Benefits of a Credit Card

Each bank is individuals pleasant, and so they have quite a lot of credit cards to help folks in case of emergencies or untoward situations. You can select any card suitable to your life-style and their buyer-friendly executives are always at your beck-and-call for assistance. All of the cards have money back schemes, reward points and presents any time of the year. Having a credit card provides you the convenience of making one payment compared to paying money for varied services.


Sure, selecting the best card is a challenging task, but not an impossible one. In case your job involves happening tours, a travel card offering discounts on hotel bookings and flight tickets would be the best option. Additionally, you’ve gotten the option of paying by this card instead of paying by money in a overseas land. In case you are one who shops frequently, a card offering reductions on common labels, electronics at suitable retailers will be the finest option.

In an unexpected-emergency, you may make the payment, however can have the big quantity changed to EMIs. Repayment is mandatory, however, you may schedule the payment as per your convenience after going by means of the guidelines.

Some of the card fans opine the monthly c.statement to a diary where you don’t have to note the purchase items. An option is also available the place the purchases may be simply sorted.

Making regular payments on your dues automatically rewards you with an excellent credit score. A wonderful track document will always assist you in securing a loan.

Forget the past of standing in long queues at a bank; you possibly can apply for your favourite credit card within the comfort of your home or office. Make a visit to the website, browse the required column and choose your favourite card. The personal particulars need to be crammed as required after which click the “Apply” option. The following step is to keep ready the copies of Identity proof, Revenue proof and address proof for the verification process.


Handling bills is tough, but more challenging is the task of paying bills. The world is in your fingertips provided you know the way to deal with technical gadgets and have a credit card. You do not need to step out of your home to pay payments of any class, be it electricity, mobile recharge and different requirements.

Live trouble free and avail of the Mobile Bill Pay option of the Bank. Ensure you do the best clicks, update correct data and the bill. You’ve got done your part to Mother Nature by saving paper and making the most effective use of your time.


The internet has given rise to cyber criminals who make use of each opportunity to swindle cash at your cost. Nevertheless, all the credit cards are safely protected as they have an EMV chip (additionally protected by PIN) by which every transaction is made secure. The chip cuts down drastically any possibilities of skimming and counterfeit fraud transactions.

You can use the card to access airport lounges (for a nominal charge), shop online for clothes, gadgets, book tickets of your favourite shows etc. Much like every credit card, you’ll receive an SMS instantly after a transaction to the mobile number registered in the directory.

You can even withdraw cash at any ATMs on the earth (nonetheless, you have to inform the bank for some credit cards about going to a overseas country). Charges shall be applicable as per the guidelines. Payment by card just obtained better with these points.

• Booking by credit card offers you reductions on movie tickets and outside dining.
• Depending on the card, you’re going to get refunds for fuel surcharges.
• Relations of primary card holders shouldn’t have to pay fees for changing into an add-on member.
• Joining charges could also be waived for those who make a purchase order of a particular quantity or above utilizing the card.


You should have attained the age of 18 years or older

It’s best to keep a minimal amount as per the necessities of the credit card
In case you are applying for a credit card the first time, it’s important to provide proof of your revenue, address. In case you already have an account, your KYC info will probably be checked once once more for authenticity.

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