Apply for credit card

General information

Do You Have Any Credit Card(S) ? *

Do You Have Any Active Loan(S) ? *

Current profession ? *

Net Monthly salary *

Profession type ? *

Your Speciality *

Years In Current Profession? *

Years In Current Business ? *

Gross annual turnover/receipt?

Gross annual profit ?

Personal information

Full name (As Per PAN Card) *

Gender *

Marital status *

DOB *

Mobile number *

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Email address

PAN number *

Aadhar Number *

Addrsss details

Residence address line 1

Residence address line 2

State *

District *

City *

Pincode *

Residence Type *

I have read and agree to the Terms & conditions *

Documentation

1. Pan card (individual / firm / company)

Pan card (individual / partners / directors )

2. Residence Address Proof: Any One from the following:

Utility Bills / passport copy/Aadhar card / Driving license/ Voter card ( any One )

3. Office Address Proof: Any One from the following:-

Property Documents
Utility Bills
Any registration of (industrial /firm/company)

4. Office / Residence Ownership Proof (if any): Any One from the following:-

Property Documents
Electricity Bills

5. Business Existence Proof Any One from the following:

Shop Establishment Act
Any Tax Registration Copy
Company Registration license
Company MOA& ROC return
Partnership Deed ( if partnership firm )

6. Income Proof:-

Latest 3 years Income Tax Returns including Computation of Income, Profit and Loss Account, Balance Sheet, Audit Report, etc.,
Last 12 months bank statement current / limit.

7. Required Documents for Balance Transfer (Existing Bank):-

Foreclosure letter from the bank.
Loan statements

Terms & Conditions

Stamp duty at actual as per applicable law.
Interest rate of sub. (subject to change as per terms and conditions /agreement) as per lender (monthly reducing)
Processing charge of the borrower will be according to the lender.
Govt. tax and levy as per applicable government laws would be charge on all fees and charges.
Cheque/SI/ECS return charges (without prejudice to the civil and criminal rights and remedies of the bank for the dishonor) As per lender
Default interest / late payment charge: as per lender
Legal repossession and incidental charges: At actual
Duplicate amortization/ repayment schedule: as per lender
Cheque /Si/ESI swapping charges: As per lender
Details of security As per lender
Taxes at actual, applicable presently or in future.
Date on which annual outstanding balance statement will be issued:31st may
Loan cancellation charges: As per lender Interest would be charged for the interim period between the date of disbursement and date of loan cancellation
Gap interest will be recovered from disbursement amount where the number of the days between account credit date (i.e. of the disbursement amount ) and first EMI date is more that 30/31 days

You're probably eligible for a Credit Card if you are

At Least 23 Years Old
Less Than 65 Years Old
Salary Must Be In Your Account
Minimum salary required Rs.15000/Month credit in bank
Minimum job experience / stability 6 months
Minimum Net Annual ITR 1.5 Lakh
Must have a 6 month old current account
Business must be 2 years old
No Collateral required

Credit cards are a unsecured Loan provided by the financial institute ( bank/nbfc) with a limit of money provided to a card holder by the institution. these institutions also allows you to make purchase and with a options of easy EMI. and they allows you to pay back the money you have borrowed within the time period of 25-30 days. If you don’t pay it in that time period, then you have to pay interest of a percentage of the money you have taken from the bank with the principal amount.

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