Best Buy Credit cards In India

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Here are some potentially helpful American Express card benefits you may not know you have. Not all the cards offer these perks  some may provide only a few of the benefits listed below, but here's what you need to know. 

1. Free shipping

Nowadays, free delivery is a coveted perk. Eligible American Express credit card holders can access just that through the complimentary benefit ShopRunner. Cardholders who enroll for ShopRunner benefits get free two-day delivery on qualifying purchases at more than 100 stores, as well as free shipping on returns. Terms apply. 

2. Foodie benefits

Depending on which American Express card you have, you may have exclusive access to the restaurant reservation tool Resy through the issuer's app or dining credits to restaurant and grocery delivery services like Uber Eats, Grubhub, Seamless and Boxed. 

3. American Express Pay It Plan It

The issuer offers its version of the recently popular buy now, pay later. With the Pay It Plan It® feature, account holders can pay off small purchases under $100 immediately with Pay It® or use Plan It® to pay off large purchases of $100 or more in smaller monthly installments — with a fixed monthly fee instead of interest. 

4. AmEx Pay Over Time

The Platinum Card® from American Express, the American Express® Gold Card, and the American Express® Green Card all offer this Pay Over Time feature, which allows you to finance eligible purchases over an extended term, with interest. This makes it possible for cardholders to pay off the minimum amount due on their cards, and then pay the rest of their balance over time, with interest. 

5. AmEx Send   Split

The AmEx Send   Split option, which is only available on personal American Express credit cards, offers holders a hassle-free way of sending and dividing bills. The AmEx Send feature allows you to send money to other Venmo and PayPal customers without the usual 3% fee. Meanwhile, the Split it feature will enable you to divide up bills with other Venmo and PayPal users directly through the American Express app. 

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Tier Points on the other hand help raise the customer’s Club Vistara Tier. There are four tiers namely; Base, Silver, Gold and Platinum. A higher tier will allow the customer to avail additional benefits such as lounge access, additional check-in baggage allowance, accelerated reward points earning and so on. Tier Points are valid for 12 months only. 

Key Highlights of Axis Bank Vistara Card

As a frequent flyer, there are a few things you probably always look for. These include complimentary flight upgrades, priority boarding, and a complimentary flight ticket or two. You get all of this and more with the Axis Bank Vistara Credit Card.

• Get a complimentary economy class flight ticket as a welcome gift.
• Get your Club Vistara membership for free.
• Earn 2 Club Vistara (CV) Points for every Rs.200 that you spend.
• Get economy class tickets for free when you reach milestone spends.
• Up to Rs.2.5 crore complimentary air accident insurance.
• Complimentary lounge access at airports in India.

Benefits & Features of Axis Bank Vistara Card

 So, what exactly do you get with the Axis Bank Vistara Credit Card? Well, here are the benefits:

Welcome gift: Get a complimentary one-way economy ticket in the form of a base fare voucher when you sign up for this card. The voucher is valid for 6 months and can be used when you book a domestic flight.

Club Vistara membership: Enjoy your complimentary Club Vistara membership with this card. This frequent flyer programme lets you earn accelerated rewards when you make bookings directly on Vistara's website or when you use their app to check-in. Each Club Vistara (CV) Point takes you that much closer to a different tier. Moreover, each tier opens a door of possibilities.

Earn 2 CV Points per Rs.200: Use your Vistara Credit Card on eligible spends and get 2 CV Points for every Rs.200 that you spend. These points can be redeemed for a flight ticket.

Up to 2 economy class tickets and bonus points: Depending on how much you spend each year, you not only get to earn bonus CV Points, but you also stand the chance to get up to 2 economy tickets.

Spend Rs.50,000 within the first 90 days from the date of issuance of your card and get 1,000 CV Points. Spends of Rs.1,25,000 earn you 1 economy ticket and spends of Rs.2,50,000 and more earn you 1 economy ticket as well.

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Features of Axis Bank Credit Cards

Axis Credit Cards comes with a variety of features and benefits.

• Axis Bank credit cards offer world-class privileges and card holders can enjoy unlimited discounts from various merchant outlets.
• Cashback options
• Higher purchase limits
• Over 500 rewards from Axis Bank’s EDGE Loyalty programme
• Discounts on dining, shopping and e-commerce transactions
• Airline vouchers
• VIP Lounge access at airports
• Create your own credit card using MyDesign
• Credit cards with embedded EMV chips for enhanced security 

How to Apply for Axis Bank Credit Card?

• You can apply for a credit card with Axis Bank:
• Online by checking out Axis Bank credit cards
• By getting in touch with your relationship manager
• Or visiting your nearest Axis Bank branch

How to Check Axis Bank Credit Card Status?

You can check the status of your Axis Bank by following these steps:

• Visit the official website of Axis Bank and select Track your Application Page.
• Click on APP ID.
• Enter Application Reference number..
• Click on submit.
• The application status will be displayed on the screen.
• Factors Determine Axis Bank Credit Card Limit
• Many factors determine the Credit limit on a Axis Bank Credit Card.

