Applying for your first credit card can be a daunting task. After all, there are hundreds of credit cards available in the market and numerous terrifying stories about misusing them. However, credit cards are powerful financial tools that not only help you to build a strong credit history but if used rationally they can benefit you in numerous ways.
If you are taking the initial step toward applying for your first credit card, here are a few important things to remember.
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1. Types of Credit Card.
2. Your Income.
3. Start with Low Credit Limit.
4. Important Credit Card Terms and Conditions.
5. How does Interest Apply?
Club Vistara is the loyalty programme offered by Vistara Airlines. This programme rewards those people who frequently use Vistara flights. Users earn Club Vistara (CV) points and tier points on their flight. Club Vistara points can be redeemed against flight tickets or upgrade. The points are valid for 36 months from the date of accrual.
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Tier Points on the other hand help raise the customer’s Club Vistara Tier. There are four tiers namely; Base, Silver, Gold and Platinum. A higher tier will allow the customer to avail additional benefits such as lounge access, additional check-in baggage allowance, accelerated reward points earning and so on. Tier Points are valid for 12 months only.
Key Highlights of Axis Bank Vistara Card
As a frequent flyer, there are a few things you probably always look for. These include complimentary flight upgrades, priority boarding, and a complimentary flight ticket or two. You get all of this and more with the Axis Bank Vistara Credit Card.Get a complimentary economy class flight ticket as a welcome gift.
Get your Club Vistara membership for free.
Earn 2 Club Vistara (CV) Points for every Rs.200 that you spend.
Get economy class tickets for free when you reach milestone spends.
Up to Rs.2.5 crore complimentary air accident insurance.
Complimentary lounge access at airports in India.
American Express Credit Cards provide personalized perks and rewards so that you get the best benefit from your spendings. American Express always aim to make you experience the stuff you love. An American Express Credit Card provides you with luxurious shopping, dining, travel and much more benefits. American Express Credit Card is a perfect way to handle your expenses which also enables you to experience a premium lifestyle that you need.
Take a look at the below-listed 7 reasons before making an American Express Credit Card as your banking and financial partner. Click on the link to know more about the 7 reasons why you should get an american express credit cards: https://www.thetodayposts.com/reasons-you-should-get-an-american-express-credit-card/
If you check your credit report regularly, you always stay updated with your credit score. If there’s a fall, you can track down the reasons and rebuild your credit score in time. Likewise, if there’s an increase in your credit score, you can review it to understand how your credit score can be improved if it falls in the future.
Let us know the benefits of reviewing your credit report regularly in detail. Click on the link to get information why you should check your credit report regularly: https://kirtibhargav.substack.com/p/why-check-credit-report-score-regularly
Benefits of Checking Credit Report Regularly Some of the key benefits of regularly checking your credit report are:
Know the Effect of Your Actions on your Credit Score: Checking credit score regularly can help you monitor your financial actions. This way you’ll know if your actions are affecting your credit score positively or not. If you know what may bring down your credit score, you will be able to avoid that and get better offers on personal loans, home loans, etc. in times of need.
Bank of Baroda offers a range of credit cards which cater to the needs of every individual. The cards are loaded with special benefit and you are also rewarded with privileges and promised savings on every usage. The BoB credit card application process is simple and easy. Let us look at the various Bank of Baroda Credit Cards in detail.
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Best BoB Credit Cards in India for 2022Bank of Baroda offers different credit cards with varied features and benefits across multiple categories. Given below are the key highlights of each of top BOB credit cards
In the last few years, India has embraced plastic money and digital payments at quite a fast pace. Today, more people also have credit cards than earlier. However, people are still wary when it comes to using a credit card. This is mostly because people are unaware of the benefits you get by using a credit card.
If used wisely, a credit card gives you way more than the amount you end up paying as the joining fee or the annual fee. And using it wisely doesn't just involve paying your bills in full and on time. To help you understand just how to go about making the most of your card, here's how you can maximise the benefits on your card.
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When used wisely, a credit card is the best resource to manage expenses as well as build your credit score. However, many a time people forget their real purpose and indulge themselves in unwanted shopping, which eventually increases their financial liabilities.
Indeed, it is very difficult to restrict using a credit card in today’s world, especially when you can shop from your phone or laptop. Using credit cards smartly has become the need of the hour. So, here are the ways to keep track of your money through a credit card. Click on the link to know more about the Ways To Keep Track Of Your Credit Card Spending: https://writeupcafe.com/ways-to-keep-track-of-your-credit-card-spending/
If you’re ready for your very first credit card, I’d first like to praise you for doing your research before accepting the first offer you receive. Credit cards aren’t created equal. Even among starter credit cards, terms and benefits vary. Here’s everything you need to know to help you pick the right card for your situation.
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Before you start applying, make sure you have a good understanding of the basics of credit. You should know how credit card interest works (and how to avoid paying it), as well as how credit scores work and why they matter.
Once you feel confident about using your first card, it’s time to start weighing your options. If you’re a credit newcomer, you probably won’t have access to most credit cards because issuers don’t have the data to assess how much of a credit risk you are. Still, there’s a couple of ways you can get access to your first credit card account.
