Many people spend a pile of rupees in cash when they buy products or use various services. However, do you get anything in return from which you could benefit in one way or another? The answer is a big no. If they had made these payments with credit cards, they could have earned some attractive cashback offers, reward points, and discounts on purchases, etc. Now let’s take a look at how to find the right credit card that fits your lifestyle.

Find the Right Credit Card that Fits Your Lifestyle

1. Compulsive Buyers

There is a category of people who love to buy different items online. These people also use their credit cards to order their food. They spend a good amount of money each month to buy various household items online. This group of people would like to have a credit card that they can use to get cashback for certain transactions, which they can later use for other purchases. In this way, they tend to save money.

Credit cards such as the ICICI Bank’s Coral Credit Cards offer Payback Points for buying food and groceries over a certain limit. Cardholders can earn up to Rs 10,000. Payback points are available every year for such purchases. This card offers the opportunity to earn 50% more bonus points when you use it online. In addition to these Payback reward points, this card also offers you other attractive benefits.

How You Can Find the Right Credit Card that Fits Your Lifestyle?

2. Business and Other Travellers

Business people have to travel a lot to promote their business and other activities. These trips can be both within India and abroad. A credit card that offers reward points in the form of airline miles or hotel discounts can be useful for such people. For frequent travelers, it is better to have a separate credit card for booking airline and train tickets.

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Credit cards such as the Axis Vistara Signature Credit Card or the Standard Chartered Yatra Platinum Card can be useful for such people. These credit cards are “co-branded” credit cards that offer reward points when purchasing airline or train tickets. The Axis Bank credit card also offers a premium economy flight ticket as a welcome gift. These credit cards also give you access to airport lounges throughout the country and abroad. You can also use these cards to get discounts when booking hotels.

3. Young People

Students and other young professionals like to use credit cards for almost all kinds of purchases, offline or online. These groups of people are those who use credit cards for online food orders. They also love to use their credit cards to buy movie tickets online. Such people would like to have credit cards that offer discount coupons for food purchases. They would also like to get discounts on movie tickets.

Many credit cards are aimed at these groups of customers. The use of such cards entitles you to receive discounts in selected restaurants. Such credit cards also offer privileged membership in premium and luxury retail stores in shopping malls. Some of these credit cards offer free movie tickets and tickets to amusement arcades, amusement parks, and other entertainment venues.

4. The Regular Office-Going Professional

Professionals who go to the office every day use their bicycles and cars to get to the office. They spend a lot of money on fuel. A significant proportion of these people use credit cards to pay for fuel at petrol pumps all over India. Wouldn’t they like to have a credit card that gives them advantages when filling up their cars?

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Yes, you have various credit cards on the market that offer reward points for filling up your vehicles at certain service stations throughout the country. These cards also offer a complete waiver of the fuel surcharge. Cardholders can use these bonus points to refuel for free. If you use such credit cards correctly, you can receive up to 75 to 100 liters of free fuel every year. Considering today’s fuel costs, this advantage is attractive.

5. E-Commerce Customers

Many people in India love to buy various products such as TVs, refrigerators, air conditioners, and so on online through prominent e-commerce retailers such as Amazon, Flipkart, and so on. These e-commerce giants have worked with several banks to promote the use of these cards for online purchases. You will receive attractive discounts and cashback offers when using such credit cards. You can also receive loyalty points from the e-commerce retailers that you can redeem later. Such credit cards also offer facilities such as 0% EMI and other benefits. In the end, you can save a lot of money through the interest on such credit cards.

Final thoughts

We have seen several credit cards that offer a variety of benefits in different categories. You would not have been able to receive these benefits if you had paid for your purchases by cash or cheque. Therefore, credit cards are useful because they give you the convenience of shopping now and paying later, and also offer a number of incentives for using the cards. Learn how to find the right credit card to suit your lifestyle. To learn more about credit cards, follow this link.

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