Applicant’s Income.

Applicant’s Age.

Any Loans & Liabilities attached to the applicant.

Applicant’s repayment capacity.

Applicant’s Credit History.

Applicant’s Credit Score.

Type of Credit Card issued.

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HDFC Bank is one of the most reputed and trustworthy financial institutions of India. It offers a wide range of financial products for its customers, including and not limited to bank accounts, Personal Loans, Car Loans, Business Loans, Investment Schemes, and Insurance Plans. Out of the diverse product portfolio of HDFC Bank, one of the most popular products is the wide range of Credit Cards offered by the bank. You can choose from the various Credit Cards offered by HDFC, depending on your spending patterns and lifestyle requirements. Moreover, the application process is extremely easy as you can submit your application through the bank website or mobile app with a few taps.

How to make most of your HDFC Credit Card?

The benefits of owning an HDFC Credit Card are truly incredible. Excellent Reward Points Program, waiver of Annual Fees, Airport Lounge access, Concierge Services, Low-Interest Rates, etc. are just some of the benefits offered by HDFC Credit Cards. This is the reason that they are often termed as the best Credit Cards in India by the customers.

Let’s walk through some of the time-tested ways to further enhance the benefits available on your HDFC Credit Card. The deals are bound to get even sweeter with tips shared below.

1. Pay entire dues on time:

You enjoy an interest-free period up to 50 days on your card. However, to avail of this benefit, you must pay the entire billing amount for a particular billing cycle by the due date. 

2. Redeem the reward points before they expire:

The reward points accumulated against your HDFC Credit Card come with an expiry period. This period can vary from a few months to two years, depending on the Credit Card you own. 

3. Maintain a good repayment record:

What makes HDFC Credit Cards the best Credit Cards in India is the fact that they come with high credit limits. Moreover, if you have been paying your Credit Card dues on time and have a good Credit Score, HDFC will enhance your credit limit periodically. 

4. Use at select outlets:

HDFC Bank enters into agreements with specific e-commerce platforms as well as retail chains periodically. Herein, customers using an HDFC Bank Credit Card to make the payment enjoy discounts, cash backs, bonus reward points, zero transaction charges, and various other offers. 

5. Identify transactions that offer more reward points:

The best aspect of more than 20 different Credit Cards offered by HDFC Bank is that you can choose one which suits your lifestyle. 

6. Time your purchases:

To enhance the benefits available against your HDFC credit card, you should time your purchases. As HDFC Credit Cards come with an interest-free period of up to 50 days, you can make high-value purchases towards the start of the billing cycle.

7. Spend more than the specified threshold:

Every Credit Card company charges a joining fee or annual fee against its Credit Card. 

Click on the link to know more about the difference between a prepaid card, a credit card, and a debit card: https://cardinsider.quora.com/Credit-Cards-vs-Prepaid-Cards-Know-The-Difference

Prepaid cards vs. credit cards:

Prepaid cards are very different from credit cards. This can be confusing because both types of cards may have a card network logo such as Visa, MasterCard, American Express, or Discover on them. When you use a credit card, you are borrowing money. Generally, when you use a prepaid card, you are spending money you have already loaded onto the card in advance. If your prepaid card provider also offers credit (including overdraft) on your prepaid card, it will need to comply with all the rules for other credit cards.  

Listed below are some of the benefits of Prepaid Credit Card:

• Prepaid Credit Cards can be an efficient budgeting tool as it helps you stick to the certain spending limit
• Card issuance is straight forward: no employment verification/ no credit score
• No need to have a bank account.
• Some banks allow ATM withdrawals.
• No debt/interests.
• Pay utility bills or any good and service.
• Function as a gift card or travel card.
• Pay employees' salaries.

Credit Cards 

Credit Cards including Visa, Mastercard, American Express are issued by banks or financial institutions allowing people to borrow money in the form of a card that has to be paid back in full amount by a certain date or in installments over time, with added interest and other agreed-upon charges. In simple terms, the issuing bank pays for your purchases on your behalf and you incur a debt that you will have to pay back later to the bank.  

Listed below are some benefits of credit cards:

• You can build your credit score when used responsibly. This will help in obtaining loans or mortgages later in your life.
• Security: If even your card gets lost or stolen, your funds are safe and will be reimbursed
• Credit cards offer many rewards such as cash back, rewards points, travel, and shopping perks, etc.)
• Many credit cards provide purchase assurance and extended warranties on your purchases. You can do a chargeback when the goods or services are not delivered.

Click on the links to know about cashback or travel credit cards: https://www.click4r.com/posts/g/4527883/cashback-or-travel-credit-card-which-is-better

Cashback Credit Cards

Cashback credit cards are those that you earn rewards on your spending in the form of cashback. You earn a percentage of your spending back into your account. Currently, Amazon ICICI credit card is the talk of the town, it is a cashback credit card. Both prime and non-prime members get cashback benefits on shopping Amazon. Hereunder are the pros and cons of having a cashback credit card.

