Credit Cards - Complete Guide - DivineVision

Premium Credit Cards

Complete guide with comparison, benefits, and instant approval

All Types of Credit Cards

Find the perfect credit card for your needs

Premium Card

Premium Cards

Exclusive luxury benefits with airport lounge access and concierge services.

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Business Card

Business Cards

Designed for MSME with expense management and fuel benefits.

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Travel Card

Travel Cards

Perfect for travelers with air miles and zero forex markup.

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Cashback Card

Cashback Cards

Earn up to 5% cashback on groceries, dining, and fuel.

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Rewards Card

Rewards Cards

Accumulate points and redeem for shopping and travel.

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Lifestyle Card

Lifestyle Cards

Exclusive dining, entertainment, and wellness offers.

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Compare Credit Cards

Side-by-side comparison of all card features

Card Type Annual Fee Credit Limit Reward Points Cashback Best For
Premium Cards ₹5,000 ₹5L - ₹50L 5X Points Up to 5% Luxury Benefits
Business Cards ₹1,000 ₹1L - ₹10L 3X Points 3% Business Expenses
Travel Cards ₹2,000 ₹1L - ₹20L 4X Points 2% Frequent Travelers
Cashback Cards No Fee ₹50K - ₹5L 1X Points Up to 5% Daily Expenses
Rewards Cards ₹500 ₹50K - ₹10L 2X Points 1% Shopping & Dining
Lifestyle Cards ₹0 - ₹1,000 ₹50K - ₹5L 1X Points 1-3% Entertainment

Benefits Breakdown

Detailed breakdown of each benefit type

Cashback Benefits

Get real money back on purchases. Categories include groceries (5%), fuel (4%), dining (3%), and general spends (1%). Instant credit to your account with no minimum redemption required.

Reward Points

Earn points on every transaction. Redeem for shopping vouchers, air miles, or merchandise. Points never expire and can be converted at favorable rates for maximum value.

Travel Perks

Enjoy airport lounge access, travel insurance up to ₹10L, zero forex markup, priority boarding, and exclusive hotel booking discounts worldwide.

Security Features

Advanced chip & PIN technology, real-time fraud alerts, zero liability on fraudulent transactions, and 24/7 emergency card replacement service.

Eligibility & Documents Required

Complete requirements for credit card application

Eligibility Criteria

  • Age: 21 to 60 years
  • Minimum Income: ₹25,000/month
  • Employment: Salaried/Self-employed
  • CIBIL Score: 750+ preferred
  • Residence: Indian citizen/NRI

Required Documents

  • Identity: Aadhaar, PAN, Passport
  • Address: Utility bills, Rent agreement
  • Income: Salary slips, Bank statements
  • Employment: ID card, Offer letter
  • Photo: Passport size photographs

Security & Trust Assurances

Your security and trust are our top priorities

RBI Compliant

Fully registered and compliant with RBI guidelines for financial services

Data Encryption

Bank-grade 256-bit SSL encryption to protect all your personal information

Certified Experts

Certified financial consultants with 10+ years of industry experience

100% Satisfaction

Guarantee of complete customer satisfaction with transparent processes

Frequently Asked Questions

Get answers to common credit card queries

What is the minimum income required for credit card approval?
The minimum monthly income requirement is ₹25,000 for most credit cards. However, some premium cards may require higher income levels (₹50,000+). Self-employed individuals need to show ITR for the last 2 years.
How long does the credit card approval process take?
Approval typically takes 2-7 working days depending on document verification. Instant approval is available for pre-approved customers. Card delivery takes an additional 7-10 working days after approval.
Are credit cards accepted internationally?
Yes, all our credit cards have global acceptance through Visa/Mastercard networks. You can use them at millions of merchants worldwide and ATMs for cash withdrawal (charges apply).
What are the annual fees and charges?
Annual fees vary by card type: Cashback cards (₹0), Lifestyle (₹500-1000), Travel (₹2000), Business (₹1000), Premium (₹5000+). Many cards offer fee waivers on minimum annual spend criteria.
How can I track my application status?
You can track your application status online using your reference number, call our customer care at +91-9690999499, or visit our office. SMS updates are sent at each stage of processing.
What if my application gets rejected?
If rejected, you'll receive detailed reasons. Common reasons include low CIBIL score, insufficient income, or incomplete documents. You can reapply after 3 months with improved credentials.

Get Expert Assistance

Contact our credit card specialists for personalized guidance

Call Our Experts

+91-9690999499

+91-8280050499

24/7 customer support for instant assistance

Email Support

info@divinevision.co.in

Detailed consultation and personalized recommendations

Visit Our Office

Raurkela, Odisha

C3M/49, RDA Colony, GNHS
Kalinga Vihar, Sundergarh - 769015

Working Hours

Monday - Sunday: 9:00 AM - 9:00 PM

Emergency support available 24/7

Ready to Get Your Perfect Credit Card?

Join thousands of satisfied customers enjoying exclusive benefits, rewards, and cashback. Get instant approval and start earning today!

Apply Now Call: +91-9690999499
5-Min Approval

Fastest processing in the industry

100% Secure

Bank-grade security protocols

Expert Support

24/7 professional assistance

What Our Clients Say

Real experiences from real customers

"I had a smooth experience using Divine Vision business services . The application process was quick, and I received approval within 24 hours. Their customer support was helpful, and the interest rates were reasonable compared to other lenders. I also appreciated the transparency—no hidden fees or confusing terms. Would definitely recommend this site to anyone looking for a personal loan."

kunal

"I was confused about my tax filing, but their team explained everything in simple terms. The process was smooth and stress-free. Highly recommend them for tax consultation!"

Aman Verma, Lucknow

"Getting a personal loan felt daunting until I found this platform. The application process was fast, and I received approval within 24 hours. Great experience!"

Suman kumari