com and 6 reward points for every Rs.150/- dining spends and 4 reward points for every Rs. 150/- other spends.
  • APR - 23.88% p.a
  • Atleast 2 photos and signature bearing national identity cards
  • Proof of address -Ration card,electricity bill etc. can be submitted
  • PAN card, Form 16 and the Income Tax Returns Statement

reward type

LifeStyle

annual fee

Nil*

joining fee

500₹

  • 2X Cash rewards on dining, groceries and at supermarkets
  • 2 complimentary domestic airport lounge visits per quarter
  • 2 complimentary movies every month under the Buy One Get One offer through www.bookmyshow.com
  • Minimum 15% savings on dining bills at over 800 restaurants across India through Culinary Treats Program
  • Earn 4 PAYBACK points for every Rs.100/- spent on dining, groceries & shopping at supermarkets
  • APR - 40.8% p.a
  • Joining fee - 500 (on spends of atleast 1,000 within 60 days)
  • Application form with 2 photographs
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Passport,Utility bill, Aadhar, Driver's license, Lease agreement
  • Salaried - Salary slip for 3 months
  • Self employed - Office address proof, latest 3 months bank statement, audited financials for last 2 yrs and latest 6 months balance sheet

reward type

Fuel

annual fee

Nil*

joining fee

Nil*

  • 2.5% cashback (maximum of Rs.100 per month) on fuel purchases at HPCL pumps
  • 2.5% fuel surcharge waiver (up to a maximum of Rs.4,000) at HPCL pumps
  • Accelerated 2.5X Rewards, ie. on every Rs.100/- spent get 5 PAYBACK points on fuel spends at HPCL pumps & 2 PAYBACK points on all other spends
  • Get Rs.100/- when you book movie tickets on www.bookmyshow.com (maximum twice a month)
  • Minimum 15% savings on dining bills at over 800 restaurants across India through Culinary Treats Program
  • APR - 40.8% p.a
  • Joining fee - NIL (on spends of atleast 5,000 within 60 days or else 199/-)
  • Annual fee - 199/- (Waived if spends exceed 50000/- in previous year)
  • Application form with 2 photographs
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Passport,Utility bill, Aadhar, Driver's license, Lease agreement
  • Salaried - Salary slip for 3 months
  • Self employed - Office address proof, latest 3 months bank statement, audited financials for last 2 yrs and latest 6 months balance sheet

reward type

Cashback

annual fee

Nil*

joining fee

Nil*

  • Security of a chip card to protect against the risk of fraud
  • Rewards powered by PAYBACK, redeemable for exciting gifts and vouchers
  • 2.5% fuel surcharge waiver at HPCL pumps
  • Minimum 15% savings on dining bills at over 800 restaurants across India through Culinary Treats Program
  • Earn 2 PAYBACK points for every Rs.100/- spent for all retail purchases, except fuel
  • APR - 40.8% p.a
  • Joining fee - NIL (on spends of atleast 2,000 within 60 days or else 199/-)
  • Annual fee - 99/- (Waived if spends exceed 50000/- in previous year)
  • Application form with 2 photographs
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Passport,Utility bill, Aadhar, Driver's license, Lease agreement
  • Salaried - Salary slip for 3 months
  • Self employed - Office address proof, latest 3 months bank statement, audited financials for last 2 yrs and latest 6 months balance sheet

reward type

Rewards

annual fee

Nil*

joining fee

Nil

  • Earn 10 Reward Points for every ₹125 spent at apparel and department stores and 50 other partners
  • Get 1,500 bonus points on first-spend made within 30 days of Card issue
  • Get 1,000 bonus points on your first Rs1000 spend made within 60 days of card issue
  • Never Expiring Miles
  • Birthday Rewards: Get 500 birthday bonus points on every birthday. Only on Citi rewards VISA Card
  • Earn double reward points on all fuel spends. Offer valid till 31st March 2017.Click here to view Terms and Conditions
  • APR - 39% p.a based on card spends, credit limit utilization etc.
  • Annual fee - NIL (if annual spend > Rs30, 000 or more on your Card, otherwise 1000/-)
  • Atleast 2 colour photographs
  • ID proof - Aadhar, Passport, Driving license, Voter ID etc
  • Proof of address -Ration card,electricity bill etc. can be submitted

