The luxurious lifestyle that you opt for needs smooth and swift operations to get the best out of it. And if you have to think of paying for your lifestyle choices or need to wait to avail the services, then it will be unfair to you. However, credit cards can make that easy for you. The best thing about them is that you don’t need to wait to grab the exciting offers or pay for them at that moment. The more than enough balance in your bank account will remit those expenses in easy monthly installments, and you will enjoy a smooth, luxurious life. In addition to that, these cards will bring exciting offers, reward points, cash back, and much more that you can enjoy for using credit cards.
Nowadays, you can apply for credit card using online platforms like Roopay, which generates instant approval for credit cards. But there are some vital facts that you need to keep in mind before applying for such a card.
Types Of Credit Card
Depending on your requirements, several types of credit cards are available out there in the market. The basic categories are-
- Lifestyle credit card
- Shopping credit card
- Traveling credit card
- Entertainment credit card
- Fuel credit card
- Premium credit card
- Commercial credit card
- Cashback credit card
- Rewards credit card
However, the type of credit cards may vary from bank to bank. At Roopay, you can get more credit card details and select the best one for you.
Eligibility Criteria To Get Credit Card
As there are multiple types of credit cards available in the market, their eligibility criteria may differ from each other. Though, there are some general eligibility standards that you should meet if you want to apply for the same.
|Age of the applicant||Minimum age requirement is 18 years|
|Nationality of the applicant||Indian|
|Income of the applicant||Rs. 1 Lac to Rs. 3 Lac per annum.|
|Occupation of the applicant||Salaried or self-occupied|
|Credit score of the applicant||700 or above|
- Identity proof- Aadhaar card, PAN card, Voter’s ID card, Passport, etc.
- For residential status- Aadhaar card, Passport, electricity bill, telephone bill, etc.
- Employment and income proof- Employment letter, salary slip, latest ITR statement, etc.
Steps To Apply For Credit Card
It is quite simple to apply online by following the steps mentioned here.
Step 1- Go to online platforms such as Roopay, which has multiple channels to let you compare the card offers, tenures, EMIs, and benefits. Compare them and pick the most convenient one for you.
Step 2- In this step, you can feel the credit card application form there if you meet the required eligibility criteria for your selected card type. You will also need to submit supportive documents like identity proof, income proof, nationality proof, age proof, etc.
Step 3- The approval after submission of the form may take up to one week. However, you can check for pre-approved credit cards on the website that will give you the benefit of the fast approval.
Things To Keep In Mind
Always apply for credit cards through authentic credit platforms. At Roopay, we assist you to avail the best credit card in the market by comparing multiple credit card offers and charges. Here you will get top banks and financial institutions of India that provide credit cards on genuine terms and policies so that you can avoid any kind of scams and fraud.