Credit Card Offers that you Should Look Out For

Besides being a convenient mode for cashless transactions, credit cards are also preferred by customers for their extensive rewards and offers. These make credit cards a better financial product for payments than debit cards.  

Various financial companies introduce attractive credit card offers to make purchases more affordable. Hence, you must apply for a card which caters to your regular expenses.

Here are five offers that you should look for when availing a credit card: 

1. Retail offers 

Credit cards provide attractive offers on online or offline retail purchases. These can be beneficial if you are a shopaholic or have excessive regular expenses. 

Many a time, credit cards with such offers are co-branded – these come from a financial institution who is partnered with a merchant. You will receive rewards only when purchasing products from that particular merchant.  

Non co-branded credit cards also come with these reward programs. You can accumulate reward points on purchasing products at multiple online as well as offline stores. Redeem these points later for cashback, discount, gift vouchers, coupons, etc.

One can even earn 15x more reward points on retail purchases using the best credit cards. 

2. Travel offers 

Go for cards with travel offers if you are a frequent flyer, travel more, stay in hotels, etc. These can reduce your travel expenses significantly. Travel credit cards can either be co-branded or standalone. 

Companies providing co-branded cards are associated with an airline. Buying air tickets from that airline will give you travel miles. You can then redeem these miles for discounts on flight ticket purchases in the future. 

Standalone cards bring reward points on air ticket purchases, hotel bookings, etc. from specific travel websites. You get the option to convert these points into travel miles.  

Both these types of cards offer travel vouchers with discounts and cashback when booking tickets or hotels. They also present other benefits like complimentary admissions to airport lounges and concierge services.

The Bajaj Finserv RBL Bank SuperCard is one of the best credit cards which provides with up to 8 complimentary accesses to airport lounges. Also, you get to convert your accumulated reward points to travel miles.

3. Dining offers 

Credit card offers on dining are helpful if you are a foodie and love to eat outdoors. Credit cards with such features partner with restaurants across the country and abroad. The number of partners can range from 1000 to 3000 or even more. 

Dining at these restaurants, hotels, cafés, etc. enables you to receive discounts, cashback, or accumulate high reward points. For example, the Bajaj Finserv RBL Bank SuperCard provides with up to 20 reward points for every Rs. 100 that you spend on dining.

Bajaj Finserv also has pre-approved offers which make it easier to avail these credit cards by simplifying the process. Pre-approved offers additionally come with home loans, business loans, personal loans, and a host of other financial products and services. You only have to submit your name and phone number online to check your pre-approved offer.

Additional Read: Cash Back Credit Cards

About This Author

Aditi Ahuja Aditi Ahuja is a noted financial consultant and adviser. Joined: August 23rd, 2018