If you are new in the UAE and want to apply for a credit card, this content will give you some tips. In this world we all require a credit card nowadays. The purpose is that most of the financial purchases take place with credit and debit cards. People used to make purchases with cash but that is not the case now. It is also essential if you are making any online purchase. Most of the online purchases happen with credit cards. It is always good to have a credit card with you when you want to buy something online. There are some disadvantages also with credit cards. People tend to overuse their credit cards and end up with a big bill. You need to make sure that you do not overspend and only use when it is required. In case you are a spendthrift then you need to make sure that you don’t go overboard with your spending. If you are thinking of applying for a credit card, then you have to think about lot of things. There are many credit cards and it can be puzzling. You have to think about few things when you apply for a credit card. You have to make sure that you don’t pay unneeded fees and you also don’t choose the wrong credit card. Just make sure you know the annual percentage fees and also interest rates. Interest rates have to be low so that you don’t pay unnecessary interest on the money that you borrow. It’s also good to have incentives on your credit card. For example, you can get points on your credit card whenever you swipe it. This depends on the credit card you apply for. Various credit cards offer points for various things. You can also get flying miles when you spend your credit card. This is an advantage because you can save some money and also redeem a ticket from the points you collect by using your credit card. Making sure which credit card is proper for you can become a wearisome task, so you can always use a comparison portal website. These websites tell you which credit card will be right for you. You can apply for a credit card depending on your needs and wants. You will also come to know if you are eligible for a particular card because it is written on the website how much salary is needed to apply for a credit card.