When you use a credit card for payments, your bank/lender covers the expense, and you must repay it within the billing cycle (usually 30-50 days). If not paid in full, interest is charged on the remaining balance.

✅ Easy transactions – Use it anywhere for shopping, dining, travel, and more.
✅ Rewards & cashback – Earn points, discounts, and cashback on every spend.
✅ Interest-free period – Get up to 50 days of credit without interest.
✅ EMI conversion – Convert big purchases into affordable monthly EMIs.
✅ Build your credit score – Timely payments improve your CIBIL score.

💳 Cashback Credit Cards – Earn cashback on purchases.
💳 Reward Credit Cards – Get reward points for every transaction.
💳 Travel Credit Cards – Offers free lounge access, travel rewards & discounts.
💳 Fuel Credit Cards – Get fuel surcharge waivers & discounts.
💳 Shopping Credit Cards – Ideal for online/offline shopping with special offers.
💳 Business Credit Cards – Best for entrepreneurs & corporate professionals.

To qualify for a credit card, you generally need:
✔ Age: 21-60 years
✔ Minimum income: ₹15,000 - ₹50,000 per month (varies by card)
✔ CIBIL Score: 700+ (higher score improves approval chances)
✔ Employment type: Salaried or self-employed

Yes! Some banks offer secured credit cards (backed by FD) for those with a low credit score. You can improve your CIBIL score with responsible usage.

To increase your credit limit:
✔ Maintain a good repayment history
✔ Use your card regularly and responsibly
✔ Request a limit increase from your bank after 6-12 months

❌ Late payment fees
❌ Interest on the outstanding balance
❌ Negative impact on your CIBIL score
❌ Possible card suspension if overdue for a long time

Applying is simple!
✅ Visit Policybulls.com and choose a credit card.
✅ Submit your basic details & documents.
✅ Get approval & card delivery in just a few days!