Financial best credit cards in india.

https://issuu.com/kartik745/docs/best_credit_cards_to_earn_krisflyer_miles_in_india

In this article, we’ve covered those credit cards by these card issuers that offer some of the highest reward rates on conversion of Reward Points into KrisFlyer Miles.

1. HDFC Bank INFINIA Credit Card Metal Edition

Infinia Credit Card earns you 5 Reward Points for every Rs. 150 spent which can be converted into AirMiles via net banking on one of partner airlines’ loyalty programs. Since Singapore Airlines is one of HDFC’s partners, you can convert the Reward Points earned on your HDFC Infinia Credit Card into KrisFlyer Miles. 100 Reward Points = 100 KrisFlyer Miles (1:1 conversion ratio), making the effective reward rate of HDFC Infinia Credit Card 3.3% (if Reward Points are redeemed against Air Miles).

2. HDFC Bank Diners Club Black Credit Card

The Diners Club Black Credit Card by HDFC Bank is the second most premium offering by the bank after the Infinia Card. Unlike Infinia, although Diners Club Black Card is not invite-only, it does, however, come with quite strict eligibility criteria (minimum gross monthly income of Rs. 1.75 lakh) and a membership fee of Rs. 10,000 per annum.

The reward rate of both Infinia and Diners Club Black Credit Cards is the same (5 Reward Points per Rs. 100 spent). The Reward Points earned can be converted into KrisFlyers Miles via net banking. 100 RP = 100 KrisFlyer Miles (conversion ratio 1:1). Thus the effective reward rate of Diners Club Black Credit Card also becomes 3.33% (same as Infinia).

To know more about Health and wellness credit cards, visit https://issuu.com/kartik745/docs/best_health_and_wellness_credit_cards_in_india_3_

Due to this, various banks and credit card companies have joined forces with various brands to offer co-branded health and wellness credit cards. Partnering up with companies such as Practo and Apollo, these credit cards come with a wide range of benefits for cardholders such as discounts on annual doctor checkups, complimentary fitness sessions, free video consultations with doctors, and more.

• Yes Bank Wellness Credit Card offers 6 free fitness sessions, a Complimentary annual health check-ups, 20 reward points for every Rs 200 spent at pharmaceutical stores or chemists, and 4 reward points for every Rs 200 spent on other category expenses.
• Yes Bank Wellness Plus Credit Card offers Complimentary annual health check-ups, Complimentary annual dental and eye check-ups, Unlimited consultations with general practitioners, and nutritionists, 12 free fitness sessions, Upto 30 reward points for every Rs.200 spent at chemist or pharmaceutical stores, Domestic lounge access, On death due to a flight accident, get a life insurance cover up to Rs.1 crore.
• Apollo SBI card offers Complimentary OneApollo Gold Tier membership, 3X accelerated rewards for every Rs.100 that you spend on Apollo services, Fuel surcharge waiver.

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Here we have listed some of the credit cards for business units that would help you choose the ideal card as per your requirement:

• SBI Platinum Corporate Credit Card
  
• HDFC Business MoneyBack Credit Card
  
• Axis My Business Credit Card
  
• Citibank Corporate Credit Card
  
• Kotak Corporate Credit Card
  
• Standard Chartered Business Gold Credit Card
  

Having a business card is always a plus point for your business as it helps in building a good credit history, It gives you access to credit and Access to other financial products and services. The most common people ask is it’s hard to get a business credit card? But the reality is that you generally cannot get an unsecured business credit card without personal credit. Most issuers would require good or excellent credit. But if you’re starting with no credit, you might have to start with a personal card, build your score and then apply for a business credit card.

To know more about T I C program and related credit cards, visit https://ello.co/cardinsider/post/_tsr_zwi0jm27z5j5ndluq  

The following credit cards come with Taj Inner Circle membership:

1. ICICI Bank Diamant Credit Card – Includes Taj InnerCircle (Gold) and Taj Epicure Plus
2. Citi Prestige Credit Card – Epicure Plan and Inner Circle Silver
3. Yes First Exclusive Credit Card – Taj InnerCircle Epicure Membership
4. American Express Platinum Corporate Credit Card – Taj InnerCircle Silver Membership

Following are some perks of the T I C :

Discount on Dining and Spa

• 25% value back as points on dining and spa
• Valid across participating restaurants, bars and spas
• Happy hours from 6 pm-8 pm at participating bars (up to a group size of 10 people)

Vouchers

• 2 room upgrade vouchers
• 50% back of the bill amount in the form of points on your first 3 dining transactions

Complimentary Night

• Complimentary night stay

Taj InnerCircle Silver Tier

• Directly get Silver Tier status

The financial value and capability vary from one individual to another, depending on whether one would stay at Taj during the year and how much one would like to spend on dining, bars, spas etc. Also, there are many high-value qualitative perks associated with the membership including room upgrades, late checkout, early check-in and more. More importantly, you must consider how you would use these premium benefits before opting for it.

