Credit Cards From Leading Banks | Check What May Work For You

Need A Credit Card But Not Sure Which One To Apply For?

Option Credits Services Pvt Ltd helps you look at credit card options from different banks and financial institutions. Instead of going bank to bank, you can check the options for Credit Card Services in Kerala in one place and understand what may suit your profile.

  • Multi-Bank Portfolio: Explore Options From 10+ Partner Banks
  • Expert Eligibility Mapping: We match your profile to the bank most likely to approve.
  • End-to-End Support: From documentation to digital KYC and bank follow-ups.
  • Zero Hidden Charges: Our facilitation is transparent and follows RBI-mandated conduct.
  • Service Across Kerala: Localized support for applicants from Kasaragod to Thiruvananthapuram.
Credit Card
10,000+
Cards Issued

Why Choose Option

Multiple Bank Options

Many people apply Instant Credit Card to one bank and wait for the result. We help you check with different banks so you can see which option may work.

Eligibility Check

Income, credit score, and repayment history usually matter. Based on these, we help you understand which cards you may be able to apply for.

Application Guidance

If you are not familiar with the process, we explain the steps and the documents usually required.

Follow-Up With The Bank

Applications sometimes take time. Our team stays in touch with the bank and checks the status during approval process.

Different Card Types

Some customers only need a basic credit card. Others look for cashback or reward benefits. We help you check what is available.

Compare Before Choosing

Since we deal with different lenders, you can look at a few options and then decide which one you prefer.

Popular Card Categories In 2026

The Type Of Card Available May Depend On Your Profile And Bank Approval.

UPI RuPay Cards:

Link your credit card to UPI apps for seamless merchant payments

Fuel & Travel:

Get fuel surcharge waivers and complimentary airport lounge access.

Cashback & Shopping

Earn up to 5% back on Amazon, Flipkart, and Zomato.

Business Credit Cards

Specialized limits and GST-based accounting for entrepreneurs.

Secured / FD-Backed Credit Cards

Some banks may offer credit cards against fixed deposits for customers building their credit history.

Eligibility

Banks Usually Look At A Few Basic Factors Before Approving A Credit Card.

Basic Requirements

  • Age: 21 To 60 Years
  • Minimum ₹15,000 pm for salaried : valid ITR for self-employed.
  • CIBIL Score: 700+ Is Generally Preferred
  • Location: Resident Of India (Strong Presence In Kerala).

Profiles That May Get Consideration

  • Applicants With Steady Income
  • Customers With Good Banking Records
  • Business Owners And Professionals
  • Existing Bank Customers
  • Case-Based Bank Programs
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Credit Card Options

Choose The Card That Suits Your Lifestyle And Spending Habits

Basic Credit Cards

Simple Credit Cards For Regular Use.

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Cashback Or Reward Cards

Cards That Offer Cashback Or Reward Points On Spending.

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Premium Credit Cards

Cards With Higher Limits And Extra Benefits.

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Documents Required

Documents may vary based on lender and profile

For Salaried Applicants

  • Aadhaar & Pancard
  • Last 3 Months' Salary
  • Last 6 Months' Bank Statement
  • Office ID Card (Optional)

For Self Employed

  • Aadhaar & Pan Card
  • Itr 2 Year
  • Last Six Month Banking
  • Business Proof

Feel Free To Use Our EMI Calculator

Monthly Payment (EMI)
₹12,674
Total Interest
₹1,08,362
Total Amount
₹6,08,362
Credit Card

Eligibility Checker

Credit Card FAQ Section

Option Credits Services Connects You With Multiple Banks And NBFCs, Evaluates Your Profile, And Recommends The Best Credit Card Options. We Handle The Entire Application Process — From Document Collection To Card Delivery.

A Credit Card Is A Financial Tool Issued By A Bank That Allows You To Borrow Money For Purchases Up To A Pre-Approved Limit. You Repay The Amount Either In Full Each Month Or In EMIs. It Helps Build Credit History And Offers Rewards, Cashback, And Other Benefits.

Generally, You Need To Be 21–60 Years Old, Have A CIBIL Score Of 700+, A Minimum Monthly Income Of ₹20,000 (Salaried) Or A Valid ITR (Self-Employed), And Be An Indian Resident. Exact Criteria Vary By Bank And Card Type.

Typically You Need Aadhaar Card, PAN Card, Last 3 Months Salary Slips (Salaried) Or ITR For 2 Years (Self-Employed), And Last 6 Months Bank Statement. Our Team Will Guide You On Exact Requirements Based On The Bank And Card.

Many Banks Offer Instant Or Same-Day Approval For Eligible Applicants. Physical Card Delivery Usually Takes 5–7 Working Days After Approval. We Follow Up With The Bank On Your Behalf To Avoid Unnecessary Delays.

Your Credit Limit Depends On Your Income, CIBIL Score, Existing Liabilities, And The Bank's Policy. Entry-Level Cards May Offer ₹20,000–₹1 Lakh, While Premium Cards Can Go Up To ₹10 Lakh Or More. We Help You Apply For The Card That Matches Your Eligibility.

RuPay UPI credit cards can be linked with supported UPI apps for merchant payments.

Get Your Credit Card Today

Our financial advisors are ready to help you find the best credit card for your needs. No obligation, completely free.

Contact Us →

Compliance Disclaimer: Option Credits Services Pvt Ltd is a loan and financial product facilitation company and not a bank or lending institution. Loan approvals, interest rates, funding limits, credit card approvals, and terms are subject to respective bank/NBFC policies and RBI guidelines.