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Check out the best suitable credit for you with Fair Fincorp. 


  • 20+ credit cards from central banks
  • You get the freedom to compare the benefits.
  • 100% digital process


Credit cards are a handy substitute to cash for online and offline purchases. Credit cards have two main benefits. First, even if you do not have sufficient funds in your bank account, you can continue shopping through them. If you pay the full bill of your credit card and your credit card transactions are at no additional cost by the due date. The second advantage is the credit card advantages offered by rewards, cashbacks, etc.


You must first have the correct card for your spending pattern, lifestyle, and needs to make the most of a credit card. At Fair Fincorp, we can help you know all about India’s top banks and what best credit cards to choose from on the market.

Why Do I have a Credit Card?

  • In addition to promoting use, it is crucial for the following reasons that a credit card is available:
    • Helps build a substantial credit worthiness
    • The credit limits up to 45 days for interest-free
    • Online &offline trouble-free purchases
    • It has fantastic rewards, cashback, discounts, and deals, etc.
    • Useful in financial emergencies
    • Huge shopping and later payment in simple EMIs
    • All transactions are safe as OTP & PIN authentication is required

What are the benefits of having a credit card?

  • Through a credit card, you will benefit from the following advantages

Welcome offers: The majority of credit cards today offer welcome gift coupons, bonuses, or bonus points.


Bonus or Cash Back Points: You collect loyalty points, air miles, or cash credits on your account each time you make a payment on your wallet. You will use the accrued awards and use prizes and products, while cashback is credited directly to the card account. Air miles can be used at reduced rates to book airline fares.


Exemption from the fuel surcharge: Virtually all cards have this perk that waives the tax if you refuel your vehicle, so long as you spend some capital.


Links to the Airport lounge: several credit cards also offer various free visits to domestic and international airports every year. In specific, these advantages provide travel-centered cards and luxury cards.


Insurance: Credit cards also provide up to a minimum level of insurance and accident benefits. It could require air crash coverage, card loss coverage, or hospital coverage abroad.


Cash Withdrawal: You can also borrow cash directly by credit card from an ATM. It’s convenient anytime you need urgent cash in an emergency.

What are the types of credit cards?

  • People think that all credit cards are the same but it isn’t true. Each credit card helps you solve a specific purpose. Let’s see how many types of credit cards are available today.

Credit Card for Shopping

Do you love to shop? Is it too popular for you to frequent malls and shops? Do you open your mobile every day with e-commerce applications? This article is especially for you if the answer to one of these questions is YES. Any time you go shopping online or in shops, your credit cards provide you with a range of deals, discounts, cashback, and incentives.

Credit Card for Travel

Luxury frequent travelers always search for free airport lounge entry. The lounges provide a break from the airport’s crowds and noise. Comfortable seating, charging ports, and even you can find free snacks. However, admission is not open to these lounges. Therefore, some Indian travel credit cards provide extra value by giving free access to the lounge.

Fuel Credit Card

The rise in fuel prices could result in high costs for those who frequently drive long distances in their vehicles. This situation will lead to substantial savings with a credit card with incentives for gasoline expenditures.

The advantages of fuel cards are cashback, deductions for additional costs, and more.

Credit Card for Rewards

Rewards are known as one of the most desirable credit card perks. Whenever you use a credit card, your account credits a few loyalty points. For example, 2000 reward points can give you access to gift vouchers, merchandise, or cash credit for the same amount.

Entertainment Credit Card

Leisure is an integral part of our lives. Every year we spend a portion of our income on entertainment – cinemas, shows, music, plays, sports, and other activities. Banks and NBFCs strive to make entertainment for their customers cheaper by offering exclusively entertaining credit cards. Some banks have also joined in with movie theaters to launch credit cards, offering additional cinema benefits.

Zero Annual Fee Credit Card

It’s only worth paying a massive annual fee on your credit card if you earn significant benefits. Otherwise, the affordability and long-term advantages of credit cards without a yearly charge are higher. Without upfront charges, you can keep these credit cards operational. In comparison, you should make a considerable effort in improving your credit score if you pay minimum lifetime free credit card expenses so that the credit use rate decreases considerably.

Premium Credit Cards

Nearly all major banks in India offer at least one premium credit card for high net worth individuals. You meet your wealthy customer to sell these cards with a very high credit cap. Premium credit cards offer massive segment rewards but still charge a large annual fee. Therefore, here are the three most important things to know about India’s highest premium credit cards before we talk about them.

