Best Advice about Credit cards

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Features of Amazon Pay ICICI Credit Card

• No joining fee or annual fee for this card.
• This card is an invite only credit card, so one needs an invitation to become a cardholder. People can apply through the Amazon website as well, but not through ICICI bank.
• For Amazon Prime members there is a 5% cashback in the form of Amazon Pay balance on any purchase made from Amazon’s website.  

What are the key benefits of Amazon Pay ICICI Bank Credit Card?

Amazon Prime cardholders earn 5% back on Amazon.in purchases except for payment towards e-books, gift cards (both physical and digital), and 2% on load and reload of Amazon Pay balance: Money, bill payments, mobile and DTH recharges. No earnings for gold and EMI purchases on Amazon.in

Non-prime cardholders earn 3% back on Amazon.in purchases, except payment towards e-books, gift cards (both physical and digital), and 2% back on Amazon Pay balance: Money load and auto reload, bill payments, mobile and DTH recharges. No earnings for purchase of gold purchases through EMI payment option

1. Earn 2% back on 100+ Amazon Pay partner merchants (list of merchants accepting Amazon Pay) by using this card on Amazon Pay as payment method
2. Earn 1% back on all other payments except fuel purchases
3. No joining fees or annual fees
4. No limits on earnings for this credit card
5. No expiry date to your earnings
6. 1% surcharge waiver for all fuel purchases

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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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Welcome Benefit

Make a transaction of Rs. 75,000 within the first 3 months and get a complimentary annual Zomato Pro Membership. Also, get exclusive complimentary Dineout Passport Membership with your Regalia credit card.

Lounge Access

Enjoy 12 complimentary airport lounge access per year within India and 6 outside India with this HDFC Credit Card.

Spending-based Benefits

Spend Rs. 5 Lakhs in an anniversary year from your HDFC Regalia Credit card and get a bonus 10,000 reward points. Also, get additional 5,000 reward points on Rs. 8 Lakhs spends

Zero Liability on Lost Card

In case of loss and theft of the card, report immediately to 24x7 HDFC credit card customer care and you'll have zero liability on any fraudulent transactions made on your card.

Fuel Surcharge Waiver

Avail 1% fuel surcharge waiver for fuel transactions performed at any fuel stations across India. The waiver is valid on card transactions between Rs 400 to Rs 5,000 and the maximum surcharge waiver is capped at Rs. 500 per statement cycle. 

SBI PRIME CREDIT CARD

SBI Prime is latest from SBI card to replace it's platinum card range. Infact SBI has changed all SBI platinum cards benefits to SBI Prime Card from 1st June 2017. Available in Visa's Signature version or Mastercard's world version. Best part of this card is free national   international lounge access. 

Reward Benefits:

Annual Fees Rs.3000+15%= Rs.3450 (waived if spend Rs.3,00,000 in a year)

Welcome benefit: Free Rs.3000 gift voucher from either of one from Bata/Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop and Yatra.com.(one time)

• 20 Reward Points per ₹ 100 spent on standing instructions of Utility Bills payments (5% value)
• 15 Reward Points per ₹ 100 spent on BigBasket, Reliance Fresh, Reliance Smart, Reliance Footprint, Reliance Trends and Sahakari Bhandar stores (3.75% value)
• 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental stores and Movies(2.5% in value)
• 2 Reward Points per ₹ 100 on all other retail spends(0.5% value)
• Enjoy 20 Reward Points per ₹ 100  spent on your birthday (5% value) Wow
• Adjust each 4pts for Re.1 as credit in card bill.(Best part)

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Almost all card providers in India have at least one super-premium credit card on their list, targeted toward individuals with high income. Super-premium credit cards are packed with huge benefits across multiple categories but they also charge a high annual fee for it. So, before we go on and talk about the top super-premium credit cards in India, here are the 3 most important things which you should keep in mind: 

3 Most Important Facts about Super Premium Credit Cards 

1. Not everyone will qualify for super-premium credit cards

2. They usually carry a very high annual fee (Rs. 10,000 to Rs. 20,000), sometimes even beyond Rs. 50,000

3. Unlike regular cards, super-premium credit cards come with exclusive benefits

Differences Between Premium And Non-premium (Regular) Credit Cards

Premium credit cards are loaded with certain types of features and benefits which separate them from the regular credit cards. The premium benefits in these cards also mean that the fees and charges for some of them might be higher than those of the regular cards.

