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Cochin provides you credit cards with great convenience. Interest free period for 25-55 days. Apply online with loads of lenders. Global transactions made simple. Apply now on CreditMantri to get exclusive credit card offers!
(1X = 1 Reward point per ₹100 spent | 1 Reward point = Rs. 1)
Kochi, also known as Cochin, a major port city on the south-west coast of India in the state of Kerala. A major tourist spot famous for its exquisite greenery, Cochin is often referred as 'Smart City' of India owing to the huge investment in information technology, Cochin is also the largest IT hub in Kerala. Cochin is also home for the Cochin Stock Exchange, International Pepper Exchange, industries like HMT, Cyber City, Kinfra Hi-Tech Park, major chemical industries and electrical industries.
Educational, cultural and medical facilities are spread all over the city. A tier-2 city as classified by the government of India, Cochin is home to several leading Banks, NBFC’s and other private lenders.
Are you looking for a bank, perhaps to apply for a credit card? If your answer is a resounding “Yes”, then read on!
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. If 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 Cochin for you.
Key features of a Credit Card:
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.
Documentation is generally minimal. Following is an overview:
To discover the exclusive offers on credit cards in Cochin, 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 Cochin.
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. Generally, 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.
How to apply for credit card loan in Cochin?
You can check your eligibility and apply for a loan against your credit card limit by logging in to your net banking account.
Can I use a chip card for online transactions?
Yes, you can use a chip card during online transactions if it comes under 'Verified by Visa'/’MasterCard SecureCode’. This ensures safe and secure online transactions.
What are the benefits of a using a Chip Card?
The microchip in the credit card is encrypted and embedded, providing enhanced security and protection to help guard against fraudulent transactions.
I am a work-from-home professional. Am I still eligible for a credit card?
Yes, as long as you are a working professional, and show proof of continuous salary, you will be eligible for the credit card.
What if my card is lost/stolen?
Call the Credit Cards Customer Service immediately, and report that the card is lost/stolen. It will be blocked.
I reported my credit card lost, but I found it. What do I do now?
If you happen to recover your credit card after having informed it lost, do not use it. Destroy the card by cutting it and ensure that you cut across the encrypted chip in the card.
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!
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