Credit Cards
Find a card that fits your everyday spending, travel or planned purchases. Understand the features, fees and repayment commitments before you choose.
Eligibility
Assessed against applicable lender and product criteria.
- Age criteria as per insurer and plan
- Income and employment assessment
- Credit history and existing obligations reviewed
- KYC and any additional issuer checks
Documents Required
Indicative list confirmed case by case.
- Identity and address proof
- PAN or other documents required by the issuer
- Income proof where requested
- Bank statements where applicable
- Additional documents based on the card and applicant
Application Process
There Is Only Four straightforward steps.
- Share your spending priorities and basic requirement
- Review card features, fees and issuer criteria
- Apply through the issuer’s authorised process
- Complete verification and await the issuer’s decision
Where It Can Help
Use Cases
Common priorities to consider when exploring card options. Benefits depend on the selected card.
Everyday Spending
Compare cards for groceries, utilities and regular purchases.
Travel
Review foreign transaction costs and any travel-related benefits.
Rewards
Understand earning rules, redemption values, caps and expiry dates.
Planned Purchases
Check whether instalment options are available and their total cost.
Expense Tracking
Consolidate eligible spending and review monthly statements.
A First Credit Card
Explore eligibility and responsibilities before starting to use credit.
Before You Decide
Make an informed choice
A few important details to review before moving forward.
01
Pay the full bill
Paying only the minimum due does not clear your balance. Interest can accumulate and the interest-free period may no longer apply under card terms.
02
Check all charges
Review annual fees, late payment charges, cash withdrawal fees, foreign transaction charges and instalment costs.
03
Use credit responsibly
Keep spending within a budget you can repay. Missed payments can affect your credit history; never share your PIN, CVV or OTP.
Questions,
answered clearly
QuickFund helps customers explore financial options through relevant financial-service relationships.
FAQs
Who decides my credit limit?
The card issuer sets the limit after assessing your income, credit profile and other criteria. QuickFund cannot guarantee a limit or approval.
Are credit cards interest-free?
An interest-free period may apply to eligible purchases when the full statement balance is paid on time, subject to issuer terms. Cash withdrawals and carried balances may be treated differently.
Is paying the minimum due enough?
The minimum due is not the full amount owed. Interest and other charges may continue on the unpaid balance. Review the statement and aim to pay the full bill by its due date.
Do all cards offer rewards?
No. Rewards, benefits, exclusions and redemption rules differ by card. Compare these with fees and your normal spending rather than choosing on rewards alone.