Benefits of a Credit Card

Each bank is people pleasant, they usually have quite a lot of credit cards to assist people in case of emergencies or untoward situations. You possibly can select any card suitable to your lifestyle and their buyer-friendly executives are always at your beck-and-call for assistance. All of the cards have cash back schemes, reward points and gives any time of the year. Having a credit card offers you the comfort of making one payment compared to paying cash for numerous services.


Sure, selecting the right card is a difficult task, but not an not possible one. If your job includes happening excursions, a travel card offering reductions on hotel bookings and flight tickets would be the best option. Additionally, you could have the option of paying by this card instead of paying by money in a international land. In case you are one who shops regularly, a card providing reductions on well-liked labels, electronics at suitable shops would be the finest option.

In an unexpected-emergency, you may make the payment, but can have the big quantity changed to EMIs. Repayment is obligatory, nevertheless, you may schedule the payment as per your comfort after going by the guidelines.

A number of the card fans opine the monthly c.assertion to a diary where you shouldn’t have to note the acquisition items. An option is also available the place the purchases could be easily sorted.

Making regular payments in your dues automatically rewards you with a very good credit score. A wonderful track document will always help you in securing a loan.

Neglect the past of standing in lengthy queues at a bank; you’ll be able to apply to your favourite credit card in the comfort of your own home or office. Make a visit to the website, browse the required column and choose your favourite card. The personal particulars must be filled as required after which click the “Apply” option. The subsequent step is to keep ready the copies of Identity proof, Earnings 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 handle technical gadgets and have a credit card. You would not have to step out of your private home to pay payments of any category, be it electricity, mobile recharge and other requirements.

Live hassle free and avail of the Mobile Bill Pay option of the Bank. Ensure you do the proper clicks, replace appropriate data and the bill. You have got completed your part to Mother Nature by saving paper and making one of the best 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 of the credit cards are safely protected as they’ve 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 need to use the card to access airport lounges (for a nominal charge), shop online for clothes, gadgets, book tickets of your favourite shows etc. Just like every credit card, you will receive an SMS immediately after a transaction to the mobile number registered in the directory.

You can even withdraw money at any ATMs in the world (however, you have to inform the bank for some credit cards about going to a foreign country). Charges might be applicable as per the guidelines. Payment by card just received better with these points.

• Booking by credit card offers you reductions on movie tickets and outside dining.
• Relying on the card, you’re going to get refunds for fuel surcharges.
• Members of the family of major card holders don’t have to pay charges for changing into an add-on member.
• Becoming a member of fees could also be waived in case you make a purchase of a particular amount or above using the card.


You should have attained the age of 18 years or older

You must preserve a minimal quantity as per the requirements of the credit card
In case you are applying for a credit card the first time, you need to provide proof of your income, address. In case you already have an account, your KYC information shall be checked as soon as once more for genuineity.

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