Pros of having a cashback credit card

• They are affordable and ideal for first-time credit card users.
• The cashbacks are directly credited to the credit cardholder’s account, so you do not have to worry about redeeming them.
• There is no expiry date on the cashbacks.
• You can easily build your credit score from the scratch with this credit card.

Cons of having a cashback credit card

• The rewards are not flexible, you cannot convert the cashback to Airmiles, gift vouchers, or e-vouchers. Etc.
• If the credit card is not used properly, then you can easily fall into the debt trap.
• It is not necessary that you earn reward points in each and every spending category. 

Travel Credit Cards

Travel credit cards are those credit cards that let you earn travel points or Miles on your travel or on other spending. Travel rewards credit cards come in two variants generic travel credit cards and co-branded credit cards. Identify your needs and then choose the one which suits them the best. Here are the pros and cons of having a travel credit card.

Pros of having a travel credit card

• Travel credit cards offer you reward points and Miles on all your spending or on selected spending categories.
• The rewards are highly flexible and can be redeemed for any product or service that you wish to avail of.
• Most rewarding credit cards.
• You get to save money on your travel expenses.

Cons of having a travel credit card

• Travel credit cards can be a bit expensive as well so choose wisely.
• If not used wisely can also harm your credit score.
• The reward points or miles have an expiry date and they expire if you do not redeem them on or before the due date.

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So, what is the benefit of having a Credit Card?

Well, they are numerous. Whether it's booking a car ride or a movie ticket, purchasing expensive gadgets or a cool fashion accessory, shopping online or at a neighbourhood store, recharging your mobile or settling the utility bill, a Credit Card is one of the most convenient methods of making payments.

Here's list of key Credit Card benefits:​​​​​​​

• Convenience:
• Recurring payments:
• Recharges and tickets
• Interest-free credit:
• Rewards: 
• CashBacks and discounts
• Travel in style
• Expense tracker
• Safer:
• Credit score: 
• Extra Benefits:

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Features and Benefits of RBL Bank MoneyTap Black Credit Card:

Get 2 Reward Points for every Rs. 100 spent on all purchases such as travel, groceries, dining and electricity bill

Avail 5X Reward Points i.e. 10 Reward Points for every Rs. 100 spent online, up to 500 Reward Points in a month

Monthly Benefit: Earn 1000 Reward Points every month on making at least 5 transactions of Rs. 1000 or more

Get 10% discount on movie bookings on BookMyShow, up to Rs. 100, any day of the week, 15 times in a year

Complimentary access to domestic airport lounges, up to 1 visit per calendar quarter

Earn 8000 Reward Points on annual online spends of Rs. 2.5 lakh

Earn additional 8000 Reward Points on crossing annual online spends of Rs. 4 lakh

Fuel Surcharge Waiver at all fuel stations. This is valid for fuel transactions between Rs. 500 and Rs. 4,000. The maximum waiver of Rs. 100 per month

Conclusion

One must always go through all the best available credit cards before applying for one. Good CIBIL can make the whole process of getting a card much easier. There will be hidden charges and taxes while applying for a credit card, hence, always read all the terms and conditions before applying for one. It's advised to always spend wisely; don’t overspend because ultimately, it is you who'll have to pay for all the expenses. By reaching the end of this blog, we hope you'll be making an informed decision on the right RBL Bank credit card that suits you!

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1. Missing Payments of Credit Card Bills

Many credit card users think that missing a few payments on a credit card is not a big deal. However, missed payments or even a late payment can lead to a huge debt. This is because whenever you miss a payment, interest charges are levied on your unpaid balances. The important point to note is that credit card interest rates are the highest, ranging from 2% to 3.5% per month, or higher. Also, the interest is levied on a daily basis and hence increases day by day, leading to huge debt. That’s why it is necessary to pay your credit card bills in full and on time. 

2. Only Paying the Minimum Amount Due

Credit card issuers make it convenient to repay your balance by allowing minimum payments. However, it is not advisable to only pay the minimum due. Paying the minimum amount and revolving the balance to the next cycle can equally damage your finances as any missed or late payment. This is because interest is levied on the unpaid balance and even when you pay only the minimum amount, the interest charges will be levied on the remaining balance.

3. Taking Cash Advances and Spending on Unnecessary Things

Taking out a cash advance happens to be one of the costliest things you can do with your credit card. It may look like the most convenient way of getting some cash at your disposal, but it is also the most expensive one. As soon as you withdraw the cash, the interest starts accruing on the amount withdrawn. 

4. Not Maintaining Credit Utilization Ratio

Using the majority or even all of your available credit limit is not considered a good idea. When you do this, your credit utilization ratio becomes very high which might lower your credit score. Credit experts advise maintaining a utilization ratio of 30% or below. But if you cannot maintain this ratio, try and keep at least 20% of your total credit limit free. This not only helps you in maintaining a good credit score but also ensures credit availability during emergencies.

5. Not Choosing a Right Credit Card

Getting a credit card without being aware of the terms and conditions associated with it is a very common mistake people tend to make. Suppose you are not someone who frequently travels, then choosing a credit card that is primarily focused on providing travel benefits, is not preferable for you. In such a situation, you will neither be able to avail the benefits of the card nor will the card be able to fulfill your requirements.

