Qik EMI Card Review How To Apply Qik EMI Card- Best Guide In 2023

Introduction

TATA Qik EMI Card is a popular credit card in India launched by TATA. This card is popular because it can get you loans and cashback prices on your purchases. Compared to other Credit Cards in India This amazingly provides users with the best user experience and exciting features.

You can get a Qik EMI Card very easily from your house or workplace. Read the full article to know about all the information and process of the EMI card like the Eligibility Criteria, Card limit, Documents Required, and procedure to apply for Qik EMI Card.

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What is a TATA Qik EMI Card?

TATA Qik EMI Card is a credit card launched by TATA Capital: A reputed Indian company. With the day-by-day online shopping trend growing in India, TATA has launched a new service in the name of the Tata new app. Users can shop online with this amazing card to get exciting rewards. This EMI card is verified by RBI and follows all the RBI transaction rules.

Moreover, With Qik Cards users can easily get loans on different electronic items like Washing Machines, Refrigerators, Smartphones, and many more items. Users can also get a personal loan using TATA’s new service. As compared to other companies TATA provides its users with better options.

Tata Qik EMI – Tata Neu Emi Card Eligibility

To get TATA Qik EMI you must fulfill its eligibility criteria. Eligibility criteria are nothing but some parameters to verify your identity. Here are the Qik EMI Card eligibility criteria and documents required to get Tata Neu EMI Card

  • The user must be an Indian citizen to get the card.
  • User must be of legal age (18 or above)
  • Users must have documents Aadhaar Card, PAN Card, A Self Picture to Upload, and income proof like a salary slip
  • Users must have the phone number connected to their Aadhaar Card.

TATA has made online shopping and transactions very easy with minimal requirements.

TATA Qik EMI Loan Criteria

With the TATA Qik EMI Card, users can get a loan on various items. To apply for a loan for any item you must pass the Qik Loan criteria. This criterion includes some basic information that helps TATA evaluate your loan capacity.

Here are the Qik loan criteria.

  • Any Salaried or Self Employed person can avail of an easily monthly installment loan
  • Loan seekers must be aged 21 and above.
  • Loan seekers must have an income source.
  • Loan seekers must have identity proof documents like a passport for NRI, Aadhaar, and PAN card for locals.
  • Loan seekers must have a good CIBIL score. The score must be above 750.
  • Indian Resident Loan seekers must have a utility bill or any bill in their name. A driving license with an address is also acceptable.

If you fulfill all the above loan criteria then congratulations you can get a loan through an EMI card yourself.

How to Apply for a TATA Qik EMI Card?

You can easily apply for a Qik EMI Card through any of your home devices. The process to apply is online and 100% free. No amount of fee will be charged.

You can apply for an EMI Card or Personal loan on the TATA Capital website or the TATA neu app. Both the website and app have a User-friendly Interface.

Here is a step-by-step Guide on how you can apply for a Qik EMI Card. Regardless of your method, follow each step carefully to get a Qik EMI Card for yourself.

Step 1: First, Download the Tata. Neu App on your Smartphone or open the website.

Step 2: Signup with your Mobile Number to Open an Account.

Step 3: Now on the homepage navigate and click on the finance option.

Step 4: Under Loan, you will see a Qik EMI Card Option. A new page will open with eligibility criteria and an Apply option.

Step 5: Click on the Apply option to Apply for the card. A form will appear inquiring about personal and account information.

Step 6: Fill out the form with information including birthday, Aadhar Card and PAN card Number, etc

Step 7: After filling out the form click on apply now to get a Qik Loan Card Credit Limit.

Step 8: After the limit, you will get two options. Aadhar Card Verification (2 min) and a Document Verification ( may take days).

Step 9: Click on Aadhaar Card Verification Option to get verified in a couple of seconds. Enter the OTP into the dialogue box.

Step 10: Now fill in your bank details to get your loan amount.

Step 11: Lastly, Submit your form.

After following the steps, wait a couple of days for your applied card and loan. After verifications, you will get your Qik EMI Card.

What is the credit limit available on Tata Neu EMI Card?

TATA offers different Card Limits for different users. Your Qik EMI Card limit depends on different factors like your Monthly Income, your CIBIL Score, and your Credit History. Your city might be a factor. As TATA is new in the industry and is yet not available all over India.

Based on all the factors above you might get a credit card limit between 10,000 and 1,50,000. If you have a low income like 15,000 you might get an EMI Limit of 75,000.

Qik EMI Card fees:

Qik EMI Card charges a minimal fee from their customers to grow their customer base and Brand Loyalty. As of now, there are no hidden charges.

Have a look at the table below to get an idea of the charges you will face using this EMI card.

Joining Fee ₹299+ GST
Annual Fee ₹99 + GST
Down Payment ₹0
Interest Depend on Amount
Processing Fee Min ₹0 – Maximum ₹ 10000
Hidden Charge N/A
Period of Payment Custom ( You can select your tenure of payment)
Late Fee 3% on overdue Amount per month
Loan Service fee Nil
Card Replacement Fee ₹199 + GST
Arbitration filing ₹2000
Loan Recall Notice ₹40

Qik EMI Card Review:

Qik EMI Card by TATA Capital is an amazing EMI card available in the market at a minimal cost. The card is available for everyone on the tata capital website and Tata Neu apps. The card provides both employed and self-employed people with equal opportunities.

With this card, you can take an easy loan on Electronics, Furniture, Travel, Home Decor, and Lifestyle services very easily. Tata Qik EMI Card provides users with the ability to get a custom EMI loan with a custom tenure. You can choose to pay a loan amount in a month or a year.

It provides a golden opportunity to get yourself an easy loan of upto 1.5 lacks with just a click from your couch. With this EMI card shop online on platforms like Bigbasket, Hotel, Coma, and many more. Overall the card and its services are excellent. Do try the Qik EMI card.

What is Qik EMI Card Customer Care Number?

If you have any troubles regarding your Qik EMI card or loan amount or any other problem you can contact customer care. All of your problems regarding your EMI card will be solved. Here is Qik Emi Card Customer Care Number and Contact Email. Contact Tata capital via this contact information for the solution to your problems.

Email                         [email protected]

Customer Care          1860 267 6060

Conclusion:

Qik EMI Card is an excellent way of getting easy loans at a minimal cost. As compared to other companies TATA provides its card at a minimal price and many online services. You can get an easy loan of up to 1.5 lacks. Follow the step-by-step guide to get a loan for electronics, furniture, decor, and many more. Get yourself a custom loan with a custom tenure.

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