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Credit Card

Credit Cards With Vizza FinTech


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Global recognition -nowadays, roughly all cards are international cards. Therefore, they have worldwide acceptance.

Balance Transfer Facility - You can transfer the outstanding balance in your existing Credit Card to the card issued by another bank. Banks charge concessional rate of interest on such balance transfers.

Pay by easy installments - Many banks offer the installment payment option to their cardholders. These plans come with attractive interest rates. Specific cards allow you to repay at 0% interest as well.

Pay utility bills with ease - Various utility service providers have this option of registering your card details for the monthly payments. It enables you to pay the bills without any reminders. However, you do get alerts on your registered mobile numbers.

Monthly payment alerts - Banks have facilities whereby they send you SMS alerts about your monthly payment obligations.

You can possess a Credit Card and benefit from a variety of rewards that comes along such as such as cash back benefits, reward programs, bonus points, gift vouchers, and multiple other benefits.

Credit Cards are the ideal substitute to cash. There is no need of hauling large amount of money when you have a Credit Card.

You get lower interest fee depending on the billing date and the due date. The utmost interest-free period varies.

There are Credit Cards that come with insurance coverage.

Applicant Age - The minimum age required to apply for a credit card is 21 years

Income - Banks have diverse criteria as far as monthly income is concerned. This changes for every bank

Credit History - A score of 700 and higher is considerable for providing a credit card. Your credit account will provide the information of credit history.

FAQ’s

 The Add-On Credit Card is an additional credit card issued to the immediate family members of the principal applicant. The Add-On cards do not have any separate limits. Family members can use this card independently but within the limits of the primary Credit Card. 
This is the maximum amount that is approved for use by the card issuing bank/ NBFC. Card can be used for spends for an amount less than or equal to the assigned credit limit. Assigned credit limit depends on the card variant and the user’s credit profile.

It is a comprehensive statement of your credit card generated at the end of each billing cycle/date. It contains details like total bill due on the billing date, Minimum amount due, due date for bill payment, split of expenses and credits in the current bill cycle, finances charges applicable to the current billing cycle etc.

Though the payment of the minimum amount due before the due date helps users avoid late payment fees, however, it is highly recommended to pay the entire amount due in a billing cycle. In case, the user pays for only the minimum amount due, then interest is charged on the pending amount.

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