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June 2022
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Is Paying With A Credit Card Safe?5/23/2022 Everybody takes a credit card to enjoy the benefits and its features, and most importantly to save money. No one will ever want to become prey at the hands of credit card frauds or lose money making a transaction. No donut you can use debit cards as well to make the transactions as they are also safe to use but you do not get the extra leverage as you do while using a credit card. On credit cards, you get credit card zero liability protection and many other features and benefits.
Not only the credit cards are safe to use but you also get to build a credit history with them which you will not be able to build with cash or debit card. Choosing credit cards as your primary payment method can be the best decision you will ever make. Here are some of the reasons why paying with a credit card can be the smartest choice that will keep you safe.
Bottom Line: To conclude, considering a credit card to pay your bills or for other transactions is no doubt an ideal choice to make as they are convenient to use and are way safer than any other mode of payment. Carrying a credit card is safer than carrying cash with you while traveling. Additional Reading - A Complete Guide To Credit Card Loan
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SBI is a leading credit card issuer that not only offers premium credit cards but basic level credit cards too. You can find the most affordable credit cards with SBI and they will perfectly fit with your needs. A low salaried employee can also apply for an SBI card and can begin their credit journey. Today we have covered two basic credit cards SimplySAVE SBI Credit Card and IRCTC SBI Platinum Credit Card which you can easily avail of. Read on to get an about the similarities and dissimilarities of these two credit cards.
SimplySAVE SBI Credit Card This is an entry-level credit card and you can vouch for this at Rs. 499 plus applicable taxes. The SimplySAVE SBI Card is best suited for shopping needs. Here are the key features and benefits of this credit card:
IRCTC SBI Platinum Credit Card You can get this credit card with the Joining fee of Rs. 500 and to keep enjoying the benefits of this credit card you need to pay a renewal fee of Rs. 300 from the subsequent year. The IRCTC SBI Platinum Card is also an entry-level credit card designed to meet shopping needs. Here are the key highlights of this credit card:
Bottom Line: To conclude, as we can see that SimplySAVE SBI Card is quite more rewarding as compared to the IRCTC SBI Platinum Card not only in terms of features & benefits but also in terms of the membership fees. However, you need to identify your needs and spending habits so that you can choose the credit card that suits your profile. In order to maximise the benefits of a credit card, you need to adhere to the repayment cycles and maintain a low credit utilisation ratio. This will surely help in building a good standing account and your credibility as well. Do share your experience with the SimplySAVE SBI Card and IRCTC SBI Platinum Card in the comment section. Additional Reading - SBI vs HDFC: Which Credit Card Is Good? |