reward type

Travel

annual fee

3000₹

joining fee

Nil

  • Earn accelerated 10 Miles per ₹100 when you book flight tickets, hotel stays, and car rentals at the dedicated Premier Miles website
  • Never Expiring Miles & No Blackout dates
  • Double Miles - If you are a Frequent Flyer Program (FFP) member of any airline, then you earn Miles for the ticket purchased at 10 Miles per ₹100 rate
  • Earn 4 Miles for every ₹100 spent on all other transactions
  • Air Accident Insurance Cover of up to ₹1 Crore
  • Earn double reward points on all fuel spends. Offer valid till 31st March 2017.Click here to view Terms and Conditions
  • APR - 37.2% to 42% based on card spends, credit limit utilization etc.
  • Annual fee - 3000/-
  • Atleast 2 colour photographs
  • ID proof - Aadhar, Passport, Driving license, Voter ID etc
  • Proof of address -Ration card,electricity bill etc. can be submitted

reward type

Cashback

annual fee

500₹

joining fee

Nil

  • 5% cash back on movie ticket purchases
  • 5% cash back on all your telephone bill payments
  • Pay through Citi Online Bill Pay and get 5% cash back on Utility Bill Payments
  • 0.5% Cash Back on all other spends
  • Earn double reward points on all fuel spends. Offer valid till 31st March 2017.Click here to view Terms and Conditions
  • APR - 37.2% to 42% based on card spends, credit limit utilization etc.
  • Annual fee - 500/- Annual Fee is billed in the first month statement of card issuance and incrementally every 12 months thereafter
  • Atleast 2 colour photographs
  • ID proof - Aadhar, Passport, Driving license, Voter ID etc
  • Proof of address -Ration card,electricity bill etc. can be submitted

reward type

Travel

annual fee

Nil*

joining fee

Nil

  • 4 Turbo Points on ₹150 of fuel purchases at authorized IndianOil Retail Outlets across the country
  • 2 Turbo Points on ₹150 at grocery and supermarkets
  • Full waiver of the fuel surcharge (2.5%) on fuel purchases
  • Get Rs.200 worth of free fuel with every Additional Card
  • Earn double reward points on all fuel spends. Offer valid till 31st March 2017.Click here to view Terms and Conditions
  • APR - 39% p.a based on card spends, credit limit utilization etc.
  • Annual fee - NIL (if annual spend > Rs30, 000 or more on your Card, otherwise 1000/-)
  • Atleast 2 colour photographs
  • ID proof - Aadhar, Passport, Driving license, Voter ID etc
  • Proof of address -Ration card,electricity bill etc. can be submitted

reward type

Shopping

annual fee

500₹*

joining fee

500₹*

  • Redeem your Reward points against Snapdeal vouchers for Online Shopping
  • 10% CashBack on FreeCharge
  • 5% CashBack on Ola
  • Rs. 1000 Instant CashBack on Cleartrip
  • Fuel Surcharge Waiver capped at Rs. 250 every billing cycle (ST applicable)
  • Rs 1.5 L in 12 months for subsequent year fee waiver
  • APR - 40.8% p.a
  • Annual Fees - Rs. 500/-
  • Joining fees – Rs. 500/-
  • At least 2 photos
  • ID proof (any one) – Signature bearing national identity cards
  • Address proof (any one) – Ration card, Electricity bill
  • PAN card, Form 16 and the Income Tax Returns Statement

reward type

Travel

annual fee

1000₹*

joining fee

1000₹*

  • Specific Reward - 3X JP miles for flights tickets booked on www.jetairways.com
  • Welcome benefit of One Base Fare Waived Jet Airways Ticket and One Rs. 750 discount voucher for booking return ticket online on Jet Airways website
  • Welcome benefit of upto 4000 Bonus JP Miles for first year (2000 Bonus JPMiles on first swipe of card & 2000 Bonus JPMiles on spending Rs. 50000 – both within 90 days of card issuance)
  • Renewal benefit of 2000 Bonus JPMiles on your first swipe of card within 90 days of renewal date
  • Earn 5 JPMiles on Rs. 150 spends and 15 JPMiles on booking flight tickets on Jet Airways or Jet Konnect website
  • 5% discount on booking domestic or international ticket on Jet Airways or Jet Konnect website
  • Rs 2.5 L in 12 months for subsequent year fee waiver
  • APR: 39% p.a
  • Annual fees - Rs. 1,000/-
  • Joining fees – Rs. 1,000/-
  • At least 2 photos
  • ID proof - Signature bearing national identity cards
  • Address proof – Ration card, Electricity bill etc.
  • PAN card, Form 16 and the Income Tax Returns Statement

