HDFC MoneyBack+ Credit Card is an upgraded version of the previously launched HDFC MoneyBack Credit Card. This card lets you earn reward points on every purchase. It is an entry-level credit card and is best suited for people who are new to credit and want to earn discounts or rewards on their purchases. With the relaxed eligibility criteria, you can easily apply for this credit card and earn reward points on every purchase. Here is a detailed review of this credit card:

Click on this link to get full information about the perks of HDFC MoneyBack Plus Credit cards: https://www.apsense.com/article/perks-of-hdfc-moneyback-plus-credit-card.html

Key Highlights of HDFC MoneyBack+ Credit Card

Joining Fee-Rs. 500

Annual Fee-Rs. 500

Activation Benefits- 500 CashPoints on the payment of membership fee

Annual Benefits- Annual fee waiver on spending Rs. 50,000 in a year

Reward Benefits- 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy

Dining Benefits- Up to 15% off at 2,000+ premium restaurants

Milestone Privileges- Gift voucher worth Rs. 500 on spending Rs. 50,000 or above in a calendar quarter

Apr 08, 202201:20

Why You Should Use a Credit Card For Any Expenses

Holding a Credit Card has many advantages, as long as you use it responsibly. It gives you the freedom to purchase all that is within the credit limit and you can pay the amount, later. Read on further, to know five reasons why you should use a Credit Card.

Click on this link to know about icici bank credit cards: https://issuu.com/kartik745/docs/top_5_icici_bank_credit_cards/

Has it ever happened that you have limited money to fund an emergency, event, or buy a gadget? There is a solution to a lot of your financial woes and that is owning a Credit Card.

Click here to know about the icici bank credit cards.

Building Credit History: A CIBIL score is an important factor that banks assess, to know your credibility.

Attractive Cashbacks: Using Credit Cards for shopping for goods and services will provide you access to cashback and reward programs.

Helpful during an emergency: Life is unpredictable. There are times when you would require immediate funds, during an emergency.

Safer than carrying cash: These days, everyone prefers to make cashless payments, whether it is a mobile app or a Credit Card. In fact, Credit Cards are accepted worldwide.

Use a Credit Card for a Personal Loan: Now, you can avail a Personal Loan on a Credit Card, an exclusive service provided by ICICI Bank to select customers.

Apr 07, 202201:17

How To Earn And Redeem RBL Bank Credit Card Reward Points

RBL Bank offers an exclusive loyalty program for credit card holders, rewarding them with personalized gifts from an eclectic array of products, vouchers, etc., for every spend transaction done. Accrued rewards points can be redeemed for bus tickets, airline tickets, fashion, electronics, beauty products, and much more. RBL credit cardholders will be automatically enrolled into the Rewards program and all a customer has to do is activate his/her online account.

Rewards accounts can be activated by visiting the RBL rewards website and entering a few details to complete the process. Customers can also call up the RBL rewards Service Centre to activate their accounts. Indian citizens holding an RBL credit card will be eligible to join the rewards program.

Click on this link to know about credit cards: https://www.klusster.com/portfolios/karan-negi/contents/261532

How Can I Earn Reward Points under the RBL Bank Rewards Program?

In order to redeem rewards points with RBL Bank customers have to follow the below-given steps:

RBL credit cardholders have to log in with their usernames and passwords to the RBL rewards site.
Cardholders can then select the category they wish to redeem the gift. For example - travel, shopping, recharge or gifts.
After choosing this, customers have to click on Redeem points and then select the number of rewards points they want to redeem.
An OTP will be sent to the customer’s registered mobile number, which needs to be entered to successfully make the payment and complete the redemption.
If a customer falls short of rewards points, and RBL credit card can be used to pay for the remaining points required.

What do you redeem RBL rewards points for?

RBL Bank Rewards points can be redeemed for the following gifts and vouchers available in the online rewards catalog.

Handpicked Collection - RBL Bank Insignia Preferred Banking World Credit Card
Personalized Gifts
Flights
Hotels
Shopping Gifts
Vouchers
Mobile Recharge

Apr 06, 202202:17

A Beginner’s Guide To Credit Card Points And Miles

Should I Get a Credit Card?

I’d argue that anyone can significantly upgrade their travel experiences through strategic use of airline miles, hotel points, and credit card rewards. And, you don’t need a dozen cards to make it possible.

I’ve been able to travel to amazing places, in a style I would never have thought possible, and it’s almost entirely due to maximizing the value of airline miles.