Bank of Baroda, also known as BOB, is an Indian Multinational Banking and Finance Company. It is one of the leading banking companies in India that offer different types of credit cards..For everyone, the needs are plenty, and it could differ for each of us depending on the lifestyle. Clearly understanding the customer's spending habits, Bank of Baroda offers varied credit cards in the following categories.
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1. Shopping Card
2. Cashback Card
3. Rewards Card
4. Travel Card
5. Life Time Free Card
6. Business Card
7. Lifestyle Card
8. Entertainment Card
Many issuers shifted their rewards structures in 2020 and 2021 to focus more on rewarding cardholders for everyday purchases like groceries and takeout. Like other rewards cards, travel credit cards allow you to earn rewards for certain types of purchases, usually in the form of points or miles.
You can redeem your travel rewards for things like flights, hotels or other travel purchases like car rentals or vacation packages. Some issuers also let you redeem travel rewards for statement credits and other non-travel-related options.
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You can avail a world of premium and unmatched benefits with the credit cards offered by LIC. The list of cards includes travel cards, rewards cards, and premium lifestyle cards and they offer some of the best features on their respective categories. Check out the list to choose to the best one for you.
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Top Credit Cards offered by LICThe following table lists the top LIC credit cards that you should explore. For your convenience, you can also check out their annual fee and their respective categories.LIC Titanium Credit Card
Your first credit card can be a step toward building a strong financial future and establishing an excellent credit score—or it can lead to a mountain of debt you struggle to repay for years. Before using your first credit card, here are some tips to guide you along the right path.
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Set a BudgetA credit card is a convenient way to make purchases and earn rewards, but it shouldn't be used to buy things you can't afford.
Keep Track of Your PurchasesCalculating the amount you can afford to spend is the first step. After that, be diligent about tracking your purchases throughout the month, potentially with the help of your credit card's mobile app or website.
A credit card for International use is always on the search list for people who frequently travel abroad. However, all credit cards can be used internationally as per the prescribed credit limit. You can always modify the limits for domestic and international usage at your convenience. But what should be considered here is the fact that the fee charges for international usage vary across all cards.
Thereby, it is beneficial to look for a credit card that offers low foreign currency mark up fee, low cash advance charges across international ATMs along with other benefits such as access to international airport lounges, discounted flight tickets, and better rewards on spending outside India.
Read on to check the list of top credit cards for International use in 2022.Click on the link to know more about the best Credit cards for International Use in 2022:
Have you been looking forward to getting an ICICI credit card for yourself? with a host of options available to choose from, it can undoubtedly be intimidating to narrow down to one. so how exactly should you select the best ICICI credit card from a host of options?
ICICI Bank is known to offer a variety of credit cards to its customers, and it is easy to apply for one, as long as you meet the criteria to get a credit card from the bank. listed below are some of the best ICICI Bank credit cards for you based on their features.
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A credit card is a bit like a sharp knife — it’s a very handy tool, but it’s capable of inflicting horrendous damage if used improperly. The same advice applies to both of them — choose the right tool for the job, and follow the safety rules.
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1. Why Are You Considering Getting a Credit Card?
2. What is the Interest Rate?
3. What is the Credit Limit?
4. Is there an Annual Fee?
5. What are the Penalties & Fees?
6. What are the Rewards Offered?
7. Can you balance your Credit Utilization Ratio?
A card that truly stands for the best, IndusInd Bank Pinnacle Credit Card comes with the host of benefits that enrich the customer’s experience. The card comes with a comprehensive range of travel, lifestyle and golf privileges that are tailor-made for your refined tastes. The holder enjoys various privileges such as free movie tickets, complimentary access to lounges and much more.
The customer has the option to choose any one of the options from a select collection of handpicked welcome gifts. The bank offers interest-free credit period of up to 50 days and charges no annual fee. Other charges and fees are discussed below.
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A credit card for International use is always on the search list for people who frequently travel abroad. However, all credit cards can be used internationally as per the prescribed credit limit. You can always modify the limits for domestic and international usage at your convenience.
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When you apply for a credit card, your issuing bank checks your credit score to determine whether or not you are a creditworthy person. Credit cards are a form of unsecured lending that financial institutions provide based on your creditworthiness.
Generally, applicants with excellent credit scores qualify for the best credit cards in India. The minimum requirement to get a credit card that comes with reward points, cashback, bonuses, and other benefits is 750.
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These days, credit or debit cards are the most used payment method in the country as people know about the benefits they offer. They help you manage your funds with ease and not carry cash anywhere. This keeps you out of stress. Along with that, it is a great advantage for you if you want to improve your credit history.
A good credit history helps you avail loans easily in the future. But, when you are traveling abroad, you should avoid using your credit card to make payments and purchases because it will cost you huge markup fees, conversion charges, and other fees.
This is when opting for a forex card is the wisest decision as it helps you with foreign currencies very conveniently and that too without any extra charges.
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A credit card may seem like a way to make transactions, but that little plastic card can cause a lot of damage if you're not careful. Using your credit card the right way is key to staying out of debt and protecting your credit score. Making any of these credit card mistakes could cost you money and damage your credit.
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Making only minimum only payments
Credit card issuers make it easy to repay your balance by allowing minimum payments. However, making only the minimum payment on your credit card balance increases the amount of time it takes to pay off your credit card balance by increasing the amount of interest you pay on your credit card.