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Top Kotak Bank Credit Cards

Here is the list of the 5 best credit cards that are offered by Kotak Mahindra Bank and you can use them for different purposes.  

The eligibility criteria to apply for Kotak Bank Credit Card

The applicant must be a citizen of India.

The minimum age to apply for Kotak Bank Credit Card is 21 years and the maximum is 65 years. If there is an add-on cardholder along with a primary cardholder, in that case, the add-on cardholder must be between the age of 18 years.

The Kotak bank credit card could be easily applied at various locations like Bangalore, Chandigarh, Chennai, Gurgaon, Delhi, Noida, Hyderabad, Mumbai, Kolkata, Pune, and Ahmedabad.

The minimum monthly income requirement to apply for credit is Rs 3 Lakh per annum.

Must be having a good credit score i.e., 750 or above.

Documents required to apply for Kotak Bank Credit Car

Both Self-employed and Salaried 

Filled Credit Card Application form

Passport-size photographs

Identity Proof- PAN Card, Aadhaar Card, Voter ID, Driving License, Passport, etc

Residence Proof- Utility bills, PAN Card, Aadhaar Card, etc

Salaried- Income proof

Latest salary slips

Form 16 of 3 Years

Latest 6 months bank statements

Self-employed- Income Proof

Income proof

Account Statements

Business proofs

Major categories of Kotak Bank Credit Card

Rewards and Cashback Credit Cards

Travel Credit Cards

Shopping Credit Cards

Entertainment Credit Cards

Premium Credit Cards

Business Credit Cards 

Credit Limit of the Best Kotak Mahindra Bank Credit Cards

There is no fixed limit of the Kotak Mahindra Credit Cards. If you like any card then you can apply for it after paying the joining fees. The credit limit will be decided by the bank at the time of issuing the card. Your income and Cibil Score will be responsible for a high credit limit on the above cards. If you are earning well then the bank will offer a high limit on these cards.

Click on the link to know more about the FAQ on the credit score in india: https://kirtibhargav.substack.com/p/faq-on-the-credit-score-in-india

What's CIBIL all about?

Founded in 2000, the Credit Information Bureau of India Limited (CIBIL) collects a record of an individual's loans and credit cards. CIBIL, which is ISO 27001:2005 certified, is divided into two divisions, namely, consumer bureau and commercial bureau. The consumer bureau (launched in 2004) has over 260 million records while the commercial bureau (launched in 2006) has over 12 million records. TransUnion International and Dun and Bradstreet are CIBIL's technical partners.

What's a CIBIL score?

Banks, as part of their due diligence process, gauge the creditworthiness of individuals based on credit scores. The information listed on your credit report includes several variables that CIBIL uses to set your credit score. CIBIL score, therefore, reflects the extent of the probability of a default. An individual's credit history is submitted to CIBIL by banks and financial institutions on a monthly basis.

What do high and low credit score determine?

A high CIBIL credit score essentially means less probability of a default. A low CIBIL credit score reflects high probability of a default.

How can you get your CIBIL score?

Log on to the CIBIL website and click on the ‘know your score' tab to get a personalized credit score. Fill an online form which requires you to include details such as your name, date of birth, income, identity proof, address and phone number, in addition to the loans taken by you. Following payment of a certain sum, you will have to submit authentication details which include questions based on your credit history. After authentication, your credit score will be emailed to you.

Will checking your score have negative repercussions?

Experts suggest checking one's CIBIL score once a year. The practice is often considered a ‘soft inquiry' as opposed to credit card issuers asking CIBIL for your score, known as a ‘hard inquiry' (mentioned in the ‘enquiry section' of your report). Also, if you apply for a loan with various banks at the same time, it will result in hard inquiries which may have a negative impact your score.

Will opting for a credit card decrease my score?

If you have a zero outstanding balance on your old credit card, there is no reason to unduly worry about it and close it. If you have a credit card with a clear payment history, it will not only reflect your responsible credit behaviour but also keep your utilization rate low, which impacts your score positively.

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1. HSBC Visa Platinum Card

This Credit Card from HSBC provides you with a chance to earn great rewards and avail exciting offers. From lifestyle shopping to everyday expenses, this HSBC Visa Platinum Card has got you covered.

2. HSBC Premier Mastercard Credit Card

Coming with many benefits and rewards, HSBC Premier Mastercard Credit Card provides you with a privileged lifestyle.

3. HSBC Advance Visa Platinum Card

Designed to complement your lifestyle, HSBC Advance Visa Platinum Card offers some of the best rewards and discounts. You are privileged to enjoy a host of offers ranging from travel privileges to dining, shopping, and more.

4. HSBC Cashback Credit Card

HSBC Cashback Card is enabled with the VISA Paywave Technology, that allows you to make contactless transactions. This globally accepted HSBC Credit Card offers unlimited cashback on all transactions.

5. HSBC Smart Value Credit Card

Keeping your money and time in mind, HSBC has designed this Smart Value Credit Card, which offers great rewards and discounts on your every transaction.

