One can also chose to get a suitable Credit Card from those banks in India that offer such a facility.
In case you have surplus money, you can invest it safely in FDs of banks. But now-a-days different banks have different schemes and interest rates. Bankbazaar allows one to select the best deposit scheme and apply online for making the FIXED DEPOSITS.
Bankbazaar also provides you facilities to decide the best suited LIFE INSURANCE from the best company of your choice.
It is not a bad idea to do a bit research before you take loans, put money in FDs or to take an insurance policy.
Finally, a word of caution. Take a loan only when it is unavoidable and when you have the resources and income to pay the EMIs.
Never take a loan which has an EMI which eats out the major portion of your monthly income.