Using your credit card judicially can go a long way in saving money and effort. It can prevent you from collecting debt. In case you do land up in a web of debt, there are ways to get out, but this must be done fast before debt accumulates and you end up having to pay a lot. As a balance transfer credit card, the Bajaj Finserv RBL Bank SuperCard is one of the best credit cards available today, offering you a personal loan on your cash limit for 90 days at a nominal 1.16% interest rate per month. The card also lets you earn excellent rewards when you shop.