Apply for Credit Card - Airtel Finance

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.

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.

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!

What are the 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 and other benefits. 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.