Benefits of a credit card
All banks are people friendly and have a variety of credit cards to help people in emergencies or unexpected situations. You can select any card that suits your lifestyle, and their customer-friendly executives are always on hand for assistance. All cards have cash back schemes, reward points and offers at any time of the year. Having a credit card offers you the convenience of making a payment instead of paying cash for various services.
Benefits
Yes, selecting the best card is a challenging task, but not an impossible one. If your job involves excursions, a travel card that offers discounts on hotel reservations and airline tickets will be the best option. In addition, you have the option to pay with this card instead of paying in cash abroad. If you are one of those who shop regularly, a card that offers discounts on popular brands, electronic products at suitable outlets will be the best option.
In an unforeseen emergency, you can make the payment, but you can change the large amount to EMI. Payment is required, however you can schedule payment at your convenience after following the guidelines.
Some of the card fans feel that the monthly statement is a diary where it is not necessary to write down the purchase items. An option where purchases can be easily sorted is also available.
Making regular payments on your debt automatically rewards you with a good credit score. A wonderful track record will always help you get a loan.
Forget the past of standing in long lines at a bank; you can apply for your favorite credit card in the comfort of your home or office. Visit the website, browse the required column and select your favorite card. Personal details should be filled in as required and then click on the “Apply” option. The next step is to have copies of your proof of identity, proof of income, and proof of address ready for the verification process.
Stand out
Managing expenses is difficult, but more challenging is the task of paying bills. The world is at your fingertips as long as you know how to handle technical devices and have a credit card. You don’t have to leave your house to pay bills of any kind, be it electricity, cell phone recharge and other requirements.
Live without problems and take advantage of the Bank’s Mobile Bill Pay option. Make sure you make the right clicks, update the correct information and invoice. You’ve done your part with Mother Nature by saving paper and making the best use of your time.
Characteristic
The Internet has spawned cybercriminals who take every opportunity to scam money at your expense. However, all credit cards are securely protected as they have an EMV chip (also PIN protected) by which every transaction is secure. The chip drastically reduces any possibility of theft and forgery of fraudulent transactions.
You can use the card to access airport lounges (for a nominal fee), shop online for clothes, gadgets, book tickets to your favorite shows, etc. As with all credit cards, you will receive an SMS instantly after a transaction to the mobile number registered in the directory.
You can also withdraw cash at any ATM in the world (however, you have to inform the bank for some credit cards about going to a foreign country). Fees will be applied as per guidelines. Card payment has improved with these points.
• Booking with a credit card gives you discounts on movie tickets and outdoor dining.
• Depending on the card, you’ll get rebates for fuel surcharges.
• Family members of primary cardholders do not have to pay fees to become additional members.
• Enrollment fees may be waived if you make a purchase of a particular amount or more with the card.
Eligibility
You should have reached the age of 18 or older.
You must maintain a minimum amount based on credit card requirements.
If you are applying for a credit card for the first time, you must provide proof of your income, address. In case you already have an account, your KYC information will be checked once again for authenticity.
