Apply for Credit Card - Airtel Finance

A credit card gives you the power to save big with annual cashbacks and plenty of rewards. Get amazing offers across multiple categories - lifestyle, travel, shopping, and more. Complete a simple application process on the Airtel Thanks app and get ready to step into a world of hassle-free payments.

Features of Credit Card

Big savings and cashback offers, now with Credit Card

  • Higher credit limit
    Credit limit up to ₹5 lacs

  • Huge annual savings
    Save up to ₹16,000 

  • Joining Fees
    Pay low joining fees

  • Low annual fee
    Just ₹500 as annual fee

  • 100% digital process
    Apply on the Thanks app

  • Relaxed eligibility
    18-70 years old can apply

Benefits of Credit Card

Experience a privileged lifestyle with a credit card

  • 25% off on recharges
    Paid via Airtel Thanks

  • 10% off on delivery
    Zomato, bigbasket, Swiggy

  • 10% cashback offers
    Utility bills via Thanks

  • Extra 1% cashback
    On all other spends

  • Airport lounge
    4x lounge access/year

  • Fuel waiver
    1% fuel surcharge waiver

How to Apply for a Credit Card?

Applying for a credit card is easy. Follow the steps below:

  • Get Airtel App
    Download the app and go to Shop section

  • Tap Airtel Finance
    Click on the credit card banner

  • Select Apply Now
    Now fill up the complete application form

  • Complete digital KYC
    The card will be delivered to you very soon

Credit Card Eligibility

Fulfill these eligibility criteria to get the Credit Card!

  • Resident status

    The credit card applicant must be an Indian resident or a non-resident Indian.
  • Age Limit

    Age of the primary cardholder should range between 18 and 70 years.
  • Documents Required

    PAN card or Form 60, Residential, Identity, and Income proof, Colour Photograph

FAQs on Credit Card

1. What is a credit card and how does it work?

A credit card is issued to you by a merchant that enables you to make purchases or transactions with the help of credit. The credit card works on the concept that you will have to pay back your credit card bill after a certain amount of time.

2. How do I apply for a credit card using the Thanks app?

To apply for your credit card via the Airtel Thanks App, install the app through PlayStore or App Store, if you haven’t. In the app, navigate to the 'shop' category, then choose 'credit card' under 'Financial Services'. Provide the required information and your card will be delivered to you.

3. Can non-Airtel users also apply for a credit card?

Yes, indeed! Non-Airtel users can very well apply for a credit card from Airtel Finance if they are eligible.

4. What is the credit limit on a credit card?

The total credit limit on a credit card varies from one person to another. However, if you have a good credit score and pay all your EMIs on time, then you will be able to enjoy a greater credit limit.

5. What is the interest rate on a credit card?

The actual interest rate on a credit card depends on a lot of factors – whether you have missed out on payments, which merchant you are using and many more. To make sure you do not have to pay credit card interest rates , you should try to pay your credit card bills on time. Additionally, make sure you are paying back the complete amount and not the minimum amount payable.

6. How do I make payments on my credit card?

Making payments with the credit card is an effortless process. Simply visit any e-commerce website and instead of selecting your debit card, make the payment with your credit card.

7. Do credit cards come with an airport lounge benefits?

Yes, you can get airport lounge benefits with specific credit cards.

8. What happens if I miss a payment on my credit card?

Ideally, it is always advised that you never miss a payment on your credit card. However, if such a situation arises, you will be charged a penalty and that is never an ideal scenario. Such penalties can be heavy on the pocket, so the best solution is to clear your dues on time.

9. How do I dispute a charge on my credit card?

In case you need to raise a dispute for your credit card, then it is advisable to get in touch with your credit card merchant. You will find their customer support number from the main website, with a few clicks.

10. Can I use my credit card abroad?

You can certainly use your credit card internationally. In fact, an international credit card could be one of the safest methods of making payments, when you are travelling abroad. Furthermore, it also provides you with the flexibility of travelling cash-free.

11. How do I keep my credit card information safe and secure?

You should never divulge your credit card information to anyone. In addition, it is advised that you never click on spurious links or share your credit card OTP with anyone over calls or messages. One of the best ways to keep your credit card information safe and secure is to keep your details conifdential.

