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  • Credit cards are widely used by people to manage their expenses. Almost everyone who holds an active bank account is now eligible to have a credit card. Many banks, financial institutes, as well as lenders provide credit card facilities to their account holders at different interest levels. Credit cardholders can handle emergency financial needs, enjoy luxury, and also earn rewards for the credit cards.
  • A credit card is suitable for those who do not want to take a loan. It offers an instant money lending facility. Credit cardholders enjoy the readymade funds that the cards can offer to meet their emergencies. Interest-free credit for up to 48 days, is a value add for the credit cardholders. The 28-days pay cycle also helps cardholders to plan their fund effectively and efficiently. Automated bill pay, EMI options, and other facilities help borrowers. 
  • Are you also willing to have a credit card of your own? At Paisa Expo we allow you to select a credit from a list of banks and financial services suitable to you. Our experts are also available to help you in your making a decision as well as the paperwork for the same.




  • A credit card is a financial tool that is similar to a debit card/ATM card, made of metallic alloy, graphite, and even plastic which helps in the identification of the financial accounts. The cards come with a magnetic strip on the backside along with an RFID chip. The card also contains the account number and the name of the cardholder or the business on the front side.
  • The card issuer provides the cardholder with a specific credit amount that can be used by the holder. The amount used by the cardholder needs to be paid back to the company or bank within 30 to 45 days which is known as grace period from the date of purchase.



  • The individual is said to be eligible for a credit card when he/she is a minimum of 18 years of age. The minimum income of the individual should range between Rs. 15000/- to Rs. 25000/- which depends on the bank or financial firm you are having the credit card from. Lastly, the individual needs to have a stable income that is he should be salaried or self-employed too.



Paisa Expo recommends credit cards to those individuals who are looking for some funds to meet emergencies. Some of the handy benefits of credit cards include:

  • A great alternative to cash as well as loans
  • Maximum interest-free period of around 40 to 45 days for repayment
  • Cash advance facilities for emergencies
  • Different credit cards for different traveling benefits, lifestyle benefits, fuel surcharge waiver, etc.



Credit cards are widely used by individuals to meet any urgencies or for improving their standard of living. With an interest-free period of repayment, the amount becomes easy to repay too. Here are the characteristics of a credit card:

  • Equal monthly installment payments
  • Zero documentation
  • Instant approvals
  • Benefits of regular reward points even on EMI payments




  • Filled application form
  • Passport-size photos
  • Identity proofs like PAN, passport, Aadhar card, etc.
  • Residential proofs like driving license, utility bills, Aadhar card, PAN card, etc.
  • Latest salary slips
  • Form 16
  • Bank Statements of the last 6 months



  • Statement of accounts
  • Proof of income
  • Business proof



  • At Paisa Expo, our team of professionals helps you to have a credit card that suits your requirements. Be it the EMI calculation, processing charges, or even repayment tenure, we help you with the best-tailored card that is affordable to your pocket.
  • We come with a list of both banks and financial companies to help you select an ideal credit card as per your requirements. We help people to get credit cards without processing fees, annual fees, and other related charges.


How will my eligibility be calculated?

  • An individual is eligible for having a credit card with a minimum age of 18 years. Also, the minimum income of the individual applying for the credit card should be Rs. 15000/- to Rs 25000/- monthly. Lastly, he should be having a stable salaried income or should be self-employed. 

How much credit limit do I get for a credit card?

  • The maximum credit limit for any credit card ranges from Rs. 50000 to Rs. 1 lakh as per your credit score, income and other essential aspects. The credit limit can increase up to 10 lakhs or more based on the transactions, and repayment schedule. Similarly, for the students applying for a credit card, the credit limit is between Rs. 5000 to Rs. 10000.

How much credit score is important while getting a credit card?

  • The credit score required for getting a credit card is 700 and above. Even if your credit score is less than 700, there are still some banks that provide you with a credit card.

What are the interest rates available for a credit card?

  • The interest rates on the credit cards for nonpayment of dues on the due date range between 2.5% to 3.5% every month. The rates might vary as per the lender, as well as it is calculated after the interest-free period is over.

How can I apply for a credit card?

  • Applying for a credit card becomes much easier and comfortable with Paisa Expo. Our efficient team works on your eligibility, documentation, and another essential process to provide you with the right credit card as per your requirement and budget.

How credit card is different from other cards?

  • The credit card is quite different from other cards. The credit card works as a loan taken from the bank, which would be due when the billing period is over.  

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