The best Four Credit Cards for you this Festive
Season..
By Mr.Rajiv
Raj, Creditvidya.com
Beginning
October 1, the festive season begins.
First
comes Navratri, then Dussehra, Diwali, Christmas, New Year and Pongal.
Use these
credit cards responsibly to double your festive joy.
When it
comes to credit cards, the options in the market are huge. All the major banks
of India offer a number of credit cards, which they want to sell to the
customers with their relentless marketing.
A credit
card, if used smartly, can be a great financial instrument that not only builds
your credit score, but also provides huge advantages over spending cash.
However,
out of so many options in the market, choosing the right credit card can be a
bit tricky.
There are
a number of things you should see when you select a credit card. The first
thing is the usage.
If you
like to use your credit card for shopping, then you may want to select a credit
card which offers you the maximum cash back.
Titanium
and gold cards are especially chosen by those users who have high fuel
consumption and so on.
Secondly,
you will need to check the interest rates charged on credit cards offered by
different banks. The interest rate varies from card to card and bank to bank.
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| Mr.Rajiv Raj, Creditvidya.com |
It is the
monthly amount that will be charged by the banks. The best thing to do is to
compare different credit cards to find out the one with lowest interest rate.
The third
most important thing to look for is the annual fees on the credit card. The
annual fee is charged by the banks to renew your credit card every year.
Here is
the list of a four credit cards you can pick from this month.
ICICI Instant Platinum Card:
For first time users
Citi Bank Cash back Credit Card:
For those who love cash backs
For those who love cash backs
HDFC Solitaire Credit Card:
The perfect card for urban women
The perfect card for urban women
HDFC Moneyback Card:
For online shoppers
For online shoppers
Rajiv Raj Co-Founder & Director at CreditVidya.com
The
author Mr.Rajiv Raj is a credit expert with 10
years of experience in personal finance and consumer banking industry and
another 7 years in credit bureau sector. Rajiv was instrumental in setting up
India's first credit bureau, Credit Information Bureau (India) Limited (CIBIL).
He has also worked with Citibank, Canara Bank, HDFC Bank, IDBI Bank and
Experian in various capacities.
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