Nowadays, a range of payment methods are available for goods and services. Traditional payment methods are now history. When shopping, we struggled with cash and coins and bargained for the best price. We were equally worried about the safety of our money and carried lots of weight on our shoulders.

Nowadays, we are fortunate to enjoy the benefits of digitalisation, which has made our lives easier. All activities and services are now available at our fingertips. For example, you can access all banking services and apply for a Credit Card online without visiting the branch. This saves time, travel, and money while offering convenience.

For existing customers

Visit the bank’s official online platform and click on the Credit Card page. Choose a variant that fits your requirements and click the ‘check eligibility’ button. You will be redirected to the application page if you meet the eligibility criteria for the card. Fill in relevant information in the required fields and click on ‘submit.’ Upload the essential documents and use the application ID received in the acknowledgment message.

For new customers

Visit the bank branch or online platform and select the desired card type from the list of options. Enter your personal and contact details. A representative guides you through the process. Credit Card types include Fuel Credit Cards, Rewards Credit Cards, Privilege Credit Cards, Signature Credit Cards, and many more.

Documents required

Every banking process requires documents as identity, address, and income proofs, including a PAN card, driving license, Voter ID card, and passport. For proof of address, submit your bank statement, rent agreement, ration card, passport, and driving license.

Checking card status

Tracking the status after applying for a Credit Card online is simple. You can visit the bank branch or online platform for the same. To check the status of your application digitally, visit the official bank website. Provide basic details, such as name, mobile number, and PAN, and check your Credit Card eligibility. Select from different Credit Card offers and complete your application.

Once your details are verified, you are notified about your card status. Upon approval, your Credit Card is delivered to your specified address within a few days. Once you use it, you can manage your expenses by logging on to the bank’s official online platform and searching for the Credit Card EMI calculator.

If you have made expensive purchases using your Credit Card, you can convert them into equated monthly instalments spread over a tenure and attached to an interest rate.

Conclusion

Credit Cards have certain fees, which may vary depending on the card variant you hold. Some common Credit Card fees are joining fees, annual fees, late payment fees, over-limit penalties, cash withdrawal fees, rent transaction fees, foreign currency transaction fees, etc. Check them when selecting a Credit Card.