Credit CardsA credit Card for everyone backed by fixed deposit
CELEBRATE YOUR DREAMS WITH FORRTUNA
Credit cards offer benefits across multiple categories such as travel, shopping, fuel, etc, in the form of reward points, cashback, and discounts. However, you can maximize the benefits offered, only if you make an informed choice. Note, that the best credit card for you is the one that is chosen based on your lifestyle habits and spending patterns.
At Forrtuna, you can compare and apply online for credit cards and find the right card for you. Based on your eligibility, you can check pre-approved offers from top providers such as Axis Bank, ICICI and SBI among others and get instant approval
Age: 18 to 60 years
Income For Salaried: Minimum Rs.20,000 per month
Income for Self Employed: ITR> or equal to Rs.3 lakh per annum
Credit Score : 700 & above
The documentation requirement also varies from issuer to issuer. Some of the key documents required to apply for a credit card are as follows:
|Identity & Signature Proof||Passport, PAN card, Driving License, Voter ID card, Aadhaar card, employee identity card in case of government employees. (any 1)|
|Address Proof||Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving License, telephone/ electricity/ water/ credit card bill or Property tax. (any 1)|
|Age Proof||Voter ID card, Secondary School Certificate (class 10), birth certificate, Passport, Aadhaar Card, pension payment order or Receipt of LIC policy. (any 1)|
|Income proof for Salaried Individual||Latest 3 months’ salary slips, Salary account bank statement for six months.|
|Income proof for Self-employed Businessmen/Professionals||Latest IT Returns with computation of income and other certified financial documents along with business continuity proof.|
Note: If you have a pre-approved credit card offer from an issuer, you may not have to submit any document, especially if you already have an existing banking relationship with the issuer.
How to choose the best credit card for you
Here are seven questions to ask to help you start your search for the ideal card and limit your options.
What choices do you have (particularly if you have no credit history)?
Do you currently possess a credit card?
Do you prefer rewards, cashback, or air miles as your preferred form of value return?
What kind of purchases would you like the most money reimbursed for?
Do you have a favourite brand, online retailer, or airline?
Would you be willing to pay an annual charge of a particular amount if the card offered the proper benefits for your needs?
Are you a high spender who could reach the spending requirement to qualify for a fee waiver or milestone benefits?
Understanding your spending habits and deciding on the kind of value-back you want from the card is the ideal place to start when selecting the finest card.