Why need to choose a credit card?

• Comfort
• Luxury
• Business Credit Cards
• Convenience
• Best-in-class services
• Freedom to shop for anytime and anywhere

Credit Card Features and Benefits:

EMI Conversion:

The best features and Benefits of a credit card is the EMI process, where in you can convert the cost of purchases into easy EMIs. The amount you have to pay as EMI would depend on the rate of interest charged by the banks, the loan tenure, and also the down payment made.

Attractive Rewards:

The Credit card offering attractive reward points for based on the Amount spends, cost purchase, and credit card type. You can redeem these rewards points in the form of discounts, Flim tickets, fuel surcharge, gift vouchers etc. when you transact at any of the partner stores and shopping Malls.

Boost Your CIBIL Score:

Every online credit cards bill payment you will get report to the credit Card information. These companies are in charge for maintaining and updating the credit scores of individuals. Regular bill payments add to your credit history and helping you maintain a good credit score.

Airport Lounge Access:

One of the Best sought-after features of a credit card is airport lounge access. Some of the most prestigious credit cards also double as lounge access credit cards to offer you the benefit of eating, resting and unwinding in a relaxed lounge setting, while you wait for your next flight.

Compare The Best Credit Cards

Selecting the best credit card would require a thorough research on the following:

• Cash backs
• Fees/Charges
• Latest Offers on Travel, Dining, Shopping, Entertainment
• Rewards and Their Redemption Value
• Fuel Surcharge Waiver
• Interest-free Credit Period

Eligibility Criteria:

Age:

For applying credit card You should be at least 18 years of age at the time of application.

Residence:

You must be a resident of India if you wish to apply for a credit card. Some banks also offer credit cards to non-resident Indians (NRIs).

Income:

For Salaried must have an annual income of at least 2Lakh, and other hand self-employed must be earning a minimum at 1.5lakh to get the approval. However, the income criteria can differ from the bank to bank.

Credit Score:

It is easiest to get credit cards when you have a good credit score. In the absence of a credit score, a credit card can be availed against your income and savings. In case you have a low credit score, you can opt for a secured credit card issued against a fixed deposit.

Credit Card Bill Payments:

You can pay credit card bills for following modes

• Internet banking
• Mobile banking
• Payment gateway
• Cash or demand draft deposit at bank branch

The Categories of Credit Cards are:

• Auto/Fuel Credit Card
• Balance transfer Credit Card
• Business Credit Cards
• Cash back Cards
• Classic Credit Cards
• Co-brand Credit Cards
• Contactless Credit Cards
• Credit cards for Women
• Entertainment Cards
• Gold cards
• Lifestyle Cards
• Platinum Credit Cards
• Premium/Signature Credit Cards
• Prepaid Credit Cards
• Rewards Cards
• Silver Credit Cards
• Titanium Credit Cards
• Travel Cards

Documents Required For Credit Cards

ID Proof-applicant can submit one of the following documents:

• Passport
• PAN Card
• Ration Card
• Aadhar Card
• Voter’s ID Card
• Driving License

Address Proof

• Telephone Bill
• Electricity Bill
• Passport
• Ration Card
• Rental Agreement
• Aadhar Card

Income Proof

• Salary Cetificate
• Recent Salary Slip
• Employment

Self-Employed Individuals have to submit the following:

• Certified Financial
• Recent ITR Statement
• Audited Profit And Loss Statement or Balance Sheet
• Proof of Business Continuity

Top 5 Fuel Credit Cards

• Standard Chartered Super Value Titanium Card
• ICICI Bank HPCL Coral American Express Credit Card
• American Express Gold Card
• IndianOil Citi Platinum Credit Card
• HDFC Bharat Cashback Credit Card

Balance Transfer Credit Cards

Balance Transfer Is the process of transferring your debt from one credit card to another card this process can save lots of money on higher interest debt. One of the Benefits of doing balance transfer is consolidating credit card debts into single payments.We offering other loans for Personal Loan, Business Loan, Apply Doctor Loan Online and Home Loan etc.

9 Things to Understand Balance transfer:

• Transferring and Repaying is not the same
• Consolidating Simplifies the Re payments
• You may balance transfer other depts. just like credit card
• Fees are inevitable
• Transfer rates may expire
• Careful with new purchase
• Learn How Payments are allocated
• Repeat Transfer?
• Applying for new balance transfer card when your teaser rate expires is the perfect solution to avoid paying interest on your credit card debt.
• Good credit Required to qualify

Those who with good or excellent credit. If you can qualify and if it all saves you significant cash or help you pay off your debt sooner

Business Credit Cards:

A business credit card is a credit card intended for use by a business rather than for an individual’s personal use. Business credit cards are available to businesses of all sizes. They can help businesses build a credit profile to improve future credit borrowing terms. Small business credit cards may also be backed by a personal guarantee which integrates a personal liability which can also help in structuring credit terms. We Providing other loans for Business Loan, Apply Personal Loan Online, Doctor Loan, Home Loan etc.

8 Best Most Popular Business Credit Cards:

• SBI Platinum Corporate Credit Card
• Business MoneyBack Credit Card – HDFC Bank
• My Business Credit Card – Axis Bank
• Citibank Corporate Card
• ICICI Bank Corporate Card Solution
• Business Gold Card – Standard Chartered
• Laghu Udhyami Credit Card – Allahabad Bank

Cash Back Cards

Credit cards also offer customers benefits in the form of rewards or cash back. It is a difficult task to choose a card which gets us maximum benefit. In cash back scheme you will get cash back on your spends. You get a predetermined percentage of cash back into your credit card account.

Top 4 Cash Back Cards

• Citibank Cash Back Credit Card
• Standard Chartered Titanium Cashback Credit Card
• HDFC Money Back Card
• American Express Makemytrip Card

Classic Card

The Classic credit card is branded card issued by VISA

What is a Co-Branded Card ?

A co-branded card is a retail merchant credit card that is issued in partnership with a specific network processor. Co-branded cards are branded with the logo of the network processor and retailer.

Co-Branded Card

• SimplyCLICK SBI Card
• Yatra SBI credit card
• IRCTC SBI Platinum Credit Card
• HDFC Snapdeal Credit Card
• JetPrivilege HDFC Bank World Credit Card
• IndusInd Bank Chelsea FC Credit Card
• Axis Bank Miles & More Credit Cards
• Jet Airways ICICI Bank Credit Cards

what is Contactless Credit Cards ?

Contactless payment systems are credit cards and debit cards, key fobs, smart cards, or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near field communication (NFC, e.g. ATAR pay, Samsung Pay, Apple Pay, Google Pay, Fitbit Pay, or any bank mobile application that support Contactless) for making secure payments. The embedded chip and antenna enable consumers to wave their card, fob, or handheld device over a reader at the point of sale terminal. Contactless payments are made in close physical proximity, unlike mobile payments which use broad-area cellular or WiFi networks and do not involve close physical proximity.

How to Apply for a Credit Card Online?

Find the below details of Apply Credit Card Online. Along with a domestic credit card, you can also apply for an international credit card online.

Step 1: Visit the waytobank.com official website

Step 2: Enter your contact information and other personal details

Step 3: Browse the best credit cards to apply for and compare the features

Step 4: Select the best credit card that perfectly complements your spending habits

Step 5: Submit your new or first-time credit card application form and enjoy instant, easy online credit approval after filling out your application form