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Explore Credit Card Features & Benefits for Monefy Customers
Credit Cards for Leading Providers
Moneyfy offers exclusive credit cards from leading credit card providers for your wide-ranging financial needs.
Easy Application
Moneyfy offers a quick and simple credit card application process online.
Pre- Approved Offers
Get pre-approved credit card offers to suit your customised spending needs based on your eligibility.
Rewards on Every Spend
Earn exciting cashback rewards, merchant deals, and discounts on all spending categories – from lifestyle and travel to shopping, dining, and more.
Our Credit Card Products
We have the best credit cards for all your needs. Check our exclusive credit card offerings below.
IDFC First Millennia
- Cashback on online spends, dining, and fuel
- Welcome benefits
- Annual Fees ₹ 1,000
IDFC First Classic
- Rewards on all categories of spending
- Fuel surcharge waiver
- Annual Fees ₹ 500
IDFC First Wealth
- Premium lifestyle benefits, concierge services
- Complimentary lounge access
- Annual Fees ₹ 2,500
IDFC First Visa
- Discounts and offers on travel, dining, and more
- Complimentary airport lounge access
- Annual Fees ₹ 1,500
IDFC First Select
- Milestone rewards, discounts on movie tickets
- EMI conversion facility
- Annual Fees ₹ 750
TATA STAR Card SELECT
- Welcome and Anniversary e-Gift Vouchers from STAR worth upto ₹3500
- Spends linked gift vouchers up to ₹6,000
- 3.5% value back on spends at STAR Outlets
Tata Card SELECT
- Welcome and anniversary gift voucher worth ₹3,000 from popular brands
- Spends linked gift vouchers worth upto ₹6000
Tata Croma Card SELECT
- Welcome and anniversary gift voucher worth ₹3,000 from popular brands
- Spends linked gift vouchers worth upto ₹6000
Tata STAR Titanium Card
- Welcome e-Gift Voucher worth ₹1000 from STAR
- 3.5% value back at STAR Outlets
- 3 Reward Points on Departmental Stores, Grocery store
Tata Card
- 500 Empower points on spends of ₹2,000 in first 60 days
- 1.5% Value back on spends @ Croma & cromaretail.com
Tata Croma Card
- 500 Empower points on spends of ₹2,000 in first 60 days
- 1.5% Value back on spends @ Croma & cromaretail.com
Axis Bank Ace Card
- 5% cashback* on bill payments & recharges on Google Pay
- 4% cashback* on Swiggy, Zomato & Ola
- 1.5% cashback* on other spends
- 4 Complimentary lounge access at select domestic airports 1% fuel surcharge waiver
Axis Bank Vistara Signature
- Welcome Benefit – 1 Complimentary Premium Economy Class Ticket on joining fee payment
- Earn Upto 4 Premium economy class tickets every year
- Earn 4 CV points per 200 spent
Axis Bank Magnus card
- Choose any one voucher worth INR 12,500 from below options:
- 5X eDGE Reward points on spends via Travel eDGE
- Unlimited lounge accesses
Axis Bank Select Credit card
- 10,000 EDGE REWARD Points worth Rs. 2,000
- Flat Rs. 200 off on Swiggy
- Flat Rs 500 off on Big Basket
Axis Bank Privilege Credit Card
- 12,500 EDGE RPs redeemable against vouchers worth Rs.2500*
- Get additional 10,000 Edge Reward Points on Spends of Rs 2.5 lakh*
Indian Oil Axis Bank Card
- Now seamlessly Pay with UPI using your credit card
- Up to 1250 EDGE Rewards on 1st fuel transaction
- 4% value back on fuel spends at Indian Oil outlets
Recently Launched Credit Cards
With Tata Capital Moneyfy, you can apply to an exclusive range of credit cards for leading providers-
1. Axis Bank Ace Credit Card
- Seamless UPI Payments: Enjoy the convenience of paying with UPI using your credit card.
- Welcome Benefits and Rewards: Receive exciting rewards and cashback on various categories, including online shopping and dining.
- Cashback Offers: Earn 5% cashback on bill payments and mobile recharges, 4% on Swiggy, Zomato, and Ola, and 1.5% on all other spends.
- Complimentary Lounge Access: Enjoy 4 complimentary lounge visits per year at select domestic airports.
- Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharge on transactions between INR 400 and INR 4000.
2. Axis Bank Magnus Credit Card
- High-Value Rewards: Earn premium rewards and benefits tailored for luxury and lifestyle.
- Travel Benefits: Complimentary access to over 1000 airport lounges worldwide.
- Dining Privileges: Enjoy exclusive dining discounts and benefits.
- Entertainment Offers: Access premium entertainment events and offers.
- Comprehensive Insurance: Avail extensive insurance coverage for travel and purchases.
- Milestone Benefits: Receive additional rewards upon meeting specified spending criteria.
- Fuel Surcharge Waiver: Benefit from a waiver on fuel surcharge.
3. Axis Bank Vistara Signature Credit Card
- Premium Travel Benefits: Receive a complimentary Premium Economy ticket upon joining.
- Club Vistara Points: Earn 4 Club Vistara points for every INR 200 spent.
- Welcome and Milestone Benefits: Earn 3000 CV points on spending INR 75,000 in the first 90 days, and get additional complimentary tickets on extended spends.
- Complimentary Lounge Access: Enjoy access to premium lounges at airports.
- Luxury Perks: Indulge in exclusive luxury experiences and benefits.
