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Key Features of a Credit Card

  • Instant Approval: Get quick and hassle-free approval with minimal paperwork, ensuring you receive your credit card without long processing times.
  • Attractive Rewards: Earn cashback, travel points, and exclusive benefits every time you make a purchase, making your spending more rewarding.
  • Flexible Credit Limit: Your credit limit is tailored to your salary and credit profile, providing financial flexibility while managing expenses smartly.
  • Low-Interest Rates: Benefit from competitive interest rates starting as low as 12% per annum, ensuring affordability and cost-effective borrowing.
  • Flexible Repayment: Choose between easy EMI options or full payment before the due date, giving you the convenience of managing your payments seamlessly.
  • No Collateral Required: Get a credit card without pledging any assets—your approval is based solely on your income and creditworthiness, making it more accessible.
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Types of Credit Cards

  • Standard Credit Cards: These are basic credit cards that offer a fixed credit limit and are suitable for everyday expenses. They typically come with interest rates and standard rewards or cashback options.
  • Rewards Credit Cards: These cards offer rewards points or cashback for every purchase you make. You can redeem the rewards for travel, shopping, or statement credits. Ideal for individuals who frequently make purchases.
  • Cashback Credit Cards: As the name suggests, these cards offer cashback on purchases, usually a percentage of the amount spent. They are perfect for individuals who prefer cash rewards instead of points or travel miles.
  • Travel Credit Cards: Travel credit cards provide rewards and benefits for frequent travelers, such as airline miles, access to airport lounges, and discounts on hotel bookings or flight tickets.
  • Secured Credit Cards: These cards require a deposit as collateral and are generally offered to people with no credit history or poor credit scores.
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  • Premium Credit Cards: These are high-end cards that offer luxury benefits like concierge services, access to exclusive events, higher rewards points, and other perks. They often come with high annual fees but offer substantial benefits for frequent travelers or big spenders.
  • Business Credit Cards: Business credit cards are designed for business owners to manage their business expenses. They often come with additional features like expense tracking, higher credit limits, and rewards tailored for business-related purchases.
  • 0% APR Credit Cards: These cards offer an introductory 0% APR (Annual Percentage Rate) for a specified period, usually 12-18 months. They are great for making large purchases or transferring balances from other high-interest cards without paying interest during the promotional period.
  • Balance Transfer Credit Cards: These cards are specifically designed for individuals looking to transfer high-interest debt from one or more credit cards to a new card with a low or 0% interest rate for a limited time.
  • No Annual Fee Credit Cards: These cards don’t charge an annual fee, making them cost-effective for those who don't want to pay extra fees for maintaining their credit card account.
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How Does a Credit Card Work?

  • Eligibility Check: Lenders evaluate your income, credit score, and work history to determine your credit limit.
  • Credit Limit: You get a pre-approved credit limit, depending on your salary and credit profile.
  • Revolving Credit: Use the card for various expenses and repay over time in flexible installments.
  • Payment Flexibility: Choose to pay the full bill or opt for EMI conversion on purchases.

Eligibility Criteria for Credit Cards

To qualify for a salaried credit card at Login to Loans, you need:

  • Age: 21 to 60 years.
  • Employment Status: Must be employed in a government, private sector, or MNC.
  • Credit Score: 650+ for better offers.
  • Minimum Monthly Income: ₹25,000 or as per lender guidelines.
  • Work Experience: Minimum 1 year in the current company.

Documents Required

Applying for a salaried credit card is simple. You need:

  • KYC Documents: PAN Card, Aadhar Card, Passport, or Voter ID.
  • Income Proof: Latest salary slips or bank statements for the last 3-6 months.
  • Address Proof: Utility bills, rent agreement, or a bank statement.

Why Choose Login to Loans for a Credit Card?

  • Instant Approval: Get approved within minutes.
  • Flexible Credit Limits: Based on your salary and credit profile.
  • Exclusive Rewards: Enjoy cashback, discounts, and loyalty points.
  • No Extra Documentation: Apply with minimal paperwork.

Frequently Asked Questions

What is a credit card?
A credit card is a financial tool issued by banks or financial institutions that allows you to borrow money up to a predetermined limit for purchases, cash advances, and bill payments. You must repay the borrowed amount, usually on a monthly basis, along with any applicable interest.
How does a credit card work?
When you use a credit card for a transaction, the card issuer pays the merchant on your behalf. You are then required to repay the issuer either in full by the due date or in installments with interest.
What is a credit limit?
A credit limit is the maximum amount you can borrow on your credit card. It is determined by your creditworthiness, income, and repayment history.
What happens if I exceed my credit limit?
If you exceed your credit limit, your transaction may be declined, or you may be charged an over-limit fee, depending on the issuer’s policy.
How do I avoid paying interest on my credit card?
To avoid interest charges, pay your full statement balance by the due date each month. Interest is typically charged only on unpaid balances carried over to the next billing cycle.

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