Credit cards have become one of the most preferred modes of payment in today’s time. They offer a higher spending power and other interesting credit card features that draw people towards them. While there are various credit card offers to benefit from, such as cashback, discounts, rewards, and more. However, even long-term credit cardholders are often unaware of all of them, meaning that credit cards aren’t being used to their best potential.
How to get the best credit card features?
Credit cards have eased our way of working. Not only have they paved the way for easy transactions, but they also allow better incentives. However, getting the best credit card features has always been challenging, especially with the availability of so many options. Therefore, it is essential to consider the basics and choose a card that suits all your needs.
Here are some of the best tips to get the best credit card features:
Choose your card wisely.
The right credit card can have a huge impact on your spending, as well as your savings. Most credit card lenders today provide a wide range of features and benefits. For instance, the Bajaj Finserv RBL Bank SuperCard offers many benefits such as effortless EMI conversion, quick availability of emergency advance, ATM cash withdrawal with zero interest, huge annual savings of up to Rs. 55,000, etc. But the best part? You can get easy card approval instantly.
Pay on time.
If you opt to pay your high-end purchases as EMIs, make sure to pay it on time. Credit cards are amazing tools to improve your credit scores, which, in turn, affect your eligibility to get loans when you need them. You must also pay your dues before the due date to avoid getting higher interest rates.
Timely payment of credit card bills also enables you to enjoy various credit card offers. The best way to never miss the due date is to automate the payment cycle. Even if you forget to pay on time, your bank will not!
Check for rewards and offers often.
The biggest driving factors for the popularity of credit cards are the rewards. Before choosing a credit card, it is always advisable to check the bonuses and offers the card offers as it can play a pivotal role in boosting your savings. The Bajaj Finserv RBL Bank SuperCard provides the benefit of redeeming points from over 90,000 EMI partners. You can further use these reward points to get movie tickets, fuel surcharge waivers, and discounts on buying products online.
Pay off your higher-interest debts.
Paying off all your outstanding higher interest debts can be highly beneficial in the long run. Bad debts can often lead to bad credit scores. Eventually, bad credit scores may restrict you from availing of attractive credit card features.
If you want the best credit card offers, it is always a good idea to pay off all your outstanding debts and the best way to do that is by staying on track. Whenever you are paying off the debts, pay the ones with higher interest rates first. This makes it easier for the cardholder to get the best credit card features.
Shop smartly.
Being smart while shopping will have a positive impact on your ability to enjoy credit card features. The more you use the credit card, the higher your credit scores become. However, it is essential to be mindful of the amount that you’re spending. With credit cards it is very easy to end up spending way more than intended. You can avoid that by setting a budget and sticking to it. If you’re careful about using credit cards and making the right decisions, you get various credit card offers.
Utilize the credit card best during promotional and seasonal offers.
Make the most of your credit card during promotional and seasonal offers to get the best credit card features. As the utilization rate and credit score increase, the features increase too. When you use your credit card during seasonal offers, you can get extra cashback and discounts. You may also receive higher reward points. Simply make sure to redeem the reward points before their expiry.
Convert into EMI.
If you have recently made any high amount purchase, you can easily convert it to EMI with Bajaj Finserv RBL Bank SuperCard. This is one of the best credit card features you can avail of in SuperCard. Once you convert your high-end purchases into EMI, it becomes straightforward for you to pay off the loan. Moreover, the processing fee reduces too.
