Choosing the right credit card can be really challenging. We all know that the whole process of selecting a credit card is overwhelming and tiresome, but with the right amount of knowledge, you can easily choose the right credit card for you. Here are few things to keep in mind while choosing a credit card:

1. It is advisable to do thorough research before buying a credit card. Research about the application procedure, eligibility criteria and what all documents are needed to get a credit card issued. Eligibility requirement includes your age, income and employment. In documents you would require to get copies of address proof, identity proof and income proof.
   
   
2. First thing first, check the debt-to-income ratio. You must have a steady income before taking a credit card. Higher the income, higher the credit limit. If you have taken loan in the past, repay all the due balance before applying for a credit card, as credit card issuers look at your credit history to determine your creditworthiness.
   
   
3. Determine your spending habit. For instance, if you spend a lot on travel then vouching for a travel credit card can make your travel experience more rewarding. Similarly, there are shopping credit cards, movies and entertainment credit cards, and fuel credit cards. Select credit card depending on your spending habit.
   
   
4. Next thing is to look for a suitable credit card that fits your needs. There is a wide range of credit cards covering reward based credit cards, cashback credit cards, travel credit cards, and fuel credit cards. There are secured credit cards, entry level credit cards, premium credit cards, and more. Figure out which credit card suits you the best.
   
   Check here: List of Top Credit Cards Available In India
   
   
5. Ensure you have a good credit score or credit history before applying for a credit card. It increases the chances of getting a good credit card. 700–750 is considered to be a good credit score. If you have no credit history you can build it by using a secured credit card or entry level credit card and paying credit card bills on time.
   
   
6. After selecting the type of credit card, compare credit cards of your choice and pick a credit card that suits your profile the most. You can compare credit cards in terms of fees, interest rates and benefits.
   
   
7. If you are applying for the first time, go for the secured credit card or entry level credit card. As a first time owner it is advisable to stick to one credit card and using it regularly and responsibly as it will only going to help you in the long run when applying for other credit cards.
   
   
8. Now, apply for a credit card by visiting the bank’s website and filling out the requisite fields. You can also visit the nearest bank’s branch to fill out the forms and submitting the required documents along with it.

Bottom Line:

If you are applying for a credit card for the first time, then you should definitely keep the above given points in mind. Apart from these you should be well aware about the hidden charges of a credit card. All the charges are mentioned in each credit card’s most important terms and conditions. 

Additional Reading - Types Of Credit Cards In India Explained