Click on the link to get full information about the Secured credit cards:  https://cardinsider.mystrikingly.com/blog/secured-credit-cards-everything-you-need-to-know

Secured credit cards vs. unsecured credit cards

Whether you need a secured card comes down to how good your credit is.

For unsecured cards, which don't require a deposit and therefore pose more risk to the issuer, credit-card companies typically require at least average credit, and good or excellent credit for the best ones.

How secured credit cards work

Once the initial deposit is paid, secured cards work just like unsecured ones:

• You can use them wherever credit cards are accepted, including online.
• Your bill comes monthly, and you pay for the purchases you've made. (Your deposit is not used to pay for purchases. See the difference between secured and prepaid cards, below.)
• You incur interest if you carry a balance.
• You can build or rebuild your credit by using the card responsibly and paying your balance on time.

Click on the link to know more about the credit card Approval Process: https://sites.google.com/view/credit-cards-india/home/credit-card-approval-process

How do you apply for a credit card?  

There are multiple ways to apply for a credit card. You can apply for one online or by visiting the nearest branch. Often, they can be applied through many promotional stalls set up at various events or through the field service officers of the bank. If you submit an online application, a representative of the bank will visit you to collect your documents. 

What are the documents needed to apply for a credit card? 

The documents you would need to submit with a filled-up application form are: 

• Identity Proof 
• Address Proof 
• A copy of your PAN card 
• Income/ Employment proof 

The Processing and Verification of your Application 

Once you have submitted all the necessary documents, the bank starts the process of verifying the authenticity of your documents. They will check all the documents and may also call and talk to the references provided in your application. Your employer may also be approached to check for the correctness of the details that you have provided. Also, the verification may be expediated if you operate a salary or loan account of a fixed deposit with that bank. 

Credit Score Check 

Credit Score is an important determinant for your application getting accepted or rejected. A credit card is an unsecured credit, so the issuer of your card would want to be doubly sure about your creditworthiness before your application is accepted. The only way to do this is through your credit score. A good credit score indicates that you behave responsibly towards credit and that makes you eligible for further credit.  

The Final check  

After the credit score and the initial documents check, a final check of all documents is carried out before taking a call on either accepting or rejecting the application. If the application is accepted, the issuing bank sets your credit limit based on your income and other deciding criteria like your credit score, etc. The individual is intimated about the acceptance of the application.  The approved credit card is then sent with all the relevant documentation regarding the terms and conditions to the applicant. 

Time taken for the approval  

Generally, the entire process from submission to approval may take about 10-15 days depending upon the kind of card you have applied, and the documents submitted. 

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Are rewards credit cards worth it? In most cases, yes—which is why we’re giving you the information you need to get the most out of your rewards-earning credit cards. In this guide, we’ll go over the following: 

Points and miles

Point-based cards and miles-based cards work similarly. Instead of earning dollars on every purchase, you earn either points or miles. Like cash back, you usually earn points or miles on your purchases at a set rate—one point per dollar spent, for example. Many points and mile-based rewards cards increase your rate when you spend in certain categories.

The Capital One Venture Rewards Credit Card, for example, offers a flat rate of 2 miles per dollar on general purchases. Cardholders can also earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel.  

How do credit card rewards work?

Earning rewards is only half the battle. When you’re ready, you can redeem your credit card rewards for money-saving opportunities. Redemption options may include:

• Travel bookings: Save money on flights and hotels or earn enough rewards for a free flight.
• Statement credits: Reduce the amount of money you owe on your credit card.
• Online shopping credits: Reduce the amount you pay at checkout when you shop with popular online retailers. 

Should you get a rewards credit card?

If you’re going to get a credit card—which is a smart move, since getting a credit card can help you build good credit to receive better terms on other financial products like mortgages—it’s a good idea to apply for a rewards credit card.

Why? Because when it comes down to the choice between a credit card that offers rewards and a credit card that doesn’t, choosing a credit card that doesn’t offer rewards is like leaving money on the table. Also, there are plenty of fantastic rewards cards that charge no annual fee.

When should you consider alternatives to rewards credit cards?

Some non-rewards credit cards have their advantages. The Citi® Diamond Preferred® Card, for example, doesn’t offer rewards on purchases, but it does offer 0 percent intro APR on purchases for 12 months from account opening and 21 months on balance transfers (followed by 14.49 percent to 24.49 percent variable APR thereafter). If you want to use a balance transfer credit card to pay off debt, the Citi Diamond Preferred might be a good option.

Likewise, most secured credit cards don’t offer rewards, but they can be excellent tools to help you rebuild your credit.

Click on the link to know more about the credit cards and make right choice: https://kirtibhargav.substack.com/p/how-to-compare-credit-cards-and-make

1. HDFC's MoneyBack credit card - best for beginners

if you are new to the world of credit cards, then HDFC's MoneyBack credit card is the right pick for you. using this card is a great way to start building your credit score while saving money. with  

2. - HDFC Diners Club Black card - best premium credit card

this credit card is the whole package for high-end spenders with unlimited global lounge access and competitive bonuses. the HDFC Diners Club Black card has a credit limit of ₹4 lakhs, making it the ideal premium credit card. 

