How to choose the right credit card – HDFC

Credit cards have grown in popularity as a handy and popular method of paying for products and services. If you use your credit card responsibly and pay off your balance in full before the due date, you can enhance your credit score. You may also take advantage of fantastic discounts, cash-back, and good offers that are frequently available. On EMIs, credit cards may also be used to purchase pricey items/white goods (equated monthly installments). Credit cards can also be used in emergency situations where money is needed quickly. Credit cards provide an interest-free period of up to 45 days and are handy for both online and offline transactions.

What is your way of life like?

Credit cards are not only a useful financial instrument but also a fashion statement.

If you fly frequently, for example, a co-branded airline credit card, such as the HDFC Bank Credit Card, is a good choice. With features like free lounge access, priority boarding, and more, such a card will make your trip easier and more enjoyable. You may also earn miles that can be exchanged for free flights.

If you entertain frequently, dine out, or mingle, choose a card that provides a better dining experience as well as more rewards and savings at restaurants.

Choose a credit card that matches your lifestyle and provides you with the most rewards and advantages for the activities you participate in.HDFC Bank offers a variety of co-branded and customized cards to suit a variety of lifestyle requirements.

What characteristics are you looking for?

Credit cards provide a variety of benefits that might make life easier for you. Many HDFC Bank Credit Cards, for example, have benefits like automatic utility bill payment, Easy EMI, welcome bonuses, no liability for lost or stolen cards, fuel fee waiver, and insurance coverage. So, before you pick a card, compare the attributes of each one.

What is the maximum amount you are willing to pay?

What is the cost of your credit card?
Examine the various fees associated with various cards:

Annual fees: Most credit cards include an annual fee, which is usually waived if you meet certain spending requirements.When you utilize revolving credit, you will be charged interest by the bank (carrying your outstanding amount beyond your due date)

Late payment and over-limit fee: The bank may charge you a late payment fee if you pay your balance after the due date or go over your credit limit.

Cash withdrawal fee: Using your Credit Card to withdraw money from an ATM incurs fees and interest.Every card has a monthly credit limit. If you want to use your card for a lot of things like travel, food, and entertainment, you should choose one with a bigger credit limit.

Choose a card with a smaller credit limit if you use your card seldom.

You now know how to pick the best credit card; learn more about how to use your credit card responsibly.


As a result, you must first determine your individual credit card requirements before checking the credit card’s criteria. Check the fees, charges, payment choices, and all available offers on the card in the card’s specifications and make an informed selection based on all of these elements. At the very least, you should have two credit cards (with separate billing cycles): a Visa and a MasterCard.

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