Benefits of a credit card

All banks are friendly to people and have a variety of credit cards to help people in case of emergencies or adverse situations. You can select any card that suits your lifestyle and its 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 compared to paying in cash for various services.


Yes, selecting the best card is a challenging task, but not impossible. 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 of paying with this card instead of paying in cash abroad. If you’re a regular shopper, your best bet will be a card that offers discounts on popular labels and electronics at appropriate outlets.

In an unforeseen emergency, you can make the payment, but you can change the large amount to EMI. Refund is required, however, you can schedule payment at your convenience after following the guidelines.

Some of the card fanatics opt for the monthly statement in a journal in which it is not necessary to write down the purchase items. There is also an option available in which purchases can be easily sorted.

Making regular payments due 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 proof of identity, proof of income and proof of address ready for the verification process.


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 do not have to leave your home to pay bills of any category, be it electricity, mobile recharge and other requirements.

Live smoothly and take advantage of the Bank’s Mobile Bill Pay option. Make sure you make the right clicks, update the correct information, and the invoice. You have contributed to Mother Nature by saving paper and making the most of your time.


The Internet has given rise to 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 protected by PIN) through which each transaction is made securely. The chip dramatically reduces the chances of making fraudulent or counterfeit transactions.

You can use the card to access the airport’s lounges (for a nominal fee), buy clothes, gadgets online, reserve tickets to your favorite shows, etc. As with all credit cards, you will receive an SMS instantly after a transaction to the mobile phone number registered in the directory.

You can also withdraw cash at any ATM in the world (however, you must inform the bank for some credit cards about the possibility of traveling to a foreign country). Rates will be applied according to the guidelines. Card payment just got better with these points.

• Booking by credit card offers you discounts on movie tickets and alfresco dinners.

• Depending on the card, you will receive refunds for fuel surcharges.

• Family members of primary cardholders do not have to pay fees to become additional members.

• Enrollment fees may not apply if you make a purchase of a certain amount or more with the card.


You should have reached the age of 18 years or older.

You must maintain a minimum amount as per 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 verified one more time to verify its authenticity.

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