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The popularity of credit cards in India has increased in recent times. This has been largely because of the ease of use, customisation, quick approvals and other such benefits associated with them.
Here’s more information about the benefits and steps on how to apply for a credit card.
Apart from the opportunity to make high value purchases, credit cards also offer a range of benefits.
For certain purchases, you can convert the amount into EMIs (Equated Monthly Instalments). You can then continue to pay the money owed in parts. This helps in high-value purchases.
This is the period for which no interest is charged for any purchase made or transaction done using the card. It is also called the credit period or cycle.
You can withdraw cash up to a certain percentage of the credit limit on the card. This facility can be of great help during emergencies.
If you are afraid of missing out on due dates and being charged a penalty, you can set up automatic payments. This can be achieved by linking your savings account to the card directly and setting a date on which the amount will be debited in advance.
Credit card issuers run attractive offers during festive seasons and other occasions on shopping, movie tickets, food, and travel. You can make a purchase using the credit card and avail these reward points or cashback.
Now that you know the benefits, here is how you can apply for an IDFC FIRST Bank Credit Card.
Applying for an IDFC FIRST Bank credit card online is easy.
Once the verification is complete, the card will be dispatched to your registered address.
You do not need to have a bank account with IDFC FIRST Bank to avail the card. Also, there is no minimum income required to apply for the credit card. However, ensure that you are well-acquainted with the terms and conditions, the limits, and the payment options for the card.
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.