reward type

Rewards

annual fee

Nil

joining fee

Nil

  • Per 100₹ spent on,
    • Shopping in departmental stores - Get 4 savings points
    • Purchase of consumer durables or electronic items – Get 2 savings points
    • Restaurant bills – Get 1.5 savings points
    • Books – Get 1.5 savings points
    • All Other Spends – Get 0.5 savings points
  • Redeem your Reward Points from The More Store, Cash Credit for 1 RP = INR 0.50, Airline Miles on partner airlines, Genesis Luxury Vouchers, Oberoi Hotels & Resorts Stay vouchers
  • Fuel Surcharge waiver for transactions between INR 400 to 4000
  • APR – 46%
  • Annual fees - 0
  • Joining fees – 0
  • Duly filled and Signed application Copy.
  • KYC documents ( List attached)
  • Address proof of latest address - In case permanent address proof provided as part of KYC address proof.
  • Pay Slip of last three months
  • Salary Bank account mandatory to be filled in application Copy.

reward type

Rewards

annual fee

2000₹

joining fee

2000₹

Benefits Worth Rs. 20,000 Every Year

  • Welcome Benefit: 8000 reward points on activation of card within 60 days of card setup
  • Reward points: Get 2 reward points per Rs.100 spent for all spends
  • Accelerated Rewards: Get 10 reward points per Rs.100 for all spends on dining, utility bills, international spends, entertainment & fuel
  • Earn BONUS POINTS: Spend 2Lacs in a year, Get 10,000 bonus points. Spend 3.5Lacs in a year, Get additional 10,000 points
  • 12 Free Movie Tickets: Get 1+1 free movie ticket (Up to Rs.200/-) on bookmyshow once a month any day of the week
  • Airport lounge access: 2 free visits per calendar quarter in Domestic airport lounges
  • Joining fees – Rs 2000/-
  • Annual fees – Rs 2000/-
  • 1 Recent coloured Passport Size photograph
  • Filled application form
  • ID Proof - PAN card (mandatory)
  • Address proof – Driving License / Passport / Voter ID / Aadhaar card / Ration card

reward type

Travel

annual fee

42% P.A

joining fee

N.A

  • Welcome gift1 will consist of 2 MakeMyTrip vouchers, each worth Rs.1,000
  • Up to 70% instant discount on hotel bookings made via MakeMytrip.com, valid till 30th September, 2017
  • Get a MakeMyTrip voucher worth Rs. 2,000 on spending Rs. 1.25 lacs and an additional MakeMyTrip voucher worth Rs. 5,000 on spending Rs. 2.5 lacs, every year.
  • Get 3% cash back* at leading fuel stations across India. Click here to know more. *T&Cs apply.
  • Annual fees – INR 1500/-
  • Joining fees –INR 750/-
  • 2 passport size color photos
  • passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Salaried -Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self employed - Last year ITR along with Bank Statement for last 3 months and Form 16

reward type

Travel

annual fee

40.2% P.A

joining fee

N.A

  • Welcome Gift2 of 5,000 Milestone Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs.4000
  • Spend Rs.1.90 lacs in a year and get Travel Vouchers3 worth up to Rs.7,700
  • Spend Rs.4 lacs in a year and additionally get Travel Vouchers3 worth up to Rs.11,800. Also get a voucher worth Rs.10,000 from the Taj Group
  • Get 3% cash back* at leading fuel stations across India. Click here to know more. *T&Cs apply.
  • Annual fees – INR 5000/-
  • Joining fees –INR 3500/-
  • 2 passport size color photos
  • passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Salaried -Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self employed - Last year ITR along with Bank Statement for last 3 months and Form 16

reward type

Rewards

annual fee

42% P.A

joining fee

N.A

  • Earn multiple Points from more than 40 PAYBACK partners1 and 3 PAYBACK Points from American Express PAYBACK Credit Card for every2 Rs. 100 spent.
  • Earn 900 Bonus PAYBACK Points on spending Rs. 15,000 within 60 days of Card approval.
  • Get welcome vouchers3 worth Rs. 3,000.
  • Get 3% cash back5 at leading fuel stations across India exclusively with your AMEX Card. Click here to register and to avail the offer. For the list of participating outlets click here. Offer valid till 30th June, 2017
  • Enjoy exciting discounts on dining, travel and online shopping.
  • Annual fees – INR 1500/-
  • Joining fees –INR 750/-
  • 2 passport size color photos
  • passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Salaried -Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self employed - Last year ITR along with Bank Statement for last 3 months and Form 16