3. IndusInd Bank Pioneer Legacy card - best zero annual fee credit card

the IndusInd Bank Pioneer Legacy card has the highest reward rate among all lifetime free credit cards in India. you'll be able to bag a 1% rewards rate on all your weekday expenditures (1 point per ₹100 spent) and an even better 2% on the weekend.

4. SBI Card PRIME - best lifestyle credit card

dubbed as the best credit for utility bill payments, SBI Card PRIME comes with a priority pass for 4 free international and 8 free domestic airport lounge visits.

5. American Express Platinum Travel credit card - best credit card for travel

the American Express Platinum Travel credit card is the perfect pick for a frequent traveler. along with complimentary lounge access, this card offers additional travel gift vouchers.

6. Standard Chartered DigiSmart - best credit card for online shopping

the Standard Chartered DigiSmart credit card is meant for anyone who prefers online shopping. you can get up to 25% discount for travel, clothes, food, groceries, movie tickets, or cab rentals. with this credit card, you save up to ₹3,450 per month.

7. SBI Student Plus Advantage credit card - best for students

college students looking to manage their expenses can consider the SBI Student Plus Advantage credit card. this is an exclusive card for customers who have taken an educational loan with SBI. you can get your card against a fixed deposit, making it a secured credit card that doesn't require an annual fee.

8. Kotak Mahindra Essentia Platinum card - best for grocery shopping

a massive chunk of our monthly expenses goes into grocery shopping. as per a survey, grocery shopping took almost 28% of the average Indian's entire budget.

9. Axis Pride Signature - best credit card for NRIs

are you an NRI in need of a credit card that offers great value back on all your spending? look no further because the Axis Pride Signature is the best among the lot. 

10. ICICI's Business Advantage Black card - best business credit card

ICICI's Business Advantage Black card is one of the best business cards out there. this exclusive card aims to drive businesses safely. you stand to receive up to 1% cashback on both domestic and international expenses. this card does it all, from air travels to car rentals to professional services, such as accounting services, advertising, marketing, etc. 

Click on this link to know more about the 5 best SBI Credit Cards: https://www.slideserve.com/kartik7/top-5-best-sbi-credit-cards

SBI is one of the most trusted banks when it comes to Credit Cards and hence, many people tend to choose an SBI Credit Card, depending on their need. 

Here are Five Best SBI Credit Cards Available in India:

1. SimplySAVE Credit Card

Now save more on all your transactions with SimplySAVE SBI Card. The card offers unlimited privileges to the use. 

2. Yatra SBI Credit Card

If you are a frequent flyer, the Yatra SBI Card is just made for you. This card offers various benefits on domestic as well as international flight bookings. You can also use this card for your day-to-day purchases.

3. SBI Card ELITE

This card has several benefits for frequent flyers, especially international flyers. Get complimentary lounge access and attractive offers and discounts on airfares, hotel bookings, movie tickets, and so on.

4. SBI Card Prime

Get SBI Card Prime to avail maximum benefits on your travel bookings, hotel booking, grocery shopping, online shopping and other spends.

5. Air India Signature SBI Card

If you travel frequently by air or train, this card is best for you. It provides multiple benefits on booking flights through Air India.

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Top Standard Chartered Credit Card in India

The top three best Credit Cards from Standard Chartered Bank are given in the table below. You can check the eye-catching features of each card.

Best Features of 3 Standard Chartered Credit Card

You can explore the USP of every card and see what makes them best worth applying for.

Smart Credit Card

It is a cashback credit card and it will earn you cashbacks on online and offline transactions. On the other hand, you can save up to INR 12000 on online transactions and INR 6000 on offline transactions through this credit card. It will lead to a maximum savings of INR 18000 in a year. It is one of the best cashback credit cards in India.

DigiSmart Credit Card

This credit card fulfills the purpose of dining, traveling, entertainment, and online shopping. You will enjoy great offers on Myntra, Zomato, INOX, Yatra, and OLA. All these brands are from different categories and it is an all-rounder credit card.

Platinum Rewards Credit Card

The Platinum Rewards Credit Card from the Standard Chartered Bank gives you the privilege to earn thousands of reward points. It is one of the best reward point credit cards. You can make various transactions through this card and multiply your reward points.

Click on the link to know more about the best Lifetime credit cards: https://cardinsider.quora.com/Top-5-Lifetime-Free-Credit-Cards-in-India

Best Lifetime Free Credit Cards in India 2022 

These cards do not cause any problems and relieve you from the nuisance associated with joining fees and annual fees. In addition to this, they also offer you amazing rewards if you purchase items through them. Without much ado, here are the Top 10 Best Lifetime Free Credit Cards that exist.

