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Getting a credit card in Hyderabad is easier with quick documentation and guaranteed approval. One can apply online or visit the nearby branch of the bank. Reward points, cashback, discounts and offers can help save more on various spends.
Pearls, Haleem, Biryani and Charminar is what that comes to our minds when one thinks of Hyderabad. The city of Pearls, Hyderabad is the capital of the Sothern Indian state of Telangana and de jure capital of Andhra Pradesh. One just can’t fail to associate Biryani to Hyderabad. Known for its historic heritage, food, and culture, the city boasts of being the country’s largest and richest princely state up to the 20th century.
Being one of the oldest cities in central India, Hyderabad has branches of all the important banks and other financial institutions in India. Are you living in the historic city, dreaming of the day when you will be the proud owner of a credit card? Look no more!
Credit cards are now an indispensable part of life. Thy have become popular because of the fact that it is a convenient mode of payment. A credit card is basically 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 Hyderabad for you.
Key features 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 a convenient mode of payment and are accepted almost everywhere. You just need to pull out your card, swipe it, lo and behold, 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 in Hyderabad. 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. It does incur some charges, but the convenience can’t be negated. You can use them practically everywhere -- online, offline, and even over the phone.
Despite the benefits, you must use a credit card with caution. You must make at least the minimum payment each month; however, if you pay only the minimum, it will be many years before you pay off your balance and you will end up paying large amounts in interest fees. If you miss even a single payment or go over your credit limit, note that it will actually damage your credit score, in addition to attracting a penalty.
Different credit cards have different eligibility requirements. Compare different eligibility requirements before applying for credit. You can use an online eligibility calculator in order to gauge whether you qualify for a card or not.
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 are the requirements
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.
To find the best credit card services and best credit card deals, register now on CreditMantri.
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.
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 Hyderabad?
You can check your eligibility and apply for a loan against your credit card limit by logging in to your net banking account.
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.