If you are wondering about how to distinguish a premium card from a non-premium one, the following section would help you in your attempt.

Fees and charges:

The associated fees and charges are generally higher for the premium cards as compared to those of the regular ones. These include the joining fee, the renewal (annual) fee, etc.

Eligibility criteria:

In addition to the other criteria, to be eligible for the premium credit cards, you need to have a relatively high annual income which is above Rs.50,000 for most such cards.

On the other hand, there are regular cards which have an income criterion of as low as Rs.12,000 per month.

Joining bonus:

Most premium cards offer attractive joining bonus offers like reward points in bulk, complimentary air tickets, air miles, etc.

The regular credit cards either don't offer any joining bonus and even if some of them do, it's not very rewarding.

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Key Highlights of HDFC Regalia First Credit Card

Spend Rs.1 lakh in first 12 months and become eligible for the renewal fee waiver for the next membership year.

Under HDFC Bank's ‘Good Food Trail' program, you can enjoy exclusive dining privileges that provide up to 40% discount on dining bills spent at partner restaurants in your city.

Enjoy 3 free visits to priority pass lounges outside India in a calendar year. You need to apply for priority pass membership after completing at least 4 transactions in the last 60 days.   

HDFC Bank Regalia First Credit Card - Features and Benefits

Travel Benefits

Avail complimentary membership to Priority Pass Program which provides preferential access to more than 1,000 airport lounges across the globe.

Enjoy 3 free visits to priority pass lounges outside India in a calendar year. You need to apply for priority pass membership after completing at least 4 transactions in the last 60 days.

Avail comprehensive insurance coverage against several risks. A compensation of Rs.50 lakh will be provided to your nominated kin in the event of an air accident.

For lounge visits within India, cardholders can utilise the Visa/MasterCard Lounge Access Program offered on the card. The program provides 8 free lounge visits in a calendar year to the primary cardholder.

Insurance Benefits

In case, there is a medical emergency in a foreign country, you can avail Rs.10 lakh as medical emergency protection cost. In addition to it, the card offers credit liability cover of up to Rs.5 lakh.

Annual fee waiver:

Spend Rs.1 lakh in first 12 months and become eligible for the renewal fee waiver for the next membership year.

Dining Benefits:

Under HDFC Bank's ‘Good Food Trail' program, you can enjoy exclusive dining privileges that provide up to 40% discount on dining bills spent at partner restaurants in your city.

Fuel Benefits:

Avail 1% surcharge waiver on all fuel transactions with a minimum transaction value of Rs.400 to maximum Rs.5,000.

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How Rewards Work? 

Most of the banks assign a certain number of reward points for every Rs. 100 spent on your credit card which can be redeemed for merchandise or gift cards. Some credit cards offer extra rewards on specific usages, such as dining, travel, online shopping, etc. The trick here is that rewards are characteristically complex since they are not calculated in terms of cash. Unless a good deal of points is accumulated, they won't be of much use. Online redemption of reward points is one of the most convenient ways to redeem your earned reward points. You can also convert your reward points into air miles and later redeem them to buy air tickets. 

1. Rewards Cards Aren't One-Size-Fits-All

Credit card companies save their savviest marketing tactics for cards with the biggest bonuses, luring consumers in with promises of access to exclusive events and five-figure batches of miles—but the card with the most eye-popping deal may not be the card that's best for you. 