Let’s break this down into a more concrete example (and I’m going to use round numbers here just to make the math easier).

Click on this link to know about credit cards points and miles in detail: https://bumppy.com/tm/read-blog/33788_a-beginner-s-guide-to-credit-card-points-and-miles.html

Imagine there are two couples with relatively similar financial situations. Both are planning to travel to Europe for two weeks in the summer, and have budgeted $5000 for the total trip.

They have a fantastic vacation.

The second couple has been collecting airline miles and credit card points using the tips and strategies I’ll lay out in this guide.

What is Credit Card Points Used for?

The real difference here is in the possibilities that are created by leveraging airline miles.

Some people want to spend less on travel.
Others want to upgrade to business class (or even first class).
Some people want to take more trips each year, or be able to visit places around the globe that are otherwise out of reach.
With the right miles and mindset, anything is possible.

Apr 05, 202204:08

My Credit Card Processor Raised My Rates – Now What?

You know the drill. Your monthly processing statement comes in, and your processor is raising your rates. How do you stop it?

Credit card processing isn’t cheap. But it doesn’t have to be as expensive as many business owners think. In this article, I’ll cover the different types of price increases, which ones are avoidable, and how to stop them.

Click on this link to know about the 5 best yes bank credit cards: https://ello.co/cardinsider/post/k1bdvev3xsfis_amzy7jha

Types of Price Increases

When your processing rates go up, it could be because Visa and Mastercard raised rates, your processor raised rates, or both. When Visa and Mastercard raise rates, there’s nothing you (or your processor) can do to lower them again. However, processor rate increases are avoidable. There are two ways to avoid them.

The Easy Way

Join Card Fellow’s wholesale credit card processing club. Our members enjoy contractually-secured rate locks on the processor’s markup, so your processor can’t increase rates over time. We stick around to monitor your pricing and ensure you pay as little as possible for processing.

Click here to know about the best 5 yes bank credit cards.

The Hard Way

Learn about the different ways that processors may apply price increases, and watch your statements. You’ll need to compare the interchange rates listed on your monthly statement to the published interchange rates on Visa and Mastercard’s websites in order to determine if interchange is passed to you at true cost.

Determine the Source of the Increase

In credit card processing, an increase can be the result of a few different things, some of which are in your processor's control and some of which aren’t. You’ll need to first determine if the increase was your processor’s doing, or Visa / Mastercard’s.

Apr 04, 202201:48

How to use Amazon Pay ICICI Credit Card ?

online retail e-commerce leader Amazon with a partnership with ICICI Bank introduced an attractive credit card called Amazon Pay ICICI Bank Credit Card.

With the growing trends in e-Shopping, banks and credit card issuers are also a step ahead to gain customer attention to their exclusive co-branded credit card segments. Unlike regular credit cards, co-branded cards offer some extra benefits if you use them for a particular online or offline platform. Online retail e-commerce leader Amazon with a partnership with ICICI Bank, introduced an attractive credit card called Amazon Pay ICICI Bank Credit Card.

Click on this link to know about Amazon Pay ICICI Credit Card: http://cardinsider.bravesites.com/entries/general/why-should-i-have-icici-amazon-pay-credit-card

How to get Amazon Pay ICICI Credit Card?

I applied for the Amazon Pay ICICI Card on receiving the invitation from Amazon. Ohh! one thing I forgot to share is that I shop a lot from Amazon. I think, based on the relationship and frequency of shopping Amazon offers this card to their customers.

Offers on Amazon Pay ICICI Credit Card

Let's discuss some benefits of having an Amazon Pay ICICI card.

No Joining Fees: Amazon Pay ICICI Credit card does not have any joining fees.

No Annual Fees: This card is one of the few which do not charge any annual fees. Unlike most cards, the card issuer has not set any expense cap to avail of this offer. This means, you use this card or not, you don't need to pay annual fees in any circumstance.

Exclusive Cashbacks: This is an Amazon co-branded card, so you will get exclusive rewards if you use it for shopping on the Amazon shopping platform.

Apr 01, 202201:44

what are the differents types of credit cards

With a vast range to choose from, picking the right credit card can be tricky. It often depends on how much you can afford, your credit score, and why you want one – e.g. is it to spread the cost of a purchase, build your credit history, or cover an unexpected expense?

Here, we’ll help you understand the main types of credit cards, and show you where to find more information about them.

