How To Get The Ultimate Free Credit Card

 How To Get The Ultimate Free Credit Card

To say credit cards have changed the way we view spending would be an understatement. These little three-inch-long pieces of plastic have brought about a profound change in the way we spend money. They have helped us break free from the limitation of carrying cash around and made the world a much smaller place. 

Credit cards have also come a long way from the 1980s when they were first introduced in India. Earlier, applying for a credit card was a hassle, a daunting task that most people preferred to avoid. But today, a free credit card is simply a few clicks away.

If you have been contemplating getting a free credit card online, read on to find out how you can get the ultimate free credit card without breaking a sweat!

  • First things first.

Sit down and make some notes. Use your bank account statement and take a look at your spending habits. This will help you in two ways. First, this information, in tandem with your income, will help you it will help you figure out the credit limit that is best suited for your monthly expenditure. Secondly, analysing your spending behaviour will help you choose the right type of card for yourself. Nowadays there are a variety of credit cards that are designed to specifically cater to various needs of the users. Right from free credit cards that are great for travel, to fuel and entertainment – you name it, there’s a card out there tailored for your needs. 

  • Shortlist a few options. 

Once you figure out the kind of benefits you want your free credit card to offer, shortlist a few options. Now, even if you are opting for a free credit card, there is always going to be some kind of cost involved. Free credit cards usually mean that you won’t have to pay a joining fee. However, you will still be liable to pay the annual renewal fee and of course, your credit card bill at the end of each billing cycle. After you have shortlisted a few credit cards, compare the options vis-à-vis their annual fees and eliminate the ones that don’t fit your bill of requirement. 

  • Check the interest rates.

If you fail to pay your credit card bills on time, interest is charged on the outstanding amount. This interest is known as credit card interest or a finance charge. And while the recommended thing to do is to pay your dues, in full and in time, it is super important to know what kind of penalty your credit card issuer will levy on the chance occasion when you miss the due date. Credit card interest rates differ from issuer to issuer. They can also be different for different products offered by the same issuer. 

  • Make sure you are eligible. 

Even when applying for a free credit card, you have to make sure that you meet the eligibility criteria set by the credit card issuer and you have all the required documents ready to support your application. These eligibility criteria vary with the issuer, but the basic requirements remain the same:

  1. Age: between 21-70 years
  2. Income: regular source of stable income.
  3. No defaults in payment of dues.
  4. A credit score of 750 or higher.
  • Look for cards with instant approval.

Gone are the days when you’d have to anxiously wait for your credit card application to be approved. Today, when you apply for a free credit card online, your application can be approved instantly. Just like the Bajaj Finserv RBL Bank SuperCard which can be availed online in just a few steps. Simply submit all the required documents, supporting your eligibility and credit card application and your application will be instantly approved. There you have it, a sure-shot way to obtain the ultimate free credit card online, in just a few easy steps. Getting a credit card is now easier than ever! 

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