2. A security deposit makes a credit card easier to get

If you're having trouble getting approved for your first credit card — say, because you're starting out with no credit at all — try a secured credit card. 

3. Your first credit card can build your credit — or ruin it

One of the main reasons to get your first credit card is to boost your credit. If you're not careful, though, it can have the opposite effect. It all depends on what you do.

4. You can see the rates and fees before applying

Credit card issuers are required by federal law to publicly disclose certain terms, such as interest rates and fees, before you apply.  

5. Credit card fees are avoidable

It's possible to avoid credit card fees altogether, even if you're new to credit:

Plenty of excellent starter cards, including many secured cards, don't charge annual fees.

Late fees aren't an issue if you pay on time. 

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So when you choose to get a credit card, first ask yourself these seven questions:

1. Why Are You Considering Getting a Credit Card?

Are you considering getting a credit card to build credit? If this is the case, you need to make sure that you act responsibly with your card. You should pay off the balance in full each month, and not use your credit card for things you otherwise can't afford.

 2. What is the Interest Rate?

Many cards will lure you with an introductory interest rate, or APR (Annual Percentage Rate), of 0%. While this may seem like a great deal at the time, be sure that you can pay off your balance during the promotional period. If not, you'll be forced to pay on your card with the new interest rate, which will probably be higher. It may even jump to 15-20% or higher. 

3. What is the Credit Limit?

This is the amount of money that the credit card issuer is willing to let you borrow. Credit card issuers determine your credit limit based on various factors, including your income level and your credit score. Initially, they will often provide you with a low credit limit to minimize the risk. You can later increase your credit limit by paying on time and spending within your credit limit.

4. Is there an Annual Fee?

You should not pay an annual fee to use your credit card. Many cards try to offer you cash back or other rewards as long as you pay an annual fee with the card. But don't be fooled. There are rewards cards that do not charge an annual fee, so you should keep looking.

5. What are the Penalties   Fees?

There's no shortage of ways for a credit card issuer to make money off you. Common charges include fees for transactions, such as balance transfers and cash advances, or for asking to increase your credit limit or make a payment by phone. There also are penalty charges for paying your bill late or going over your credit limit (they don't decline your card  they just sock you with a fee for it).

6. What are the Rewards Offered?

Credit cards offer rewards that are unlimited and are spread across various sectors. So find one that aligns with your needs and has offers on things that you are interested in. They can be on flight tickets, shopping, cashback, hotel bookings, or gift cards. Do check how to redeem them though, some of them might have an expiration date.

7. Can you balance your Credit Utilization Ratio?

Credit Utilization Ratio is the percentage of your total available credit that is currently being utilized. It is significant to keep a check on how much you are spending irrespective of your credit limit. The credit utilization ratio also affects your overall credit health hence a higher utilization ratio cannot be considered good even if your repayment history is decent.

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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.

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These 3 credit card processors oversee every part of the purchase process, including approving or declining a transaction, protecting you from fraud, providing travel benefits or other protections, and finally, making sure that money flows to and from the correct accounts behind the scenes. Some networks are more widely accepted, some offer better customer service, and others might be the best choice if you have less than stellar credit. 

Card Issuing

When comparing all 3 networks, there is 1 main difference between American Express and Mastercard/Visa. American Express is both a card issuer AND a payment network. Mastercard and Visa are only payment networks. So what does that mean for you?

Card Issuer

The card issuer is the one that actually extends credit to consumers. When you use your card, the card issuer pays for the transaction upfront and gets reimbursed once you pay off your bill each month. 

Payment Network

A payment network processes transactions, meaning it transfers funds from the card issuer to the merchant.

Network Acceptance Rates

Another important factor to consider when comparing networks is how widely accepted it is. In short, it won’t do much good to have a credit card if it’s not accepted at the retailers you plan to visit.

Domestic

To put it simply, the more merchants that accept your card, the better the card’s network. Visa and Mastercard have traditionally been the main contenders with acceptance at 10.7 million U.S. retailers.

