Jul 23, 2022
Similar to co-branded credit cards, generic credit cards are a great choice for those with itchy feet. These cards can be used to buy stuff and get rewarded with miles according to the rewards program of the card.
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Unlike co-branded cards that cater to only a particular airline, generic cards can be used for a much broader range of things including more airlines, more travel expenses and fewer constraints.
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Here's a look at the universal credit cards which you can buy this year.
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Annual fee/joining fee: Rs 3,000Interest rate: 3.75%Insurance: Up to Rs 1 crore air accident insurance and Rs 10 lakh lost card liability insurance.
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Annual fee/joining fee: Rs 2,500Interest rate: 3.6%Insurance: Rs 1 crore accidental air death cover; up to Rs 15 lakh emergency overseas hospitalisation; up to Rs 9 lakh lost card liability cover.
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Annual fee/joining fee: Rs 5,000Interest rate: 3.5%Insurance: NA
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Annual fee/joining fee: Rs 999Interest rate: 3.5%Insurance: Rs 1 crore cover for air accidents; Rs 25 lakh for emergency overseas hospitalisation; Credit shield for accidental death of cardholder.Source: Card-issuer websites. Annual/joining fees do not include taxes. Interest rate is per month. All benefits are not included
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