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Quick approval on credit cards in Gurgaon is guaranteed if one can meet all the eligibility criteria. Big purchases can be converted to EMI at the request. Use reward points, cashback and discounts on credit card transactions to save more on daily expenses.
Also known as the Millennium City, Gurgaon is an IT hub in Haryana, India. Rechristened as Gurugram—meaning village of the spiritual teacher—the city is a melting pot of cultures and dreams. The argument behind that the new name was that it would help to preserve the rich heritage of the city by emphasizing its history and association with Dronacharya, the iconic character in the epic Mahabharatha. From its historical roots to its booming IT culture, Gurgaon has much to offer.
Being one of the oldest cities in India, Gurgaon has branches of all the important banks and other financial institutions in India. Are you living in the Gurgaon city, dreaming of the day when you will be the proud owner of a credit card? Look no more!
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 Gurgaon for you.
Key features of a Credit Card:
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. You generally get some points for the transactions done using a credit card. 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 – In case of an emergency, when you are in urgent need of cash, you can take cash on credit card in Gurgaon. 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. Though this is not devoid of some cost, it is more convenient.
Build a credit history – Using a credit card to make your purchases allows you to build a positive credit history (provided you pay your dues consistently, every month) which will enable you to be eligible for larger loans (say, for example, a home loan) in the future.
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:
Before applying for the credit card that suits your needs, be sure to do a thorough research online. Do a credit card comparison for the best credit card offers. There are various websites that would allow you to check and compare various credit card offers from banks and credit card issuers.
To find the best credit card services and best credit card deals, the internet will come to your rescue.
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 Gurgaon?
You can check your eligibility and apply for a loan against your credit card limit by logging in to your net banking account.
I want to increase my credit limit. Is it possible?
Absolutely. In order to have your credit limit increased, you need to place a request with your card issuer. The Bank at its sole discretion and based on documents provided, may increase choose to increase the credit limit. Keep in mind that your previous repayment history of loan EMIs and credit card dues would play a major role in the sanctioning process.
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:
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!
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.