How to Choose the Best Credit Card that can Make Life Easier?

A credit card is necessary to make people’s lives easier and smoother. Lending institutions offer customized credit cards with innovative features and benefits for clients. If you want to apply for one with such benefits, the first essential step is to select the appropriate and best credit card that matches your lifestyle.

Approach a reliable financial institution and look for features that meet your lifestyle requirements. Here are a few things to consider when choosing the best credit card in India.

1. Flight tickets

Financial institutions offer credit cards for those who frequently travel by air. These cards, known as travel credit cards, give you travel miles when you use them to purchase air tickets. You can then redeem these rewards to buy future air tickets at discounts.

Some standard credit cards also allow the conversion of reward points into travel miles.

2. Fuel usage

Similar to the above, fuel credit cards are for those who travel short or long distances daily. These cards can make their fuel purchases affordable.

Using these types of credit cards to buy fuel helps you accumulate reward points. These points are redeemable for discounts on fuel purchases. Again, you often have to pay a surcharge when buying fuel with credit cards. However, fuel credit cards give you a complete or partial fuel surcharge waiver.

3. Entertainment

Credit card companies also have options for frequent movie-goers. Entertainment credit cards provide discounts and cashback when you use this card to buy movie tickets. You can even get a ‘buy 1 get 1’ offer on movie tickets with some credit cards. 

4. Retail

Retail credit cards are co-branded. Financial institutions offer these types of credit cards in partnership with retail companies, both online and offline. Using the retail card to purchase products from those sellers gives you high reward points, discounts, or cashback.

These are some of the widely available credit cards in India. The best credit card in India is the Bajaj Finserv RBL Bank SuperCard. It’s a one-credit card that combines the power of four.

Some of its exclusive features include:

1. Zero-interest emergency personal loan

One of the industry-first features of this credit card is a zero-interest emergency personal loan. You can convert your card's unused credit limit into an interest-free personal loan for up to 90 days. Later, you can repay the loan in 3 easy EMIs.

2. ATM cash withdrawal at 0% interest rate on repayment

Withdraw from ATMs freely without paying any interest on its repayment. The cash you withdraw is interest-free for up to 50 days. It is another industry-first feature of this card.

3. Welcome bonus

SuperCard gives up to 20,000 reward points as a welcome bonus upon application for it.

4. Milestone bonus

You can receive up to 20,000 reward points when you spend Rs. 3 Lakh in a year, and you can earn an additional 20,000 points by crossing the Rs. 5 Lakh mark in a year.

5. Reward points

Another reason the SuperCard is the best credit card in India is that it gives you up to 2 reward points for every Rs. 100 you spend online or offline. Furthermore, you will receive up to 20 reward points for every Rs. 100 you spend overseas or when dining.

6. Offers on movie tickets

You get 10% discounts on movie tickets or receive one ticket free when you purchase another.

7. Airport lounge access

Access to airport lounges requires purchasing business class air tickets. However, with these cards, you can receive up to 8 complimentary accesses to such lounges every year.

8. Fuel surcharge waiver

Purchase fuel with a credit card to earn reward points without paying any surcharge. The SuperCard gives you a a monthly fuel surcharge waiver of up to Rs. 200.

9. EMI product financing

Last but not least, you get the power to convert your purchases into EMIs with the SuperCard.

So, if you wish to apply for a credit card quickly, you can approach Bajaj Finserv for their exclusive pre-approved offers on credit cards. These offers not only simplify the process of availing finance but also save time. You can also enjoy these pre-approved offers on home loans, business loans, personal loans, and an array of other financial products and services. Provide only your name and phone number to check your pre-approved offer.

Make sure to compare the interest rates and additional charges before you choose the best credit card in India. Go for the Bajaj Finserv RBL Bank SuperCard, as it can make your life easier.