Learn more about this topic at https://creditcardmentor.blogspot.com/2022/08/Does-Canceling-Credit-Cards-Affect-Your-Credit-Score.html

Closing a credit card account is sometimes necessary, despite advice against doing so.

A credit card can be canceled without harming your credit score⁠; just remember that paying down credit card balances first  is key.

Closing a charge card won't affect your credit history 

If your card issuer charges you a high annual fee for an account you don’t use, cancellation might be warranted. However, if you receive benefits from the account that outweigh the annual fee, such as travel credits and perks, it might be worth the cost.

Your credit score might be hurt if closing the card changes your credit utilization ratio. Credit utilization measures how much of your total available credit is being used, based on your credit reports. The more available credit you use the worse the impact will be on your score. Aim for a ratio of around 30%.

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Plan your transactions

if your credit card billing date is 5th march to 6th April, you should make your credit card payments at the start of the billing date. making a transaction on the 6th of March would give you 50 days of grace period until you have to pay back the whole amount. if you shop in the middle of the month, for instance, on the 20th March, you would only have 35 days until the payment due date. managing your transactions by planning it according to your due date, allows you to enjoy maximum credit card benefits from the grace period. 

Pay your outstanding balance

to benefit from the interest-free period, you have to pay the entire outstanding amount before or on the payment due date. if any amount from the previous month gets carried forward to the next billing cycle, you will be paying the interest on the remaining amount. 

tip: make your credit card bill payments online. it could happen that you submit a cheque to pay off your outstanding balance, but it doesn’t get credited to the bank for some reason. you would be stuck with paying interest because you chose to pay via cheque. online alternatives such as internet banking, and mobile banking could make the payment process less worrisome. 

Avoid cash payment

not many credit card users are aware of the fact that the interest-free period is not available on cash payments. banks also charge you for withdrawing cash from your card which is called cash processing fee. this fee will be levied even during the grace period, and that’s why cash payments should be avoided if you want to avoid paying the interest. 

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If you have this symbol on your card, it means your credit or debit card has the contactless feature and can be tapped to pay. Contactless cards don't necessarily need to be swiped to make a transaction. These cards come with Near Field Communication (NFC) chip that allows short-range data transfer without the need to touch the point of sale (PoS) device.

As per Visa's official website, "Contactless payments use short-range wireless technology to make secure payments between a contactless card or payment-enabled device and a contactless-enabled checkout terminal. When you tap your card on a PoS machine with contactless symbol, your payment is sent for authorization." Visa claims a contactless card works when it is within 4cm of the PoS and that the contactless payment terminal can only process one transaction at a time. 

This payment technology is growing in developed countries. According to a report by Independent, one in every four card payments has been done using a tap to pay card. Visa claims, apart from US, over half of retailers in countries like Australia, Canada, UK and France accept contactless cards.

In India, the trend has been catching up and many supermarkets have started using PoS machines with the tap to pay symbol.

Benefits

• Using tap to pay is quicker than the usual card swipe
• Don't need to give your card away
• No need to punch-in PIN for amounts up to Rs 2000
• Leaves a digital trail of expenditure

Dangers

While most banking facilities promote it as safe, instances of theft have been reported. In 2016, an image went viral on the internet where a man was holding a PoS in a crowded train.

Major banking brands claim that the method is secure as the card needs to be very close to the payment machine. However, in a crowded train that won't be a problem for a digital pickpocket.

However, it is highly unlikely that a KYC compliant merchant will use his/her PoS terminal to conduct a fraudulent transaction. Since it can be traced easily.

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What Is a Chargeback?

A chargeback is an action taken by a bank to reverse electronic payments. It involves reversing a payment and triggering a dispute resolution process. Generally, chargebacks occur between a merchant and a credit card issuing bank or a consumer. However chargebacks are sometimes issued against consumers, for example in the case of an erroneous ATM deposit. Usually chargebacks are used to reverse a payment in the case of a billing error, unauthorized credit card use or failure to deliver a product or service.

Often this term is used by savvy credit card issuers to refer to the entire process of disputing a credit card charge, receiving an account credit and having the disputed amount taken back from the merchant.

When Should You Use a Chargeback?

The Federal Trade Commission and other regulatory bodies mandate a fair amount of protection to consumers using credit cards. Among other protections, you have the right to accurate billing, protection from unauthorized charges and the right to dispute charges for goods or services that are different than described. In addition to regulatory protections, your bank, credit card issuer or card association may provide you with additional rights.