Eligibility Criteria for Credit Card
The eligibility criteria for the credit card differs from one provider to another. You can get in touch with the representatives at Tata Capital Moneyfy to determine your eligibility.
Moreover, the standard eligibility criteria to apply for a credit card are as follows-
The applicant should be an Indian
The applicant must have a good credit score and credit history
How to Apply For A Credit Card Online?
Applying for a credit card with Moneyfy is quick and easy. Here are the steps you need to follow-
1. Visit the Credit Cards page on the Tata Capital website
2. Choose from the range of credit cards and click on "Apply Now."
3. On the particular credit card provider's page, fill in the application form
4. If you receive a pre-approved offer, avail of your credit card offer
5. Complete the video KYC process and wait for approval
Fees and Charges
Each credit card variant carries different sets of fees and charges. To know more about credit card fees and charges, visit the card provider's website or contact Tata Capital Moneyfy.
Things to know before applying for a Credit Card
Applying for a credit card is a significant financial decision that requires careful consideration. Here are some essential points to keep in mind before you proceed-
1. Credit Score
Your credit score plays a crucial role in the approval process. A higher score increases your chances of getting approved and might fetch better interest rates. Check your credit score and, if necessary, take steps to improve it before applying.
2. Interest Rates
Understand the interest rates associated with the credit card. Look for cards with lower Annual Percentage Rates (APRs) to save on interest if you carry a balance.
3. Fees and Charges
Many credit cards carry various charges, including annual fees, late payment fees, foreign transaction fees, and cash advance fees. Be aware of such charges to determine the overall cost of the credit card. Consider a credit card offering zero annual fees or waiving the first-year fee.
4. Credit Limit
The credit limit is the maximum amount you can spend using the card. Choose a card with a credit limit that suits your financial needs without encouraging overspending.
5. Rewards and Benefits
Check out the rewards and benefits the card offers, such as cashback, reward points, travel perks, and discounts. Choose a credit card with a rewards program that aligns with your spending patterns.
6. Introductory Offers
Many credit cards come with introductory offers such as zero-interest periods or bonus reward points. Evaluate these offers to determine their value and how they fit your financial needs.
Types of Credit Cards in India
In India, you can choose from a diverse range of credit cards tailored to meet your specific financial and spending needs. Some popular credit cards include lifestyle credit cards that provide benefits like discounts on dining, entertainment, shopping, and wellness. Fuel credit cards are ideal for those who spend significantly on fuel and provide cashback, deals, and reward points on fuel transactions.
Here is a list of popular credit card types in India-
Travel credit card |
Cashback credit card |
Secured credit card |
Lifestyle credit card |
Prepaid credit card |
Entertainment credit card |
Shopping credit card |
Fuel credit card |
Rewards credit card |
Contactless credit card |
Credit Card Security Tips
Here are some tips to ensure the security of your credit card-
Check your statement regularly to stay on top of any unauthorised transactions.
Carry out online transactions only on secure websites.
Use choose strong and unique passwords for your credit card.
Avoid carrying out online transactions via your credit card on public Wi-Fi.
Opt for two-factor authentication while transacting online.
Offers on Credit Cards
Brand |
Offer details |
Coupon code |
Apollo 24/7 |
Get 12% off up to Rs. 300 on a transaction of Rs. 800 on medicine via Apollo 24/7. |
APLRBL12 |
Tata 1 Mg |
Get up to 25% off on prescribed medicine for new users |
RBLAPL35 |
Titan |
Enjoy flat 10% off on a minimum purchase of Rs. 2,999 |
TITANRBL |
Disclaimer
Credit Card offerings are brought to you by third-party entities at their solediscretion. Tata Securities Limited (TSL)/ Moneyfy is merely acting as a Referrer and is only displaying the features of the Credit Cards on its platform and such display must not be construed as an offer or advice to transact in such Products. The mentioned details regarding the Credit Cards are as communicated by such third-party entities and TSL/ Moneyfy does not make any claims, warranties, or representations, expressor implied regarding the Credit Cards or features thereof and shall assume no responsibility or liability in relation to the same or otherwise with respect to the Credit Cards whatsoever. Terms and conditions apply
Frequently Asked Questions (FAQs)
VIEW ALLWhat is a Credit Card?
A credit card is a financial tool that allows you to borrow funds up to a pre-approved limit for purchases, with the obligation to repay the amount later.
Can I use my Credit Card for international transactions?
Most credit cards can be used for international transactions, but additional foreign transaction fees may apply.
What is a lifetime free Credit Card?
A lifetime free credit card does not have any annual or joining fees, which makes it a cost-effective credit card option for the user.
Do I need to use my credit card every month?
No, you are not required to use your credit card every month, but occasional use for shopping, dining, or travelling can help maintain an active account and good credit score.
Can I get a credit card without a job?
Yes, you may get a credit card without a job if you have an alternate source of income, such as investments. Please check the relevant product page for more information.
Can I get a credit card in one day?
With most lenders offering online application processes, it is possible to get your credit card approved within a day. However, you might not receive the physical credit card immediately.
How many credit cards should I have?
The number of credit cards you can own is not fixed and depends on your financial needs and spending habits. However, if you have more than one credit card, manage the expenses prudently and make the payments on time.
How does the card issuer decide my credit limit?
Card issuers determine your credit limit based on factors like your income, credit score, repayment capacity, and credit history.
What does 'minimum due' mean on a credit card statement?
The 'minimum due' is the minimum amount you must pay by the due date to avoid late fees and keep your credit history stable.
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