  1. Not everybody is entitled to Elite Credit Cards
  2. They are also subject to a substantial annual charge (Rs 10,000 to Rs20,000)
  3. In comparison to regular cards, luxury credit cards offer unique rewards

Co-Branded Credit Cards

Co-branded credit cards are introduced by well-known brands, which have added incentives as consumers take advantage of the relevant goods or services. It began earlier in the USA when banks began to introduce cards with airlines and hotels, the way lifestyle and department stores were quick to suit. Credit card branded co-branded airlines, lifestyle and fuel labels are mainly used in India.

Secured Credit Cards

This credit card is backed by collateral, as indicated by the term. The customer has to deposit funds with the bank rather than receiving the card approval. Such a credit card is a better choice for persons with no positive credit score or credit history. These credit cards come in the same manner as the regular/unsecured credit card and run on fixed depositions. The only distinction is that if a customer fails, the card issuer will redeem the balance utilizing a fixed deposit in the case of a secured credit card.

How to Apply Credit Card with Fair Fincorp

The growing demand for credit cards on the market has made applying convenient for consumers for banks and financial institutions. You can request a credit card online or offline. Call +91 989 766 6966 & speak to our representative today for the best suitable credit card.

Eligibility & Documents Required

A card’s eligibility varies between providers. The fundamental conditions, however, are:

  • You have to be 18 years old, at least.
  • You have to have a stable income source to cover the bills, whether working or self-employed (minimum income bracket differs from one card to another).
  • It will help if you have a decent credit score (Preferably 700 and above)

Required Documents for Credit Cards

The paperwork criteria often differ between issuers; but primary lenders ask the following:

Evidence of Identification and Signature- PAN card, driving license, Voter ID card, Aadhaar card, Government Employee’s id card.

Address Verification- Bank account, mortgage deal, ID card, ration card, visas, driving license bill, or property tax.

Age Verification: Voter ID Card, Class 10th certificate, Birth Certificate, Aadhaar Card, orLIC Pension Order or Receipt scheme.

Salaried Individual evidence of income: pay slips not less than three months, six-month pay account bank statement.

Proof of income for self-employed: latest IT income statements and other accounting records approved with evidence for company stability. Evidence for self-employed businesspeople.

Credit Cards fee & Charges

The significant credit card fee you need to pay is the joining fee & annual fee. However, you may hear about charges as follows:

Duplicate Statement charges: A set amount fee is applicable where the consumer demands a physical credit card statement.

Late Payment Charge: There is a penalty to be charged in addition to the applicable interest charges. The cardholder is not liable for paying this amount in due time.

Cash Withdrawal Charges: In the cardholder’s event using its credit card to make cash transactions from the ATM, the cash withdrawal interest shall be paid.

GST: Any purchases incurred with a credit card are paid with the goods and services tax (GST). The transaction’s value, including the interest, fees, and additional fees, depends on GST.

ECS or Cheque Return Charge: There is a set fee to be paid if ECS malfunction or cheque bounces by the cardholder.

Foreign Currency Transactions: For purchases made on foreign soil, this payment is a fixed percentage of the transaction value.

Over draft/limit Fee: If the expenses, payment owed to cardholders surpass their credit limit, the cardholder shall incur an additional amount over & above.

Credit Card Bill & its Payments

Every month on a specific date, your bank sends a credit card statement or bill. You find the due date in it. It’s the day by which you need to pay the bill. Delaying in it will hamper your credit score and invite late payment fees & interest charges.

You notice the outstanding amount as minimum amount due & the total amount due. The total amount due is the entire outstanding till date you owe to the bank. While you can pay minimum amount due if you aren’t in the position to pay total amount due.  However, paying minimum amount due will invite additional charges in the form of interest. Therefore, always try to pay the total amount due to prevent additional interest.

You will also make a late charge on your credit cards. Your credit report has a ‘Days Past Due’ feature, which displays your credit account number of days after the time it was due. It leads to a low credit score, which makes it hard for you in the future to receive loans. Any essential requirements for your payment by credit card are:

Total Amount Due:  It’s the total outstanding you’re entitled to pay to your bank.

Minimum Amount Due: Minimum payment to avoid late payment charges.

Billing Date: The date when your bank generates the credit card statement.

Billing Cycle: The period between two credit card statement dates.

Due Date: The date before which you must pay your credit card bill.

Reward Point Balance:  Refers to the total number of loyalty or rewards points you have.

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