Firstly, what is a credit card, need to understand? The credit card is a plastic money, which we can carry with us without any problem. With the help of this credit card, we can buy anything without any second thought, but YES, we should keep in mind our credit card set limit which we can’t cross because it shows CIBIL report and usage responsibility. You can use a credit card for your fun and also when you are in the emergency situation. So, we can call our credit card, a small tool with big surprises.
You can understand about a credit card now we talk about credit card functions in your daily routine lifestyle. The credit card has various facilities, such as for shopping, dining, movie and entertainment. You are also available for paying bills on time, repayment the bills and more. The more you use it, the more you can understand. Your expectation with your credit card may be reward points, cash back, gift voucher and more things but for all these things you need to earn them. Your question might be how? When you start using it, then you get to know just utilize your card with your responsibility and take care of your CIBIL or credit score then it automatically rewards you back.
One more thing before you can check best credit card in India for you and select should know about KYC. In this procedure, you get to know that, age limit should be 18 years not less than that, have a good credit score, submit proper Identity proof, Address proof and Income, so that lenders will see your credibility for credit card repayments.
How Can You Choose the Best Credit Card for Yourself?
It’s quite tough decision to choose a right credit card. In the market, there is end number of credit card options and from out of these choices need one as per your wish list. In your card, you want rewards, coupons, high credit limit, cashback and more. Now let’s see the following bank’s credit card with their features, maybe after that, you can choose one for you.
HDFC Bank Money Back Credit Card
- Enjoy 50 days long interest- free period from the date of purchases.
- You can earn 100% more reward points on your online expenditure by making payments through your HDFC card.
- Check out the numerous and exclusive offers on HDFC bank credit card on the official website of the bank.
Axis Bank Select Credit Card
- Luxury shopping voucher worth Rs 1000, along with priority membership pass.
- 15% discount on dining with dining delight program.
- Complimentary Airport lounges across the globe.
- Finance charges – 2.95% per month for both retail purchases and cash advance.
Citibank Cashback Credit Card
- You can get to pay the utility bills online without facing any trouble.
- Get 5% cash back on every purchase you make.
- Also, you can get 5% cash back on telephone payments and 0.5% cashback on every other transaction.
HDFC Regalia Credit Card
- On an annual spend of 3 lakhs, you would get a renewal fee waiver next year.
- Get a complimentary club Vistara silver membership.
- Get first-year membership fee Rs 2,500 with applicable taxes.
ICICI Instant Platinum Credit Card
- Enjoy more reward points on purchases, which can be accumulated and redeemed for cash.
- When you purchase up to 2 movie tickets through the Bookmyshow, avail discount of Rs 100 per month.
- Up to 15% off on all your dining spends at over 800 restaurants, as a part of ICICI Bank Culinary Treats program.
- Enjoy an attractively low rate of interest on this credit card. The interest rate applicable to the card is just 2.49% per month.
SBI Simply SAVE Credit Card
- Welcome a gift of Rs 100 cash back on your first ATM cash withdrawal.
- To avail, the annual fee reversal spends Rs 90,000 or more in 1 year.
- Get 2.5% fuel surcharge waiver at any petrol pump.
Standard Chartered Manhattan Platinum Credit Card
- To get 5% cashback if you go for shopping in the supermarket and buy groceries
- The annual fee for the first year Rs 499 only
Now you have a choice, can view the details and for more information can check websites also. In Bank site, you can briefly read out the features and benefits more comfortable and select one best credit card for you.