Hey, how are you doing? In this article we will discuss about the best credit cards to apply for
Most of us think having a credit card could make us financially weak as we will have no limit for spending through credit card, but that is not true
Generally if we go to a shopping mall or searching for something online we do not care about spending online or purchasing products through stores
Which not only happens with having a credit card this could happen with the benifit of the product or based on your need
The best two cards to apply for in India today are
- SBI credit card
- ICICI credit card
What is the use of having a credit card?
The most usual thing is you do not have to borrow money from someone when you need money
Credit cards do not charge any interest on spent amount for one month
If you take money outside you definitely have to pay interest to the person or a company
If you have a credit card you can spend as much as you want based on your credit card limit and pay on time next month
In return you are getting reward points to shop for gift cards and you can use those gift cards to shop online
Having a credit card could increase your credit score
What is credit score?
If you are working for any company and maintaining a good transactions at bank your credit score would be good
Only then we can apply for a credit card
Maintaining good credit score is possible with maintaining good transactions at bank but using a credit card could double the chances in increasing credit score
Which helps us in greeting loans from trusted banks at low interest rates
If you do not maintain good credit score you will evantually lose an opportunity to get the loans at low interest rates
You might get loans but you need to pay huge interests to the company
Any additional advantages for using credit cards?
Stop using debit cards for shopping online or purchasing products online, start making transactions through credit card when there is an option
When a bill is generated you can pay the amount using your debit card or bank account
If you pay through CRED APPLICATION you will save a lot and in return you will get the cashback
If you are making transactions through credit card every month and paying it on time, you will also rewarded from credit cards
You can redeem those points against gift cards
Two best credit cards to apply for:
1. SBI credit card
This is the most trusted credit card in India and you can join for free
All the mentioned benifits are available with this credit card
Steps to apply:
Click on button above to proceed applying for SBI credit card and hit apply now button once you are on credit card home page
You need to fill in all required information to get the limit on the next screen with a new credit card
Wonderful, you now have successfully applied for a new SBI credit card
2. ICICI credit card
Most trusted credit card with zero joining fee and easily enables an option to increase credit card limit once you start making transactions through it
All mentioned benifits are available with this credit card
Steps to apply:
Click on button above to proceed applying for ICICI credit card and hit apply now button once you are on credit card home page
You need to fill in all the information to get a new credit card with a limit
You are salaried choose salaried option to continue further
If you are self employeed choose Self-employeed option to continue further
Once done enter your phone number DOB and agree to the terms and conditions
Amazing, you have now successfully applied for ICICI credit card
Benifits of applying for credit card online?
If you are new to credit card and want to apply offline, an executive will take all your information and fill in the application from his side
We never know what is going to happen next
Some times they do not call us back after taking our information offline
Which will create a confusion and we do not have an option what to do next
My suggestion always would be to go ahead and apply for a credit card online
Generally we are filling all the information on the website and checking the eligibility instantly
If we are eligble to get a new credit card it will give us the information right information
If there are any hidden charges or something offline people do not let us know
If we are applying online everything will be shown on the screen and we can take care our decision and contiune our credit card journey
Let someknow who needs a credit card by sharing this article with them
They can be benfited with the information provided in this article
Enjoy the benifits of having a credit card
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