Which cards are a good choice for students and housewives?
Credit cards come in handy for everyone. No matter if you are working or a housewife, you should have a credit card. Moreover, if you are a student, then also you must get a credit card. This way you cannot only get great rewards on your purchases, but you can also save money for your future.
A lot of housewives and students think that credit cards are not for them, as they do not earn. However, they are wrong. They too can opt for a credit card. It’s just that you have to carefully choose the right credit card for yourself according to your needs and requirements.
There is a wide assortment of credit cards available in the market. These credit cards are offered by various reputed banks. So, how can you decide which is the best credit card for you, which can give you maximum benefits as a student or housewife. So, let us have a look at the best credit card for students and then at the best credit card for housewives.
Best credit card for students
SBI Student Advantage Plus Credit Card
This credit card is offered by the reputed State Bank of India. With this card, students can learn to manage their money carefully. It offers various features, which are designed particularly for students. Some of the benefits of the SBI Student Advantage Plus Credit Card include fuel surcharge waiver up till 2.5% on all your fuel purchases, the ability to convert every purchase to EMI, 2.5% value back on purchases, and much more.
SBI Student Advantage Card
- 2.5% Fuel Surcharge Waiver
- 1 Point For Every 100 Rs. spent
- Low Interest Rate
Chances of Approval:
Besides this, this credit card has a nice rewards program. It offers 1 reward point to cardholders with every Rs. 100 that they spend on purchases. The reward points that come with this card can be exchanged for a wide variety of gifts. You can even pay your outstanding credit card bills with the reward points of the SBI Student Advantage Plus Credit Card.
Moreover, this credit card has a very low interest rate of just 2.25% per month. You can also book railway tickets. The tickets will be delivered to the doorstep of the card member. This makes it quite convenient and quick to arrange tickets and make your travel plans. This card comes with an annual fee of Rs. 500, which is applicable from the second year onwards. However, this fee is waived off, if you spend over Rs. 35,000 per month.
Best credit card for housewives
HDFC Premium Women Credit Card- Solitaire
This credit card is offered by HDFC bank. It is exclusively designed for women. When you spend with this card, you get gift vouchers from Shoppers Stop. These shopping vouchers are worth Rs. 1,000, when you spend Rs. 75,000 per 6 months.
HDFC Solitaire Card
- Earn Shopping Vouchers every 6 months
- 50% more rewards on grocery and dining
Chances of Approval:
However, you can get only 2 vouchers per year. Moreover, you can receive 3 reward points with the HDFC Premium Women Credit Card- Solitaire credit card, when you spend Rs. 150 on purchases. You can redeem these reward points against vouchers and gifts from the Rewards catalog of HDFC Bank.
Additionally, cardholders receive 50% extra reward points on their grocery and dining spends. However, this credit card comes with Rs. 599 as annual fees, which nevertheless are waived off on spending Rs. 50,000 per year with this card.
So, these are the best credit cards for students and housewives. Students can opt for the SBI Student Advantage Plus Credit Card and get low interest rate and fuel surcharge waiver, along with other benefits. On the other hand, housewives can choose HDFC Premium Women Credit Card- Solitaire and freely shop to their heart’s content.
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