Life Time Free Credit Card

Platinum Chip Credit Card

Life Time-Free Credit Card

Joining/Renewal Membership Fee – Rs. 0/- + Applicable Taxes

 

 

 

Enjoy a life more rewarding with inspired choices and luxurious indulgences that are ready for you

What is Credit Card?

A credit card is a plastic money that helps you buy groceries, accessories, travel & movie tickets, besides offering you the privileges of airport lounge access, 24×7 concierge assistance, etc. The money spent on the card helps you earn rewards, discounts, cashback, fuel surcharge waivers, and much more. The rewards earned can be redeemed for exclusive gifts, cashback to the credit card account, etc. These rewards would mostly expire between 2-3 years of their accumulation. A few cards, though, come with never expiring reward points. You can also get rewards for spending a specific amount as mentioned by the credit card issuers and apply for a credit card online. These rewards can come in the form of gift vouchers or the fee waiver, resulting in enhanced savings for you.

You can make purchases online in a few clicks. If you don’t find it comfortable buying online, you can also visit a retail store and swipe the card to buy the stuff you want. You can either go for a straight purchase from credit card or choose the EMI option. If you choose the first option and pay the entire due, there won’t be any interest. Else the credit card provider would charge interest at the rate of 2.50%-3.50% per month, accumulating to 30%-45% annually.

The EMI option comes with an interest rate but at a lower rate of 13%-24% per annum.

Why Choose Credit Cards?

Credit cards will offer you wide range of following benefits-

  • Comfort
  • Convenience
  • Credit Shield Cover for upto lakhs
  • Best-in-class services
  • Free to shop for anything from anywhere at anytime

Benefits of Applying at Hello Money India P Ltd

Applying online at Hello Money India P Ltd has benefits of its own. Some of these include-

Ease of Use – You can visit the website of Hello Money India P Ltd and submit your details even you can request for call back with the conventional application form to apply.

Fast – You can apply for the card in a few minutes by answering or filling relevant personal and professional information.

Instant Approval – If you have submitted the details correctly and meet the eligibility criteria, an instant approval will remain a formality!

Effective Comparison of Offers – You can compare exciting offers in terms of reward points, travel privileges, fees, etc. A good comparison helps you choose the best deal that would not only match your needs but also let you live with style. Credible Information Display – The information displayed is researched thoroughly and get updated on a timely basis, hence ensuring a greater degree of reliability.

Credible Information Display – The information displayed is researched thoroughly and get updated on a timely basis, hence ensuring a greater degree of reliability.

Transparency in Information – Not only the offers, you can also get to know the applicable fees & charges. The information is transparent, so you can get a complete detail before applying for the card.

Check Credit Card Application Status Online

  • Visit the website of the concerned lender
  • Go to the application status page.
  • Fill in a few blanks on the page, including application reference number, date of birth and mobile number.
  • The application status will flash on the screen showing any of the three - approved, pending for approval or rejected.

    In case you face a rejection, the reasons for the same would be mentioned too. If you can fill those voids, do so and have a credit card apply again for an approval.

Credit Card Statement

The statement is a document showing the payment date, the amount due, minimum due, the list of transactions, rewards summary, etc. The late payment charges, if any, would also be shown in the statement. You can check the statement on your email ID as well as get the same on your registered address.

If you check the statement carefully, you can detect some possible errors. The bank can commit an error, and as a result, the outstanding balance will rise erroneously. If you find an error, report the same to the bank at the earliest for correction.

Features & Benefits of Credit Cards

  • You can earn reward points on several online and offline spends. Rewards earned can be redeemed to book flights, movie tickets, and for shopping at top brands. The redemption rate can vary among the cards, with some offering INR 1 for 1 reward point while others offering 20 or 30 paise for every reward accumulated.
  • Accelerated reward point offers are also available for customers. Say a card comes with 10 normal reward points for every INR 100 spent. Another one comes with 5X reward points per every INR 100 spent. The latter is nothing but an accelerated reward offer, taking the total rewards to 50 in comparison to 10 in the case of normal reward structure.
  • Cashback and discount benefits reduce the cost of card shoppers greatly. While cashback is credited to the card account on a specified date after the transaction is made, discounts mean an outright reduction of the cost. Reward points can also be redeemed as cashback to the credit card account in the ratio as specified by the bank.
  • Avail a surcharge waiver on fuel spends to decrease your vehicle refill cost
  • Movie ticket vouchers, access to golf courses, discounts on dining & shopping make cards more appealing
  • Accumulation of air miles, cashback or discount on hotel booking, travel cover and much more are available on travel credit cards
  • Enjoy lounge access at select domestic and international airports
  • Get 24x7 concierge services as assistance for room reservation, car rental, flowers & gifts, etc
  • Accomplishment of milestone spends earn you the annual fee waiver
  • Instant loan can be availed against credit card at attractive interest rates
  • Zero lost card liability feature provides cover for any losses arising out of the fraudulent usage of the lost or stolen card on reporting the incident immediately to the concerned lender on their helpline numbers. Dispute resolution
  • Emergency card replacement facility

Credit Card Bill Payment

You can pay credit card bills from any of the following modes.

  • Internet banking
  • Mobile banking
  • Payment gateway
  • Cash or demand draft deposit at bank branch

How to Make Card Bill Payment via Net Banking & Mobile Banking?

You can pay using the net banking or mobile banking access of the concerned bank.

  • Log in to either of the channels using your credentials
  • Go to 'Credit Cards' section
  • Enter the bill amount
  • Pay the bill
  • An online payment receipt would come on the screen post the successful transaction
  • You would receive an e-mail message and SMS regarding the transaction

    If you have the net banking or mobile banking access of other banks. you can follow the steps described below to pay your bills.
  • Add the card by registering the card number, expiry date of the card, etc.
  • Set Auto Pay if you want an automatic payment of the bills on or before the due date
  • Else choose to pay yourself by just adding the bill and not setting an 'Auto Pay'
  • You would receive the bill intimation in advance, whether you have activated auto pay or merely added the card.
  • You would receive an e-mail as well as an SMS upon bill generation
  • Maintain the required sum in the bank account for a seamless bill payment. Check Your HDFC Bank Credit Card Eligibility