Overview

A credit card is a thin rectangular piece of plastic or metal issued by a bank or financial services company that allows cardholders to borrow funds with which to pay for goods and services with merchants that accept cards for payment. Credit cards impose the condition that cardholders pay back the borrowed money, plus any applicable interest, as well as any additional agreed-upon charges, either in full by the billing date or over time.

Best Top Credit Cards

Credit Cards Annual Fee Best Suited For

Rs. 499

Cashback

Rs 1000

Rewards

Rs.500

Rewards Points

Rs. 500

Fee Waiver

Rs.1000

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Types Of Credit Cards

Explore our most popular card categories to find credit cards with
the benefits you're looking for.

Eligibility Criteria & Documents Needed

  • Eligibility Criteria

    • Age

    • Residence

    • Income

    • Credit Score

    • The minimum age for applying is 18 years
    • You must be a resident of India
    • The minimum annual income is ₹1.8 lakh.
    • Good credit score (700 and above)

  • Documents Required

    • Identity Proof

    • Address Proof

    • Income Proof

    • Passport, PAN card, Voter’s ID, Aadhaar card, driving licence, arms licence, ration card,
    • Passport, Voter’s ID, Aadhaar card, driving licence, ration card, property documents, lease/rent agreement,
    • Form 16, income tax returns, salary slips of the last three months, bank statements of the previous six months.

Features and Benifits

Cashback Benefits

The advantages of credit cards extend to discounts on some of your favourite entertainment and dining outlets, travel and shopping apps, etc.

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.

Lifestyle Benifits

Cardholders can enjoy various lifestyle benefits on their credit cards, such as offers on dining, shopping, wellness, entertainment, etc.

Travel Benefits

TThe uses of credit cards in travel make them important. When it comes to Low Interest credit cards, they give you a unique experience through complimentary lounge access at the airports and railway stations in India and priority check-in. Other than these, you can also enjoy discounts on food in more than 280 restaurants.

Insurance Coverage

You get personal accident coverage, as well as comprehensive travel insurance coverage and this is one of the significant benefits of credit cards, which make them attractive.

Credit Score

The benefits of credit cards do not limit to shopping on credit; instead, it helps improve your credit score. If you know how to use a credit card and how to make use of the credit period, and repay the amount used on time, you can boost your CIBIL score.

How to Apply for a Credit Card?

Applying for the best credit card online on the Low Interest website is easy. You can follow the below-mentioned steps to successfully complete the process:

Steps to check your credit report at Low Intetest-

Step 1 :

Visit the Low Interest official website.

Step 2 :

Enter your contact information and other personal details.

Step 3 :

If you have an offer, browse through the card options available on the site and compare their features.

Step 4 :

Select the best credit card that perfectly complements your spending habits.

Step 5 :

Check the eligibility criteria for the card of your choice..

Step 5 :

Submit your application form to initiate the application process for the online credit card.

Apply Now

Frequently Asked Questions

A credit card is a financial tool that lets you borrow a certain sum of money against the assigned credit limit and repay it later in full or in instalments. They also offer other benefits such as rewards, cashback, etc. You can apply for a credit card online or offline.

A credit card can be used online as well as offline to make purchases. 1) When paying for purchases online, you would need to follow the steps mentioned below: Step 1: Select ‘Credit Card’ as your mode of payment at the payment gateway. Step 2: Enter your credit card details, including the 16-digit card number, credit card expiry date, credit card CVV, and name as printed on the card. Step 3: Click on ‘Pay’. Step 4: Once redirected, you must authenticate the payment by entering the OTP sent to your registered mobile number or email ID. 2) When you use a credit card to pay for your purchases offline at a point-of-sale (PoS) machine, you would need to either swipe or insert it. The machine will then ask you to enter the PIN (personal identification number) to authenticate the transaction. 3) In case you have a contactless credit card, you can simply tap the card against the card reader to complete the transaction.
The eligibility criteria varies depending on the credit card you apply for. You must fall within the age limit (usually between 18 and 65 years of age), should be a resident of India or a non-resident Indian (NRI), must have a good credit score, and fall within the set income bracket to apply for a credit card. You can check the credit card eligibility for different cards
The eligibility criteria varies depending on the credit card you apply for. You must fall within the age limit (usually between 18 and 65 years of age), should be a resident of India or a non-resident Indian (NRI), must have a good credit score, and fall within the set income bracket to apply for a credit card. You can check the credit card eligibility for different cards