The biggest problem faced by most people for making money online is that they don’t have a credit card. The fact is that many banks including ICICI bank, HDFC bank and Citibank are offering life time free credit cards. You must be minimum 21 years old and must be employed with a minimum monthly salary of 10,000 to apply for a credit card. This is the minimum salary requirement for HDFC bank. This amount may vary from bank to bank. Apply for a credit card in your parent’s name if you are not eligible. For a life time free credit card there are no charges to be paid other than the purchases you made using your credit card. Even if you don’t need a credit card now, it is better to take one now as it is free and you can use it when you need it. Several years back credit cards had annual maintenance charges which you have to pay even if you don’t use it, but now there are no such fees. From my experience I found that it is easy to get a credit card from HDFC bank compared to other banks. You can open an HDFC bank account if they don’t offer a credit card otherwise. You can apply for a credit card online or contact the bank branches in your area.

Which Credit Card is better?

While there are many credit cards available from various banks I prefer an HDFC bank credit card and I am using it for several years. It allows you to create netsafe cards using your credit card. HDFC bank offers verified by visa/ Mastercard Securecode facility for increased safety. If you are not eligible for a credit card you can use a netsafe virtual credit card for shopping online.

Don’t forget to read

Don’t have Credit Card – Use Virtual Credit Card

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