Credit Card Shimla

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About Shimla

Credit Card ShimlaShimla is the capital city of Indian State Himachal Pradesh. The population of Shimla city is over 169,578 and the city is the largest city in Himachal Pradesh. Hindi and other Pahari languages are used in Shimla as a medium of communication. The city is among the major tourist spots of the State. And also the economy of the city is largely extracted from tourism.

The city is historically significant and has many establishments from the British era which have now become the major tourist spots. This tourist city has now many financial establishments that help travelers and shoppers get as many rewards for spending. Credit Card Shimla is the best way to explore the delight of shopping and to know all about these credit cards you’ve arrived at the right destination.

Top 5 Banks that offer Credit Card in Shimla

YES Bank:

  • YES First Prosperity Business Credit Card: This credit card is introduced for those individuals who have an annual income of 4.5 lakh and more. The credit is very beneficial for golf enthusiasts and they require insurance coverage along with the approval of the credit card.

Punjab National Bank:

  • PNB Rupay Select Credit Card: This credit card by PNB Offers privileges to the user such as cashback on every purchase and up to 300+ reward points on the first usage.

Citi Bank:

  • Citi Cashback Credit Card: This is a cashback credit card made for beginners and the credit card offers maximum cashback on every spend. The credit card preferably gets the user cashback over reward points. The cashback is approved on almost every transaction that is made from the credit card.

American Express:

  • American Express Smart Earn Credit Card: This is the best suited credit card for the online shoppers which includes Flipkart and Amazon. The credit card can be used for big expenses.

Standard Chartered Bank:

  • Standard Chartered Ultimate Credit Card: One of the premium credit cards that is offered by the Standard Chartered Bank provides its customers with offers and special reward programs to the card users.

Looking for Bank Branches where you can get information on Credit Card in Shimla

Bank Address
IndusInd Bank Bell Villa, Below Scandal Point, The Mall, Shimla, Himachal Pradesh
Bank of India 45, Mall Road, Middle Bazar, The Mall, Shimla, Himachal Pradesh
Corporation Bank Shimla S D A Complex, S Co 228, 232, Vikas Nagar, SDA Complex Rd, Kasumpti, Shimla, Himachal Pradesh

Why Apply Online or choose Dialabank for Credit Card Shimla

  1. The entire procedure is extremely easy.
  2. The application gets instantly updated.
  3. The details of the credit card are present online.

How you can get credit cards with Dialabank in Shimla in just three easy steps:

  1. Visit the Dialabank website and compare the eligibility for the credit card of your choice.
  2. Now fill in the application for the credit card.
  3. Submit the application with accurate data and get a quick update.

Which are the credit cards available in Shimla for Customers?

  1. Premium Credit Cards
  2. Fuel Credit Cards
  3. Value Credit Cards
  4. Reward Credit Cards
  5. Travel Credit Card
  6. Cashback Credit Cards
  7. Business Credit Cards
  8. Entertainment Credit Cards

How you can pay for credit card payments or payment options?

  1. Via AutoPay
  2. Net banking
  3. Cheque or cash at the bank branch
  4. NEFT/RTGS (Fund Transfer)

Eligibility Criteria for Credit Card Shimla:

  • Cibil Score: The cibil score must be strong.
  • Occupation: Should be either self-employed or salaried-individual.
  • Age: The applicant’s age must range between 21 years to 65 years of age.
  • Income: Rs. 15,000 p.m. should be the minimum salary of the applicant.

Required Income Criteria for Credit Cards in Shimla:

The applicants for Credit Card Shimla approval should earn a minimum of  Rs. 15,000 p.m. Whether self-employed or salaried-individual. Although, the salary requirement can be higher in the case of premium cards, and cibil score is required to be very strong.

FAQs for Credit Card Shimla

Why is it essential to possess a strong cibil score for credit card approval?

The cibil score plays a very crucial role in the Credit Card Shimla credit card approval process it is the collection of data on the payment and repayment history of the applicant. In case of a faulty cibil score, your application might get rejected. Cibil is an important factor to get a card approved.

As per the norms what should be the minimum salary of the applicant monthly basis for Credit Card Shimla?

The applicant for Credit Card Shimla must earn a minimum of Rs. 15,000 or more on monthly basis.

How do these credit cards help the users get the benefits of Credit Card Shimla usage?

The credit card users get benefits like; shopping benefits, travel benefits, dining benefits, and many more. Thus, shopping becomes more fun with these credit cards.

What steps need to be followed for the online Credit Card Shimla approval?

  1. Visit the Dialabank website and compare the eligibility for the credit card of your choice.
  2. Now fill in the application for the credit card.
  3. Submit the application with accurate data and get a quick update.

Are different payment modes available for customers for Credit Card Shimla payment?

Yes, the Shimla credit card users can simply pay through:

  • Via AutoPay
  • Cheque or cash at the bank branch
  • Net banking

✅ What are the various credit cards available for approval in Shimla?

  • Reward Credit Cards
  • Value Credit Cards
  • Cashback Credit Cards
  • Travel Credit Cards
  • Premium Credit Cards
  • Fuel Credit Cards
  • Business Credit Cards
  • Entertainment Credit Cards

What must be the maximum age of the aspirant for Credit Card Shimla approval?

The applicant’s age should be a maximum of 65 years of age while applying for a Credit Card Shimla.

How are the issues of Credit Card Shimla applicants and credit card holders resolved by Dialabank?

Dialabank’s customer-relationship managers approach the applicants as soon as they register for Dialabank’s services. In case of any query, they provide quick solutions and 24*7 customer service.