International

Unfortunately, American Express’s international acceptance is much lower than its competitors. For example, American Express cards are accepted in more than 160 countries worldwide, which lags behind Visa and Mastercard that are both accepted in more than 200 countries.

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Types of Credit Cards Offered by IndusInd Bank

IndusInd Bank offers multiple types of credit cards like

Shopping: These are credit cards that are especially made for shopping be it online or offline with great benefits in the form of reward points or cash backs.

Travel: These are credit cards made for people who love to travel and get benefits in form of reward points or miles which can be redeemed for attractive gifts or free tickets

Lifestyle: These are credit cards which provides benefits for dining, movie tickets, etc. This is also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month. 

IndusInd Bank Credit Card Benefits  Features

Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you 

1. Sign on bonuses: Some of the credit cards from IndusInd Bank provide sign on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.

2. Rewards: Reward points are offered for any transaction that is made using your IndusInd Bank credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.

3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get miles as reward for using your IndusInd Bank credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.

4. Cashback: Some IndusInd Bank credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on spends.

5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods. 

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1. Read Your Card Agreement and Know Your Terms

When you open a new credit card account, be sure to carefully read the credit card customer agreement and the account opening disclosures.

2. Make Payments on Time

As the Consumer Financial Protection Bureau (CFPB) explains, you should make your payments on time, every time. That's because your payment history is an important factor when it comes to your credit scores. 

3. Pay More Than the Minimum

Making your credit card minimum payments on time every billing cycle helps you avoid penalties and fees. 

4. Stay Below Your Credit Limit

Only use the credit you really need. Better yet, stay well below your credit limit.

5. Check Your Monthly Statements Carefully for Accuracy

Regularly checking your credit card statements—either online or when they arrive in the mail—can be a great way to keep your spending top of mind.

6. Report a Lost or Stolen Card Immediately

Report your card lost or stolen if you're missing your card or think someone stole your account number. When you do, your card issuer will deactivate your old card so no one else can use it.

7. Monitor Your Credit

It's always a good idea to keep a close eye on your credit. Monitoring your credit can help you keep track of where you stand. 

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Features of International Credit Cards

Credit cards for international use offer the following feature –

• The card can be used at all foreign outlets both online and offline
• You can avail of international lounge access in multiple countries
• Facility of earning reward points on making purchases with the card
• Discounted rates at hotel booking and flight tickets
• Low foreign currency markup fee in comparison to regular credit cards

SBI Etihad Guest Premier Credit Card

SBI Etihad Guest Premier credit card is designed to meet the needs of frequent travellers.

HDFC Infinia Credit Card Metal Edition

HDFC Infinia Credit Card Metal Edition offers premium lifestyle benefits to selected customers, as it is an invite-only card.

Citi PremierMiles Card

Citi PremierMiles Card by Citi Bank offers exclusive benefits to frequent travellers to international locations.

RBL World Safari Credit Card

RBL World Safari Credit Card is India's first travel credit card with a 0% mark-up fee on all foreign currency transactions.

Air India SBI Signature Credit Card

SBI Air India Signature Credit Card is a go-to card to reward you for your international travel if you travel mostly by Air India.

IndusInd Legend Credit Card

IndusInd Legend credit card offers attractive offers on online shopping, movies, bill payments, and travel.

Axis Reserve Credit Card

Axis Reserve credit card is a super-premium credit card that provides a number of benefits for frequent travellers travelling to international locations.

Axis Burgundy Private Credit Card

Axis Burgundy Private Credit Card is another premium credit card by Axis Bank offered to high-net-worth individuals.

MakeMyTrip ICICI Bank Signature Credit Card

MakeMyTrip ICICI Bank Signature Credit Card is a zero-annual fee credit card, exclusively designed to provide travel benefits to both domestic and international travellers.

