This steep rise of consumerism and the growing needs have led individuals to search for affordable financing solutions. Thus, lending institutions are making financing more accessible, and what better way to do that than through a credit card.
Financial companies are customising credit cards to fit the changing lifestyles of consumers. One of the most reliable products is Bajaj Finserv RBL Bank SuperCard.
This card not only provides all the essential benefits of credit cards but also comes with several other industry-first features. For instance, you can convert your credit limit into an emergency personal loan. This loan is interest-free for a period of up to 90 days. You can also withdraw cash from ATMs without paying any interest for a period of up to 50 days.
So, credit cards like these can perfectly match your lifestyle, making your purchases more affordable. Precisely, you need to consider your expenditure habits and preferences to select the appropriate card for yourself. Here’s how.
1) If you are a shopaholic
Shopping credit cards, as the name suggests, cater to the shopaholic. You can earn huge rewards and discounts when purchasing (online or offline) with these cards. Again, shopping at partner stores of your card issuing company can also bring you more rewards and vouchers. Redeem these points to get attractive offers on your next purchases.
Apart from this, shopping credit cards come with other attractive features as well.
2) If you spend high on groceries
Retail credit cards are a type of co-branded cards provided by financial institutions in partnership with a retail store. You get high reward points when shopping from that store using this best credit card in india. These provide instants discounts and gift vouchers too.
3) If you are a frequent flyer
Similar to retail credit cards, lending companies in association with airlines provide airline or travel credit cards.
The cards provide reward points or miles every time you use them to buy air tickets. The number of points that you receive can vary between domestic and international flights. Redeeming these rewards will help you get discounts on your future air ticket purchases. You can also transfer or gift your miles and pool them in from your friend or family.
Other than rewards, some airline cards provide you with various insurances like:
- Travel accident
- Baggage delay
- Lost or damaged baggage
Few cards let you carry extra luggage and give you priority check-in. A common feature among airline credit cards is free access to domestic and international airport lounges.
The Bajaj Finserv RBL Bank SuperCard provides up to 8 such lounge accesses per year to cardholders.
Bajaj Finserv has pre-approved offers on their credit cards which make availing those less complicated. These offers are also available with personal loans, home loans, business loans, and a host of financial products and services. You can have a look at your pre-approved offer by providing only your name and phone number online.
4) If you spend high on fuel
A fuel credit card can be lucrative if your fuel expenses are high. Utilise these co-branded cards to pay for your fuel and earn attractive rewards and discounts. Next, you can also purchase free fuel up to a specific limit, thanks to these redeemable points.
Additionally, these fuel cards can give you limited or complete fuel surcharge waiver. Some provide cashbacks as well when you purchase fuel.
5) If you are a movie buff
Entertainment credit cards provide rewards when purchasing movie tickets. These are ideal if you are a movie buff and hit the theatres frequently.
6) If you have high debt with another card
A balance transfer credit card is a bit different than the others mentioned above. These cards can come to your rescue when you have a huge debt in your existing card. Avail balance transfer credit cards when you cannot clear the bill and also don’t want to pay high interest rates.
The cards have low or 0% interest rates for a fixed period. Transferring your debts to these credit cards can help you avoid high interests and late payment fees.
Choose from the above credit cards which best matches your lifestyle, and receive rewards to make your future expenses more reasonable.