Having a credit card at your hand you don't have to carry cash so you don't have to worry about large sums being lost or stolen.

If you are not a credit card holder, possibly you must have wondered, what's the use of having a credit card except that you overspend, take credits and eventually end up carrying a burden of credit on your head. But, there's more to the story.

With a credit card in your hand, you don't have to carry cash in your hand all the time, so you don't have to worry about large sums being lost or stolen; you get discounts and cash backs over your purchases, so you can be assured that everytime you spend some money you do save some percentage of money spent; you get privileges like special air lounges and beauty and spa packages which again puts you on a better edge than others…

There are also other benefits of getting a credit card especially with the ones which are customized as per your needs. Like the small business cards for the businessman, womens' credit cards for the homemakers, mileage card for those who run a lot of fuel, cash back cards for the shopholics, corporate credit cards for big organizations and so on. You can apply for one as per your requirements. You can apply for either a Master Card or a Visa Card. However, due to wider acceptability of Visa Cards, Visa Credit Cards are more preferred. Still, the choice is your. Before taking the Credit Card do check in the details about the benefits and the interest rates they charge. Be a wise customer and get the benefit out of the credit card you are about to take.

Keeping in view the number of credit cards

revolving in the market. Kotak Bank has launched its Indias' first Vertical Credit cards – Fortune Gold Card, Trump Gold Card, League Platinum Card and Royale Credit Card. These cards have been predesigned keeping in view the requirements of the prospective customers. With the present scenario, these cards offer the best deals and the best returns, you can choose from. Know more about them on Kotaks' website, read about the Kotak Credit Cards, compare them, analyze them and apply for them online. After all, it takes just two minutes to fill the application form…