HDFC Regalia Credit Card

HDFC Regalia Credit Card offers benefits across multiple categories such as travel, shopping, dining and more.

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Here are Five Best SBI Credit Cards Available in India:

1. SimplySAVE Credit Card 

2. Yatra SBI Credit Card 

3. SBI Card ELITE

4. SBI Card Prime

5. Air India Signature SBI Card

 So, these were the best SBI credit cards with their key benefits and features. SBI offers credit cards offering discounts in all different fields for different types of people all over the country. You can choose your type of credit card from the above-mentioned cards by analyzing and comparing the benefits of every card. Through this, you would definitely save a lot of money in the coming years.

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1. Your first step in building credit may require you to make a deposit

Credit cards work by issuing you a line of credit that you can use to make purchases. You are then required to pay back the loan — ideally in full at the end of each billing cycle (so you don’t accrue interest). But because you are just starting out, credit card issuers prefer to have a way to pay back your credit line until you prove a history of trustworthiness.

2. Shop around before you apply

Credit card issuers are required by law to disclose on their website their interest rates and fees, such as annual fees and foreign transaction fees. Before you decide what to sign up for, you’ll want to take full advantage of this information and learn the ins and outs of any card that catches your interest. 

3. Pay your bill on time, in full (not just the minimum) and you’ll never pay interest

You may have felt intimidated by credit cards’ high interest rates, also known as APRs, but as long as you pay your credit card bill on time and in full, you won’t ever have to pay them.

4. Use up very little of your credit limit

Spending below your credit limit is an essential step toward reaching a good credit score. The rule of thumb is to not spend more than 30% of your credit limit (some experts even suggest having a 10% threshold). This percentage is a common credit card term called your credit utilization rate.

5. Constantly review your credit card charges

It’s important to report unauthorized credit card charges as immediately as you can so you aren’t overcharged, but you are already much more secure with a credit card than you would be using a debit card when it comes to fraud liability.

6. Don’t be afraid to actually use your credit card

Keeping a $0 balance on your credit card won’t do you (or your credit score) any good. Lenders and credit card issuers want to see how you use credit so it is important you make purchases on your credit card. Keeping it active will also prevent your issuer from closing it on you.

7. Think twice about ever canceling your credit card — especially your first one 

Your first credit card will have a big impact on your credit history. And as long as you use it responsibly, that impact can be very positive. Credit cards not only let you afford the basics, like everyday expenses, but they can earn you rewards when you charge and help you qualify for lower interest rates on loans.

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Pay your bill before the due date

When you use your Credit Card regularly and pay your bill on time, your credit profile with the bank improves.

This can lead to a range of additional benefits, such as an increase in spending limit and great offers on Personal Loans and other financial products. Moreover, such actions will improve your credit score, which is extremely beneficial if your score is low.

Follow the rewards

Read your Credit Card booklet carefully, especially details about the benefits it offers and the reward programme.

Your Credit Card could open the door to a host of discounts on products and services besides privileges such as free lounge access and priority services at airports.

Earning Reward Points on your Credit Card spends can accrue several benefits in the long run, from free flight tickets to movie vouchers to mega discounts on electronics.

Be smart about repayment

Your bank may offer you convenient ways to pay back your Credit Card bills – for example, EMIs. When you choose this option, you can pay for large purchases in monthly instalments, like a mini-loan. This will help ease your financial strain. You can also make your Credit Card payments through the Credit Card NetBanking.

Use your card at trusted merchants

Whether you are shopping online or at a local store, ensure that the merchant or retailer is an establishment you trust. This will minimize risk of your card being misused.

Be alert with your Credit Card usage

Be prudent about Credit Card use. Avoid maxing out on your credit limit every month.

Monitor your Credit Card transactions regularly to notice specific patterns in your spending. Keeping track of your spends will also ensure that unexpected transactions come to your notice and you can point them out to your bank immediately. You can even set your limits on Credit Card in order to avoid any over spending.

