Credit Card Services - Kirat Advisory

At Kirat Advisory, we offer a wide range of credit card solutions designed to meet your financial needs. Our team of experts is dedicated to helping you choose the best credit card, ensuring you enjoy competitive interest rates and a seamless application process. We handle everything from eligibility checks to document collection, making it easy for you to get the credit card you need.

What is a Credit Card?

A credit card is a financial tool that allows cardholders to make transactions on credit and pay for them later. Cardholders can pay off the balance in full, interest-free, within a specified period (usually up to 50 days). To avoid fines, the minimum amount due (typically 5% to 10% of the total amount owed) must be paid. Any remaining balance will be carried forward to the next month, with interest applied by the credit card issuer.

Different Types of Credit Cards

Shopping Credit Cards

Shopping credit cards reward cardholders for their shopping expenses with points or cashback, redeemable for merchandise, travel, or other rewards.

Lifestyle Credit Cards

Lifestyle credit cards cater to your various lifestyle needs, offering reward points for every swipe, shopping discounts, and cashback on retail spends.

Fuel Credit Cards

Fuel credit cards provide benefits while purchasing fuel, helping to lower fuel expenses and offering additional lifestyle benefits.

Rewards Credit Cards

Rewards credit cards offer cashback, points, or travel miles for every dollar spent, which can be redeemed in various ways.

Travel Credit Cards

Travel credit cards offer exciting travel-related deals and savings, from air ticket bookings to reward points accumulation, enhancing your travel experience.

Business Credit Cards

Business credit cards are designed for business expenses, offering features and rewards tailored for business owners and professionals.

Secured Credit Cards

Secured credit cards require a deposit as collateral, ideal for those looking to build or rebuild their credit history.

Cashback Credit Cards

Cashback credit cards provide a percentage of cash back on eligible purchases, making everyday spending more rewarding.

Credit Card Features & Benefits

Credit Limit

The credit limit is the maximum amount you can spend using your credit card at any given time. It may vary based on your purchase and payment habits.

Cash Alternative

Credit cards serve as a convenient cash alternative, allowing you to make purchases and payments without carrying physical cash.

Transaction Records

Credit cards keep records of all transactions, helping you track and manage your expenses efficiently.

Rewards and Offers

Credit cards offer various rewards, cashback, and other benefits, making your spending more rewarding and cost-effective.

Credit Card Eligibility

To apply for a credit card, you generally need to meet the following criteria:

• Age: Typically 18 or older (some issuers may have a higher age requirement).
• Income: A minimum income to ensure you can repay the credit card debt.
• Credit Score: A good credit score indicating responsible credit behavior.
• Residential Status: Proof of your current address or residency.

Meeting these criteria does not guarantee approval, as the final decision rests with the credit card issuer based on their assessment of your application and creditworthiness.

Documents Required

The documents required for a credit card application typically include:

• Identity Proof: Aadhaar Card, PAN card, Driver's License, Passport, or Voter's ID.
• Address Proof: Electricity bill, Telephone bill, Aadhaar Card, or other valid proof of address.
• Annual ITR (Self-Employed): For self-employed individuals, providing your annual Income Tax Returns (ITR) might be necessary.
• Latest Salary Slips: For salaried individuals, recent salary slips to demonstrate income and repayment capacity.

Why Choose Kirat Advisory?

At Kirat Advisory, we aim to make the credit card application process as smooth and straightforward as possible. Here's how we can help:

• Expert Guidance: Our experienced advisors will help you choose the best credit card based on your needs and eligibility.
• Competitive Interest Rates: We work with a wide network of issuers to secure the best interest rates for you.
• Hassle-Free Process: From eligibility checks to document collection and application submission, we handle everything for you.
• Quick Approval: Our streamlined processes ensure that your credit card application is approved promptly.
• Customer Support: Our dedicated support team is always available to answer your questions and assist you throughout the application process.

Get Started Today

Ready to take the next step? Contact Kirat Advisory today and let us help you find the perfect credit card solution for your needs. Visit our website or reach out to our customer service team to begin your hassle-free credit card application journey.