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Applying For Your First Credit Card? Here’s What You Should Know Before Getting One
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If you’ve heard anything about Forex, you’ve probably heard that it’s a quick and easy way to make money. This theory is not entirely wrong. Many people have made money… Are you applying for your credit card? When choosing a credit card, here are five great ways for you to get there, consider your spending habits and the benefits you want to receive.
Applying For Your First Credit Card? Here’s What You Should Know
When you are able to apply for your first credit card, it can be difficult to know which credit card to choose. The best credit card for you depends on your spending habits and the benefits you want to get. To help you choose your first credit card, Paisabazaar has researched and identified five great credit cards that offer great features and spending rewards.
Image Source: ICICI Bank | Amazon Pay ICICI Credit Card 5 percent cashback on Amazon for PRIME members, 3 percent cashback on Amazon for non-prime members, return transactions on flight reservations, recharges, bill payments, gift cards and spending on Amazon Pay partners Offers 2 percent cashback on 1 percent cash back on merchant and other transactions. This is a lifetime free credit card.
Image Source: Axis Bank | Axis Bank Ace Credit Card offers 5 percent cashback on service payments made through Google Pay. It offers 4 percent cashback on Swiggy, Zomato and Ola, 2 percent cashback on all others. Apart from cashback on spend, the cardholder gets 4 home stays and up to 20 percent off at 4000+ partner restaurants in India during the year. The annual fee on this credit card is Rs 499.
Image Source: SBI Card | SBI SimplyCLICK Credit Card offers Rs.500 Amazon gift card on signup, 10X rewards with partners including Amazon, Cleartrip, BookMyShow, Lenskart, etc., 5X rewards on all apps Internet and 1 percent on fuel bill. The annual fee on this credit card is Rs 499.
How To Get Your First Credit Card
Image Source: Axis Bank | Flipkart Axis Bank Credit Card offers 5 percent cashback on purchases on Flipkart and Myntra, 4 percent cashback on Cleartrip, Cure.fit, PVR, Swiggy, Uber, etc. and 1.5 percent cashback on money across all other sectors. is Apart from cashback on spend, the cardholder gets 4 home stays during the year, up to 20% off at 4000+ partner restaurants across India and 1% off on petrol. The annual fee on this credit card is Rs 500.
Image Source: HSBC Bank | The HSBC Cashback Credit Card offers 1.5% cashback on online spend (excluding wallet reloads) and 1% cashback on other purchases. Apart from cashback on spend, the cardholder gets 3 domestic and international stays during the year and 15 percent discount on meals at partner restaurants in major cities. The annual fee on this credit card is Rs 750.
Be disciplined in your credit behavior and build a strong credit standing. Once you get your first credit card, it’s important to use it wisely and responsibly. Because credit cards offer a long interest-free period, there may be a tendency to overspend on multiple purchases. Avoid spending too much to cancel rewards, cashback and annual renewal fees. If you spend more than you can afford and can’t pay off your credit card on time, you’ll be charged 28% to 49% p.a. will face heavy interest charges of up to Plus late payment fees.
MoneyBazaar has listed the best credit cards based on the rewards, features each card offers, versus their annual fees. All credit card information available and updated as of January 20, 2022. We’ve ranked these entry-level credit cards by annual fee.
Everything To Know About Getting Your First Credit Card
Heeral Thanewala is a financial journalist with 9 years of reporting experience. Based in Mumbai, he covers the areas of financial planning, banking and fintech from personal finance team.Credit cards have the power to be your best friend or worst enemy. If you’re not careful, they can lead you into debt and bad credit, but if you use them wisely, they can help lead you to a better financial future. And the benefits can go even further. Many credit cards offer cash back rewards, travel miles, or other benefits. To help you get started on the right foot, here are some important things to know about your first credit card.
Different cards work better for different people based on their needs. Some cards offer bonuses that can give you cash or airline miles; Some have low profits; Some may require an annual fee while others do not. It all depends on what works for you and your lifestyle. The best way to find the right cards for you is to compare them to each other, so you can see how they stack up.
In the past, most lenders offered access to loans to applicants as long as they were employed and had no bad or delinquent credit history. Today, lenders prefer people with good or very good credit scores (above 670). Good news? You can start building good credit now by getting a card and using it properly.
Credit cards are convenient because they allow you to buy now and pay later, but that’s also their biggest flaw. If you’re not careful, it’s easy to get into debt due to overspending on a credit card. This is because when you use a credit card, it doesn’t feel like you’re using real money—it feels like playing a game or using Monopoly money because it’s yours at the time. Does not come out of the wallet. Another way to avoid overspending is to make a budget and stick to it.
What To Know About Credit: What Was The First Credit Card?
You may be charged an annual fee by some credit card companies, especially if they offer cash-based rewards (such as airline miles). If you’re worried about paying an annual fee, look for cards with no annual fee or rewards programs that waive the fee after a few months. Also, remember that like debit cards, there are often additional fees for things like ATM withdrawals and international transactions. You’re there, but have you arrived? Many young people think about this question every day. Whether you just graduated from high school or are heading out of a graduate program into marriage and a new family,
And InTouch Credit Union are here to help you prepare for ‘adulting’.
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