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Best Entry Level Credit Cards in India 2022 

• Axis Ace Credit Card 
• SBI SimplyCLICK Credit Card
• Flipkart Axis Bank Credit Card
• HSBC Cashback Credit Card
• Citi Cashback Credit Card
• Citi Cashback Credit Card
• HDFC MoneyBack Credit Card
• YES Prosperity Rewards Plus
• Standard Chartered Platinum Rewards Credit Card
• RBL Monthly Treats Credit Card 

a credit card is a great way to build and maintain your credit score. if you use it judiciously, it can become your best friend and help you manage your finances better. today, it is also easy to make credit card payments online. if you are thinking of obtaining a credit card, make a choice from this list and watch as you save more on your expenses. 

Click on this link to know more about the benefits of your HDFC Credit cards: https://www.atoallinks.com/2022/ways-to-enhance-benefits-of-your-hdfc-credit-card/

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. If your HDFC Credit Card offers you additional reward points on specific transactions such as Air Ticket booking, restaurant bill payment, movie ticket purchase, etc.

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. The same is the case with HDFC Credit Cards. But do you know that you can get a full waiver of the joining fee by using the Credit Card above a specified threshold amount.

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Forex cards are one of the best options for spending your money wisely when you travel abroad. These cards are safe and serve as a less expensive replacement for your cash. It will also help you with reasonable exchange rates if you use a forex card with foreign currencies loaded in it. Even if the forex market rates keep increasing or decreasing, the rate of the funds you have loaded in your forex card remains the same. 

What is a Forex Card?

Also known as a prepaid card, prepaid travel money card, or Travel credit card, A Forex card is a ‘ready to use card' instead of a regional currency. It is available in a fixed amount but offers the facility to top up the card as per your requirement.

You can load it with any currency and use it like your debit or credit. One of the significant advantages of this card is that it helps you pay when you travel abroad and saves you from the inconvenience of currency exchange. And just like a credit or debit card, it can also be used to withdraw cash from an ATM. Forex card helps to keep your money safe when you are traveling abroad.

DIFFERENT TYPE OF FOREX CARDS IN INDIA:

There are two types of Forex cards in India. They are:

Multi-currency Forex cards: A card that can be loaded with 23 different currencies and can be used throughout the world. When you are traveling from one country to another, it helps you change to the currency of the country you are going to visit from the currency you are currently using.

Single currency forex cards: There is a high cross-currency charge on this card whenever you use a different currency and also comes with limited use. 

BENEFITS OF A FOREX CARD

A forex card comes with a lot of benefits, especially when you are traveling abroad.

• Here are a few benefits you get when you opt for a Forex Card in India:
• A safe option to handle foreign currency while traveling abroad.
• It is less expensive and comes with fewer charges than that of credit or debit cards.
• It offers exclusive discounts and privileges.
• For making payment of any purchase, all you need to do is swipe your card to pay.
• The best Forex cards offer better rates for currency exchange than a traveler's check or cash.
• Forex cards in India come with special discounts, no ATM access fee, no cross-currency charges, and low transaction charges.
• Its features make it a safe method of payment.
• It is accepted worldwide.
• It also offers free international sim cards, emergency cash assistance, and a lot of other privileges.

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why pay credit card bill on time

making timely credit card bill payments is crucial as it has a direct impact on your creditworthiness. on receiving the credit card bill/statement, one should pay the complete bill amount by the end of the credit-free period to keep steer clear from paying any interest charges on the outstanding amount. to pay the credit card bill, generally, a credit-free period of 20-25 days from the bill/statement issue date is provided. 

