Credit Card Benefits: Many credit card benefits and features are very similar. You can get many advantages across different credit cards. These are some credit card benefits you should consider:
- High-End Products on Credit – Your credit card can be used to purchase expensive products, both with EMI and credit. This means that your budget won’t be affected and you can remain worry-free.Credit Card Benefits.
- No need to carry cash when shopping – A credit card removes the need for you to have cash with you. You can also shop online without having to contact payment.
- Get Cashback, Rewards and Other Benefits – The main benefits of credit cards are the discounts, rewards points and cashback offers you can get while you pay.
- You may have access to specialty retailers, online portals for shopping, or travel sites with your credit card. Rewards can vary depending on the retailer.
Modern life has made credit cards almost a necessity. Credit cards allow you to access cheap credit quickly so you don’t have to wait until your next month’s paycheck to buy what you want.
In financial emergencies, credit cards can be a lifesaver as you have immediate access to funds. Credit Card Benefits.
If you are responsible and use your credit card responsibly, you will reap many benefits. It offers more than just easy credit.
You also get extra protection and convenience. Bajaj Markets offers additional benefits such as personal loans to cover your cash limit, easy conversions of EMIs, and many discounts. Credit Card Benefits.
Credit Card Features
Credit cards are a convenient way to pay for goods or services. You can also use your credit card offline and online. You get a credit card that offers a longer credit period than debit or cash cards.
You can therefore afford many products without needing to draw on your savings. You can also get credit cards in many different types, with credit card features that are tailored to your spending habits and financial needs.
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Before you decide on the right credit card for you, it is important to understand the details of each credit card.
- EMI payments – One of the best things about a credit card is that you can use it to purchase flagship items at low EMIs. You can choose the repayment term.
- Easy approval – An credit card can be applied online or offline. Eligibility criteria are simple to meet and only basic documentation is required.
- Customized Card Limit – The credit limit can vary from card to card and is largely at the discretion of the card issuer. A credit score is required. The higher the credit limit, the more you will get.
- Loans for Emergencies – Credit card facilities can be used to obtain a personal loan for emergency expenses.
- Cash Withdrawal- A credit card has the advantage over a debit card in that you can withdraw cash at ATMs and have the option to repay amounts as you pay your bill.
- Discounts/Offers/Rewards – Clearly, the best credit card perks are the discounts and offer you can avail of on a range of products. ‘
- You can also earn reward points based on your spending habits and which credit card you have. These points can be used to get additional discounts in the future.
- Payment Security- Credit cards are digital instruments that offer security in payments. You don’t need to be worried about multi-factor authentication or in-hand security features.
Top Credit Cards with Bonuses
Credit card use offers consumers many options to purchase items and enjoy them without worrying about payment. Credit Card Benefits.
Credit cards can be useful in emergency situations as well as being affordable. These are the top credit cards available from Bajaj Markets partner card issuers. The following table also includes non-partner cards:
|Top Credit Card||Benefits/Features|
|bajaj finserv rbl bank platinum choice Supercard||Milestone Bonus: 5,000 reward points for spending more than Rs. 75,000 per annum
10% Discount on Movie Tickets
1 Reward Point per Rs. 100 spent
|Axis Bank||25% Cashback on Movie Tickets
Swiggy: 40% Discount
|BPCL BI Credit Card||Huge savings at BPCL pumps and big fuel surcharge waivers|
|Citibank Cashback Credit card||Instant Redemption of Rewards Points
Instant Loan Application
Unbeatable Cashback Offers
|ICICI Coral Visa Credit Card||Movie Tickets Discounts of up to 25%
2 Reward Points per Rs. 100 spent
|Citibank Corporate Credit Card (non partner)||Get Discounts on Dining and Travel
Cash limit high
Global Lounge Access
|HSBC Credit Card Non-partner||Cashback Advantages up to 1%-1.5%
Reversal of annual charges on spending Rs. 1 lakh
Tips to Get the Most Out of Your Credit Card
You will find that credit cards offer many benefits, including the ability to save money. To get the most from your credit card, here are some tips:
- Discover Rewards –Find a credit card that offers the most rewards, especially if your purchases are large and frequent.
- Choose a Card with Lower Interest Rates – The interest rates are applied to goods purchased in EMI. You shouldn’t pay more than your monthly equated installments because interest charges for EMIs are low.
- Learn More About Charges – If you’re looking for credit cards, low-interest cards are the best. Keep an eye out for interest and late payment fees, as well as transaction costs for ATM withdrawals.
- Find out More Benefits – Many credit cards offer additional benefits such as free access to airport lounges and discounts at partner retailers.
- Limits to Credit Card Loans -Offers for credit cards allow you to get loans against your credit limit. These loans can be used in an emergency.
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