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How to get the best credit card in India?

  • Highlights

  • Credit cards in India offer attractive rewards & perks

  • SuperCard is one of the top credit cards in India

  • It offers interest-free loans and cash withdrawals

  • It allows you to convert purchases into easy EMIs

A credit card boosts your purchasing power, allows you to make transactions conveniently and offers attractive reward points too. In addition, it also gives much-needed breather during a financial crisis. Today, issuers offer a number of attractive features with their credit cards that can make comparing the best ones an overwhelming experience.

For instance, while some issuers may promote the best credit card in India with no annual fees, others waive off the joining fees when your annual spending meets a threshold amount. What’s more, you can find a credit card tailored to your profession or spending habits too, like a fuel card, a travel card, a Doctor’s card and more; however, you may be looking for an all-rounder or for the best free credit card in India. Fortunately, with some research, you can successfully choose the best credit card in India that matches your needs.

Take note of the following pointers when comparing top credit cards in India.

Choose a multipurpose credit card unless your spending is very specific

Issuers offer different types of credit cards that are tailored to meet specific needs. For instance, a fuel card offers a waiver of surcharge and gives you extra reward points on refuelling your motor vehicle. A shopping card, on the other hand, extends attractive discounts, cashback and rewards when you use it to pay for groceries, lifestyle and other related expenses. If you have a specific spending habit, your best bet would be to avail a card that meets your needs.

However, if you don’t, the best credit card for you would be the one that offers rewards and discounts on each or most transactions. The Bajaj Finserv RBL Bank SuperCard is one such card that offers reward points on each transaction that you make using it. From travel booking to hotel stays, from paying for fuel and appliances to gadgets, clothes and groceries, you can use this credit card to pay for any expense, and enjoy amazing discounts, rewards, and offers that gave you maximum bang for your buck.

Shopping online made easy with the SuperCard

Choose a credit card that lets you withdraw cash at nominal charges

Though credit cards are widely accepted, you still need cash, which leaves you no option in certain places but to withdraw cash using your credit card. When you do this, the issuer charges a processing fee plus high interest on the transaction amount, which adds to your expenses. But with the SuperCard, you can withdraw the required cash from ATMs across the country and pay no interest for 50 days! This way, you can meet your need for emergency cash without paying any cost. Look for a credit card that offers you a similar advantage so keep your costs low.

Choose a credit card that offers a low-cost emergency loan

In addition to allowing ATM cash withdrawals, good credit cards in India also offer emergency loans in times of need. You can avail this by converting your credit limit into a personal loan. You then repay the borrowed sum along with interest to the lender. However, this too attracts high interest, which adds to debts. Fortunately, you don’t have to pay interest for 90 days when you avail an emergency loan with a SuperCard. This way, you can either repay the loan within the interest-free period at no cost or do it by converting your loan into 3 easy EMIs.

Choose a credit card that allows you to make big-ticket purchases on EMI

While all credit cards boost your purchasing power by allowing you to make big-ticket purchases on credit, only certain good credit cards in India offer an EMI option. Without this option, repayment becomes burdensome as you may have shopped for multiple appliances during the same billing cycle during the festive season. Not repaying the entire sum spent may lead to high interest penalties.

Thankfully, with the SuperCard, you enjoy EMI financing option and discounts on purchases that you make from Bajaj Finserv partner stores. In addition to this, you also get a cashback of 5% when you use your reward points to make the down payment. This not only makes for delightful purchases, but also easy repayment.

Now that you know how to choose the best credit card in India and the features that make the SuperCard one of the top credit cards in India, apply for one today! To get started, check your pre-approved offer from Bajaj Finserv to benefit from a customised deal and enjoy one-step, hassle-free online approval. Once approved, you can unlock the many benefits that SuperCard offers and secure your financial freedom!

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