Below mentioned are some consequences you might face on non or late payment of credit card bill

• to maintain a good credit score you should pay your credit card bill on time. a good credit score depends on the consistency of paying your credit card bill on time.
• hefty interest on the outstanding bill amount. credit card issuers are authorised to increase your interest rate if the bill is unpaid for more than 60 days. paying the credit card bill on time protects you from the high rate of interest.
• if you pay your credit card bill on time, you can avoid dealing with debt collection agencies, nowadays majority of the credit card issuers have hired debt collection agencies to recover unpaid bills. and once your account goes to these agencies for recovery the privilege of making the minimum monthly payment is no longer available.

credit card issuers can also charge a late fee, and the fee amount varies from issuer to issuer.

missing a single late payment may negatively impact your credit score

a credit score is one of the significant criteria to ascertain an individual's potential to repay a loan or ascertain his creditworthiness. thus, even a single missed credit card payment can impact your score. 

a missed payment can reduce your credit score and minimize your creditworthiness. financial institutions and banks might turn down loan requests, and credit card companies might reduce the credit limit on a card if your credit score is low. besides, credit card issuers also want to make sure that your payment record is clean before offering higher credit limits.

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Sign-up bonuses: Many rewards Credit Cards offer a great deal of sign-up bonuses which can benefit you in many ways. Applying for certain Credit Cards at the right time, might land you earning maximum Reward Points. In a competitive market today, you might be able to find many different issuers who make similar offers. If you time your applications to take advantage of these bonuses, it can surely help you maximize the value of your rewards Credit Card.

Categorize and Spend: Some issuers offer increased benefits at certain times of the year, for spending in certain categories. For example, your Credit Card might offer you some percent of CashBack for all your purchases in a particular month, or might even double the points if you go to the movies. Issuers often publicize their bonus categories well in advance, in order to make people aware and help them plan their purchases accordingly, helping them gain maximum rewards.

Shopping Online: Numerous Credit Card issuers have their own online shopping portals through which you can shop and stand a chance to increase your rewards. Once you log-on to your issuer's site, you will automatically be redirected to the shopping portal you desire, including even a departmental store. Any purchases that are made by you through your issuer's shopping portal, can help you earn extra points or miles, and won't cost you any extra.

Spending Everyday: By directing your everyday expenditure to your Credit Card instead of using cash, you can earn many points or miles for the things that you purchase. Using your Credit Card for things like gas or food, or for things that you would normally buy in the course of your everyday life, you can maximize your rewards and also avoid excess expenditure.

Considerations: While most Credit Cards provide rewards when wisely used, a failure to be responsible with your Credit Card usage can weaken all the benefits. If you carry forward a balance on your Credit Card, the Credit Card Interest Rate that you will need to pay will be much more than your benefits. Carrying forward a credit balance can also harm your credit score and prevent you from getting better Credit Card Interest Rates on future loans. If you end up increasing your expenditure simply to earn more rewards, you may land in deeper debt than you would otherwise by simply paying for the purchases with your cash.

In the whole process of maximizing benefits of your Credit Card usage, there are three key factors to remember about the Credit Card rewards programs. Firstly, Credit Card rewards programs are designed to earn money- for the issuing company. Second, always take the time to read the fine print, do your homework and know what you're getting into. Third, always make payments on time as a failure to this will hit your rewards stash and your wallet.

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Key Highlights of the Freedom Credit Card

• Enjoy 5X reward points on your dining, grocery, railway bookings, taxi bookings, and movie spends.
• Make the most of your birthday with 25X reward points on your expenses made with the card.
• On your purchases made on PayZapp and SmartBUY, get 10X reward points.
• Gift voucher of Rs.1,000 on spending more than Rs.90,000 in a year.
• Renewal fee is waived off is annual spends is more than Rs.50,000
• Interest-free period of up to 50 days. 

Features and Benefits of the Freedom Credit Card

• Annual and Renewal Benefits
• On spending Rs.90,000 in a year, get a gift voucher worth Rs.1,000.
• Membership fee for the next year is waived off if Rs.60,000 is spent in the year on your card.

Fuel Benefits

Fuel surcharge of 1% will be waived on your fuel purchases ranging between Rs.400 and Rs.5,000, capped at 250 per statement cycle.

