New Delhi, April 1 -- If you already have acredit card and are planning to get another one, it is vital to make note of certain points so that you do not end up getting a same or similar card with the same features. Additionally, you should be clear of your purpose of applying for a new card. It could be a higher credit limit, reward points, access to lounge or discount onshopping, and so on.

For instance, you could get a card that could compliment the old card in terms of features and benefits.

I. Complimentary card: The second credit card that you acquire should ideally compliment the previous card. For instance, when your previous card is a shopping card and you are amovie buff, it makes sense to get the second card which gives disco...