Credit cards have been around for a while, but the dust around it never seems to settle. The facts that they're convenient to use and that you can pay for things even if you don't have cash right now are the biggest selling points of credit cards. But credit card companies go beyond these when trying to convince customers that theirs is the best credit card in India.
Credit card companies try everything when wooing customers. Some of the most common tactics used are these:
- Points – A certain number earned every time you swipe
- Zero percent interest – No interest on balances
- Family spends – Vacations, schools, gifts
- Smart advertising – Illusion of attainable luxury
While some of these benefits may be genuine, a good many of them are not of much use to most people. But even if you have the best credit card in India, you can't skimp on paying your dues on time. Even a small lapse on your side can send you spiralling down a deep hole of credit card debt.
That being said, it is worth your while to do some research to decide which credit card is best in India. Here are the top 5 we came across when determining which one is the best credit card in India 2015.
- ICICI Bank Coral Credit Card
This is a card which deserves the title of 'best credit card in India.' With special offers on joining and annual fees, this card offers many advantages for basics like grocery shopping with 4 payback points for every INR 100/- This is along with 2 free movie tickets every month at bookmyshow.com.
- RBL Bank Platinum Maxima Credit Card
Another prime contender among the best credit cards in India, this card has no joining fees at all, although the renewal fee is a hefty INR 2000/- This card is quite open handed with points, at 5 points for every INR 100/- spent on essentials like fuel, utility, shopping, dining, travel, and entertainment.
- ICICI Instant Platinum Credit Card
With no annual or joining fees, and approval even if you don't have any credit history to speak of, this is the ideal and safe option for a first timer. It offers a waiver of 2.5% fuel surcharge up to INR 4,000/- at HPCL pumps, and an INR 100/- discount on 2 movie tickets at bookmyshow every month. The only catch is that it requires that you have INR 20,000/- in a Fixed Deposit, locked away for at least 180 days.
- Indian Oil Titanium Citibank Credit Card
As the name indicates, this is the ideal card for you if you rack up significant fuel bills every month. The card offers up to 4 points on every Indian Oil purchase of INR 150/- Besides these, you can also earn points on purchases from ecommerce sites like Amazon, Myntra, Jabong, etc., which you can redeem for free fuel.
- HDFC Titanium Times Credit Card
If you and your family spend every weekend on movies, dining, and entertainment, this card is tailor-made for you. With only INR 500/- as joining and annual fees, this card offers a cool 25% discount on movies and a 15% discount on select restaurants. There are also gift vouchers for shopping, dining, and more.
Choosing the right credit card for you should depend upon your needs and your ability to pay the associated fees. Once you know exactly what you want, selecting the best credit card in India for your particular requirements should be a breeze, especially with us to help!
Top 10 Tax Saving Mutual Funds to invest in India for 2016 or Best 10 ELSS Mutual Funds in india for 2016
1. BNP Paribas Long Term Equity Fund
2. Axis Tax Saver Fund
3. Franklin India TaxShield
4. ICICI Prudential Long Term Equity Fund
5. IDFC Tax Advantage (ELSS) Fund
6. Birla Sun Life Tax Relief 96
7. DSP BlackRock Tax Saver Fund
8. Reliance Tax Saver (ELSS) Fund
9. Religare Tax Plan
10. Birla Sun Life Tax Plan
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