Fulfilling your monthly needs while maintaining a fixed budget is no easy task. But you can apply for a credit card online and make it easier.
Credit cards give you the flexibility required to manage household expenses. You can pay off your monthly bills instantly using a credit card and can pay off the credit card bills later when you have the funds. This way, you aren’t dipping into your savings every time you want funds to pay for routine household expenses.
IndusInd Bank offers some of the best credit cards to help you manage your routine expenses. New credit card applications take three simple steps and you can get a quick credit card approval online too. Once you get your credit card, here’s how you can use it to manage your finances.
1. Make Use of the 50-Day Interest-Free Period
When you get a credit card online with IndusInd Bank, you get a ‘grace period of 50-days’ for all your retail purchases. In this period, the bank will not charge any interest from you. So, you don’t need to worry about credit card bill payments as soon as you swipe your card.
You can swipe your credit card to make all kinds of retail purchases quickly and earn rewards. Then, you can make your credit card bill payments comfortably before the grace period expires.
2. Enable Auto Payments
When you have a lot going on, paying your credit bills may not be the first thing on your mind. But with IndusInd Bank credit cards, you can be assured they are taken care of with little effort.
When you apply for a card with IndusInd Bank, you can get instant credit card approval online. At this time, you can set up auto-bill payments or the National Automated Clearing House (NACH) payment facility. All you need to do is fill out an application and submit it to enable the feature. Then, your credit card bill amount will get automatically deducted from your IndusInd Bank Account.
3. Set up Part-Payments
Even with proper budgeting, there will be instances when your household expenses exceed your credit card budget. Fortunately, IndusInd Bank allows part-payment on credit card bills. You can pay the minimum amount and avoid late payment charges.
Moreover, this part-payment feature is available on all IndusInd credit cards.
4. Use Credit Card Discounts and Reward Points
Now, you can get rewarded when making routine household transactions with a new credit card. Apply for an IndusInd Bank credit card to earn rewards on frequent payments. You can use these reward points to book cheap airline or hotel tickets and get discounts on various websites. This way, you can save some extra bucks that you can use to manage future expenses.
5. Track Your Expenses
Budgeting is crucial to managing your monthly expenses. But it can be tricky to recognise your spending if you’re making regular credit card payments.
Fortunately, when IndusInd Bank’s online credit card approval is complete, you can set up transaction SMS alerts. This way, you always know where your credits get spent. What’s more, you don’t have to wait till the end of the month to track your monthly spending.
While improving your budgeting skills may take time, you can use your instant credit card to manage all your household expenses in the meanwhile.
Don’t have an IndusInd Bank credit card? You can get instant credit cards by filling up a quick online form with IndusInd Bank. Visit the IndusInd Bank website to explore options on instant credit cards. Apply for it immediately and manage your household expenses better.