Best of Credit Cards, Personal Loans, Car Loans and Home Loans – Dec 2018

By BankBazaar | December 25, 2018

2018 is almost at an end. If you’re looking to kick-start your Christmas shopping or get your finances ready for the New Year, now is the perfect time to do it!

It’s time to bid farewell to 2018 and bring in a brand new year full of possibilities and potential. Whether your finances were down in the dumps or up among the stars during the year, there’s no reason why you can’t put things right or up your financial game over the next 12 months.

December, however, is also the time to make the most of year-end sales and discounts, finish up your Christmas shopping and get ready for a New Year’s Eve bash like never before. So, if you’re looking for some great Credit Card, Personal Loan, Home Loan, and Car Loan offers to get you going, then you’ve certainly come to the right place.

Additional Reading: 5 Handy Tips To Manage Your Personal Finance Better

Here are the top picks for the month of December. We’re sure you’ll find something that catches your fancy.

Top Credit Card Offers For December 2018

Shopping for Christmas can certainly take a toll on your wallet. After all, if you have kids, grandkids and a ton of little nieces and nephews, then your shopping list is probably as long as a national highway.

However, with the right Credit Card by your side, you can put a smile on the faces of every single one of your family members and friends and pay the amount back as and when your finances allow you to. In fact, a Credit Card can help you earn rewards, cashbacks and even help you build your Credit Score over the long run.

Here are some fantastic Credit Card offers that can help you take care of your year-end expenses and then some:

  1. IndusInd Platinum Aura Edge Credit Card

  • 4 points per Rs. 100 spent at departmental stores
  • 2 points per Rs. 100 spent on consumer durables
  • 5 points per Rs. 100 spent on dining and books

What You’ll Love: Fuel surcharge refunds on spends at all fuel stations

  1. YES Premia Credit Card

  • 5 points per Rs. 100 spent on supermarket, grocery, and dining
  • 4 points per Rs. 100 spent on retail
  • 25% off on movie ticket bookings via BookMyShow

What You’ll Love: Attractive interest rate starting from 2.99% per month

  1. YES Prosperity Edge Credit Card

  • 6 points per Rs. 100 on retail spends on your birthday
  • 5 points per Rs. 100 on all international spends
  • Up to 4 points per Rs. 100 on online and retail spends

What You’ll Love: Special offers on dining, shopping, travel and more

Additional Reading: 5 Good Credit Card Habits To Acquire In The New Year

Top Personal Loan Offers For December 2018

Do you have a personal emergency that requires immediate financial attention? Or are you looking to consolidate all your debts, or maybe even renovate your house in time for the Christmas holidays? Well, whatever it is, a Personal Loan can sort you out in no time at all.

Making regular monthly repayments towards your Personal Loan is also a great way to ramp up your Credit Score. This will certainly hold you in good stead the next time you need to apply for credit from a lender or financial institution.

Here are some great Personal Loan offers that should bring you a bushel of cheer this Christmas:

Citibank Personal Loan

  • Attractive fixed interest rate starting from 10.99%
  • Balance transfer facility available
  • No guarantor required

What You’ll Love: Zero processing fees if applied through BankBazaar

Ujjivan Small Finance Bank Personal Loan

  • Fixed interest rate starting from 15.75%
  • No guarantor required
  • Doorstep service

What You’ll Love: New-to-credit customers are eligible

HDFC Bank Personal Loan

  • Attractive fixed interest rate starting from 10.99%
  • Balance transfer facility available
  • No guarantor required

What You’ll Love: Conditional pre-closure after 1 year

Additional Reading: 6 Ways To Foolproof Your Personal Loan Application

Top Home Loan Offers For December 2018

With the Christmas holidays right around the corner, what could be better than getting out of your tiny apartment and into a house of your own where you can wind down the year with family and friends in absolute comfort? After all, who wouldn’t want to be king of their own castle right? Think of all the space you’ll have without having to worry about pesky landlords bugging you for rent every month.

If that sounds appealing to you, here are some great Home Loan offers that we’ve put together:

Karnataka Bank Home Loan

  • Attractive floating interest rate starting from 8.6%
  • No guarantor required
  • Balance transfer facility available

What You’ll Love: No pre-closure and part-payment fees

PNBHFL Home Loan

  • Attractive floating interest rate starting from 9%
  • No guarantor required
  • Balance transfer facility available

What You’ll Love: No pre-closure and part-payment fees

Additional Reading: 6 Smart Ways To Manage Your Home Loan EMIs

Top Car Loan Offers For December 2018

If you’ve been commuting to work all year in crowded buses or haggling with irate auto drivers to get you from point A to point B for a princely sum, well then it’s time you got yourself some wheels of your own.

Think about it! You won’t have to depend on anyone else to go places and you can travel within the city or even take road trips with your buddies in absolute comfort. Nothing really beats motoring down the highway with the wind in your hair and your favourite tunes on the radio.

And to make that daydream a reality, here are some fantastic Car Loan offers that should help you shift up a gear or two:

HDFC Bank Car Loan

  • Attractive fixed interest rate starting from 8.85%
  • Top-up loan facility available
  • Part payment option available

What You’ll Love: No guarantor required

Capital First Used Car Loan

  • Attractive floating interest rate starting from 13.50%
  • Top-up loan facility available
  • No guarantor required

What You’ll Love: Loan to value ratio up to 90% of car cost

Additional Reading: Your Car Loan EMI Calculator Guide

Looks like you have all you need to end the year on a high. If you’re looking for more financial products to make the most of 2019 then you’ve certainly come to the right place. Have a great Christmas and a happy New Year!

All information including news articles and blogs published on this website are strictly for general information purpose only. BankBazaar does not provide any warranty about the authenticity and accuracy of such information. BankBazaar will not be held responsible for any loss and/or damage that arises or is incurred by use of such information. Rates and offers as may be applicable at the time of applying for a product may vary from that mentioned above. Please visit www.bankbazaar.com for the latest rates/offers.
Category: Money Management

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