What are the key benefits of SBI Credit Cards?

SBI Credit Cards offer a wide range of benefits, including rewards, cashback, lounge access, discounts, and insurance coverage.

How can I apply for an SBI Credit Card?

You can apply for an SBI Credit Card online through the Paisabazaar platform, where you can compare card options and check for pre-approved offers.

What factors should I consider when choosing an SBI Credit Card?

Consider your spending habits, lifestyle, and financial goals to select a card that best suits your needs, such as travel, shopping, or rewards.

How can I manage my SBI Credit Card efficiently?

SBI Card offers a user-friendly mobile app and online banking services to help you manage your card, check statements, make payments, and access additional features.

What precautions should I take to avoid accumulating credit card debt?

Responsible credit card usage includes paying bills on time, managing credit limits wisely, and avoiding unnecessary spending to prevent debt accumulation.

Fibe Personal Loan Offers Affordable EMIs and Low Interest Rates

Fibe, formerly known as EarlySalary, is now offering personal loans up to Rs. 5 lakhs. Borrowers can repay the loan through affordable Equated Monthly Installments (EMIs). The tenure for the loan ranges from 6 to 36 months, and the interest rates start as low as Rs. 9 per day (or Rs. 6.7 per day per Rs. 10,000 for HR tied-up companies). The processing fee for the loan starts at Rs. 199. Additionally, borrowers have the option to prepay the loan at no extra cost.

Interested individuals can apply now on the Fibe platform, which provides a seamless and user-friendly application process. Fibe aims to bridge the gap for customers who have exhausted their salaries before their next payday. The loan amount can go up to Rs. 5 lakhs, and the tenure can be a maximum of 36 months, depending on the type of scheme chosen.

Fibe offers some significant benefits to borrowers, including no requirement of collateral as the loan is based solely on the borrower's salary. The loan can be converted into 3 to 6 EMIs for added convenience. Prepayment of the loan is also available at zero charges, and borrowers need only pay the interest on the outstanding amount. The application process is transparent and hassle-free, with no long forms or paperwork involved. Fibe customers also have the option to apply for an Fibe credit card. Once approved, the money is instantly transferred to the borrower's bank account.

To apply for the loan, users are required to upload a few documents, including their PAN card, selfie, bank statement for the last 3 months, and a KYC document (such as Aadhaar card, driving license, passport, or voter ID). Depending on the case, borrowers may also need to submit additional documents like salary slips for the past 3 months and proof of current address, which can be a gas bill, electricity bill, postpaid phone bill, bank statement, or employment letter.

To calculate the monthly EMI for the loan, customers can use the Fibe EMI calculator provided on their website. This helps borrowers plan their finances and ensure timely repayments without any burden.

The Fibe app offers flexible loan amounts ranging from Rs. 5,000 to Rs. 5 lakhs, depending on the borrower's eligibility and the type of loan chosen. The interest rates on these loans are competitive, starting as low as Rs. 9 per day and extending up to 30% per annum, depending on the borrower's creditworthiness. Repayment tenure is flexible as well, with options of up to 36 months, depending on the scheme selected. The processing fees for these loans are minimal and can range from Rs. 199 to Rs. 4,000, depending on the loan amount.

To be eligible for a Fibe personal loan, applicants must be Indian citizens between the ages of 21 to 55. Additionally, they should have a minimum monthly salary of Rs. 15,000 for Tier 2 and Tier 3 cities, and Rs. 18,000 for Tier 1 cities. A credit score of at least 600 or above is required to qualify.

Fibe is currently offering instant cash loans in various cities across India, including Delhi, Mumbai, Pune, Hyderabad, Bangalore, Kolkata, and Chennai, among others.

It's important to note that Fibe is operated by Social Worth Technologies Private Limited, as mentioned on their website.

For any inquiries or concerns, customers can reach out to Fibe Personal Loan Customer Care through phone at 020-67639797 or via email at care@fibe.in. For press enquiries, they can contact pr@fibe.in.