Most often, chargebacks are issued for one of the following reasons:

• Fraud or unauthorized use—Someone uses your card without your authorization to purchase goods or services.
• Goods or services were not as described—Goods or services provided were materially different than they were described or agreed to.
• Goods or services not delivered—You paid for something, but never received it or you paid for a service that was never provided.
• Return credit not processed—You returned an item or canceled a service within a merchant's return policy and never received credit for the return.
• A recurring billing was not stopped—A subscription service continued to be billed after you canceled it.
• Incorrect amount—The amount charged was incorrect.

Generally, chargeback abilities are limited to 120 days from the date of purchase and are not meant as a way to protect against loss, damage or theft after a product has been delivered or as an extended return protection or warranty benefit. 

How Do You Submit a Chargeback?

To dispute a charge and submit a chargeback, you must identify the transaction in question and work with your credit card issuer to initiate the process. Regardless of how you initiate your chargeback request, your bank will walk you through providing the information they require. 

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Amazon Pay ICICI Credit Card:

Best Suited For

• Co-branded Benefits
• 5% cashback on Amazon spends for Amazon Prime members
• 1% cashback on all other expenses

IDFC First Select Credit Card:

Best Suited For

• Rewards and Online Shopping
• 10X reward points on incremental spends of above Rs. 20,000 per month and spends done on your birthday
• 6X & 3X reward points on online & in-store spends, respectively*

HSBC Visa Platinum Credit Card:

Best Suited For

• Movies and Rewards
• 5X reward points on subsequent purchases made after spending Rs. 4 lakh or more in a year*
• 2 reward points on every Rs. 150 spent

Bank of Baroda Prime Credit Card:

Best Suited For

• Cashback
• 1% cashback on all your spends, i.e., 4 reward points (Equal to Re. 1 on redemption) for every Rs. 100 spent

RBL Insignia Preferred Banking World Credit Card:

Best Suited For

• Premium Privileges
• 5 reward points for every Rs. 100 spent on domestic transactions
• 10 reward points for every Rs. 100 spent on international transactions

Kotak Fortune Gold Credit Card:

Best Suited For

• Interest-free Cash Withdrawal
• Cashback of Rs. 750 or 4 free PVR tickets on spending Rs. 1.5 lakh in a year

Click on the link to know more about the benefits of using a credit cards: https://cardinsiderin.wordpress.com/2022/07/22/benefits-of-using-a-credit-card-for-purchases/

The benefits of credit cards are innumerable, and some prime ones are:

1. Buy on credit:

What makes a credit card attractive is the credit limit allowed to the cardholder. You can buy anything within that limit and pay later. Your monthly budget will not affect, even if you buy items of high value on credit. One among the most important benefits of credit card is you can convert the total amount of your purchases into low-cost EMIs to enable you to repay it easily over a period of time. This has helped revolutionize the shopping experience.

2. Most accepted method of payment:

You can travel anywhere, without carrying much money if you have this card. Being the most accepted method of payment, you can use a credit card to pay anything.

3. Interest-free cash withdrawals:

There are a few credit cards that allow you to withdraw money up to a certain limit in case of emergency, with no interest charged up to 45 to 50 days. You can make use of it in times of financial emergency.

4. Unlimited reward points:

These cards come with reward points when you use them. For instance, IDFC FIRST Bank credit cards offer unlimited and never-expiring reward points, which are easily redeemable.

5. Insurance coverage:

You get personal accident coverage, as well as comprehensive travel insurance coverage and this is one of the significant benefits of credit cards, which make them attractive.

6. Make travel easy:

The uses of credit cards in travel make them important. When it comes to IDFC FIRST Bank credit cards, they give you a unique experience through complimentary lounge access at the airports and railway stations in India and priority check-in. Other than these, you can also enjoy discounts on food in more than 280 restaurants.

7. Discounts and cashbacks:

The advantages of credit cards extend to discounts on some of your favourite entertainment and dining outlets, travel and shopping apps, etc. You can also enjoy fuel surcharge waivers at petrol pumps across the country.

8. Improve your credit score:

The benefits of credit cards do not limit to shopping on credit; instead, it helps improve your credit score. If you know how to use a credit card and how to make use of the credit period, and repay the amount used on time, you can boost your CIBIL score.

9. Offers safety:

You don’t have to carry much money if you have a credit card.

10. Keep track of your expenses:

The statements you get every month from netbanking helps you check your expenses and plan the repayment without any delay. 

