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Message: <blockquote data-quote="sameira" data-source="post: 22250691" data-attributes="member: 87742">It really depends on your requirement machan.As per my understanding, best Credit card is the card offered by your bank where you maintain your salary account. <img src="/styles/default/xenforo/smilies/default/happy.gif"  class="smilie" loading="lazy" alt=":)" title="Happy    :)" data-shortname=":)" />Coz you can setup a standing order to settle 100% outstanding, so you never miss the settlement and get panelty charges <img src="/styles/default/xenforo/smilies/default/yes.gif"  class="smilie" loading="lazy" alt=":yes:" title="Yes    :yes:" data-shortname=":yes:" /><img src="/styles/default/xenforo/smilies/default/yes.gif"  class="smilie" loading="lazy" alt=":yes:" title="Yes    :yes:" data-shortname=":yes:" /><img src="/styles/default/xenforo/smilies/default/yes.gif"  class="smilie" loading="lazy" alt=":yes:" title="Yes    :yes:" data-shortname=":yes:" /><img src="/styles/default/xenforo/smilies/default/yes.gif"  class="smilie" loading="lazy" alt=":yes:" title="Yes    :yes:" data-shortname=":yes:" /><img src="/styles/default/xenforo/smilies/default/yes.gif"  class="smilie" loading="lazy" alt=":yes:" title="Yes    :yes:" data-shortname=":yes:" />On the other hand Amex is great if you have to buy household items (TV, fridge, washing machine, Furniture and etc) as it offers 10 % discount + 20/40 months installment facility.Example : Bought a gas hob of Rs. 35000 (I can't afford to onetime settlment)Amex : (35000*0.9)/20 = 20 months of Rs. 1600/= per month <img src="/styles/default/xenforo/smilies/default/yes.gif"  class="smilie" loading="lazy" alt=":yes:" title="Yes    :yes:" data-shortname=":yes:" /><img src="/styles/default/xenforo/smilies/default/yes.gif"  class="smilie" loading="lazy" alt=":yes:" title="Yes    :yes:" data-shortname=":yes:" /><img src="/styles/default/xenforo/smilies/default/yes.gif"  class="smilie" loading="lazy" alt=":yes:" title="Yes    :yes:" data-shortname=":yes:" /><img src="/styles/default/xenforo/smilies/default/yes.gif"  class="smilie" loading="lazy" alt=":yes:" title="Yes    :yes:" data-shortname=":yes:" /><img src="/styles/default/xenforo/smilies/default/yes.gif"  class="smilie" loading="lazy" alt=":yes:" title="Yes    :yes:" data-shortname=":yes:" /><img src="/styles/default/xenforo/smilies/default/yes.gif"  class="smilie" loading="lazy" alt=":yes:" title="Yes    :yes:" data-shortname=":yes:" />Warning : Buy only if you can pay the amount due in full. Its a trap if you maintain an outstanding every month. In my case I don't care the interest rate as I settle it in full every month. <img src="/styles/default/xenforo/smilies/default/eek.gif"  class="smilie" loading="lazy" alt=":eek:" title="eek    :eek:" data-shortname=":eek:" /><img src="/styles/default/xenforo/smilies/default/eek.gif"  class="smilie" loading="lazy" alt=":eek:" title="eek    :eek:" data-shortname=":eek:" /><img src="/styles/default/xenforo/smilies/default/eek.gif"  class="smilie" loading="lazy" alt=":eek:" title="eek    :eek:" data-shortname=":eek:" /> </blockquote>

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