Click here to know about different credit cards,

Just remember, credit cards often have a high APR, making them a potentially expensive way to borrow if you can’t pay the balance in full each month. Cards can be useful for spreading costs and giving you extra protection on your purchases, but they shouldn’t be used to manage long-term debt.

Click on this link to know about different types of credit cards 2022: https://www.scribd.com/presentation/555439364/What-are-the-Different-types-of-Credit-Cards

Reward cards

Balance transfer cards

Purchase cards

Balance transfer and purchase cards

Travel credit cards

Money transfer credit cards

Mar 31, 202200:58

Top Best Credit Cards in India Mar 2022

List of Top Credit Card in India on the basis of, Income/ Salary, Traveling, Dining , Entertainment, Shopping, Rewards Points ,Petrol Fuel Offers , Lifetime Free Cards. EMI Schemes on eBay, Snapdeal, Flipkart, Amazon, Jabong, Myntra Shopping Offer You can also check Zero Fee, Free Life time credits which offers basic deals.

Click on this link to get information about credit cards in India 2022: https://www.slideserve.com/kartik7/top-best-credit-cards

Confused about the features & benefits of different credit cards? Check these features before applying for any credit card:

Fees and charges
Latest offers on Travel
Offers on Entertainment
Offers on Dining
Savings on fuel
Benefits on online transactions & shopping
Accidental cover
Rewards points &cashbackk

Top Best Credit cards In India 2022

1. If you need a credit card only on ad-hoc basis or just at times that you don’t want to carry cash- opt for any credit card which has no fees. It will save you from any unnecessary charges.

2. If you have your own vehicle and you spend on petrol or diesel for more than 2000 a month- Opt for a petro card and start using that card for your refills- this will increase your overall savings.

3. If you are a frequent flier – Opt for travel cards- they will help you in getting miles or a few tickets free in a year and can be the free holiday that you have been looking for.

Mar 30, 202201:31

Kotak Bank Credit Card Eligibility

Every Kotak Mahindra Bank credit card has its own features and benefits hence ensuring to give you an easy lifestyle. The wide range of Kotak credit cards covers all dimensions such as dining, movies, shopping, travel, and rewards. Thus, all your lifestyle needs can easily be fulfilled. These cards can be applied online in just a few quick steps hence you can reap the maximum benefits without any hassle. And, for hassle-free approval, it is important that you should know your credit card eligibility. One should be familiar with the eligibility criteria set by the lender to get easy approval.

Click here to get information about the best Kotak Credit cards: https://ello.co/cardinsider/post/vbiu5ja2enfeugquyld9ig

How to Apply for Kotak Credit Card Online

You can apply for Kotak Mahindra Bank credit cards in a seamless manner. All you need to do is visit the official website of the bank and click on the ‘Apply Now’ to proceed with your credit card application further. Within a few minutes, you can check your eligibility online and apply for a credit card you want to avail.

Kotak Bank Credit Card Eligibility

An applicant should be an Indian citizen

He/She should be aged between 21 to 65 Years

One should have a good source of income and a stable credit score

Documentation Required

To apply for a Kotak Mahindra Bank credit card, you need to submit the following documents.

Address proof – Passport/ Driving Licence/ Voters ID etc.

Identity proof – Bank Statement/ Voter Id/ Driving Licence/ Pension Book etc.

Income Proof – Bank Statement/ Pay Slip/ Income Tax return

Mar 29, 202201:49

What Are The 5 Benefits Of Having IDFC First Bank Credit Card

Whether it is everyday items or bucket list purchases, having a credit card makes it much easier to tick these off your shopping list. Apart from making it easy to make and track payments, credit cards offer a host of discounts and deals that makes it almost ignorant not to use them if you can afford to have them.

Click on this link to know more about 5 Benefits of IDFC Credit cards:- https://www.zupyak.com/p/3027165/t/what-are-the-5-benefits-of-having-idfc-first-bank-credit-card

Still on the fence about using credit cards?

These five reasons can help you make up your mind and apply for one.

1. Rewards, cashback, and offers

Most credit cards offer some type of reward points, cashback, and offers on purchases made through them. Different credit cards extend reward points at different rates and expiry dates, which can eventually be redeemed for vouchers and products on your next shopping spree. Cashbacks are a great way to subsidize the costs of your purchases, and numerous banks and credit card providers offer these benefits.

