Advantages of HDFC bank low interest credit cards

HDFC bank credit cards are popularly known for their customized benefits but, for those of us who would like to seek low interest credit cards from the bank, the search begins here. Before we get into the details of what these cards are, let us understand how low interest credit cards can help save.

As common knowledge dictates, the number one benefit of having a low interest credit card is that you have to pay less interest to access a credit limit. So, you can always keep your expenses in check because having a credit card is high maintenance. With a low interest credit card, you can get the benefits you want by paying a low interest.

The second advantage is more of a counter benefit. On a low interest credit card, you will have to settle for a low pay off time which means you cannot sit on your debt for a long time. If you want to avoid any increase in the rate of interest, you will have to pay off the debt in the time given to you. This feature is restricting but, when you think about it, having such a restriction can keep you from accumulating debt which is the end goal of any customer.

Now, that we know how low interest credit cards can help, let us look at the two most popular low interest HDFC credit cards.

Platinum Plus Credit Card:

This card features in the regular credit card category of the huge assortment of credit cards offered by the bank. The card has an interest rate of 3.40% per month and an interest free period of 20-50 days subject to the scheme applicable. If you want a basic card with basic benefits on regular purchases, this is a good card to have. You can get discounts on fuel purchases and also earn reward points when you use this card. You can add 3 people on this card as your ad ons.

Titanium Edge Credit Card:

The Titanium Edge Credit Card category features many different scheme credit cards which fall in the low interest category. The Titanium Edge Credit card has an interest rate of 3.40% per month with an interest free period ranging from 20-50 days.

This is a great card to have if you would like to make use of cash back offers. Also, if you would like to get discounts and earn reward points on fuel purchases, the Titanium credit cards present many benefits.

Low interest credit cards don’t come with many special privileges. They are good to have when you need a low maintenance functioning credit card. You can always visit the page displaying different options in HDFC credit card for more information. If you are specifically interested in HDFC low interest credit cards, you can browse through the Regular as well as Titanium credit cards categories on the bank’s website. Once you have made your decision you can click on the HDFC credit card apply tab and proceed with the process.