• ICICI Instant Platinum Credit Card
• HSBC Visa Platinum Credit Card
• Citibank Rewards Domestic Credit Card
• SBI Unnati Credit Card
• ICICI Amazon Pay Credit Card
• Kotak Royale Signature Credit Card
• Axis Bank Insta Easy Credit Card
• IndianOil Citibank Platinum Credit Card
• Central Bank of India MasterCard Titanium Credit Card
• Kotak 811 #DreamDifferent Credit Card 

How to Apply for a No Annual Fee Credit Cards Online?

To apply for a no annual fee credit card online you can either visit the official website of the concerned credit card provider or apply through MyMoneyMantra, a leading online lending marketplace.

All you need to do is, fill in a basic credit card application form, and submit your contact details. The bank or MyMoneyMantra representative will get in touch with you to gather more details (as required) and provide complete information about the card.

If you are eligible for the card, the representative will collect documents from your doorstep and submit them to the card provider.

After verification of the documents and information provided by you, and after successfully meeting the criteria of the card provider, your application will get approved and the card will be delivered to your doorstep. 

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Many different kinds of credit cards are available to cater to the varied needs of customers. One can select the credit card that is best suited to one’s spending habits and, accordingly, save more on daily expenses through reward points, cash-back, discounts, offers, etc. 

People looking to take a credit card often find it difficult to zero-in on the perfect credit card. Unfortunately, there is no single card that meets everybody’s needs. The best way to find the right card for you will depend on your personal spending patterns and interest in rewards. It is advisable that you take a step back and understand your reason to opt for a card; this will  help you in your decision-making process.

 Here we share tips and guide you on how to choose the right credit card. Credit card is a double-edged sword which can build as well as destroy your credit history. Hence, it is important that you learn about all the details related to a credit card before applying for it.  

Vijaya Rupay (a no fee, global card) offers 12 lounge visits free and 5% cash-back on dining and utilities. This is best, if you are a low spender. 

 The Air India SBI Signature card offers eight domestic visits/year and Rs11,250 in bonuses. Consider this if you fly Air India.

 The ICICI Sapphiro Amex card offers four quarterly domestic lounge visits. The US$99 annual membership fee for Dreamfolks DragonPass is complimentary. Consider this card, if you are not a high spender but interested in hotel perks.

 You also stand to earn miles that you can convert to free flight or complimentary nights at star hotels. Citi Prestige offers priority pass membership, buy four nights, get one hotel night free. Consider this, if you have Citigold Private status and you are a high spender.

 Axis Bank's Pride Signature Credit Card is the best travel rewards card with an easily achievable annual fee waiver. The first year is free but you would technically be charged Rs500 in the following years if your annual spend is less than Rs40,000. 

Click on this link to know more about the cashback credit cards: https://cardinsider.quora.com/Everything-You-Need-To-Know-About-a-Cashback-Credit-Card

What are cashback credit cards?

Cashback offers are one of the most popular offers right now. Online consumers are well-aware of how cashback works. Digital wallets, food delivery apps, ecommerce portals all offer cashback offers to entice customers to spend and shop more.

How do cashback credit cards work?

Every time you use the card, a percentage of the amount you spend is credited to your account in the form of cashback. For instance, if your card gives you 1% cashback, then you earn Rs. 10 for every Rs. 1000 spent. 

Which transactions qualify for cashback offers?

It depends on the card type you choose. Today, the majority of cashback credit cards offer cashbacks for all kinds of expenditures like shopping online, in-store purchases, dining, travel, fuel, lifestyle purchases, utility bill payments and more. 

Types of Cashback Credit Cards

Cashback credit cards can be classified into different tiers, based on how much cashback they offer:

• Some cards offer a fixed percentage as cashback, irrespective of how much you spend and where you spend.
• Some cards offer tiered cashback depending on the total amount you spend using the card in a year. To give an example, you earn 1% cashback if you spend less than Rs. 1 lakh annually and 2% cashback when you spend more than that. Be extra careful when choosing this type of cashback credit card, as you could end up spending more than you usually would, to earn the extra cashback.
• Other cards offer different rates of cashback, depending on where you spend. For example, you could earn 3% for fuels, 2% on dining out, 1% on online purchases and so on.

Click on the link to know more about the 7 factors to consider when comparing credit cards:  https://cardinsider.my-free.website/blog/post/1876015/factors-to-consider-when-comparing-credit-cards

1. Understand Your Financial Profile and Spending Habits

Before you start comparing credit cards, it’s best to understand your own financial profile. Your credit score and credit history play a big role in what type of credit card you can get. Most high-end credit cards are typically reserved for those with excellent credit, though there are plenty of cards available for those simply looking to establish their credit history, too. 

2. Ask Yourself: Why Do I Want a Credit Card?

Whether you’re getting your first card or adding to a collection, ask yourself why you want a credit card. 

If you’re an avid traveler, look into cards that offer hotel, airline, or general travel rewards.

If you’re a small business owner, a cash back business credit card can help you pay for company expenses.

3. Compare Credit Card Rewards

One of the biggest benefits to having a credit card is that many offer rewards for purchases you’re already making. Some cards offer a percentage of purchase spending as cash back, redeemable for statement credit, while others offer points or travel miles for every dollar you spend. 

