Of the hundreds of Credit Cards to choose from, which one is meant for you? Save yourself time and break the clutter with our top picks for 2019 across categories.
Choosing the right Credit Card can be tough.
On one side, there is a range of offers and rewards to consider, while on the other side awaits the hideous reality of annual charges and rates of interest.
So how should you go about it?
Begin With Inner Peace
While it’s apparent that you have plenty to choose from, not knowing what you really want might land you in soup.
Say, for instance, you picked a Credit Card because it has a huge credit limit but you didn’t take into account the high rate of interest that comes along with it. As a result, you end up paying hefty amounts every month.
Be watchful of the decisions you make. That way, you will avoid the debt-traps and stay lightyears ahead of trouble.
Additional Reading: The Best Credit Card For Each Income Group
Break A Leg With Your Credit Score
A high Credit Score is not just a fancy number. It’s your wildcard entry into the world of Credit Cards. With a Credit Score of 750 or more, you get VIP-access to premium cards and find exclusive deals at throwaway prices.
If you don’t know your Credit Score yet, use this simple tool to figure it out.
More than anything else, the three-digit number will be your best friend as you wade through the financial high lane. From top-rated Personal Loans at discounted rates to premium insurance deals with maximum coverage, you’ll be amazed to find what this magic number can do for you.
Additional Reading: Improve Your Credit Score With These 6 Time-Tested Hacks
Be Aware Of Credit Card Frauds
You don’t want to get scammed on your first outing with your Credit Card. Stay one step ahead by being a tad more cautious every time you make a swipe.
- Steer away from public Wi-Fi hotspots when you are using your Credit Card
- Do not open phoney emails/SMSes or answer spam calls
- Be on top of your transactions and check your account balance frequently
Additional Reading: Be Wise And Prevent Credit Card Fraud With These Tips
That’s all the gyaan you’ll need to get started with.
Now, let’s take a look at the top-3 performers in Credit Cards across categories:
If you’ve been looking for a miracle card with massive rewards and cashbacks, put an end to your search and apply for this Credit Card right away.
The IndusInd Bank Platinum Aura Edge Credit Card takes its rewards program quite seriously. From restaurant spends to airline tickets to even your medical and grocery bills, you’ll earn a reward point for every dime you spend. Sounds unbelievable?
Hold on, there is more.
With this Credit Card, you can virtually earn a million reward points in a year. And, the best thing is they do not come with an expiry date. So, you can go on and accumulate these reward points and redeem those years later to finance a mega-budget dream.
You’ll also love:
- Fuel surcharge refunds on spends at all fuel stations
- Flexibility to choose your Reward Plans to match your lifestyle
You get an Amazon gift voucher worth up to Rs. 1,000 on bank approval of your Credit Card!
Let’s face it, annual fees on Credit Cards are annoying. We are already paying a big chunk out of our salary every month as EMI. On top of that, a ridiculously high annual fee? No way.
If a no-nonsense Credit Card is what you are looking for, you should check the HSBC Visa Platinum Credit Card. To put things in perspective, it comes with a zero annual and joining fee.
- Get 3X rewards on spends on dining, hotels and telecom categories for 12 months
- Up to 15% discount at 700+ restaurants across major cities
- 10% cash back on all spends during the first 90 days from the date of card issuance, subject to a minimum spend of Rs. 10,000 and a maximum cashback of Rs. 2,500
This Credit Card is a divine gift for those who check their calendars only to look for holidays. The Jet Airways IndusInd Bank Voyage American Express Card is designed to have your back whether you go backpacking across Europe or seek out adventurous terrains in Utah.
With discounted airfares and accelerated rewards on Jet Airways, this card is all that you will need for your next trip abroad.
- Complimentary Lounge Access through American Express
- 6 points/100 spent on Jet Airways on weekdays
- Complimentary travel insurance including lost baggage protection of Rs. 1 lakh
Ready to Roll?
When it comes to Credit Cards, there is no dearth of possibilities that you can explore. The more you look, the more you find. So, go ahead, stretch your arms a little and take your pick.