Credit Card Information & Guide (India)
Credit Card ek financial tool hai jisse aap shopping, bill payment, travel booking aur emergency Kharch kar sakte hain aur usake baad me bill pay karana hota hai. Sahi card choose karna important hota hai kyunki har card ke benefits alag hote hain.
ZaruratLoan.com par hum aapko different types ke credit cards, benefits, charges, eligibility aur bank-wise options simple language me samjhate hain.
Credit Card Kya Hota Hai?
Credit card ek card hota hai usi card me bank aapko ek credit limit deta hai. Aap us limit tak kharcha kar sakte ho aur due date tak payment karna hota hai.
Cashless payment
Reward points
Offers & discounts
EMI conversion option
Types of Credit Cards (Sub Categories)
1. Lifetime Free Credit Card
Aise cards jisme annual fee nahi hoti (conditions apply). Beginners ke liye accha option.
2. Zero Balance Credit Card
Kuch cards me minimum spend ya maintenance charge nahi hota, easy usage ke liye.
3. Cashback Credit Card
Shopping, bill payment aur online transactions par cashback milta hai.
4. Fuel Credit Card
Petrol pump par extra charge nahi lagata aur fuel points milte hain.
5. Travel Credit Card
Flight booking, hotel stay aur travel spends par rewards, lounge access jaise benefits.
6. Low CIBIL Credit Card
Agar credit score kam hai to secured ya special category cards mil sakte hain.
7. Bank Wise Credit Card
Different banks ke credit card offers, joining fee, rewards aur eligibility compare karne ki guide.
General Eligibility
- Age: 18–60 years (bank par depend)
- Income source
- Valid ID proof
- Bank account
- Good CIBIL score helpful
Important Charges Samjhein
- Annual fee
- Interest rate on outstanding bill
- Late payment charges
- Cash withdrawal fee
Credit Card Use Karne ke Tips
Time par bill pay kare
Limit ka pura use na kare
Extra charges check kare
Rewards ka sahi use kare
Why Use ZaruratLoan.com Credit Card Guide?
Simple Hindi + English explanation
Beginners friendly info
Different card types ek jagah
Smart financial decision me help
Disclaimer
ZaruratLoan.com kisi bank ya credit card dene ki official website nahi hai. Hum sirf credit card information aur educational guidance provide karte hain. Final approval bank ke rules par depend karta hai.