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If you are new to the world of credit cards, then all of it might seem a bit confusing to you. After all, you will come across a wide variety of options, many features, benefits etc. In addition, there are plenty of banks that also offer credit cards – which only end up making things difficult for you. So, what do you do? How can you get your hands on the best credit card for beginners? Don’t worry, we have got your back.
In this blog, we will help you understand what are the best credit cards for beginners in India, why you should get them, the various pros and cons of getting a credit card and more.
Which is the best credit card for beginners in India?
You are probably aware that banks are always eager to sell you a credit card. But before you apply for one, make sure you are well aware of all the benefits, features, EMI, and interest rates – everything that you must know about the card. Getting a credit card with incomplete information is never advisable.
Now, coming to credit cards for beginners, we think you should certainly go for the Airtel Finance credit card. Want to know why you should get it? Here’s a list of some of the most attractive benefits you can get from it.
Benefits of the credit card from Airtel Finance that make it the best for beginners:
Rewards and cashback
The card offers rewards points on all purchases made using the card, which can be redeemed for a variety of options including cashback, gift vouchers, and more. You can get up to 25% cashback on recharge of Airtel mobile, Wi-Fi, and DTH payments (applicable only while using the Airtel Thanks app). In addition, you will get up to 10% cashback for making purchases on Zomato, Swiggy and Bigbasket.
Fuel surcharge waiver
The card offers a 1% waiver on fuel surcharge at petrol pumps across India. Therefore, this can prove to be a welcome relief for you when rising fuel costs get worrisome.
Airport lounge benefits
You get access to domestic airport lounges 4 times a year, which is incredible as well! So, get your bags packing and travel along!
Voucher on 1st transaction
Complete your first transaction with the credit card from Airtel Finance and get an eVoucher from Amazon worth ₹500!
There are plenty more benefits associated with the Airtel Finance credit card. Like what you see? Download the Airtel Thanks app and apply for it today!
Understand how credit cards work
If you are a beginner, then it is also important to understand how the world of credit card works. When you use a credit card to make a purchase or withdraw cash, the lender pays the merchant or ATM on your behalf. The amount of the transaction is added to your credit card balance, which you will need to repay in full or in minimum monthly instalments. How you pay back your outstanding amount depends on your credit card terms.
You will receive a monthly statement from the lender detailing your credit card activity. This can also include any purchases or cash withdrawals made during the month, as well as any applicable interest and fees.
Now, you can choose to pay off the full balance on your credit card each month. In such cases, you will not be charged any interest. However, if you do not pay off the full balance, you will be charged interest on the unpaid balance. The interest rate on a credit card is known as the annual percentage rate (APR).
It is important to use credit cards responsibly and pay off your balance in full each month. This will help you to avoid incurring high-interest charges. Failure to pay off your balance can damage your credit score. Therefore, it could get harder for you to obtain credit in the future.
Benefits of having an Airtel Finance credit card
Here are some benefits associated with a credit card:
- Credit cards are extremely easy to carry around and simple to use. It is certainly much better than carrying a lot of cash in your wallet all the time.
- In case of credit card fraud, you have limited liability as a user. Therefore, they are much safer.
- You can use credit cards when there is a financial crunch.
- They also come with plenty of rewards, cashback and offers, which help you earn even when you spend money.
- You get plenty of freebies, airport lounge access benefits and more with credit cards.
Therefore, getting a credit card is always a good idea. Choose the credit card from Airtel Finance and make your life simpler!
