Do you want a smart way to shop, pay bills, book tickets, and get rewards? A credit card can help you do all that and more. It is like having a money friend in your pocket. But choosing the right credit card can feel confusing. There are so many types, offers, and rules. That is where Grow Rupiz comes in. We are not a bank. We do not give credit cards ourselves. But we help you choose and apply for the best one based on your needs. We talk to banks, compare offers, and help with the process—for free.
A credit card is a plastic card given by a bank or NBFC that lets you borrow money to pay for things. You can swipe it at shops or use it online to buy anything you need. You do not need to pay right away. The bank gives you 15 to 50 days to pay back. If you pay within this time, there is no extra charge. If you delay, they add interest. It is like using the bank’s money for free for some days if used smartly.
Credit cards are popular because:
Begin by confirming your identity.
Ensure all your information is accurate.
Select from a range of cards tailored to your needs.
Complete the process and receive your card with ease.
A Credit Card enables you to buy products and services on credit, allowing you to pay for them at a later date. It empowers you to make instant purchases without postponing expenses due to limited funds in your Savings Account.
When you use a Credit Card, the bank pays merchants on your behalf. You then repay the bank, receiving a monthly statement with the option to pay the full balance or a minimum amount by the due date.
Yes, if the existing card is from another bank and the applicant has a good Credit Score. However, having an existing HDFC Bank Credit Card prevents applying for another.
Certain charges are applicable regardless of card usage. However, conditions may allow for charge waivers.
Accumulated Reward Points can be redeemed for products, gift vouchers, flight tickets, hotel bookings, etc., through NetBanking.
Interest is charged if the total outstanding amount is not repaid by the bill due date. Unpaid dues and additional transactions attract interest until the pending amount is repaid in full.
Failing to pay the minimum amount due by the payment due date results in a late payment fee. Frequent late payments may affect your Credit Rating.
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