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Features   Benefits of IDBI Credit Cards

IDBI Bank Royale Signature Card

• Earn welcome gift of 750 delight points on first usage of the IDBI Royale Signature Credit Card
• Earn 3 delight points for every Rs.100 spent
• Enjoy interest free credit of up to 48 days
• 1% fuel surcharge waiver 

IDBI Bank Euphoria World Credit Card

• Earn 6 delight points for every 100 spent IDBI Euphoria World Credit Card
• Earn 4,000 delight points on the first transaction of minimum 1500 within 60 days of receiving the card.
• Enjoy interest free credit of up to 48 days
• Waiver of 1% fuel surcharge every time you fill fuel across all fuel stations for transactions in the range of Rs.400 to Rs.5000.

IDBI Bank Aspire Platinum Credit Card

• Earn 2 delight points for every 150 spent
• Earn welcome gift of 500 Delight Points on first usage of the IDBI Aspire Platinum Credit Card within 30 days
• Enjoy interest free credit of up to 48 days
• Use the card at over 9 lakh merchants in India and over 29 million merchants abroad.

IDBI Bank Imperium Platinum Credit Card

• Enjoy credit limit as high as 85% of the fixed deposit using IDBI Imperium Platinum Credit Card.
• Enjoy higher cash withdrawal limit up to 70% of the credit limit
• Enjoy interest free credit of up to 48 days
• Earn 2 Delight Points for every Rs. 150 spent

IDBI Winnings RuPay Select Credit Card

• Earn 2 Delight Points for every Rs. 100 spent using IDBI Winnings RuPay Select Credit Card.
• Welcome benefit of flat 10% Cashback on all transactions with minimum value of Rs. 500/- done within 90 days of card receipt.
• Earn 500 more Delight Points with just 5 transactions of value Rs. 1000 each per month.
• Get double Delight points on your Birthday month.

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Benefits of multiple Savings Accounts:

1. Cater to every financial goal

Multiple Savings Accounts allow you to achieve multiple financial goals.

2. Offers Safety 

A basic Savings Account can be opened with any bank. However, you feel safe and secure having Accounts in reputed Banks where instances of fraud or theft are rare. Also, with multiple Savings Accounts, the risk factor associated with having money in one Account doesn’t hamper the functioning of other Savings Account. 

3. Receive High Interest 

You can get a high savings account interest. Although the interest is not as high as a Recurring Deposit Account or a Fixed Deposit, they can be quite useful for your financial savings. At ICICI Bank, you can avail these benefits on time. You choose from an array of Savings Account and open one as per your needs within 4 minutes. The interest rate is fixed but you can avail a range of benefits such as Life Insurance, Health Insurance Offers, Discounted processing fee on loans, Cashbacks, Reward Points and more. 

4. Easy Money Operation 

All Savings Accounts can easily be operated using a mobile or laptop. Using ICICI Bank’s Internet Banking facility and the iMobile Pay app, you can access your Savings Account anytime, anywhere. No matter where you are and at what time, you can make the most of all your Savings Accounts.

Cons of multiple Savings Accounts 

With multiple Savings Accounts, you may face certain inconveniences. So it’s better to be prudent while carrying out financial transactions in the long run. For starters, you can face some confusion while maintaining the minimum account balance and while managing these Accounts. However, consulting a prospective financial expert can help you to mitigate these risks and enjoy a seamless savings experience with multiple Savings Accounts. 

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Top Bank of Baroda Credit Cards in 2022.

• BOB Prime Credit Card.
• BOB ICAI Exclusive Credit Card.
• BOB ICSI Diamond Credit Card.
• BOB CMA One Credit Card.
• BOB Assure Credit Card.
• BOB Titanium Master Credit Card.
• BOBCARD Easy Credit Card.

Bank of Baroda, established in the year 1908, is a leading bank in India. It is one of the largest public sector banks in the country, providing banking solutions to people all over the world. It has over 5000 branches with its headquarters present in Vadodara, Gujarat.

Features and Benefits of BOB Credit Cards

 Bank of Baroda Prime Credit Card

Key Highlights: BOB Prime Credit Card allows you to earn cashback every time you swipe your credit card.

• Joining Fee: NIL
• Annual Fee: NIL

Features and Benefits:

Guaranteed issuance against fixed deposit of 15,000 or more without any income proof.

• 1% cashback on all spends.
• Fuel Surcharge Waiver
• Zero first year and annual fees. 

Bank of Baroda ICAI Exclusive Credit Card

Key Highlights: BOB ICAI Exclusive Credit Card allows you, as a member for the ICAI to earn reward points every time you spend with your credit card.

• Joining Fee: NIL
• Annual Fee: NIL

Features and Benefits:

• You will get 5 reward points for every Rs.100 that you spend on online, utility bills, and dining.
• You can get up to 3 free add-on cards.
• You can get a 1% waiver on fuel surcharge at all petrol stations across the country.