For instance, IDFC FIRST Bank credit cards offer a veritable combination of rewards, cashback, and offers. Their fantastic rewards program allows you to earn accelerated reward points in the following categories:

10X on spending above INR 20,000

6X on online purchases

3X on offline purchases

10X on spends made on your birthday

This reward program never expires and can be redeemed without any redemption fees. Moreover, they provide convenient redemption avenues and you can use your reward points on your next online transactions, instant redemption at partner merchants, or redeem against gift cards and memberships. IDFC FIRST Bank credit cards also offer a 5% cashback on the first EMI transaction performed on them, along with a range of discounts on movie tickets, restaurants, shopping, travel, and more.

Get to know about the 5 Benefits of having IDFC First Bank credit cards

2. Immediate use in an emergency

3. Accepted worldwide

4. Alternative to cash

5. Increased purchasing power

Mar 28, 202202:17

How To Use Credit Card Reward Points?

Having a rewards credit card comes with a lot of benefits. From being able to improve your credit score to be able to access money whenever and wherever you need it, the value of credit cards is huge. But, the most appealing benefit of a rewards credit card is earning rewards every time you shop.

Most credit card companies award points based on the frequency of credit card use, attitude toward repayment, and other criteria as determined by the company.

Click on this link to know about How To Use Credit Card Reward: https://www.sharepostings.com/how-to-use-credit-card-reward-points/

Here are some ways to redeem your credit card reward points for shopping online.

1. Shop online

2. Get cashback

3. Redeem your reward points for gift cards

4. Get discounts on airfare and hotels

5. Donate your credit cards rewards to charity

6. Pay off your balance

7. Narrow your spending

8. Watch for bonus offers

Click here to get full information about how to use credit cards rewards points.

Attach a monetary value to your reward points

If your card issuer gives you points, it is important you sit down to calculate the monetary value of these points to determine the best way to redeem them.

Mar 16, 202201:17

Should You Pay Utility Bills Using A Credit Card?

Utility bills make up a significant portion of our monthly expenditure. These include indispensable payments like electricity bills, water bills, piped gas bill, telephone bills, etc. A lot of users pay these bills online via net banking or service provider websites but, nowadays, credit card issuers are also encouraging users to pay their utility bills through credit cards. But is it a feasible option? Let’s find out.

Click on this link to get to know about Utility bills using Credit cards:- https://cardinsider.blogspot.com/2021/12/should-you-pay-utility-bills-using-a-credit-card.html

Utility Bill Payment through Credit Card

Paying your utility bills seems like a great way to earn more rewards. But is it wise to pay bills with your credit card?

Not all bills are created equal, so you will need to evaluate each one to determine which ones make sense to pay with a credit card. Hence, before you begin paying your bills with your credit card, it is very important to have a clear plan for what cards you will use, what bills you will pay and how you will pay off your credit card bill.

How does it work?

The whole process of paying utility bills via credit card varies across banks. You might even find different options with the same bank. . The general method, however, is that first, you will have to create a login account with your card issuer. After the account is created, you are required to add the billers from the list that the bank provides. The list will include all utility service providers for gas, telephone, electricity, water, DTH, insurance, etc.

It is to be noted that the biller should be on the bank’s list otherwise you won’t be able to use this service. For payment, you just need to select the biller and enter the details required such as customer number and the required amount for payment.

Mar 15, 202201:50

TOP AXIS BANK CREDIT CARDS IN INDIA

Axis Bank offers numerous credit cards for its customers who wish to spend on dining, shopping and traveling. Each credit card has its own unique features and has been designed exclusively taking into consideration the present expenses as well needs. They have been categorized as premium cards, co-branded cards, my cards, and other credit cards.

To know more about axis bank credit cards click on this link- https://www.reddit.com/user/cardinsider/comments/tdr6hg/top_5_best_axis_bank_credit_cards/

After swiping these cards for your shopping needs you can also access points, discounts, and even gifts.

This article deals with the various cards offered by Axis banks and rewards associated with them and the comparison with other brands.

AXIS BANK PLATINUM CREDIT CARD

Axis Bank Platinum Card is a credit card that has numerous privileges when it comes to departmental as well as grocery purchases. This is card is accessible for any Indian resident above the age of 18-70.

AXIS BANK TITANIUM SMART TRAVELER CREDIT CARD

Titanium Smart Traveler Credit Card is available to both resident as well as non-resident individuals between the ages of 18-70.

