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Overview

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Credit cards offer a convenient and secure way to access funds. This is especially useful for making big-ticket purchases without dipping into your savings. Naturally, credit cards are much safer to carry than cash. In fact, they also have stronger fraud protection mechanisms than debit cards.

With a credit card, you can spend up to a limit prescribed by your credit card provider. After you make a payment, you usually get 45 to 50 days to repay the borrowed amount. This makes credit cards one of the easiest ways to purchase items that can otherwise be out of your budget. With this plastic card, you also earn excellent rewards and discounts when you spend. And no, using a credit card doesn’t mean you have to sink into debt. Use your card responsibly to quickly build a good credit history and live a financially stable life.

While all credit cards come with assorted privileges and rewards, not all cards are created equal. Choosing the right credit card is not always straightforward. From a variety of features to hidden charges, you need to know exactly what’s on offer. With proper research, you can pick a credit card that works the best for your needs.

With Finbros Capital Advisory’s expert end-to-end guidance, you can select the best credit cards in India. In association with our channel partners - some of the top banks in the country - we bring you the most rewarding credit cards that improve your financial life.

Whether you are looking for the lowest annual fee for credit card or confused about the application process for credit cards, we are here to help you. Enjoy a bouquet of perks and rewards on every spend!

Benefits and Features

EMI
conversion :

The EMI conversion option is one of the best features of credit cards. If you make a big-ticket purchase, you can repay the amount in comfortable EMIs.

Attractive
Rewards :

Various credit cards come with unique lifestyle and travel benefits like retail cashbacks, discounts on travel, hotel offers, air miles, airport lounge access, dining and entertainment offers. Find the best rewards on credit cards in India with us.

Surcharge
waivers :

Some credit card providers offer exclusive surcharge waivers to cardholders who spend a specific amount on fuel payments monthly. Find the best credit card for fuel in India at Finbros Capital Advisory.

Personal loan
facility :

If you are in need of urgent funds, you can use the personal loan facility on your credit card. Your credit card provider will offer this loan based on your spending patterns and repayment track record.

Boost credit
score :

If you have started your financial journey recently, credit cards can help you build and improve your credit score. Use your credit card responsibly and pay all your dues on time to boost your credit score.

Insurance
cover :

Some credit card providers provide comprehensive insurance coverage on lost cards, air accidents, lost baggage, etc. Instead of paying hefty premiums, you can enjoy high coverage with the best credit cards in India.

ATM
withdrawals :

You can use your credit card to withdraw cash from an ATM by paying a nominal fee. This makes your plastic card an excellent tool for enjoying liquidity in times of need.

Accepted
worldwide :

Some of the best credit cards in India are international credit cards. You can use them to make payments in foreign currency or withdraw cash when travelling abroad. Enjoy the most rewards and benefits on your credit card with Finbros Capital Advisory’s partner network.

Types of Credit Cards

One of the best cashback credit cards in India are shopping credit cards. These are designed to give you the most attractive cashbacks and discount vouchers on your shopping spend. Just swipe your credit card on your next shopping spree to enjoy incredible cashbacks and discounts.

Most rewards and benefits credit cards allow you to earn reward points every time you make a purchase. You can redeem these points when you pay credit card bills or to enjoy discounts on online and offline purchases.

With fluctuating fuel prices, your monthly budget can quickly go off balance. Bid adieu to fuel surcharges for good with the best credit cards for fuel in India. Save on not just fuel but also other purchases on your credit card!

Don’t want to pay an annual fee, monthly fee or one-time membership fee? If yes, then free lifetime credit cards are for you. Entirely safe and secure to use, these cards allow you a seamless shopping experience without any fees or maintenance charges.

Don't have a good credit score but need a credit card? You can qualify for a secured credit card. These type of credit cards are backed by collateral. Customers can open any kind of cash deposit in favour of the channel partner to use this card.

Eligibility Criteria

Typically, credit card providers have easy-to-meet eligibility criteria. If you want to apply for a credit card, you will need to meet some standard criteria.

Be an Indian resident or a Non-Indian resident (NRI)
Be at least 18 years of age
The applicant must be earning at least Rs. 20,000 monthly
Have a monthly income of at least Rs. 20,000 also have a strong credit score

Documentation

Most financial institutions have similar credit card documentation requirements. As a general rule, the following documents are required for a credit card:

 Duly filled application form

 Latest photographs

 Identity proof (A copy of Aadhar Card, Passport, PAN Card, Voter's ID, etc.)

 Address proof (A copy of Rent Agreement, Ration Card, Voter's ID, Passport, Utility Bills, etc.)

 Bank statements

 Recent salary slips (if employed)

 ITR of the last year or Form 16

 Audited balance sheet and P/L statement in case of self-employed

Application Process

Here is the application process for credit cards:

Step 1

Fill out our online application form to share your requirements with us.

Step 2

After understanding your profile and needs, we give you a list of the most suitable options with features of all credit cards.

Step 3

Once you choose a credit card, we help you apply for it online. Submit the required paperwork with your application.

step 4

We pick up any required documentation from your doorstep, if necessary.

Step 5

Once your credit card is approved, you will be informed by the respective bank and us. In a few days, your card will be delivered to you!

FAQ's

A credit card is a transactional card that allows you to make payments or withdraw cash on credit. It has a maximum limit provided by your issuer. If you make the repayment within the specified time, no interest will apply.

A debit card allows you to use funds that you've deposited in your bank account. Whereas, a credit card lets you access funds on credit that you need to repay at the end of an interest-free billing cycle.

Credit cards are an excellent tool to fund your short-term requirements. You can also avail of benefits like reward points, air miles, retail cashbacks, surcharge waivers, lifestyle offers, and more.

In most cases, lenders process a credit card application within two weeks. Once your application is approved, you will receive the card within 7 working days.

No. The annual and joining fee will depend on the credit card provider and the type of card you are issued. Some cards even come with zero fees.

If you fail to pay your credit dues on time, you'll have to pay a penalty. The interest rate usually ranges between 3-4% of your outstanding amount. A delayed payment will also affect your credit score.

Yes, you can withdraw cash from an ATM with your credit card. However, you'll have to pay additional charges ranging from 2.5 to 3.5%.

If you want to increase your credit limit, you can raise a request with your provider. After evaluating factors like your financial status, credit score, etc., your provider will increase the limit if you're eligible.

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