A rejected application dents your credit score for months. We match your income and existing card load to issuers likely to say yes — before anything is filed.
*Indicative figures. The final premium, limit and terms depend on the insurer or issuer, your profile and your credit score.
Most people get their credit card from whoever called them, then discover the annual fee in year two and the reward points they cannot redeem in year three. Meanwhile a rejected application sits on the credit report, making the next one harder.
We treat it as a placement problem rather than a sales one. Your income, employment type and existing card load decide which issuers are realistic; what you actually spend on decides which card is worth holding. We check the first before filing anything, so an application goes in once.
Every rejection is recorded on your bureau file. We place the application where it stands a real chance.
Joining fee, annual fee and the spend needed to waive it — stated before you apply, not after.
Fuel, groceries, travel or online — the reward structure only pays if it fits your actual spending.
You talk to an advisor who knows which issuer is currently approving which profile.
Tell us the details below and an advisor calls you back within 24 working hours with the cards you qualify for.
Income, employment type and the cards you already hold.
Your profile against each issuer's current approval criteria.
Two or three cards you would actually be approved for, with fees stated.
Papers submitted, and we follow the file until the card is issued.
One application costs a few points temporarily. Five applications in a month reads as credit hunger and can hold up approvals for the next six months. That is the whole reason we check eligibility before filing rather than applying everywhere to see what sticks.
Yes, two ways. A secured card against a fixed deposit is issued almost regardless of history and builds a record from month one. Some issuers also have entry-level cards for first-time salaried applicants. Either route gets you a real bureau history within a year.
Only if you spend lightly. A card with a ₹2,500 annual fee that returns ₹8,000 in fuel surcharge waivers and lounge access is cheaper than a free card returning nothing. Work it against your actual monthly spend, not the brochure.
Around ₹25,000 a month for entry-level cards from most issuers, though a few start lower. Premium and travel cards typically want ₹75,000 and above. Self-employed applicants are assessed on filed ITR rather than salary.
Never — not on this form and not over the phone. We ask for documents only once an application is being prepared, and always through a channel you can verify. Anyone asking you for a CVV or OTP in our name is not from AVAGROW.
Up to ₹20 Lakhs. Quick approvals for salaried & self-employed.
Know MoreFinance your new or used car with easy EMIs.
Know MoreFuel growth & expansion for your enterprise.
Know MoreStarting from 8.5%*. Affordable EMI plans.
Know MoreUnlock your property's value.
Know MoreKeep your business cash flow smooth.
Know MoreGeneral, life and health cover arranged alongside your loan.
Know MoreTell us your income and existing cards — we will say what is realistically approvable.
