Credit cards helps the user to purchase the goods and services without the risk of carry the money with them. When the purchase is made, the Credit card holder gives the card to the seller. The seller swipes the card and feeds the secret PIN number as told by the card holder. After the end of each month the card holder is provided with a statement sent from the Authority providing the details of the transactions made by the user during the month. It also provides the information about the exact date of payment of the dues. The company usually provides the customer a grace period of 20 to 40 days depending upon the amount of credit card issued by the organization. There are various type of organization that provide the credit cards like SBI,ICICI, HDFC,ABN-AMRO etc. The company that issues the card usually charges a certain amount of interest on the amount of total purchase made by the user.
The Credit card provide various kind of benefit to the user. It allows the user to get the short term loans within a small period of time depending on the fact that the total charges are not higher than the maximum credit limit of the card. Moreover it reduces the risk of carrying the liquid cash in order to purchase the goods
HDFC Credit cards also provide several kinds of benefits to the users. In order to the satisfy the different needs of the different customer they have designed their credit cards into various categories.
They have cards like Classic Cards,Special benefit Cards, Premium Cards and Commercial Cards. In the head of of Classic Cards there are different cards like Silver Credit, Value Plus, Gold Credit Card, Titanium, Women Gold, Platinum Plus, Visa Signature, World Master Credit Card. The Commercial Cards are also subdivided into several parts like Corporate Credit Cards, Corporate Platinum Credit Card, Business Credit Card etc.
Like other credit cards ABN-AMRO credit cards provide the user the power to manage the all the finances of them. The ABN-AMRO Freedom credit cards provide different kinds of benefits like it reduces the prices of petrol at the time of making the payment. Through the use of this card the user can earn bonus points. As per the rules the customer earns one bonus points for making a purchase of more than Rs.100. This bonus points can be exchanged later on with an exciting gift hamper. It has also got different variety of cards to satisfy the demand of the different strata of the customer. The different cards are Platinum Card, Make My Trip Card,Smart Gold Card etc.
So the Credit cards provide different benefits to the different people and in this busy life every body should have the access of the cards in order to make their life more speedy
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The Credit card provide various kind of benefit to the user. It allows the user to get the short term loans within a small period of time depending on the fact that the total charges are not higher than the maximum credit limit of the card. Moreover it reduces the risk of carrying the liquid cash in order to purchase the goods
HDFC Credit cards also provide several kinds of benefits to the users. In order to the satisfy the different needs of the different customer they have designed their credit cards into various categories.
They have cards like Classic Cards,Special benefit Cards, Premium Cards and Commercial Cards. In the head of of Classic Cards there are different cards like Silver Credit, Value Plus, Gold Credit Card, Titanium, Women Gold, Platinum Plus, Visa Signature, World Master Credit Card. The Commercial Cards are also subdivided into several parts like Corporate Credit Cards, Corporate Platinum Credit Card, Business Credit Card etc.
Like other credit cards ABN-AMRO credit cards provide the user the power to manage the all the finances of them. The ABN-AMRO Freedom credit cards provide different kinds of benefits like it reduces the prices of petrol at the time of making the payment. Through the use of this card the user can earn bonus points. As per the rules the customer earns one bonus points for making a purchase of more than Rs.100. This bonus points can be exchanged later on with an exciting gift hamper. It has also got different variety of cards to satisfy the demand of the different strata of the customer. The different cards are Platinum Card, Make My Trip Card,Smart Gold Card etc.
So the Credit cards provide different benefits to the different people and in this busy life every body should have the access of the cards in order to make their life more speedy
A comprehensive guide to find the best credit cards for your needs
Our favorite cards from our partners and the marketplace
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What makes a credit card the best? The best credit cards on the market come with plenty of perks that you can’t get with any other product. Those special perks can include things like cash-back rewards, travel insurance, and price protection. They can get you free travel, make your life easier with concierge services and better purchase return policies, or boost you into the lap of luxury with exclusive travel and dining amenities. To qualify, you usually need good to excellent credit. Furthermore, if you want to find the best offer for your unique situation, you should conduct some initial research on the best credit card offers in 2016 and what they entail. This guide divides cards into these 4 types below. Click on any one of the links to be taken straight to that section of this guide.
