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Credit Card for Housewife

Credit Card for Housewife

Credit Card for Housewife

Credit Card for housewife is aimed at offering a range of credit options for homemakers enabling them to manage household finances effectively. A Credit Card can be a valuable tool in helping homemakers achieve financial empowerment while simultaneously earning rewards and benefit on their spends. For housewives who may not have an income of their own, reducing expenses by the smart use of Credit Cards is also a way to save money and contribute to the monthly budget. Additionally, it is also a way to build credit score by using the Credit Card regularly and repaying it on time.

What is a Credit Card for housewife?

Credit Cards for housewife can be in the form of Supplementary Credit Cards/Add-on Credit Cards which is linked to a primary Credit Card of their spouse or a Secured Credit Card that is linked to a Fixed Deposit. In the case of a Secured Credit Card, the housewife is the primary cardholder.

These cards offer features such as earning reward points on dining and grocery expenses, fuel surcharge waivers, plus the ability to redeem reward points for exclusive gifts and offers.

Features and Benefits of Credit Card for housewife

The housewife Credit Card cater to the financial needs of homemakers by offering several features and benefits:



Reward points

Reward points play a significant role in enhancing the Credit Card experience for housewives. Cardholders earn reward points on dining and grocery expenses. These reward points can be redeemed for exclusive gifts and offers.

Shopping

Homemakers can opt for a co-branded Credit Cards that offer deals and discounts on apparel, daily shopping, electronic gadgets, etc. This can help them can save significantly on their shopping expenses and enhances the overall shopping experience while providing additional value and rewards.

Cashback

Cardholders can redeem their accumulated reward points for cashback against outstanding amounts on their Credit Cards. Since the cashback can be used to lower the Credit Card bill or for additional spending, it enables effective management of finances.

Fuel Surcharge Waiver

Fuel Credit Cards provides a 1% fuel surcharge waiver at all fuel stations across India. By choosing a Credit Card that offers fuel surcharge waiver option, homemakers can save money on their fuel expenses, making it a valuable advantage.

Safety

Since Credit Cards come with EMV Chip technology that protects against unauthorized use, homemakers can carry their cards with confidence, knowing they are protected from fraudulent transactions. Additionally, if the card is lost and reported immediately, cardholders enjoy zero liability, ensuring peace of mind and financial security.

How to get a Credit Card for Women

Axis Bank offers a variety of Credit Cards targeted towards women, each with its own unique set of benefits and rewards. Here's a quick guide on how to get one:

Eligibility:

  • You have to be above 18 years to get an add-on Credit Card
  • You have to be the spouse of the primary cardholder
  • Some card variants may have specific requirements or other eligibility criteria.
  • For a secured Credit Card you have to open a Fixed Deposit in your name


Documents Required:

  • Filled application form
  • Passport-size photographs
  • Photo ID proof (PAN Card, Voter ID, Passport, etc.)
  • Address proof (Utility bills, rental agreement, etc.)
  • Income proof (Salary slips, bank statements, etc.)


Application Process:

  • You can apply for an Axis Bank Credit Card online through the bank's website or mobile app.
  • You can also visit an Axis Bank branch and apply in person.
  • Once you have submitted your application, the bank will review it and get in touch with you within a few days.




FAQs on Shopping Credit Cards

Yes! A housewife can get a Credit Card as an Add-on Credit Card or as a Secured Credit Card

Yes. As a homemaker you can apply for a Credit Card with your spouse as the primary cardholder.

If you have a Credit Card, your wife can get an Add-on Credit Card that is linked to your Credit Card. In this case, your income which determines the credit limit, will be applicable to the Add-on Credit Card as well, allowing your wife to qualify for the Add-on Credit Card.