All banks are people friendly and have a variety of credit cards to help people in case of emergencies or unexpected situations. You can select any card that’s right for your lifestyle, and their customer-friendly executives are always on hand for help. 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 one payment instead of paying cash for various services.

Profits

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 plane tickets will be the best option. Also, you have the option to pay with this card instead of paying in cash abroad. If you are one of those who shop regularly, a card that offers discounts on popular brands, electronics at suitable outlets will be the best option.

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

Some of the fans of the cards think that the monthly account statement is a journal where it is not necessary to write down the purchase items. An option is also available where purchases can be easily ordered.

Making regular payments on your debt 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 must be filled in as required and then click on the “Apply” option. The next step is to have copies of your proof of identity, proof of income, and proof of address ready for the verification process.

Stand out

Managing expenses is difficult, but more challenging is the task of paying the bills. The world is at your fingertips as long as you know how to handle technical gadgets and have a credit card. You do not have to leave your house to pay bills for any item, be it electricity, cell phone recharge and other requirements.

Live hassle-free and take advantage of the Bank’s Mobile Bill Pay option. Make sure you make the right clicks, update the correct information and invoice. You’ve done your part for Mother Nature by saving paper and making the best use of your time.

Characteristics

The Internet has given rise to cyber criminals who use every opportunity to scam money at your expense. However, all credit cards are securely protected as they have an EMV chip (also PIN protected) by which every transaction is secure. The chip drastically reduces any possibility of theft and forgery of fraudulent transactions.

You can use the card to access airport lounges (for a nominal fee), shop online for clothing, gadgets, book 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 going to a foreign country). Fees will be applied based on guidelines. Payment by card improves with these points.

• Booking with a credit card offers you discounts on movie tickets and outdoor dining.

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

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

• Enrollment fees may be waived if you make a purchase of a particular amount or more with the card.

Eligibility

You should have reached the age of 18 or older.

You must maintain a minimum amount based on 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 once more to verify its authenticity.