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How to pick the best credit card provider in India

  • Highlights

  • Compare issuer’s features to choose the best credit card

  • Look for perks and discounts to save more on each spend

  • Use SuperCard and split purchases over Rs.3,000 into EMIs

  • Get 20,000 reward points as welcome bonus on SuperCard

With every passing day, credit card companies are finding new and attractive ways to stay competitive. With new offers and seasonal perks, credit cards have come a long way from being just a mode of transaction. Today, your credit card has the power to shape your purchases and plays a vital role in your purchasing toolkit. So much so that it has even replaced the need for hard cash in most instances and in turn, offers greater security via a c credit card app or via a virtual credit card feature.

Due to the fact that there are so many credit card companies in India and an even higher number of credit card offerings, be it a credit card without annual fees, student credit cards, store credit cards or airline credit cards, it can be hard to pick just one. Take a look at this checklist to find the best credit card provider, with whom you can comfortably apply for a card of your preference.

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Additional Read: All you need to know about Supercard

Interest-free loans against a credit card

An important feature that you must look out for when choosing a credit card is the ability to obtain a loan against it. This way, you know that in case of an emergency or a cash crunch, you can always count on your credit card to get you an affordable sanction. The interest-free element is also important as you would otherwise be paying a hefty repayment amount basis what you borrow, due to high interest charges. The Bajaj Finserv RBL Bank SuperCard does just that and allows you to borrow an interest-free emergency loan against your credit card limit for up to 90 days.

Extensive perks and reward system

When looking for the best credit card provider, check for additional perks that come along with the credit card. These can include special amenities and a reward system that adds value to every purchase you make. By doing this, you’re sure to find that just a handful of issuers stand out and you can safely take your pick from those.

For example, when you sign-up for the SuperCard, you can get up to 20,000 reward points as welcome gift. These points can then be redeemed for special discounts and offers at any time, allowing you to maximise your savings. Furthermore, the reward system for the SuperCard enables you to save up to Rs.55,000 annually!

EMI financing options

A special feature that you must definitely look out for is EMI financing capabilities on your credit card. This lets you split big-ticket purchases into affordable EMIs through a suitable tenor. Through this feature, you can comfortably make substantial purchases without putting a strain on your finances. The SuperCard excels at handling expensive purchases as it lets you split any spend over Rs.3,000 into 3-easy EMIs. This facilitates affordable repayment for you, so you can maintain your budget and pay the entire credit card bill on time.

Sign-up bonuses

In order to truly get the best offer, you must check an issuer’s sign-up bonus. This will help you decide on the better offer and settle on a beneficial credit card. Remember, bonuses add value to your overall experience and you owe it to yourself to get the best.

Additional Read: Apply for Credit Card in 3 Steps

Easy credit card bill payment facilities

Bill payment facilities are an important element when it comes to credit cards. This is because missing a single repayment not only hurts your finances, but your credit score as well. Pick an issuer that has multiple and easy bill payment systems in place. The option of making credit card payment online offers immense flexibility, thus choose an issuer who allows you such facilities for hassle-free transactions. Bajaj Finserv in collaboration with RBL Bank has taken it one step further allowing you to pay your SuperCard bill through the RBL MyCard smartphone application. This way, you never have to miss a payment as you can control it from your smartphone.

This checklist is sure to help you get maximum benefit from your credit card beyond just the increased spending power. The key in securing an incredible credit card is to look for an issuer that prioritises your experience and special features are the best way to achieve this. To enjoy all these benefits in full, check your pre-approved offer for a tailored credit card deal and get instant approval.

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