Confused about credit card
Till now I do not have any credit card. But looking at the benefits I do want to get one which has lounge access, good reward points and other benefits. Which one should I get ? Any suggestions ?
Till now I thought if I have money then why should I get a credit card but looks like people use it efficiently and get good benefits. Please suggest.
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Every credit card is focusing on certain areas like travel, lifestyle and so
Hence based on your spending habits you need to get one.
And depending on your CTC banks will offer you their credit cards, better salary = better cards
Get SBI platinum salary account, you'll get rupay select debit card which gives 3 visits per quarter (effectively 1 per month).
Then get SBI cashback so you'll get 5% off on online spends.
Get a forex card if you do forex txn or going outside.
Otherwise, just don't get a cc. There is no need for a cc. Don't run behind rewards, you'll artificially inflate your spending to get reward. The "reward" exists only becauseyou reward the company with something more. Don't fall into peak consumerism.