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Every bank is people friendly, and they have different types of credit cards to help people in emergencies or adverse situations. You can choose any card that best suits your lifestyle and their customer-friendly executives are always on hand to assist you. All cards have cash back schemes, reward points and offers at any time of the year. Having a credit card gives you the convenience of making one payment for various services as compared to paying cash.
benefits
Yes, selecting the best card is a challenging task, but not an impossible one. If your job involves traveling, then a travel card that offers discounts on hotel bookings and flight tickets would be the best option. Also, you have the option of paying with this card instead of paying cash in a foreign land. If you are one of the regular shoppers, popular labels at suitable outlets, discount card on electronics would be the best option.
In case of an unforeseen emergency, you can make the payment but convert the larger amount into an EMI. Repayment is mandatory, however, you can schedule the payment as per your convenience after reading the guidelines.
Some card fans write the monthly C.statement in a diary where you don’t need to note down the purchase items. There is also an option available where the purchases can be sorted easily.
Regular payment of dues automatically improves your credit score. A great track record will always help you in securing a loan.
Forget the past of standing in long queues at the bank; You can apply for your favorite credit card from the comfort of your home or office. Visit the website, browse the required column and select your preferred card. Personal details have to be filled as required and then click on the “Apply” option. The next step is to keep ready copies of identity proof, income proof and address proof for the verification process.
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Managing expenses is difficult, but paying the bills is an even more challenging task. The world is at your fingertips, provided you know how to handle technical equipment and have a credit card. You don’t need to step out of your home to pay bills of any category, be it electricity, mobile recharge and other necessities.
Be hassle free and avail the mobile bill payment option of the bank. Make sure you click right, update the right information and bill. You have done your bit towards Mother Nature by saving paper and making the best use of your time.
features
The internet has given rise to cyber criminals who use every opportunity to swindle money at your expense. However, all credit cards are reliably secure as they have an EMV chip (also protected by a PIN) through which every transaction is made secure. The chip reduces any chances of skimming and counterfeit fraudulent transactions to a great extent.
You can use the card to access airport lounges (at a nominal charge), shop online for clothing, gadgets, book tickets for your favorite shows, and more. Like every credit card, you will receive an SMS immediately after the transaction on the mobile number. registered in the directory.
You can also withdraw cash from any ATM in the world (however, for some credit cards you will need to inform the bank about going abroad). Fee will be applicable as per rules. Paying by card just got even better with these points.
• You get discounts on movie tickets and dining out when booking with a credit card.
• Depending on the card, you will get a refund for the fuel surcharge.
• There is no fee for the family members of the primary card holders to become add-on members.
• The joining fee can be waived if you make purchases of a specified amount or more using the card.
eligibility
You must be 18 years of age or older
You must maintain a minimum balance as per the requirements of the credit card
If you are applying for a credit card for the first time, you will need to provide proof of your income, address. If you already have an account, your KYC details will be checked once again for authenticity.
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