The period between 2018 and 2019 saw a surge in the total number of credit cards in India. Mostly the user-intrinsic benefits and instant cash facility make credits popular as a financial instrument.

For example, the cashback feature of credit cards tends to draw considerable attention from most users. It works when users earn cash back through their purchases, which is available as a discount on their monthly credit card statement. Such cash back credit cards are easy to apply for and can use availed easily.

Typically, one can apply for a cash back credit card in a few simple steps. All they need to do is –

1. Go to the official website of the credit card issuer.
2. Click on the ‘Apply now’ option.
3. Provide essential information in the application form.
4. Click on ‘Submit.’
5. Submit the required set of documents when asked for.

However, the application process may vary among the best credit card providers. Also, to avail of a credit card, one would be required to meet the eligibility criteria.

For example, credit cards like the RBL Card are offered to individuals belonging to the age group of 25 and 65 years. Applicants also should not be a defaulter and must have a credit score of a minimum of 750. 

That applying also need to submit a set of documents comprising KYC documents, salary slips or ITR and PAN card or form 60 among others to complete the verification process.

Notably, to make the most of the best credit cards available these days, one should try to factor in features other than just the reward points. For instance, they should find out about the cash withdrawal facility, rate of interest, additional charges, security features, etc.