SBI, Axis To HDFC, How To Get A Credit Card With Best Benefits

Apr 16, 2023 Rajeev Kumar

Getting a credit card with higher limit and best reward benefits may not be easy for all. Here are some tips to help you get the credit card you want.

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If you hold an active salary account with a bank, approach them for a credit card.

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Your salary account bank may have a pre-approved credit card offer for you which you can avail of with minimal paperwork.

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If you are not interested in the credit cards that your bank offers, scout online for credit card deals that other banks are offering.

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Compare various credit cards and check the offer that matches your requirements and apply for it online.

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If you are a non-salaried applicant, the process may be trickier for you.

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For non-salaried, the bank may ask you to pledge an FD as collateral. You may be offered a card with a spending limit of up to 90 per cent of your deposit.

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Another way to have a credit card is by getting an add-on card through a family member’s credit card.

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The add-on card carries a unique number and is attached to the primary credit card holder’s account, with which it will share the spending limit.

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When it comes to credit cards, banks pay special attention to your credit score when reviewing your application.

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Before applying for a credit card, check your credit score and work on improving it if it is low.

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