Credit card, in contrast to the previous decade, is an everyday essential. Having a good one can help you manage your finances better, avail huge discounts on everyday transactions, and also improve your CIBIL score to build your future loan eligibility. Not having a credit card would deprive you off the above shared benefits. Hence, find out a good card and apply for it.


That said, finding the right one is of foremost importance and it can be done by comparing the available options based on the factors mentioned below.


  • Cash withdrawal from ATMs: On most occasion such as while paying at a restaurant wherein credit cards are not accepted or while buying essential products in an another country from a shop which doesn’t accept card payments, you might have to withdraw cash using your credit card. Hence, knowing the probabilities of such incidents are quite high, you would like to own a credit card which charges a very insignificant cash withdrawal charge. So, the first factor to check is the cash withdrawal charges.

  • Can you avail an emergency loan: Since most credit cards have already started offering this service wherein the user can convert his/her credit card limit into an interest-free personal loan, it would be unwise not to have it in your own credit card. So, the second feature you must look for while applying for a credit card is emergency loan facility.

Bottom line: Lastly, since card frauds are very common these days, opt for credit cards with security features like ‘in-hand security’ and ‘zero fraud liability cover’ to minimize cybercrime threats.