12. What are the benefits of using a credit card?

There are plenty of benefits associated with a credit card. For instance, the Credit Card provides a broad range of cashback offers, recharge benefits, airport lounge, fuel surcharge waivers, low joining fees, and lots more. It is the perfect credit card for you, if you are looking for a credit card full of benefits.

13. What are the terms and conditions associated with Credit Cards?

For the complete terms and conditions associated with Credit Cards, you can click here.

14. How can I cancel my credit card?

To cancel or block your credit card, simply get in touch with your credit card merchant and inform them that you would like to cancel your credit card. Make sure that all your pending credit card bills are paid before you proceed to cancel the card.

15. Can I get a credit card with bad credit?

It is difficult to obtain a credit card for yourself when your credit score is not up to the mark. However, it is not impossible, and some merchants might offer you a credit card. Regardless, the credit limit might be low in such cases.

16. How can I track my credit card transactions and statements?

You can track your credit card transactions with the help of credit card statements. These statements will be mailed to your registered email ID after every credit card cycle. Additionally, you can also track it from the credit card merchant’s website.

17. What are reward points, and how can I earn and redeem them?

Reward points are extra points that you get after you complete a transaction on your credit card. The more the value of the transaction, the higher the reward point. To redeem your reward points, you can visit the merchant's website and look at the products/services on which you can redeem your reward points.

18. What is a credit card statement?

The credit card statement is an important document that has all the details of the transactions that you make on the credit card. The credit card statement contains information about your purchases, your credit balance, the minimum amount payable, and more. It is issued after every credit card cycle ends.

19. What is a credit card balance?

The credit card balance is the total amount of credit that has been lent to you by the merchant. How you use this credit card balance depends totally on you.

20. What should I do when my credit card is lost?

In case, your credit card gets lost or stolen, then you should proceed to block it immediately. Get in touch with the customer support team of your credit card and provide all the necessary information needed to get the card cancelled.

21. Is there any special offer for Airtel users while using a credit card?

If you have a Credit Card, then you can get cashback worth up to 25% on Airtel prepaid, postpaid, broadband, and DTH bill payments when you use the Airtel Thanks app.

22. Can non-Airtel users also apply for a credit card?

Yes, non-Airtel users can also apply for the Credit Card and reap its many rewards and benefits.

23. What does 'minimum due' mean on a credit card statement?

The minimum due on a credit card refers to the minimum amount that you must pay so that you can enjoy the facilities of your credit card. It is only a small fraction of the total outstanding amount that you are yet to pay.

What is a Credit Card?

A credit card is a card that is issued by a bank and acts as a line of credit from the bank itself. The user of a credit card is provided with a pre-specified credit limit, which can be used to make purchases, pay bills, and more.

Using credit on the credit card means that the user has to pay the amount at a later stage, once the credit card cycle is completed. The user can choose to pay the entire outstanding balance at once or pay the minimum amount due on the credit card and accrue credit card interest rates on the remaining balance.

You can use the credit card EMI calculator to find out how credit card interest rates affect your monthly spending.

How Credit Card Works?

A credit card is essentially a financial tool that allows you to borrow money from a line of credit established by a credit card issuer. When you use a credit card to make a purchase, instead of deducting funds from your personal bank account, you are borrowing from the issuing company, within your agreed limit. 

At the end of each billing cycle, you are expected to pay back the amount you owe, either in full or in part. If you don't pay off the entire balance, the remaining amount carries over to the next month with added interest.

Looking for the right credit card to get? Choose the Airtel Axis Bank Credit Card and use a credit card to pay rent, or use it as a student credit card to cover college expenses, or for literally anything else, and get huge savings in return!

Types of Credit Cards

There are a variety of credit cards available, each with its unique benefits and purposes. Standard credit cards, also known as unsecured cards, don't require an upfront deposit and have varying credit limits. Secured credit cards or FD credit cards are backed by a cash deposit from the cardholder, often used by individuals with poor or no credit history. Rewards credit cards provide incentives like cash back, airline miles, or points for purchases. Balance transfer cards are useful for consolidating debt, typically offering a low or zero percent introductory rate on transferred balances.

What are the benefits of a credit card?

