A Credit Card offers a world of benefits and choosing the right card can make your financial life so much simpler.

Read our guide to choosing the right Credit Card.

　　What is your lifestyle?

　　Credit Cards are not just a convenient financial tool but also a lifestyle accessory.

　　For instance, if you are a frequent flyer, opt for a co-branded airline Credit Card like the JetPrivilege HDFC Bank Diners Club Credit Card. Such a card will make your travel smoother and more comfortable, with benefits like free lounge access, priority boarding, etc. You also stand to earn miles that you can convert to free flights.

　　If you tend to entertain, eat out or socialize regularly, opt for a card that offers a better dining experience and greater rewards and discounts at restaurants.

　　Choose a Credit Card that suits your lifestyle and offers you the maximum rewards and benefits for the kind of activities you indulge in.

　　HDFC Bank has a wide range of co-branded and specialized cards that are tailored for different lifestyle needs.

　　What features do you want?

　　Credit Cards come with a slew of features that can make your life easier. For example, many HDFC Bank Credit Cards offer features such as automated utility bill payment, Easy EMI, welcome bonuses, zero liability on lost or stolen cards, fuel surcharge waiver and insurance cover. So, compare the features between cards before you choose one.

　　How much are you willing to pay?

　　What does your credit card cost? Compare the different charges among cards:

　　Annual fees: Most cards charge an annual fee, but waive it off if you achieve minimum spends

　　Finance charges: Banks will charge you an interest when you use revolving credit (carrying your outstanding amount beyond your due date)

　　Late payment and over-limit fee: If you settle your outstanding after the due date or spend over your credit limit, the bank may charge you a late payment fee.

　　Cash withdrawal fee: Withdrawing money from an ATM with your Credit Card attracts charges and interest.

　　All cards come with monthly credit limits. If you plan to use your card extensively for travel, dining and entertainment, you might want to opt for one with higher credit limits.

　　If you use your card infrequently, choose a card with a lower credit limits.

　　Know that you are aware of how to choose the right credit card, read more on how to use the Credit Card wisely.

　　Do you want to apply for a Credit Card? Click here to know your options!