- The Indian credit card scenario is overwhelming now with as many cards in the market as card providers. Picking out the right card for use therefore needs adequate research and comparison on the applicants part. antworksmoney makes this easier with its state-of-the-art card search/ comparison tools and implements. Finding a low-rate credit card, evaluating card features and applying for one is a pleasurable experience from here.
- Besides, antworksmoney does not charge any fee for its service and ensures that 100% neutral assistance is offered to all patrons.
- antworksmoney.com can help you get the best options if you are looking for credit cards in the city. We have a strong network of credit card companies and banks we work with so that you dont have to do the leg work of looking for offers available in the market. Here are some of the major credit card companies we work with
- Axis Bank Credit Cards
- HDFC Bank Credit Cards
- CitiBank Credit Cards
- ICICI Bank Credit Cards
- IndusInd Bank Credit Cards
- All you have to do is fill out a simple eligibility form to begin with. Based on your eligibility you will get offers from reputed banks and credit card companies that suit your requirements to the term.
- But that doesnt mean you have to pick the first offer that comes your way. antworksmoney.com gives the right ammunition to make the best choice. You get an opportunity to compare these offers based on factors like finance charges, maximum credit limit, cash withdrawal limit, balance transfer facility etc. Once you have compared these offers based on these factors you will find it easier to make your choice.
- antworksmoney.com also has a streamlined process in place for you so that you can make a simple application online. We will offer you updates at regular intervals too.
- We will look after your personal information and it will only be sent to the credit card company you choose.
How to get Patiala Credit Card on antworksmoney.com in 3 simple steps?
- Fill up the e-form to initiate search for card offers
- Compare card offers from our partner financial institutions
- Apply for your credit card right from here
- Privacy: Your application is sent only to the card provider you choose, and is never shared with anyone else.
- antworksmoney.com will update you on your credit card application status via email & SMS alerts.
Who can get a Credit Card?
Anyone with a fixed income, aged above 21 & favourable CIBIL credit score of over 800 can get a credit card.
What will be my credit limit?
The credit limit will depend on various factors like your income, repayment, CIBIL score, etc. Your credit limit can be increased or decreased depending on your last years spending and repayment history
Can I get an Add-on card? And will there be a separate credit limit on the Add-on card?
Yes, you can get an Add-on card but, it will totally depend on the offers the credit card issuer is running at a given point of time. There will not be a separate credit limit for the add-on card.
What should I do if there is a fraud transaction on my credit card?
You should immediately inform your credit card issuer about the fraud transaction.
What should I do if my Credit card is lost or stolen?
If your credit card is lost or stolen inform your credit card issuer within 24 hours and block your card immediately for any fraudulent transactions. Ask your card issuer to send you a new card which generally gets delivered in 3-4 working days.
Which payment network credit cards are available in India?
Basically, Visa, MasterCard and American Express are three popular payment networks available in India. Payment Networks are not credit card issuers your credit card is issued by banks or other financial institutes.
What is a grace period?
A grace period is interest free period for you to pay your credit card balance in full without any interest rate charges. The grace period is calculated based on your billing cycle and not from the date of the transaction.
Will there be any joining fees for credit card?
Most credit card issuers do not charge you any joining fees. Some may charge you but they might reverse those charges in your first credit card statement.
Is there any annual fee associated with credit cards?
Most issuers waive off annual fee for the first year and then charge a minimum amount of Rs. 500 as annual fee.
What is the interest rate/finance charge for credit cards?
The finance charges will wary for each card issuer and type of card like Platinum, Gold, Titanium or any special credit card. Generally credit card interest rates start at 2.5% per month (30% per annum) to 3.75% per month (45% per annum).
Will there be an overdue penalty or late payment fee?
Yes, every card issuer will charge you a late payment fee ranging from Rs 300 to Rs 600.
Will there be a separate charge for foreign currency transactions on my credit card?
Yes, every card issuer will charge you some percentage of the transaction value for the foreign currency transactions. It is generally around 3.5% of the transaction value.
How can I make my credit card payment?
Credit Card issuers provide the following credit card payment options:
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- Through ATMs: Make payments through your card issuing bank ATMs.
- Through Net banking: Make Card payments using your Net banking.
- Visa Money Transfer
- Standing Instructions: If you have bank account with your card issuing bank then you can give standing instructions to directly debit the minimum amount due or full payment due for your monthly credit card payment.
- National Electronic Funds Transfer (NEFT): Transfer funds from any other bank account to make your card payments.
- Drop Box Option: You can also drop a local cheque, payable to bank card A/c followed by your card number, at any drop box located in ATMs and branches of your card issuer.
- Over the counter: You can pay directly by visiting your card issuing bank and make the cash payment for your credit card outstanding.
Credit Card Eligibility and Documentation
- Card holder should be in the age bracket of 18 years to 70 years.
- Should have a fixed monthly income.
- Should have a good CIBIL credit score.
Documents required for Credit Card:
- Pan Card Photocopy OR Form 60
- Latest Salary Slip, Form 16, Income Tax return copy as income proof
- Passport, driving license, ration card, etc. for residence proof.
Features & Benefits of Credit Cards
- To fulfill dreams which cant wait, apply for credit cards and live your dreams.
Credit Cards Charges
- Save on fuel spends
- Exiting reward programs
- Comprehensive Insurance coverage
- Cash back facilities
- EMI facility on your product purchases
- Balance Transfer facility
- Interest Free Period
- Special discounts on various products Save on fuel spends