AXIS BANK SIGNATURE CREDIT CARD

The Axis Bank Signature Credit Card gives you exclusive privilege in travel and living, dining and lifestyle. Anybody with an annual income of 7 lakhs and above the age of 18 can get access to this card.

AXIS BANK INSTA EASY CREDIT CARD

Insta-easy credit card is another card issued by Axis Bank which is pretty easy to avail. All it requires is a fixed deposit account with any of the Axis Bank anywhere in India.

Mar 14, 202201:42

Are Credit Card Points Worth It?

Most major credit cards offer rewards—but are the rewards you earn significant enough to make applying for the card worthwhile? When used responsibly, a rewards credit card can help you save money on everything from travel bookings to Amazon purchases.

However, not everybody knows how to maximize their credit card rewards, and not everybody knows what a good rewards card can do for them.

Click on this link to know more in details:- https://vocal.media/trader/are-credit-card-points-worth-it

Are our 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:

What is a rewards credit card?

How do credit card rewards work?

Pros and cons of rewards credit cards

Should you get a rewards credit card?

What is a rewards credit card?

A rewards credit card is exactly what it sounds like: a credit card that rewards you when you use the card to make purchases.

With a basic understanding of how rewards cards work, you can earn actual Cash with minimal effort. Let’s start by looking at the three basic types of credit card rewards: Cashback, points, and miles.

Cashback

Cashback cards are the most straightforward type of rewards card because they use a currency you’re already familiar with: dollars. You earn a percentage of every qualifying purchase back. For example, 3 percent cash back on a $100 purchase would earn you $3 in rewards.

Some credit cards offer the same percentage on everything you buy, like the Wells Fargo Active Cash℠ Card, which offers unlimited 2 percent cash rewards on purchases. These cards are useful for people with varied spending habits and those who plan to use one credit card for everything.

Click here to know Credit Card Points are Worth It or not?

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.

Mar 12, 202202:37

Best American Express Cards of March 2022 in india

American Express credit cards are becoming more popular in India. The exclusive offers and great reward programs are the reasons behind this success.

The success of Amex gold credit is the best example of this. I loved this credit card, especially for its rewards program.

But recently the bank made changes in the reward points of Gold credit cards and start promoting the American Express Membership Rewards Credit card with the same benefits that the bank offered in past on Amex Gold Credit Card.

Click on this link to know about the best American Express Credit Cards: https://www.reddit.com/user/cardinsider/comments/tbj09c/5_best_american_express_credit_cards_in_india/

Amex Gold Credit Card

Amex Gold Credit card was a premium card earlier. A few months back, the bank reduced the reward points on the Gold credit card. Now, the Amex Gold credit card is not as effective as it was in the past.

But you don’t need to lose the heart, the bank offers the same benefits on the American Express Membership Reward credit card.

Welcome Gift

5X reward points on shopping with major brands such as Amazon, Flipkart, and Apple
Get guaranteed Rs. 500 cashback on using at salons like Lakme.

Bonus Offer

You can use the Amex gold card to get 1,000 bonus membership rewards points for simply using your Card 6 times (earlier it was 4 times) on transactions of Rs. 1,000 or above.
This way you can earn up to 12,000 bonus reward points every year.

Fee & Charges

First Year Fee – Rs 1000
Renewal Fee – Rs 4500

For more information about Best American Express Credit cards.

Mar 11, 202201:43

How To Pick The Best Credit Card For You In 4 Easy Steps

If you know your options and ask the right questions, you can find the best fit for your spending habits and goals.

No single credit card is better than all others in all categories — or for all people. But by understanding your options and asking the right questions, you can find the card that's the best fit for your spending habits and credit situation.

Click on this link to get full information:- https://cardinsider.bcz.com/

1. Check your credit

Find out what credit card offers you might be eligible for by checking your credit score. The better your score, the greater your chance of being approved for cards with better perks.

2. Identify which type of credit card you need

There are three general types of credit cards:

Cards that help you improve your credit when it's limited or damaged.

Cards that save you money on interest.

Cards that earn rewards.

3. Narrow your choices by asking the right questions

4. Apply for the card that offers you the highest overall value

Narrowing your choices is the easy part, but deciding between two or three similar cards can be quite difficult. If you've already found a clear winner after Step 3, go with that one. If not, it’s time for a tiebreaker round.

For more information click here about credit cards.

Mar 10, 202201:20