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Credit cards in Guwahati can be obtained easily with quick documentation and approval. The cards come with attractive features such as reward points, cashback, discounts and offers. One can apply online to get the favourite credit card.
2 Free movie tickets every month
1000 bonus Reward Points every month on 5 transactions of Rs. 1000 or more
Rare birds, exotic wild animals, greenery and beautiful landscapes is what comes to mind when we think about Guwahati. It is the largest city in North-east India, situated in Assam. Guwahati is home to a rich cultural heritage, and is given the epithet “City of Temples”.
Guwahati is synonymous with Food, Fun and Frolic. Besides housing the oldest medical college in the entire north-east, Guwahati is home to leading banks and other financial institutions. In case you are looking to apply for a credit card in Guwahati, you have approached the right place! 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. 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 Guwahati for you.
Key features of a Credit Card:
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.
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, where are in urgent need of cash, you can take cash on credit card in Guwahati. However, keep in mind that the interest rate for cash advances are very high.
Transactions made easier globally – 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.
Different credit cards have different eligibility requirements. Compare different eligibility requirements before applying for credit.
Not every individual is eligible credit cards. You need to be a salaried or self-employed professional, and be able to demonstrate a stable income. You also need to fulfil the age requirements.
You can easily check your eligibility online on the lender’s website. Most lenders have an eligibility calculator online. If you are found eligible, then you will be given a list of cards to choose from.
Documentation is generally minimal. Following is an overview:
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 Dehradun.
To find the best credit card services and best credit card deals, register now on CreditMantri.
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.
How to apply for credit card loan in Guwahati?
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:
What is a credit card number?
In your credit card number, the 2nd through to 6th digits denote the bank number, and the 7th-15th numbers denotes your account number. The remaining digit is known as the check digit, which is used to determine the authenticity of the overall number and to rule out any invalid numbers. The check digit is mathematically determined based on all the other digits.
The first digit in the number denotes the type of card you are holding. This number is always a 3, 4, 5, or 6 (in case of international credit card). Following is a breakdown on which number denotes what:
3 - Travel or entertainment card
4 - Visa Card
5 - MasterCard
6 - Discover
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.