4. Compare Annual Fees

Another way to compare credit cards is by annual fee, which can range anywhere from none to upward of $450 for “elite” travel cards.1 Typically, cards with more lucrative rewards charge higher annual fees.2 But that doesn’t mean you can’t find a great rewards card with no annual fee. 

5. Compare Interest Rates

Credit cards can have a variety of different interest rates, aka APRs. APRs for purchases, balance transfers, and cash advances, for example, are usually all different. 

6. Compare Additional Fees and Penalties

Along with APRs and annual fees, some common credit fees include balance transfer fees, cash advance fees, foreign transaction fees, late fees, returned payment fees, and many more.

7. Compare Extra Benefits

Many credit cards offer additional benefits like rental car insurance, airport lounge access, roadside assistance, and extended product warranties, to name a few. 

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However, with its advantages, holding multiple applying for this credit card comes with its own share of cons. If you do not keep a constant check on the credit cards you own, the debt keeps on accumulating. Paying off these credit card bills can become difficult, especially if you have other bills to pay. 

How to successfully manage multiple credit cards?

In order to manage the credit cards, you have, here are some pointers which you can follow.

Check and keep in mind the credit limit on each card

In order to manage the multiple credit cards, you own, the credit limit on each card must be checked whenever you make a transaction or purchase, no matter how small. The credit limit on a credit card is offered by the bank depending on your credit score and credit history. The lower your credit score, the lower your credit limit. However, you can always request a higher credit limit while applying for the credit card. 

Keeping a constant check on your credit limit helps you plan your finances according to pay off the bill and also how careful you should be on spending with your other credit cards. Most people keep making purchases with credit cards thinking it is a small transaction, and at the end of the billing cycle, are left with multiple bills of large amounts to pay off.

It is essential that you plan your finances on each of the credit cards you own. Since you have two or more credit cards, you can split the monthly expenses between these credit cards to prevent any kind of excess expenditure made on one card. 

Click on the link to get full Information about the pros and cons of cash-back credit cards: https://creditguide.mystrikingly.com/blog/pros-and-cons-of-cash-back-credit-cards 

Cash-back credit cards have both benefits and drawbacks. Depending on your spending, another type of card might offer better rewards or save you more money over the long term.

Before you sign up for a cash-back credit card, consider these pros and cons. 

Pros of Cash-Back Credit Cards Explained

Cash rewards: Each cash-back credit card has its own earning scheme, but they all offer the same straightforward, easy-to-use benefit: cash back for each dollar you spend. Some cards offer rewards at a flat rate, such as 1.5% back on all purchases. Others, such as Chase Freedom, provide higher levels of cash back on certain categories of purchases, such as gas or groceries, that either stay the same or rotate each quarter.  

Most have no annual fee: Most of the top cash-back credit cards on the market don’t charge an annual fee. That means you won’t sacrifice some of your rewards to a fee, and you can keep the card open fee-free even if you decide to primarily use a different one in the future. That’s worthwhile, because a longer credit history can strengthen your credit score. 

Many offer sign-up bonuses: Like travel rewards credit cards, many cash-back credit cards offer a sign-up bonus if you meet a minimum spending requirement within the first few months. These bonuses can be worth hundreds of dollars. 

Shopping perks: Some cash-back credit cards (as well as many travel rewards credit cards) offer benefits that can safeguard your purchases or save you money. These perks include a lowest-advertised-price match, extended warranties, return guarantees (or a refund if a store won’t accept a return), cell phone protection, and more. Not all cards offer these features. Read your card’s benefits guide for a detailed breakdown.

Click on this link to know more about travel credit cards: https://cardinsider.tumblr.com/post/670722048737312768/a-guide-to-travel-credit-cards-for-beginners

What is a travel credit card?

There are many different types of credit cards, including cash back credit cards, cards that offer no rewards, store credit cards (like a Target-brand card) and, of course, travel credit cards.

The subset of travel credit cards can be further drilled down into three typical types:

• Hotel credit cards.
• Airline credit cards.
• Flexible currency credit cards (also known as general travel rewards cards).

Hotel credit cards will typically allow you to earn points towards a specific hotel chain, such as Hilton or Marriott. Airline cards, likewise, will allow you to earn miles for specific airlines, like United and Delta.

Flexible point currency cards, however, are offered by specific card issuers. American Express and Chase are two common examples for this. They earn points that you can then choose to transfer and redeem via partnerships with other businesses and loyalty programs, including several hotels and airlines. This makes them much more flexible to use than other point currencies — hence the name flexible point currencies. Terms apply. 

Many travel credit cards come with a welcome offer that will award you a lump sum of points after spending a certain amount on the card after a specific amount of time. After this, you continue to earn points by using your credit card on purchases, just like other types of credit cards.

There are different tiers of credit cards. While some travel credit cards come without an annual fee, several cards do charge to have the card in your wallet. These fees generally range from $95 annually to upwards of $550. Oftentimes, understanding the value of the included perks and some quick math can help you judge whether a specific card is worth its annual fee.