Every bank is people friendly, and they have a variety of credit cards to assist people in case of emergencies or untoward situations. You can select any card suitable to your lifestyle and their customer-friendly executives are always at your beck-and-call for assistance. All the cards have cash back schemes, reward points and offers any time of the year. Having a credit card offers you the convenience of making one payment compared to paying cash for various services.
Yes, selecting the best card is a challenging task, but not an impossible one. If your job involves going on tours, a travel card offering discounts on hotel bookings and flight tickets will be the best option. Also, you have the option of paying by this card instead of paying by cash in a foreign land. If you are one who shops regularly, a card offering discounts on popular labels, electronics at suitable outlets will be the best option.
In an unforeseen-emergency, you can make the payment, but can have the big amount changed to EMIs. Repayment is mandatory, however, you can schedule the payment as per your convenience after going through the guidelines.
Some of the card fans opine the monthly c.statement to a diary where you do not have to note the purchase items. An option is also available where the purchases can be easily sorted.
Making regular payments on your dues automatically rewards you with a good credit score. A wonderful track record will always assist you in securing a loan.
Forget the past of standing in long queues at a bank; you can apply for your favourite credit card in the comfort of your home or office. Make a visit to the website, browse the required column and select your favourite card. The personal details have to be filled as required and then click the “Apply” option. The next step is to keep ready the copies of Identity proof, Income proof and address proof for the verification process.
Handling expenses is difficult, but more challenging is the task of paying bills. The world is in your fingertips provided you know how to handle technical gadgets and have a credit card. You do not have to step out of your home to pay bills of any category, be it electricity, mobile recharge and other requirements.
Live hassle free and avail of the Mobile Bill Pay option of the Bank. Ensure you do the right clicks, update correct information and the bill. You have done your part to Mother Nature by saving paper and making the best use of your time.
The internet has given rise to cyber criminals who make use of every opportunity to swindle money at your cost. However, all the credit cards are safely protected as they have an EMV chip (also protected by PIN) by which every transaction is made secure. The chip cuts down drastically any possibilities of skimming and counterfeit fraud transactions.
You can use the card to access airport lounges (for a nominal fee), shop online for clothes, gadgets, book tickets of your favourite shows etc. Similar to every credit card, you will receive an SMS instantly after a transaction to the mobile number registered in the directory.
You can also withdraw cash at any ATMs in the world (however, you have to inform the bank for some credit cards about going to a foreign country). Fees will be applicable as per the guidelines. Payment by card just got better with these points.
• Booking by credit card gives you discounts on movie tickets and outside dining.
• Depending on the card, you will get refunds for fuel surcharges.
• Family members of primary card holders do not have to pay fees for becoming an add-on member.
• Joining fees may be waived if you make a purchase of a particular amount or above using the card.
You should have attained the age of 18 years or older
You should maintain a minimum amount as per the requirements of the credit card
If you are applying for a credit card the first time, you have to provide proof of your income, address. In case you already have an account, your KYC information will be checked once again for authenticity.
Source by Sathya Narayana