- Credit Cards By Best Offers: The best current promotional offers
- Credit Cards By Card Type: rewards, cash back, business, student, balance transfer
- Credit Cards By Credit Score: from excellent to bad, there are options for everyone
- Full Directory Of All Credit Cards: : search and filter our directory of over 1,600 cards
Rules for Owning the Best Credit Cards
The best credit cards on the market can become valuable tools is harnessed properly. Likewise, they can cause you a world of trouble if not handled correctly. The following rules are designed to help you avoid a number of perils while helping you maximize all of the benefits the best credit cards offer:
Rule #1: Treat credit cards like cash
If you don’t have the money to pay for your purchases, it is crucial that you continue saving until you do. If you can’t make your payments in full, you will accrue interest that will cost far more than any rewards you might earn. Only use your credit card if you have the cash in the bank to pay for your purchases.
Rule #2: Auto-pay your bill
One way to make sure your bill is never late is to set up auto-pay on your credit card for a certain day of the month. All of my credit cards are set up for auto-payment. I review my spending every month, but I don’t even have to think about when to pay my bill. It is already taken care of for me.
Rule #3: Interest rates do not matter
Yes, you read that correctly. If you adhere to rules #1 and #2 and pay your balance in full every month and on time, the interest rate your card offers will never matter. The only way interest rates matter is if you don’t pay your bill or if you already have a high balance, in which case I recommend immediately moving to one of the best balance transfer credit cards first.
Rule #4: Annual fees do not matter, up to a point
People constantly ask me how it could ever make sense to use a credit card that charges an annual fee. My reasoning is this – because you can extract a ton of value out of a rewards card, and those rewards are often worth far more than the annual fee. For example, if I spent $50,000 on a card that paid out 2% cash-back in one year, I would earn $1,000 in cash-back rewards. With most rewards card charging an annual fee of around $95, the trade-off is well worth it. With that being said, it’s important to weigh the pros and cons of paying an annual fee. While some cards offer enough value to justify it, others don’t. It’s up to you to do the math and decide.
Here are the Best Current Credit Card Offers
These are the top current offers from popular credit card issuers. The three main credit card offers are 0% APR offers, balance transfer offers, and sign-up bonus offers. We update these credit card offers on a weekly basis to ensure the information is current and that we are showing the best credit card deals.
Sign-Up Bonus
0% Intro APR
Balance Transfer
Many of the elite rewards credit cards offer huge sign-up bonuses for new cardholders after you make a certain amount of purchases within the first 90 days. These point bonuses can be lucrative — some point bonuses can reach 40,000 points or higher, which is equivalent to $400. At times, cash back credit cards and other types will offer extra bonuses for a limited time period. We include the current best credit card offers for sign-up bonuses here.
IHG® Rewards Club Select Credit Card
Card Highlights
- Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
- Enjoy a free night each year of card membership at over 4,900 hotels worldwide
- Earn 5 points for each $1 spent at our hotels
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
- Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
- Automatic platinum elite status, as long as you remain a cardmember
- $0 introductory annual fee the first year, then $49
Club Carlson℠ Premier Rewards Visa Signature® Card
Card Highlights
- Earn 50,000 Gold Points after your first purchase, plus 35,000 points once you spend $2,500 on your card within the first 90 days - that's up to 9 Free Award Nights at Category 1 hotels
- 10 points per $1 spent in eligible net purchases at participating Carlson Rezidor hotels worldwide
- Earn one free night when you charge $10,000 then renew your Card.
- 5 points per $1 spent in eligible net purchases everywhere else
- Club Carlson Gold Status is yours after you activate and use your card
- Please see terms and conditions for complete details
- Net purchases are purchases minus credits and returns
- Subject to credit approval
Chase Sapphire Preferred® Card
Card Highlights
- Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
- 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
- Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
- $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
- 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
- Travel and shop with confidence with premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
- 24/7 direct access to dedicated customer service specialists
- Introductory Annual Fee of $0 the first year, then $95
British Airways Visa Signature® Card
Card Highlights
- 50,000 bonus Avios after you spend $2,000 on purchases within the first 3 months of account opening.
- Plus earn an additional 25,000 bonus Avios when you spend $10,000 on purchases for a total of 75,000 bonus Avios.
- Plus earn another 25,000 bonus Avios when you spend a total of $20,000 on purchases within your first year for a total of 100,000 bonus Avios.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
- In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
- Pay no foreign transaction fees when you travel abroad.
- Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.
Southwest Airlines Rapid Rewards® Premier Credit Card
Card Highlights
- Earn 25,000 points after you spend $1,000 on purchases in the first 3 months your account is open
- Named 2015 Freddie Award Winner for Best Loyalty Credit Card
- NEW - Chip-enabled cards with 24/7 fraud monitoring
- Points Don't Expire, No Blackout Dates, Bags Fly Free®
- 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners
- 1 point/$1 spent on all other purchases
- 6,000 points after your Cardmember Anniversary