Axis Bank Credit Card

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How to select the perfect credit card?
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• Credit cards are surely the new way of life. They
  have been used by several salaried employees and
  business class people. Whether its flight ticket
  booking, dining at the world-class restaurant or
  making online payments for shopping, the benefits
  of credit cards is just endless. From exclusive
  offers to hefty discounts, a credit card serves
  several purposes and gives plenty of added
  benefits. Therefore, it is important to choose a
  lifestyle and travel centric card that meets all
  your requirements. Hence, here are a few things
  you need to follow before deciding on a credit
  card.

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• Interest Rate Interest rate is the most
  important factor while choosing a credit card.
  Some credit cards change their interest rates
  throughout the year whereas others offer variable
  rates. So, do read the clause related to the
  annual percentage rate on the terms and
  conditions document of your card.
• Credit limit Everyone wants a higher credit
  limit on their cards. As higher limits will help
  you to deal with unexpected spending that can
  incur at times. In addition, nobody wants to max
  out the card limit. This situation will
  drastically pull down the holders credit score
  and will impact his future borrowings. Thus, it
  is yet another very important factor while
  choosing a card.

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• Penalty charges Credit card issuing banks tend
  to respect those cardholders who are disciplined
  and offer multiple reward points to them. Thus,
  while deciding on a card, you must go through all
  the terms and conditions and should also be
  informed about non-payment penalties. Thus, you
  must choose the card that comes with less penalty
  charges.
• Good incentives Make a smart move and select
  that card which offers good reward points. Also,
  you need to keep a regular track record of your
  reward points as you may end up losing the
  accumulated points over the course of time. Thus,
  you must go for a card that offers good reward
  program.

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• On the whole, keep these above mentioned points
  in mind to get the best credit card and get
  maximum returns on it. Besides, if you want to
  apply for credit cards online, opt for Axis Bank
  your credit card payments can be done instantly
  and securely.