Deal4Ask is a platform that helps individuals in India access credit cards from a variety of financial institutions. By using Deal4Ask, you can save time and effort when applying for a credit card, as the platform allows you to compare rates, rewards and terms from multiple lenders in one place. This can help you find the best deal for your credit card, which can save you money in the long run and also provide you with rewards and benefits that align with your lifestyle and spending habits.
Another benefit of using Deal4Ask is that the platform offers a streamlined application process. You can apply for a credit card online in a few simple steps, and Deal4Ask will help you gather all the necessary documents and information. This can make the process of applying for a credit card much easier and less time-consuming, as you won't have to visit multiple financial institutions in person.
Additionally, Deal4Ask offers a range of credit card options to suit different needs, such as cashback credit cards, travel credit cards, and rewards credit cards. With the help of Deal4Ask, you can find the right credit card option that best fits your specific needs, which can help you increase your financial flexibility and make the most of your credit. Furthermore, Deal4Ask will also help you understand the various credit card products and to compare them to make an informed decision.
| Credit Card | Category |
|---|---|
| RBL Bank Deal4ask SaveMax Co-branded Credit Card | Reward Points |
| FinBooster: YES BANK – Deal4ask Co-branded Credit Card | Reward Points |
| IndusInd Platinum Card | Fee Waiver |
| IndusInd Platinum Aura Edge Visa Card | Lifestyle |
| Citi Cash Back Credit Card | Cash Back |
| Citi Rewards Card | Rewards |
| IndianOil Citi Credit Card | Fuel |
| HDFC Diners ClubMiles Card | Lounge Access |
| HDFC Freedom Card | Reward Points |
| Axis Bank Neo Credit Card | Shopping and Movies |
| HSBC Platinum Credit Card | Travel and Dining |
| Kotak PVR Gold Credit Card | Movies |
| Welcome Gift | Many banks offer a welcome gift to new credit card applicants once the card is issued to them in the form of bonus reward points, vouchers, discounts, etc. |
| Rewards Program | All credit cards generally have a reward program, which allows cardholders to earn reward points on every transaction they make using their cards. |
| Fuel Surcharge Waiver | Banks offer a fuel surcharge waiver to the cardholders on spending a specific amount of money on fuel every month. |
| Cashback Benefits | Many credit cards offer cashback benefits to the customers. |
| Lifestyle Benefits | Cardholders can enjoy various lifestyle benefits on their credit cards, such as offers on dining, shopping, wellness, entertainment, etc. |
| Travel Benefits | Travel benefits of credit cards include air miles, airport lounge access, travel insurance, airline offers, hotel offers, etc. |
| Airport Lounge Access | Some credit cards offer complimentary airport lounge access to cardholders. The offer varies from one bank to another. |
| Add-on Cards | Many banks allow their credit cardholders to apply for add-on credit cards for their immediate family members. |
| Insurance Coverage | Some premier cards provide a comprehensive insurance policy that provides coverage against air accidents, life, lost baggage, lost card, outstanding, etc. |
| Balance Transfer | Credit cardholders can transfer the outstanding balance of their existing cards issued by one bank to the credit card account of another bank. |
| Global Acceptance | Today, most credit cards that are issued in India are international credit cards and are accepted by various merchants all over the world. |
| EMI Conversion | The feature allows the credit card members to convert their credit card transactions into easy monthly instalments (EMIs). |
| Credit Score | Owning a credit card helps you build a healthy CIBIL score By making timely payments on your card and in full, you receive a positive credit score for credit bureau, CIBIL. |
The eligibility criteria for a credit card are dependent on a range of factors. Check out the primary eligibility criteria for credit cards
| Eligibility Criteria | Requirement |
|---|---|
| Nationality | Indian |
| Age | 18 years |
| Employment status | Salaried or Self-employed |
| Income | Depends on one bank to the other |
| Credit Score | Good credit score (700 and above) |
Applicants can submit any one of the ID proof, address proof, and income proof documents listed below.
| Requirements | Salaried Individuals | Self Employed |
|---|---|---|
| ID Proof | Passport, Permanent Account Number (PAN) card, Aadhaar card, Voter’s ID | Passport, PAN card, Aadhaar card, Voter’s ID |
| Residential Proof | Aadhaar Card, Electricity Bill, Telephone bill | Aadhaar Card, Electricity Bill, Telephone bill |
| Income Proof | Salary Certificate, Recent Salary slips, Employment Offer Letter | Certified Financials, Recent Income Tax Returns (ITR) Statement, Passport |