Credit Card
i3 Finance,offers a variety of credit card services as part of their broader personal and business banking solutions.
Credit Limit
Determined based on the cardholder's credit history and income.
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Credit Card
Loans
Key Features
Credit card service Key Features
Interest Rates
(APR)
If the balance isn’t paid in full, interest is charged on APR.
Grace
Period
If the balance is paid full during time, no interest is charged
Minimum Payment
minimum amount must be paid each billing cycle to avoid late fees.
Benefits
Types
Benefits
Convenience: Credit cards are widely accepted both online and offline, making them a convenient payment option for purchases around the world.
Cashback: Some credit cards offer cashback on specific purchases, giving a percentage of the money spent back to the user.
Reward Points: Cardholders can earn points for every dollar spent, which can be redeemed for various rewards, such as travel, merchandise, or gift cards.
Travel Perks: Some cards provide travel benefits like airline miles, airport lounge access, and travel insurance.
Purchase Protection: Many credit cards offer protection on purchases, covering things like damaged or lost goods, extended warranties, or fraud protection.
Emergency Credit: Credit cards are an easy way to access funds during emergencies when you don’t have immediate cash or need short-term borrowing.
Types
Standard Credit Cards: Basic cards that offer credit without additional rewards or perks.
Rewards Credit Cards: Cards that offer points, miles, or cashback based on the cardholder’s spending.
Secured Credit Cards: These require a deposit as collateral and are usually used by individuals trying to build or repair their credit history.
Balance Transfer Cards: Allow users to transfer high-interest debt from one or more credit cards to a new card with a lower interest rate, often with an introductory 0% APR for a limited time.
Business Credit Cards: Tailored for business use, offering perks such as expense tracking, higher credit limits, and rewards on business-related spending.