How To Choose the Right Credit Card.

Best Buy Credit cards In India

Credit cards have become a popular and convenient mode to make payments for goods and services. A credit card can help you to improve your credit score, if you spend wisely and make your full payment before the due date. You can also enjoy great discounts, cash-back and good deals that are often on offer. One can also use credit cards to buy expensive items/ white goods on EMIs (equated monthly instalments). One can also use credit cards in emergency situations when one needs money urgently. Credit cards offer an interest-free period of up to 45 days and are useful for hassle-free transactions online and offline.

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Many different kinds of credit cards are available to cater to the varied needs of customers. One can select the credit card that is best suited to one’s spending habits and, accordingly, save more on daily expenses through reward points, cash-back, discounts, offers, etc.

People looking to take a credit card often find it difficult to zero-in on the perfect credit card. Unfortunately, there is no single card that meets everybody’s needs. The best way to find the right card for you will depend on your personal spending patterns and interest in rewards. It is advisable that you take a step back and understand your reason to opt for a card; this will help you in your decision-making process.

Here we share tips and guide you on how to choose the right credit card. Credit card is a double-edged sword which can build as well as destroy your credit history. Hence, it is important that you learn about all the details related to a credit card before applying for it.

Vijaya Rupay (a no fee, global card) offers 12 lounge visits free and 5% cash-back on dining and utilities. This is best, if you are a low spender.

The Air India SBI Signature card offers eight domestic visits/year and Rs11,250 in bonuses. Consider this if you fly Air India.

The ICICI Sapphiro Amex card offers four quarterly domestic lounge visits. The US$99 annual membership fee for Dreamfolks DragonPass is complimentary. Consider this card, if you are not a high spender but interested in hotel perks.

You also stand to earn miles that you can convert to free flight or complimentary nights at star hotels. Citi Prestige offers priority pass membership, buy four nights, get one hotel night free. Consider this, if you have Citigold Private status and you are a high spender.

Axis Bank's Pride Signature Credit Card is the best travel rewards card with an easily achievable annual fee waiver. The first year is free but you would technically be charged Rs500 in the following years if your annual spend is less than Rs40,000.