A credit card for Shopping

Easy Selection | Effortless Application | Expert Service

Let's get you a credit card you'll love.

Your Life. Your Credit Card.

Why fly when you can soar?

Free lounge access. Air miles on every spend

Upgrade your lifestyle

Earn cashbacks & reward points on every purchase

Weekends will never be the same

Free movie tickets & great dining offers

Fuel your passion for the finer things in life

Savings and rewards on your daily spends

What Our Customers Say

Swapnil Mahajan

HDFC Regalia

Great door step service.
Completely worry free way to get a credit card.

Vinay Humbe

ICICI Sapphiro

Rubique is the easiest way to get a credit card.
Friendly executives and great service.
Thanks!

Virendra Sawant

IndusInd Platinum

Never realized I could use different cards for different needs. Got one for travel and one for shopping to maximise my savings.

Frequently Asked Questions

01

How different is credit card from a debit card?

Both cards help to simplify the way you shop.
A debit card is linked to your savings account, so when you use it to purchase items or pay bills, your bank account is instantaneously debited to the extent of the amount paid. On the other hand, a credit card allows you credit during purchase. In simple words, it means you buy now and pay later. The number of days for which you can get interest-free credit ranges from 20 to 50 days.

02

What are the advantages of using a credit card?

If you use your credit card sensibly, you can plan your finances wisely and avail the following advantages - Paying your dues within the stipulated time helps you build your credit score.
Credit card providers offer reward programs, wherein you earn reward points, cash back, and discount at merchant’s POS on purchase.
Visa and MasterCard extend purchase protection and also safeguard your card in the event of a fraud.
You can choose to pay your dues entirely in one go or distribute them after paying the minimum amount due every month.

03

What are the different types of credit cards?

Various credit cards are available to suit your need and lifestyle. Choose wisely by comparing and selecting the right one Here.
The various types of credit cards available are:

Airline Credit Cards
Lifestyle Credit Cards
Shopping Credit Cards
Cashback Credit Cards
Fuel Credit Cards
Co-branded Credit Cards

04

How many types of cards can I choose from?

There are essentially three types (schemes) of cards available - Visa, MasterCard and American Express. Issuing banks issue these cards to the customer. Both Visa and MasterCard are popular and accepted across the globe.

05

What is Platinum, Gold, Silver or Classic/Executive card?

These are terms used by issuing banks to distinguish between the card variants. The features and offers on every card segment are different.

06

What are the eligibility norms to get a credit card?

You have to be at least 21 years of age and below the age of 65. It is also essential to have a good credit rating.

Credit card-issuing banks have a minimum income level requirement which serves as a preliminary qualifying point while applying for a card. This requirement varies from bank to bank, depending upon your choice of card and your risk profile.

07

How much does it cost to own a credit card?

The basic cost involved in applying for a card comprises of joining fee, which varies from bank to bank, and on the type of card you have applied for. Annual fees, if any, again vary from bank to bank. They fall in the range of Rs. 400 to Rs. 5000 depending upon the card type and variant.
Other fees that should be kept in mind are - late payment, duplicate statement, cash withdrawal, cheque return charges, over-limit, etc.

08

Are there advantages in paying through a credit card even if I have cash I can spare?

With a credit card, you can delay actual payment of the bill by up to 50 days, thus cash need not be used during purchase. Additionally, you may also earn reward or mile points against your purchases. These reward or mile points can be used against gift vouchers, purchases or travel.

09

Where can I use my credit card?

You can use your credit card to buy merchandise from any merchants accepting Visa/ MasterCard or American Express cards. Credit cards can be used online to purchase products and services from e-commerce websites.

Besides swiping the card to pay, you can also use the card to borrow funds from an ATM.

10

What is a credit limit?

It defines your ability to spend using the card. This is determined by your income, credit score and other parameters defined by the bank.

Credit limit is dynamic, and banks review this limit periodically. It is either increased or decreased depending on your spending and payment patterns.

11

How do I make monthly payment to my credit card?

Banks offer various modes for making your monthly payments. You can do so by, depositing cash at the bank's branch, internet transfer, cheque, NEFT, IMPS or any other format provided by the bank.

12

What if I default on my payment?

Firstly, you will be levied a fee for late payment.

Secondly, all your loan transactions are collected by Credit Information Bureau of India Ltd. (CIBIL). Defaulting on a loan will show up poorly on your credit history. This could pose a problem when applying for a loan in the future.

13

Can I use my card when I travel abroad?

Yes. You can shop internationally using your credit card. However, keep a tab on the forex rate when you use the card internationally.

14

How can I apply for a credit card?

You can do it online or by contacting our call centre.

If you apply online by filling in a brief form, you will get an in-principle approval on your query because we have partnered with several banks. This ensures faster turnaround time for your requirement.

Our unique matchmaking algorithm ensures we match your requirement with the available options and share the result.

One of our experts will contact you to provide information about available options and process your application. We will also arrange to get your documents and other paperwork picked up from you.

If speaking to someone makes it's easier for you, you can contact us at [email protected] . One of our experts will contact you to provide information about available options and process your application.

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