Find the Perfect Credit Card for You

Choose a credit card based on your spending habits and lifestyle. If you travel frequently, a travel card with lounge access and miles would be beneficial. If you shop a lot, consider cashback or rewards cards. For fuel expenses, look for cards with fuel surcharge waivers. Assess the annual fee, rewards structure, and additional benefits to find the best match for your needs.

You'll typically need identity proof (Aadhaar, PAN), address proof (utility bills, passport), income proof (salary slips, Form 16, ITR), and recent bank statements. For salaried individuals, employment details are required. Self-employed applicants need business proof documents. Some banks may require additional documents based on the card type and your profile.

Credit card approval typically takes 3-7 business days after submitting all required documents. Some banks offer instant approval for pre-qualified customers. Once approved, you should receive your card within 7-10 business days via courier. The entire process from application to card delivery usually takes about 2 weeks.

Your credit limit depends on your income, credit score, existing debts, and the bank's policies. Typically, banks offer a credit limit of 2-3 times your monthly income. Premium cards may offer higher limits. New credit card users often start with lower limits, which can be increased over time based on your spending and repayment behavior.

Reward points are earned based on your spending - typically 1-5 points per ₹100-200 spent. Different categories like dining, travel, or online shopping may earn accelerated rewards (2X-10X points). These points can be redeemed for cashback, merchandise, gift vouchers, air miles, or hotel stays. Each bank has its own reward catalog and conversion rates. Most reward points have an expiry period, usually 2-3 years.