In a highly competitive financial market, credit card companies are adding more benefits to their products with the sole purpose of attracting more customers. The continuous conception of financial institutions is also becoming a major hindrance for a company to be on the top.
Hence, you are more than sure to avail the most lucrative credit card offers today than you could a few years ago. Credit cards have now become a vital financial tool to manage monthly budgets and also increasing credit score.
The features provide rewards on almost all transactions that make spending more beneficial.
Here are some of the top offers on credit cards that you must look out for:
- Emergency personal loans
Credit cards of today go beyond their traditional capabilities to offer a loan. You now get the facility to convert your balance credit limit into an emergency personal loan.
Credit cards like the Bajaj Finserv RBL Bank SuperCard provide this facility. You also don’t incur any interest on this loan for up to 90 days.
- ATM cash withdrawal without any interest
You incur a high interest whenever you withdraw cash from ATM with your credit card. However, some credit cards don’t charge you any interest when you do so.
This feature is also one of the many industry-first credit card offers from the Bajaj Finserv RBL Bank SuperCard. You don’t have to pay any interest for up to 50 days when withdrawing cash from ATMs.
Bajaj Finserv also brings you pre-approved offers on credit cards which save you time when availing them. Pre-approved offers are also available on business loans, home loans, personal loans, and a list of other financial products and services. You can check your pre-approved offer by providing only your name and phone number.
- EMI financing
Credit cards usually offer the option to buy white goods, electronic products, furniture, etc. on EMI. Some of the latest credit cards also provide the option to buy groceries and even clothes with monthly instalments along with the items mentioned above.
- Free movie tickets
Opting for a credit card that offers free movie tickets is beneficial if you are a cinephile and love visiting movie theatres every once in a while.
Usually, a credit card offers one movie ticket free when you purchase one. This offer may be limited to once a month and up to a specific amount.
- Fuel surcharge waiver
Purchasing fuel with your credit card is beneficial if you are a regular with your car. You can earn a substantial amount of reward points with such transactions redeemable against several options.
However, such transactions attract a fuel surcharge. You can avoid this fee by opting for a credit card with a fuel surcharge waiver. Credit cards provide a full or partial waiver; the latter is limited to a particular amount per month.
- Complimentary airport lounge access
Airport lounges are no less than 5-star hotels providing amenities like:
- Complementary exotic food and drinks.
- Spas and massages.
- Fitness centres.
- Private spaces.
- Computers, printers, photocopiers, etc.
- Indoor games, etc.
Opting for a credit card with complimentary lounge access enables you to receive all these amenities for free.
- Reward points on online shopping
Credit cards usually provide high reward points when you shop online compared to offline shopping. Some cards offer points when you buy from particular e-commerce sites for specific products.
Similar to reward points, the amount of discount is also high when you shop online with your credit card.
All you have to do is pick a card that matches your monthly shopping needs and preferences.
- Redeem rewards points for travel
Credit cards provide the option to redeem your credit card reward points for gift vouchers, discount coupons, and cashback. Availing the last option gives you a discount on your monthly bill.
A few credit cards also provide the option of redeeming these points to avail discounts on flight tickets and hotel bookings.
Make sure the product you opt for comes with these credit card offers. Also, do check the joining charges, annual charges, and interest rates.