The emergence of credit cards in India as one of the essential financial tools have helped people and made the lives of users easier.

Nowadays, if you apply for credit cards, you may find lenders offering you multiple credit card features. Hence, the key step is selecting the best credit card to match your spending and lifestyle.

In the same context, here is a quick post that will help you know about the best credit card features that can make your life easier. Want to know more? Read on!

Credit card features that can make your life simpler

1. Flight ticket

There are many credit cards in India each suiting a need and spending pattern of a customer. If you are a frequent flyer, you should go for a credit card that can offer your air miles. You can redeem such air miles later for a free air ticket. Some lenders may not let you get a free air ticket on air miles usage, but offer discounts on it.

2. Fuel usage

The number of people using a credit card at a gas station to refuel their vehicles is enormous in India. If you also have a vehicle and plan to apply for credit card, then you should get one suiting your fuel usage. Many credit cards come with the facility of waiving off the fuel surcharge or discounts on the bills. Hence, to make the most of your spending needs, you should go for credit card features that may work for you.

3. Reward points

Some customers are in the habit of using their credit cards to make even the smallest of the transaction. They do it to pay the bill after 40-50 days and also in EMIs for a big-ticket purchase. Another reason that they always pay via credit card is to avail as many reward points as they can. Such customers redeem their reward points later to ask for a huge discount on a future transaction. Hence, if you are one of those customers, you should look for reward points as the credit card features.

A leading lender such as Bajaj Finserv offers the Bajaj Finserv RBL Bank SuperCard with 20,000 reward points as a welcome bonus on sign up. You can apply for such a credit card as you can get so many points without making any transaction. Also, you can use the credit card reward points to redeem them later for a future discount.

4. Free movie tickets

Are you a movie buff who loves to spend the weekend watching the latest blockbuster in a prime theatre? Credit card companies also have an exclusive credit card that may help you to get discount or free movie tickets. You can also enjoy some cash back which you can redeem later for a discount on movie tickets. Hence, you can continue using the credit card and keep grabbing the deals, cash back and freebies.

5. Loan on credit card

Here is another credit card feature that may appeal to suit your emergencies in life. Most of the credit card companies come with an urgent loan facility on credit card’s unutilized limit at a lower rate of interest. Such loans on credit cards are already pre-approved, and all that you need to do is apply for it. You can apply for it from the mobile app of your lender or via internet banking. You can also connect with a customer care executive of the company to ask for such a facility. There is no waiting time, and the loan amount gets disbursed quickly into your savings account. You can repay the loan by converting the amount over a tenor and paying in flexible EMIs. This way, you can handle the urgent money requirements without borrowing from others and also manage other expenses in your life by repaying in EMIs.

6. The ease of paying in EMIs

Another credit card feature that can make your life easier is converting any higher value transaction on your card over a tenor and paying in EMIs. This way, you may not only avail a big purchase but also manage another monthly outlay. Most of the credit card companies let you convert a transaction of Rs.3,000 or more into EMIs. Hence, while you apply for credit cards, ask your lender about the transaction amount that you can switch into EMIs.

Some of the credit card features that you should look for while applying for a credit card is now revealed.

You can look for some pre-approved offers extended by a leading lender such as Bajaj Finserv on credit cards if you wish to apply. Such deals are also available on EMI finance, personal loans, home loans, business loans and more. It is to help prospective applicant ease off the overall loan processes to make it fast.

You can share your basic information such as your name and mobile number to check out your pre-approved loan offers right away.

Author Bio:

Anjali is a passionate blogger and writer. She loves to write and review the products that are available for easy purchase in the market. She believes that an honest review is very helpful for a customer to buy products without being deceived. You can check her writing on Greetings of the Day.