Here are some of the benefits of using a credit card in your day-to-day life:

  • Paying with your credit card is extremely convenient and instant.
  • Using credit cards in your regular payments helps you to build a positive credit history.
  • Many credit card companies provide a lot of cashback offers, airport lounge access, discounts and many more benefits for no added costs.
  • A credit card can be useful for funding large expenses such as consumer electronics or during emergencies.
  • Credit cards are accepted globally and some credit cards also allow international transactions.
  • They are much more secure than debit cards and you can also get insurance to protect your credit card against theft or damage.
  • Credit cards typically offer a grace period during which no interest is charged, as long as the balance is paid in full by the due date.
  • You can also withdraw money from your credit card when you need it

Steps to apply for a credit card

Here are the steps on how to apply for your credit card from Airtel Finance:

  • Download the Airtel Thanks app on your mobile
  • Open the app and go to the shop section
  • Select the Airtel Finance option
  • Click on the Credit Card button
  • Select Apply Now
  • Proceed with the application form
  • Now complete your digital KYC
  • You will receive a brand new credit card from Airtel Finance in 5-7 business days

Thus, you can apply for your very own credit card from Airtel Finance with just a few steps. Get yours today from the Airtel Thanks app!

Eligibility criteria for applying for a credit card

Here are the Airtel Finance credit card eligibility criteria:

  • The primary applicant for the Airtel Finance credit card must be an Indian citizen or non-resident Indian (NRI).
  • The age of the applicant must be between 18-70 years.
  • The following documents need to be presented by the primary applicant: PAN card or Form 60, residential address, ID card, income proof and colour photograph.

Required documents to apply for a credit card

Here are the required documents to apply for a credit card from Airtel Finance:

  • PAN card or Form 60
  • Residential Proof (Ration card, Aadhaar card, Driving License, Rental agreement, etc.)
  • Identity Proof (Aadhaar, Passport, PAN card, and others)
  • Income Proof (salary slips, bank statements, etc.)
  • Colour Photograph of the applicant

Fees and charges of a credit card

The fees and charges of a credit card can vary from one credit card to another. However, if you choose the Airtel Finance credit card, you will not have to pay a hefty amount of money just to get your new credit card. You will just have to pay the joining fees of ₹500 for the primary credit card and the add-on credit card will be offered completely free of charge.

There will also be an annual fee for the credit card, which costs ₹500. However, if you have an annual spend of more than ₹2 lakhs, then the annual fee will be waived.

How to choose the right credit card?

Here’s how you can choose the right credit card for yourself:

  • Make a note of your spending habits - Understand your daily spending habits and make a note of whether you only use the credit card for shopping or heavy expenses or daily needs. This will help you assess which is the best credit card for you.
  • Credit card interest rates - Compare the different credit cards offered by the various credit card companies. If you plan to have a credit card balance, then choose the credit card that offers a lower interest rate.
  • Understand the various credit card fees - Annual fees, processing fees, joining fees, and foreign transaction fees are only some of the fees that credit card issuing banks charge. Make sure you understand all of these fees beforehand.
  • Rewards and benefits - Credit cards offer multiple rewards, cashback benefits on credit card bill payments and more. However, there might be offers that may seem more useful to you and some that you can avoid. Assess the different offers carefully.
  • Credit score - Make sure that you are well aware of your credit score. If you have a very good credit score, then you can upgrade to a credit card with better perks and features.
  • Protection features - Check if the credit card is offered with additional benefits such as credit card insurance, fraud protection and more. These ensure you have greater peace of mind and help you use the credit card more confidently.

How to Securely Use Your Credit Card?

Securing your credit card involves safeguarding your card details and being vigilant about its usage. Always keep your card in a safe place and never share your card number, CVV, or PIN with anyone. Regularly monitor your account for any unauthorised transactions and immediately report any discrepancies to your card issuer. When shopping online, ensure you're using secure, reputable websites and regularly update your passwords.

Way to get the most out of your Credit Card

To maximise benefits from your credit card, first ensure that it aligns with your spending patterns. For instance, if you travel frequently, a card with travel rewards would be most beneficial. Always pay your balance in full to avoid interest charges. Use your card regularly to earn rewards, but be careful not to overspend. Regularly review your card benefits as some offer perks like extended warranties, price protection, or exclusive discounts.

Thing a Credit Card Holder Should Always Remember

As a credit card holder, it's crucial to remember that credit is a loan that must be repaid. Late payments can severely damage your credit score and result in additional fees. Always understand your card's terms, including interest rates and penalties. Regularly monitor your account, promptly report any unauthorised transactions, and be mindful of your credit utilisation ratio to maintain good credit health.

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