WelfareAssure - Credit Card
Unlock financial freedom with premium credit cards. High credit limits, reward points, cashback offers, and exclusive benefits
Credit Card Features
High Credit Limit
Get credit limits up to ₹10 Lakhs based on your income and profile
Reward Points
Earn 4 reward points per ₹100 spent, redeemable for flights, hotels, and merchandise
Cashback Offers
Up to 15% cashback on dining, shopping, movies, and fuel transactions
Travel Benefits
Complimentary airport lounge access, travel insurance, and air miles
Zero Liability
Protection against fraudulent transactions and lost card liability
Flexible EMI
Convert large purchases into easy EMIs with low-interest rates
Credit Card Eligibility
- Age: Minimum 21 years, Maximum 60 years for salaried individuals
- Income: Minimum ₹25,000 per month for basic cards, ₹50,000+ for premium cards
- Employment: Salaried professionals with minimum 1 year experience
- Credit Score: CIBIL score of 750+ for premium cards
- Business Owners: Minimum 2 years of business continuity with ITR
- Existing Relationship: Banking customers may get pre-approved offers
Required Documents
- PAN Card (Mandatory for all credit card applications)
- Aadhaar Card with current address
- Latest 3 months salary slips (for salaried)
- Last 6 months bank statements showing salary credits
- Form 16 or ITR for last 2 years
- Passport size photographs
Fee Structure
- Joining Fee: ₹500 to ₹10,000 (often waived for first year)
- Annual Fee: ₹500 to ₹15,000 (waived on minimum spends)
- Interest Rate: 1.5% to 3.5% per month on revolving balance
- Cash Advance Fee: 2.5% of amount (minimum ₹500)
- Late Payment Fee: ₹500 to ₹1,000
- Over Limit Fee: Typically ₹500 per instance
