Apply for the Best Credit Card
With Low Annual Charges
Get Free Lifetime Credit Card
With Low Annual Charges
Joining Fee: ₹300
Annual Fee: ₹500
What is a Credit Card?
A credit card is a type of borrowable money for the purchase of goods or services that you can use with an associated credit account. You can pay later in monthly bills or instalments. This has a pre-approved credit limit. Also, it is available for both online and offline use. Interest-free duration (generally up to 45–50 days). This helps build your credit score with timely payments.
Features of Credit Card Loan
Pre-approved credit limit for instant usage.
Contactless and secure payment options available.
Easy EMI conversion facility for high expenses.
Enjoy reward points, cashback, and discounts.
Manage your credit card account online anytime.
Additional cards available for family members.
Security features and fraud protection included.
Credit at your fingertips, anytime you need.
Interest-free period available on purchases.
Cashbacks, discounts, and rewards on spending.
Use anywhere in the world for your payments.
Improves your credit rating if used correctly.
Good for emergencies and daily expenses.
Online Shopping
Bill Payments
Travel Bookings
Emergency Expenses
EMI Purchases
Daily Spending
Select your profile type and check required documents
Aadhaar Card /Pan card
Aadhaar Card / Utility Bill / Rent Agreement
Income evidence (salary slip / ITR)
Last 3–6 Months Bank Statement (Salary Account)
Passport Size Photographs
Aadhaar Card /Pan card
Aadhaar Card / Utility Bill / Rent Agreement
Income evidence (salary slip / ITR)
Last 3–6 Months Bank Statement (Salary Account)
Passport Size Photographs
Interest will be charged if the bill is not paid in full.
Annual charges (depending on the card).
Late payment fees (if applicable)
Charges for cash withdrawals (if applicable)
Always pay on time to avoid extra charges
On our portal, navigate to the 'Credit Card' section.
Click on 'Apply Now' to fill out the online application, including your personal, professional, and financial information.
After a preliminary eligibility check, choose the credit card option that suits you best.
Once your details and documents are verified, based on approval you will receive the credit card.
Unlock rewards, cashback, and instant spending power—apply for your credit card now.
Find answers to the most common questions related to credit card loans, eligibility, documents, approval process, and more.
Through online, provide information, upload your documents, and get approved in no time.
It is based on your income, credit score, and profile.
Yes, on purchases for up to 45–50 days.
You may be subject to interest and late fees and your credit score may also be affected.
Yes, most credit cards support easy EMI conversion.
Yes, with OTP, PIN, and fraud protection, credit cards are safe to use.
Yes, you can get a secured credit card against FD.
There are no hidden charges when you apply through us.
No, credit cards do not need a guarantor. Approval depends on your income and credit score.
Yes, you can apply for a secured credit card against a fixed deposit (FD).
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I recently worked with Loan Bhumi and the process was smooth and fast. Highly recommended!
Very quick loan approval. Helped me during emergency. Great service and support team.
Hassle-free experience with minimal documentation. I got funds within hours.
