How do credit cards work
There is no one-size-fits-all approach to choosing a credit card that meets your needs. To apply for a credit card online, it is advisable to identify your financial needs and then choose a credit card that meets those needs. Credit cards are simple instruments that can become your best friend when your wallet runs out of cash. There is nothing worse than the indifference of a credit card when you have no cash in hand and no cash in the bank. Credit cards are readily available to consumers today in various forms.
There are various reasons why credit cards are appropriate for each individual, and it is very important to know “how do credit cards work?” If you are a frequent shopper, there is the possibility of earning generous cashback on every purchase you make or significantly lowering your fuel costs.
Listed below are some of the best credit cards that provide exciting offers in April 2022
Bajaj Finserv RBL Platinum Edge SuperCard
With your Bajaj Finserv Platinum Edge SuperCard, you may open the door to a world of great times. The card is a perfect match for your spending habits and way of life, allowing you to save money on all of your purchases. These include groceries, electronics, fashion, automobiles, and fuel while also earning best-in-class rewards, including movie tickets, dining, and privileges such as complimentary airport lounge access.
HDFC’s MoneyBack credit card
If you are new to credit cards, then HDFC MoneyBack Credit Card would be great. Not only will you be enhancing your credit score, but you will also be saving money with this card. With its cashback perks, you’ll save money on every purchase. Every time you spend Rs. 150, you will get two reward points and twice if you shop online. You can redeem these points for gifts or air miles with an exclusive rewards catalogue.
Bajaj Finserv RBL Bank Platinum Plus SuperCard
RBL Bank is one of the fastest-growing commercial banks globally, and it is rapidly expanding. The RBL Bank offers a wide range of credit cards designed to suit many different needs. Customers can choose from various credit cards specifically designed to suit their needs. The credit cards come with an annual fee and finance charges up to 3.99%. In addition, this Platinum Plus SuperCard offers 1 reward point on every Rs. 100 spent on shopping.
SBI SimplyCLICK credit card
If you are a frequent consumer and you prefer not to pay an annual fee, the SBI SimplyCLICK money back credit card is an excellent option. Although there is a minimal fee associated with the card, it can be refunded if one spends over 1 lakh. Special deals are also available on online stores such as Flipkart, MakeMyTrip, Amazon, and Cleartrip.
Bajaj Finserv Shop Smart SuperCard
If you prefer to receive a cashback on your purchases rather than reward points, you should consider applying for the Bajaj Finserv Shop Smart SuperCard. It gives you a 5% cashback when you go grocery shopping. In addition, you will receive a milestone bonus every time you spend Rs. 1 lakh or more in a year. All of this is available for a one-time cost of Rs. 499 annually.
SBI Card Prime Credit Card
No one can dispute the fact that the SBI credit card prime is one of the best credit cards in India that can be obtained. With this card, one can enjoy a cashback reward on expenses such as groceries and shopping. Furthermore, it is possible to receive discounts and vouchers from different brands based on the type of expenditure made. Therefore, having a good credit score is essential for applying for this card.
Bajaj Finserv Platinum Choice SuperCard
Consider the Bajaj Finserv Platinum Choice SuperCard or its variant that does not charge an annual fee for the first year if you are looking for a card that can handle all your credit requirements. The card has an annual fee of only Rs. 499 and allows you to convert large-ticket purchases into EMIs and earn reward points online and regular spends. In addition to various benefits, you will also receive 10% off on movie tickets on BookMyShow.
Final Thoughts
It is imperative to remember that no single credit card will offer you all the benefits you’re looking for. There is no doubt that credit cards have both advantages and disadvantages. Also, when you compare credit cards, you have a better chance of selecting the card that meets your specific needs. If you consider all of your choices thoroughly, you will be able to make an informed decision.