reward type

Rewards

annual fee

Nil

joining fee

Nil

  • Best in class Interest Rates starting from 2.4% pm & Foreign Currency Markup of 3%. T&C Apply
  • Upto 6 reward points for every Rs.100 spent. Reward points that never expire.
  • Welcome benefit of 1,500 Reward Points on total spends of INR 7,500 or more within 30 days of card set-up
  • Complimentary Priority Pass Membership and Domestic Lounge Access
  • Accelerated earn rate on your Birthday, Online, Dining and International Spends
  • Redeem Reward Point for Airline Ticket / Hotel Booking or Movie Tickets booking on Dedicated Rewards Redemption Portal
  • 15,000 Bonus Reward Points on spends of INR 6 Lakhs or more every anniversary year
  • Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
  • Interest Rate (APR): 2.4% pm
  • Processing Fee: NIL
  • Joining Fees: NIL
  • Annual Fees: NIL
  • ID Proof - Pan Card/ Driving License/ Passport/ Voter ID card/ Aadhar card (with Photo)/ Letter issued by Unique Identification authority of India (with Photo)/ NREGA Card(with photo)
  • Address Proof - Driving License/ Passport/ Voter ID card/ Aadhar card (with Address)/ Letter issued by Unique Identification authority of India (with Address)/ NREGA Card(with Address)
  • Signature Proof - Pan card/ Driving License/ Passport/ NREGA Card(with Signature)

reward type

Travel

annual fee

Nil

joining fee

Nil

  • Best Interest Rates starting from 1.2% pm & Foreign Currency Markup of 1.75%. T&C Apply
  • 8 reward points for every Rs.100 spent. Reward points that never expire.
  • Complimentary Lounge Access with Priority Pass Membership & Domestic Lounge Access
  • 20,000 Bonus Reward Points on spends of INR 7.5 Lakhs or more every anniversary year
  • Redeem Reward Points for Airline Ticket / Hotel Booking or Movie Tickets booking on Dedicated Rewards Redemption Portal
  • Exclusive Concierge Desk on your Card. Book your special requests on our YES Assist Concierge Services.
  • Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
  • Interest Rate (APR): 1.2% pm
  • Processing Fee:NIL
  • Joining Fees: NIL
  • Annual Fees: NIL
  • ID Proof - Pan Card/ Driving License/ Passport/ Voter ID card/ Aadhar card (with Photo)/ Letter issued by Unique Identification authority of India (with Photo)/ NREGA Card(with photo)
  • Address Proof - Driving License/ Passport/ Voter ID card/ Aadhar card (with Address)/ Letter issued by Unique Identification authority of India (with Address)/ NREGA Card(with Address)
  • Signature Proof - Pan card/ Driving License/ Passport/ NREGA Card(with Signature)

reward type

Rewards

annual fee

Nil

joining fee

Nil

  • Best in class Interest Rates starting from 2.4% pm & Foreign Currency Markup of 3.4%. T&C Apply
  • Upto 5 reward points for every Rs.100 spent. Reward points that never expire.
  • Welcome benefit of 1,250 Reward Points on total spends of INR 5,000 or more within 30 days of card set-up
  • Accelerated earn rate on your Birthday, Online, Dining and International Spends
  • 12,000 Bonus Reward Points on spends of INR 3.6 Lakhs or more every anniversary year
  • Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000
  • Interest Rate (APR): 2.4% pm
  • Processing Fee: NIL
  • Joining Fees: NIL
  • Annual Fees: NIL
  • ID Proof - Pan Card/ Driving License/ Passport/ Voter ID card/ Aadhar card (with Photo)/ Letter issued by Unique Identification authority of India (with Photo)/ NREGA Card(with photo)
  • Address Proof - Driving License/ Passport/ Voter ID card/ Aadhar card (with Address)/ Letter issued by Unique Identification authority of India (with Address)/ NREGA Card(with Address)
  • Signature Proof - Pan card/ Driving License/ Passport/ NREGA Card(with Signature)

Credit Cards in Chennai

Bharatanatyam, blockbusters and beaches! These are the three B’s that immediately come to our minds when we think of what is referred to as the culture capital of India, Chennai. Not many people know that it is known for another B: banks. Tamil Nadu’s capital Chennai has a long history with banking right from the colonial times and today numerous prominent commercial and banking establishments have the city as their first home, the city also serves as a captive centre of operations for several global banks and financial corporations.

So, are you looking for a credit card in the wonderful city of Chennai? If your answer is a resounding “Yes”, then read on.

