Overview
A credit card is more than simply a means of payment in the fast-paced world of today; it is a companion to your way of life. We at V Key Finserv collaborate with top banks and financial organizations to provide you a variety of credit cards that are suited to your spending patterns, preferred incentives, and financial objectives.
We offer the ideal card for you, whether your goals are to receive cashback on everyday purchases, travel miles, exclusive dining savings, or luxury lifestyle perks. V Key Finserv assists you in locating a credit card that works as hard as you do with its simple application process, quick acceptance, and alluring benefits.
Features
Why Choose a Credit Card Through V Key Finserv?
- Wide Range of Options – Cards for business, dining, travel, petrol, and shopping.
- Instant Approvals – Depending on your eligibility, you can get your card accepted in as little as 24 to 48 hours.
- Attractive Rewards – With each purchase, get travel miles, cashback, or reward points.
- Welcome Benefits – Upon enrolling, receive coupons, bonus points, or complimentary memberships.
- Contactless Payments – Secure, speedy transactions using tap-and-pay technology.
- EMI Conversion – Immediately convert large purchases into manageable EMIs.
- International Acceptance – Millions of retailers around the world accept your card.
- Zero Liability on Lost Card – To prevent abuse, report loss right away.
- Fuel Surcharge Waiver – Reduce the cost of fuel purchases at specific gas stations.
- Dining & Lifestyle Discounts – Take advantage of exclusive offers at renowned eateries and retail establishments.
- Balance transfer option – Transfer your outstanding dues from another credit card to V Key Finserv’s credit card at lower interest rates*
Invest in Your Dreams – Act Now!
Eligibility
Credit card eligibility depends on the bank’s criteria, but general conditions are:
1.Age:
- Salaried: 21 to 60 years
- Self-Employed: 25 to 65 years
2.Income Requirement:
- Salaried: Minimum ₹20,000 per month (varies by card type)
- Self-Employed: Minimum ₹3,00,000 annual income
3.Credit Score:
- A score of 700+ is preferred for premium cards, but entry-level cards are available with lower scores.
4.Employment Status:
- Stable employment or business continuity of at least 1–2 years.
Documents Required
You will typically need:
Identity Proof (any one):
- Aadhaar Card
- Passport
- Voter ID
- Driving License
Address Proof (any one):
- Aadhaar Card
- Utility Bill (electricity, water, gas)
- Passport
- Ration Card
Income Proof:
- Last 3 months’ salary slips (for salaried)
- Last 3 months’ bank statements
- Last 2 years’ ITR or audited financials (for self-employed)
Photographs: Passport-size photographs as per bank requirement.
Fees and Charges
Credit card charges differ by bank and card type, but here’s an indicative range:
| Particulars | Charges |
| Joining/Annual Fee | ₹0 – ₹10,000 (waived on meeting spend criteria for many cards) |
| Interest Rate on Revolving Credit* | 1.5% – 3.5% per month |
| Cash Withdrawal Fee | 2.5% – 3% of withdrawn amount |
| Late Payment Fee | ₹100 – ₹1,300 depending on outstanding |
| Over-limit Fee | 2.5% of over-limit amount |
| Foreign Currency Mark-up | 1.75% – 3.5% of transaction value |
| Card Replacement Fee | ₹100 – ₹500 |
Note: Conditions Applies*
Reviews
FAQs
We help you compare based on your spending habits — shopping, travel, fuel, or business needs.
Yes, some banks offer entry-level or secured cards against a fixed deposit.
Usually within 48 hours of document submission and approval.
Typically ₹20,000/month for salaried, but premium cards require higher income.
Yes, but interest and cash advance fees apply from the date of withdrawal.
You will be charged interest on the unpaid amount and lose the interest-free period.
Yes, many cards offer lifetime free membership or waive annual fees on minimum spend.
Banks review your usage and payment history periodically; you can also request a limit increase.
Yes, most cards are globally accepted; foreign currency mark-up applies.
Chip-and-PIN technology, OTP verification, and zero liability on lost card (if reported immediately).
