Enhancing Your Credit Card Experience: 8 Must-Have Mobile App Features

Credit cards are undoubtedly one of the best products that help you manage your daily finance in many ways. You also get a lot of benefits that enhance your overall experience. Additionally, the availability of credit card mobile apps further improves the convenience of using of this product. The OneCard free credit card mobile app deserves a special mention here as a prime example.

Having said that, what are the features that you must look for in a credit card app? Well, let’s check out the essentials.

Mobile app features for  credit card experience

Here are some of the primary features of a credit card app that elevates your experience:

Key information 

An ideal credit card mobile app must display information about the credit card provider and credit card account, like account number, credit card number, repayment due dates, minimum payable amount, interest rate, etc. It also makes accessing transaction history and statements hassle-free. 

EMI payments for big purchases

When you make an expensive purchase using a credit card, you can convert the payment into easy EMIs. Now with an ideal credit card app, you have the liberty to complete this online without submitting any additional papers. Moreover, you can make the installment payments through this app, which is a bonus.

Rewards and cashback

Reward points is the most useful feature of a credit card, and the apps also help us gain from these benefits. You can track reward points and gift coupons earned through shopping via these apps. OneCard metal credit card app, goes a step further, to provide 5x rewards on top two spending categories, which you can view from the app and then utilise at your convenience. Furthermore, these apps allow you to track rewards earned on bill payments and purchases from certain merchants and stores.

Spending limit for financial responsibility

Some credit card providers allow you to set a credit limit on your credit cards through these apps. When you set a limit on our spending, it helps control our daily expenditure within the budget. Also, you can protect our credit cards from unauthorised transactions. Moreover, you can pause domestic and international transactions via these mobile applications. You need to log in to the app to set the limit of spending, and the app will notify you if you cross the credit limit or if you are nearing the maximum limit.

Balance transfer

It’s another important feature of credit card apps. You can transfer balances from one card to another in case you use multiple cards, and avoid outstanding payments and high-interest rates.

Easy access to customer service

Most credit card apps have chatbots and 24X7 customer service to talk with a customer care representative in case of any issues. It’s a quick and easy process to solve all credit card-related problems at any time.

Safety and security features

Most credit card apps provide security alerts and notifications for our cards, and these notify us of every transaction. So if there are unauthorised transactions, you can easily identify them and take the required steps to stop them. Moreover, these apps keep reminding us of payment due dates, credit limits, etc.

Swift access

Accessing credit card accounts through mobile apps is easy. It provides quick and hassle-free bill payments. You need to follow some easy steps to pay your credit card bills, and the payment processes are completed within a few minutes.

These are some of the features that make a credit card app stand out from the rest. However, the particulars of the features and what it has to offer may change as per the credit card provider. For instance, you can try out the OneCard credit card app. It’s easy to use, has robust features and offers complete credit card account management in one place.

The next time you are applying for a credit card, remember these tips to ensure you get the best experience.