Partner Content
oi-Oneindia Staff
The
auspicious
festive
season
gives
you
a
reason
to
make
big-ticket
purchases
like
electronics,
kitchen
and
home
appliances,
top-end
gadgets
or
even
getting
your
house
renovated.
We
plan
all
year
to
splurge
on
such
things
during
Diwali.
However,
these
purchases
can
sometimes
be
so
hefty
that
you
might
have
to
think
of
opting
for
loans
to
meet
the
expenses.
We
tend
to
ignore
the
fact
that
these
loans
come
with
high
rates
of
interest
which
can
in
turn
become
financially
stressful
in
the
long
run.
In
order
to
escape
such
a
long-term
burden
of
repaying
the
loans,
it
is
better
to
fund
your
expensive
purchases
through
a
credit
card.
Apply
for
a
credit
card
this
festive
season
and
save
big!
Benefits
of
Credit
Cards
There
are
several
benefits
of
a
credit
card
which
make
our
lifestyle
way
more
convenient.
Some
of
the
renowned
credit
card
providers
give
you
a
joining
bonus
by
charging
a
very
nominal
fee.
Not
only
this,
owning
a
credit
card
means
that
you
will
be
able
to
build
and
boost
your
credit
score.
This
makes
getting
loans
in
the
future
easy
since
a
high
credit
score
means
that
you
are
a
low
risk
profile
for
lenders.
During
the
festive
season,
there
are
an
array
of
deals,
offers,
rewards,
benefits
on
travel
reservations,
and
additional
discounts
on
major
e-commerce
sites.
Apart
from
these
benefits,
you
can
also
opt
for
EMI
options
on
credit
card
purchases.
Top
Credit
Cards
Major
financial
institutions
like
SBI,
Axis
Bank,
Citibank,
RBL,
etc.
offer
several
credit
card
options
with
great
offers,
benefits
and
privileges.
Let’s
look
at
some
of
them.
-
Amazon
Pay
ICICI
Credit
Card
With
zero
annual
fee,
this
credit
card
offers
cashback
of
up
to
5%
on
all
your
purchases
made
on
Amazon.
If
you
wish
to
own
a
credit
card
for
shopping,
booking
movie
tickets
or
plan
your
travel
experiences,
this
card
is
the
most
suitable
choice
for
you.
With
an
annual
fee
of
Rs.
4,999,
you
get
a
welcome
voucher
as
an
e-gift,
Club
Trident
or
Vistara
privilege
membership,
and
complimentary
movie
tickets.
-
Axis
Bank
Ace
Credit
Card
Do
cashbacks
excite
you?
If
yes,
then
this
credit
card
is
the
most
suitable
choice
for
you.
With
an
annual
fee
of
just
Rs.
499,
this
credit
card
gives
you
a
cashback
of
5%
on
bill
payments,
recharge
on
mobile
and
DTH
expenses.
-
Flipkart
Axis
Bank
Credit
Card
Do
you
like
online
shopping?
Do
you
keep
a
tab
on
the
upcoming
and
latest
online
sales?
Then
the
Flipkart
Axis
Bank
Credit
Card
is
the
card
for
you.
With
an
annual
fee
of
Rs.
500,
it
gives
you
a
welcome
benefit
of
a
Flipkart
Voucher.
Not
only
this,
it
also
gives
a
cashback
of
5%
on
Myntra
as
well
as
Flipkart.
For
all
those
who
love
shopping
and
travel
frequently,
this
credit
card
is
a
blessing.
With
an
annual
fee
of
Rs.
2,500,
this
card
provides
complimentary
access
to
lounge
and
4
reward
points
for
every
Rs.
150
you
spend
on
your
retail
purchases.
-
Citi
PremierMiles
Credit
Card
Receive
10
times
more
reward
points
on
all
transactions
related
to
airlines
at
an
annual
fee
of
Rs.
3,000.
You
can
relax
and
travel
comfortably
without
worrying
much
about
airline
related
expenses,
thanks
to
this
card.
-
HDFC
Millenia
Credit
Card
With
an
annual
fee
of
Rs.
1,000,
you
can
get
5%
cashback
on
Amazon,
Myntra,
Sony
Liv,
BookMyShow,
Zomato,
Cult.fit,
Flipkart,
Swiggy,
Tata
CLiQ,
and
Uber.
You
also
get
1%
cashback
on
all
other
spends
including
EMI
&
Wallet
transactions
(except
for
fuel
spends).
Via
Dineout,
partner
restaurants
offer
up
to
20%
discount.
-
Standard
Chartered
DigiSmart
Credit
Card
For
online
shopping,
the
benefit
of
this
credit
card
is
that
it
gives
a
discount
of
20%
on
all
banks
that
partner
with
them,
with
a
monthly
fee
of
Rs.
49
only.
-
BPCL
SBI
Card
Octane
Credit
Card
If
you
frequently
travel
by
a
personal
vehicle,
this
card
can
prove
to
be
very
beneficial
for
you,
helping
you
save
a
chunk
on
your
fuel
expenses.
With
an
annual
fee
of
Rs.
1,499,
this
card
gives
a
value
back
of
up
to
7.5%
on
all
your
fuel
expenses.
This
is
applicable
if
you
make
your
fuel
expenses
at
BPCL
Petrol
Pumps.
-
HDFC
Bank
Diners
Club
Privilege
Credit
Card
You
get
complimentary
Amazon
membership,
Dineout
Passport,
MMT
Black,
etc.
with
an
annual
fee
of
Rs.
2,500.
Shop
Smart
with
a
Credit
Card
this
Diwali
Applying
for
a
credit
card
can
prove
to
be
a
great
way
of
smart
saving
and
shopping.
It
is
a
financial
instrument
that
helps
you
make
purchases
easily,
especially
during
the
festive
season
since
most
merchant
stores
offer
attractive
discounts,
offers,
and
deals.
However,
make
sure
that
you
are
aware
of
the
conditions
and
terms
that
are
associated
with
these
cards
in
order
to
avoid
unnecessary
high
interest
rates
on
your
outstanding
dues.
Sit
back
and
shop
your
heart
out
with
any
one
of
the
above
mentioned
credit
cards
this
festive
season!