Credit Card
Customized Credit Solutions for Your Financial Goals
Card Highlights
Unique Features of Credit Card
Credit Limit
The credit limit refers to the maximum borrowing capacity available on a credit card. This limit is established by the card issuer, considering factors such as the cardholder's credit history, income, and overall financial reliability.
Interest Rate (APR)
The interest rate on a credit card is the annual cost of borrowing, applied to any balance that remains unpaid each month. This rate includes the nominal interest rate and any additional fees or charges related to the credit card balance.
Rewards Programs
Many credit cards offer Rewards Programs that provide benefits for using the card. These rewards can include points, cashback, travel miles, or various other perks.
Balance Transfer Options
Balance Transfer Options let cardholders shift debt from one credit card to another, usually at a lower interest rate, helping consolidate debt and reduce interest costs.
Purchase Protection
Purchase Protection is a benefit that safeguards new items bought with a credit card, offering compensation if they are accidentally damaged, lost, or stolen within a set time frame after the purchase.
Fraud Protection
Credit card holders are protected by strong Fraud Protection systems that help prevent misuse and unauthorized payments. These features often include zero-liability terms, meaning users aren’t charged for transactions they didn’t authorize.
Benefits Credit Cards
Earn Rewards and Cashback
Convenience
Credit cards provide a convenient way to make purchases without carrying cas
Emergency Funds
They offer a source of emergency funds for unexpected expenses.
Rewards Programs
Many credit cards offer rewards like cashback, points, or miles for purchases.
Sign-Up Bonuses
New cardholders often receive sign-up bonuses after meeting certain spending requirements.
Credit Score Improvement
Using credit cards wisely can contribute to building and enhancing your credit score over time.
Credit History
Regular use and timely payments contribute to a positive credit history.
Grace Period
Cardholders often have a grace period that allows them to clear their balances without being charged interest.
Rewards Program
Many credit cards offer rewards points, cashback, or miles for every dollar spent, which can be redeemed for various benefits .
Discover Diverse Credit Card Options
Find the Right Card for Your Financial Needs
Reward Credit Cards
Earn rewards such as cash back, points, or miles for purchases made with the card.
Travel Credit Cards
Designed for frequent travelers, offering travel-related perks like airline miles, hotel stays insurance.
Cashback Credit Cards
Earn a percentage of cash back on purchases, which can be redeemed or credited to the account.
Business Credit Cards
Specifically for business expenses, offering benefits Customized to business needs such as expense tracking.
Student Credit Cards
Designed for students with limited credit history, offering lower credit limits and educational resources.
Prepaid Credit Cards
Preloaded with funds and usable like a credit card, but not extending credit; ideal for budgeting or travel.
Charge Cards
Require full payment of the balance each month, usually with no preset spending limit..
Standard Credit Cards
Basic cards for everyday use, offering a line of credit with interest charges on balances.