Reward Point Benefits

• A welcome benefit of 500 reward points.
• On your birthday spends, get 25X reward points.
• Enjoy 5X reward points movies, grocery spends, dining, taxis, and railway spends with your credit card.
• On your purchases made on PayZapp and SmartBUY, get 10X reward points.
• On paying the renewal fee, get 500 reward points as a renewal bonus.

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Key takeaways

A balance transfer can be a good idea to save money on interest charges.

Balance transfers work by applying for a new card with a low introductory APR, initiating a balance transfer and paying down the balance.

Some cards are good for balance transfers but others are not.

How balance transfers work

While the exact process for balance transfers can vary widely, here are the steps you generally have to take when working with major issuers:

1. Apply for a card with an introductory 0% APR offer on balance transfers or use an offer on a card you already have. To qualify for the best offers, you generally have to have good or excellent credit (typically, FICO scores of at least 690). 

2. Initiate the balance transfer. If you're doing this online or by phone, you'll need to provide information about the debt you're looking to move, such as the issuer name, the amount of debt and the account information.

3. Wait for the transfer to go through. Once the balance transfer is approved, which could take two weeks or longer, the issuer will generally pay off your old account directly. That old balance — plus the balance transfer fee — will show up in your new account.

4. Pay down the balance. When that balance is added to the new card, you'll be responsible for making monthly payments on that account. And if you pay it down during the introductory 0% APR period, for example, you could potentially save a bundle.

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6 reasons why your credit card application could be rejected by a lender

Bad credit score

Most lenders reject credit card applications if the applicant has bad credit scores. Credit score is one of them most important factors behind the acceptance or rejection of credit cards as well as other loans. Most institutions have a standard credit score rate for considering the creditworthiness of the customer, i.e., whether he/she is reliable in terms of repayment of the credit availed from them.

Usually, a good credit score or CIBIL score would be 750+. The CIBIL score will be negatively affected if:

• You have loans with multiple lenders
• You have applied for a credit card with various lenders
• You have not paid your EMIs on time
• You have defaulted on repayment of previous loans

If you do not have a loan history, this also affects the credit card application since there is no track records to evaluate your creditworthiness. 

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Key Axis Bank Credit Card Benefits and Features

Depending on the card that you opt for, the features and benefits of Axis Bank credit cards may vary. Here’s a quick look at some of the key Axis Bank credit card features and benefits.

Security Measures

Axis Bank credit card are equipped with an EMV smart chip and a slew of other security measures to ensure maximum transaction safety.

Contactless Payments

Thanks to the presence of an NFC chip in Axis Bank credit cards, you can simply tap-to-pay up to Rs. 5,000 without having to enter any PIN at any NFC-enabled POS machine.

Cashbacks on Fuel Spends

One of the many Axis Bank credit card benefits that you get to enjoy is the ability to get cashback of up to Rs. 250 on fuel transactions.

Cash Advance Facility

You can use your Axis Bank credit card to withdraw cash up to a maximum of 30% of your total credit limit from almost any ATM across the world.

Discounts on Dining

With Axis Bank credit cards, you can get up to 20% off on your bill for dining in any of the 4000+ partner restaurants throughout India. 

Benefits and Features of Top Axis Bank Credit Cards of 2022 

The Axis Bank credit card facilities and benefits that you get to enjoy tends to vary from one card to the other. So, here are some of the top benefits and features that you can find in some of the latest Axis Bank credit cards.

Axis Bank Atlas Credit Card

You receive 5000 EDGE Miles upon making 3 transactions within a span of 30 days from the date of activation.

Upon the completion of a year, you stand to receive an annual Benefit of up to 10,000 EDGE Miles.

Upon achieving spend milestones, you can receive up to 10,000 EDGE Miles.

You accumulate 5X EDGE Miles on travel spends, 2X EDGE Miles on forex transactions, and 1X EDGE Miles on other spends.