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    Guwahati Credit Cards

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    Response Time Within 30 minutes
    Response Time Within 30 minutes
    Response Time Within 30 minutes
    Paperless approval option available

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    Looking for a Credit Card in Guwahati? Compare various Credit Card offers online at for Guwahati city

    Guwahati is an ancient Urban, it is the largest city in Assam and also the largest city in north-eastern region of India. This major city in eastern India is one of the fastest growing cities in the country. It is commonly referred to as the Gateway of the North-Eastern India. The city is between the banks if the river Brahmaputra and the foothills of the Shillong plateau. To the west of the city is the LBG International Airport and towards the east of Guwahati is the town of Narengi. Guwahati is a major commercial and educational hub of North-East India and is home to many well-known educational institutions such as the Indian Institute of Technology Guwahati and many other premier institutions such as Cotton College and Guwahati University.

    History of Guwahati

    According to the Mahabharata, Guwahati was the capital of the kings Narakasura and Bhagadatta. The ancient sakti temple of Goddess Kamakhya in Nilachal hill (an important seat of Tantric and Vajrayana Buddhism), the ancient and unique astrological temple Navagraha in Chitrachal Hill, and archaeological remains in Basista and other locations support the mythological assertions of the city's ancient past. During medieval times between the 12th and 15th centuries AD, after the destruction of the Kamata kingdom, the city lost its earlier glory and became mainly a strategic outpost of the Koch Hajo and Ahom kingdom. The city was the seat of the Borphukan, the civil military authority of the Lower Assam region appointed by the Ahom kings. The Mughals invaded Assam seventeen times and they were defeated by the Ahoms in Battle of Itakhuli and Battle of Saraighat.

    Economy of Guwahati

    The GDP of Guwahati metro was estimated at $1 billion in 2010. As a river port, Guwahati has traditionally been an important administrative and trading center. The major economic activities are trade and commerce, transportation and services. Guwahati is the most important trade hub in the North Eastern Region. It is a major wholesale distribution center, a marketing hub, and also a retail hub of the region. The city contains the headquarters or regional offices of several manufacturing and business establishments. Bamunimaidam and Kalapahar are two major industrial estate of Guwahati. Guwahati is important for printing and publishing, as well as businesses related to electronic and print media. During the past two decades, businesses such as real estate development, finance, etc. have intensified. Retail and real estate have emerged as big players. Tourism and recreation, education, research, cultural activities, real estate, etc. are slowly increasing and contributing to city's economic growth..

    Get BankBazaar advantages when looking for credit card offers in Guwahati
    • Simple process: The process of finding details about various credit card types and their features available in Guwahati can be done by simple filling up a form with your basic details.
    • Instant response: Since the processing is done online, bank bazaar helps you to quickly look up your options while applying for a credit card in Guwahati.
    • Easy Comparison: Since most banks offer more than one type of credit card and the advantages and features which come along with different banks arent the same, bank bazaar helps you to compare the crucial elements which can determine your choice of credit card.
    • Limited documentation: One of the main advantages of applying for your credit card via bank bazaar is that there is not much documentation required.
    • Apply and get approval quickly: The online E-Approval of your credit card application will be done almost instantly; this saves you a whole lot of time!
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    1. Who can get a Credit Card?
    2. Anyone with a fixed income, aged above 21 & favourable CIBIL credit score of over 800 can get a credit card.

    3. What will be my credit limit?
    4. The credit limit will depend on various factors like your income, repayment, CIBIL score, etc. Your credit limit can be increased or decreased depending on your last years spending and repayment history

    5. Can I get an Add-on card? And will there be a separate credit limit on the Add-on card?
    6. Yes, you can get an Add-on card but, it will totally depend on the offers the credit card issuer is running at a given point of time. There will not be a separate credit limit for the add-on card.

    7. What should I do if there is a fraud transaction on my credit card?
    8. You should immediately inform your credit card issuer about the fraud transaction.

    9. What should I do if my Credit card is lost or stolen?
    10. If your credit card is lost or stolen inform your credit card issuer within 24 hours and block your card immediately for any fraudulent transactions. Ask your card issuer to send you a new card which generally gets delivered in 3-4 working days.

    11. Which payment network credit cards are available in India?
    12. Basically, Visa, MasterCard and American Express are three popular payment networks available in India. Payment Networks are not credit card issuers your credit card is issued by banks or other financial institutes.

    13. What is a grace period?
    14. A grace period is interest free period for you to pay your credit card balance in full without any interest rate charges. The grace period is calculated based on your billing cycle and not from the date of the transaction.

    15. Will there be any joining fees for credit card?
    16. Most credit card issuers do not charge you any joining fees. Some may charge you but they might reverse those charges in your first credit card statement.

    17. Is there any annual fee associated with credit cards?
    18. Most issuers waive off annual fee for the first year and then charge a minimum amount of Rs. 500 as annual fee.

    19. What is the interest rate/finance charge for credit cards?
    20. The finance charges will wary for each card issuer and type of card like Platinum, Gold, Titanium or any special credit card. Generally credit card interest rates start at 2.5% per month (30% per annum) to 3.75% per month (45% per annum).

    21. Will there be an overdue penalty or late payment fee?
    22. Yes, every card issuer will charge you a late payment fee ranging from Rs 300 to Rs 600.

    23. Will there be a separate charge for foreign currency transactions on my credit card?
    24. Yes, every card issuer will charge you some percentage of the transaction value for the foreign currency transactions. It is generally around 3.5% of the transaction value.

    25. How can I make my credit card payment?
    26. Credit Card issuers provide the following credit card payment options:

      • Through ATMs: Make payments through your card issuing bank ATMs.
      • Through Net banking: Make Card payments using your Net banking.
      • Visa Money Transfer
      • Standing Instructions: If you have bank account with your card issuing bank then you can give standing instructions to directly debit the minimum amount due or full payment due for your monthly credit card payment.
      • National Electronic Funds Transfer (NEFT): Transfer funds from any other bank account to make your card payments.
      • Drop Box Option: You can also drop a local cheque, payable to bank card A/c followed by your card number, at any drop box located in ATMs and branches of your card issuer.
      • Over the counter: You can pay directly by visiting your card issuing bank and make the cash payment for your credit card outstanding.
    Credit Card Eligibility and Documentation
    • Card holder should be in the age bracket of 18 years to 70 years.
    • Should have a fixed monthly income.
    • Should have a good CIBIL credit score.

    Documents required for Credit Card:

    • Pan Card Photocopy OR Form 60
    • Latest Salary Slip, Form 16, Income Tax return copy as income proof
    • Passport, driving license, ration card, etc. for residence proof.
    Features & Benefits of Credit Cards
    • To fulfill dreams which cant wait, apply for credit cards and live your dreams.

    Credit Cards come with great features and benefits:

    • Save on fuel spends
    • Exiting reward programs
    • Comprehensive Insurance coverage
    • Cash back facilities
    • EMI facility on your product purchases
    • Balance Transfer facility
    • Interest Free Period
    • Special discounts on various products
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