Credit Cards in Chennai: An Introduction

A credit card is usually a plastic card issued by a financial company like a bank that gives the card-holder an option to borrow funds at point of sale. Hence, a credit card is plastic money that is essentially borrowed. It comes with an approved credit limit (based on your salary and credit rating) that allows you to make purchases and pay back later, along with interest charges as accrued. It comes in handy for making various transactions, as opposed to carrying money. As long as you pay back the money you borrowed within the grace period, which is ideally the interest-free period, you don’t have to pay extra in the form of hefty interest charges.

There are different types of credit cards – lifestyle credit cards, rewards credit cards, cashback credit cards, fuel credit cards, shopping credit cards, business credit cards etc. Based on your need, repayment capacity, and existing loan obligations, lenders can approve a credit card in Chennai for you.

Key features of a Credit Card:

  • Easy documentation and speedy approvals
  • Quick Processing
  • Easy repayment options
  • Facility to apply online with most lenders
  • Special offers for existing customers—like annual fee waiver, etc.

Benefits of a credit card

  • Build a credit history –Transactions made using a credit card for your purchases adds to your credit score and consistent repayment of dues helps you build a positive credit history, which will help you secure better loans in the future
  • Convenience – Credit Cards are very convenient in the sense that you don’t need to carry cash with you, especially in high level transactions. You just need to pull out your card, swipe it and the transaction is done.
  • Online Purchase – Credit Cards are a convenient method to buy things online. It is safe and secure.
  • Gives Rewards / Cash Back – Credit Cards give rewards for high usage such as airmiles, movie tickets, cashback and other merchandise. Transactions done using credit cards provide the user with reward points. These points are accumulated and in the end, you can redeem these points for merchandise / vouchers of your choice.
  • Access cash in times of Emergency – when there is an urgent need of cash, you can take cash on credit card. However, keep in mind that the interest rate for cash advances are very high.
  • Global transactions made easy – Credit Cards can be used in foreign countries without the need to convert your money into foreign currency.

Eligibility for Credit Card in Chennai

Different credit cards have different eligibility requirements. Compare different eligibility requirements before applying for credit.

Ideally, one should be salaried or self-employed, having a regular source of income, be over 21 years of age and have a clean credit history.

Documents Required for Credit Card in Chennai

Documentation is generally minimal. Following is an overview:

  • 2 passport size photos and signature-bearing national identity cards
  • Proof of address - Ration card, electricity bill etc. can be submitted
  • PAN card, Form 16 and the Income Tax Returns Statement
  • Proof of salary, employment / proof of business details
  • Last 3 months salary statement.

How to find the Best Credit Card in Chennai?

To discover the exclusive offers on credit cards in Chennai, register now on CreditMantri.

Before selecting a credit card, it is advised that you do a credit card comparison and select the ones which fulfill all your requirements, this is one way of ensuring you get the best credit card offers in Chennai.

Credit Card in Chennai – FAQS

Can I apply for Credit Card online?

Absolutely. Several lenders have the facility to apply online.

Can I avail the EMI Facility with a credit card?

Most Credit Card issuers offer you attractive repayment terms at affordable interest rates and flexible tenure. You can convert your purchases over Rs. 5,000 to easy EMIs. Generally, once a transaction is converted into EMIs the same cannot be reversed or cancelled. You have the option to only pre-close an EMI, although pre-closure charges are applicable.

How can I convert my credit card purchase into EMI?

You can avail the EMI option by logging to your Net banking platform with your user ID and password, and covert a purchase into EMI online. Alternatively, you can call the customer care for help with converting a purchase into an EMI.

How to apply for credit card loan in Chennai?

You can check your eligibility and apply for a loan against your credit card limit by logging in to your net banking account.

I got my credit card bill. What are the bill paying options available?

You can choose from the following options to make your bill payment:

  • Pay your credit card bill via online banking – such as NEFT/RTGS/EPAY/VMT (from other bank accounts)
  • Payment through cheques
  • Cash deposit/cheque deposit at ATM/Bank during banking hours

Credit Card – Apply Online

You can check your eligibility and apply for a credit card by signing up with CreditMantri. It is quick, simple and above all, free.

CreditMantri matches your credit and demographic profile to the lender's lending criteria and presents you a shortlist of only those lenders willing to lend to you based on your unique credit profile. In effect, we pre-screen your application to make sure you are likely to qualify as per the lender’s credit criteria. Hence, the chances of your credit card application getting approved is higher.

Click here to sign up and apply for loans and credit cards, the CreditMantri way!