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Best Credit Cards In India

With over 400+ credit cards available in the market, it can get difficult to select the one that will suit your needs. To help you out, we have made this list of our top 35 credit cards, based on specific categories. We know that different people need different types of credit cards, like some need entertainment credit cards, while some need cards that do not have any annual fees. Keeping in mind all these factors, we researched all credit cards and then formed this guide for you.

If you are looking for a credit card that will suit your needs, then this guide will help you a lot. Here, we have categorized the credit cards based on the maximum benefits that they can provide and the highlighted benefits of each card.

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Best Shopping Credit Cards

Online shopping has become a regular thing for people nowadays. Instead of walking to the store, it is far more convenient to sit in your room or office and order your groceries and clothes from the online market. Many credit card companies have made specific credit cards for online shopping which comes with huge discounts, rewards, and much more advantages. If you are looking for a credit card for online shopping, then we have selected the best ones for you. Here, we have a list of credit cards made specifically for online shopping, which will suit your needs.

1. HDFC Money Back Credit Card

The first card that we have on our list is the HDFC Money-Back credit card. This particular credit card provides you with the best cashback in the market. Moreover, it is the best credit card for beginners as it is easy to apply. You only have to pay INR 500 as an annual fee and then you can take advantage of all the benefits and cash backs that come along with the card. Even if you do not have a credit history, you can still apply for this particular card.

Annual Fee: INR 500 per year. If the card is approved within 3 months, an annual fee is waived off.

Why you should go for it?

The HDFC Money Back credit card is the easiest card to apply for. The best thing about this card is that you don’t need to have any credit card history for this card. Moreover, it comes with huge discounts and cash backs. If you are a regular online shopper, then this credit card will suit your needs.

Features

Earn Rate: You get 2 reward points for every INR 150 you spent

Cashback Requirement: For every 100 reward points, you get INR 20 as a cashback. You get a voucher of INR 500 once you spent INR 50,000

Est. Point Value:

INR 150: 2 reward points (general spending)

INR 150: 4 reward points (online transactions)

100 reward points: INR 20 cashback

Fuel Surcharge Waiver: Up to INR 250 for a month, at any gas station in India

2. SBI Simply CLICK Credit Card

If you love the services of SBI, then you would love their SBI Simply CLICK credit card for sure. This particular credit card is the perfect card for Amazon users. It comes with tons of benefits and rewards. One of the best things about this card is that you get a welcome gift of INR 500 from Amazon when you use this card for shopping. Other than that, the reward percentage is 2.50%, which is quite impressive. The annual fee of this credit card is less as compared to others. You get huge discounts, like 10% off on both Amazon and Flipkart shopping, and much more. The best thing is that, the expiration date of the reward points is 2 years.

Annual Fee: INR 499 per year. If annual spending is more than 1 lakh, the annual fee is waived off.

Why you should go for it?

Apart from the high reward percentage, this particular credit card comes with tons of benefits. You can get huge discounts while using this card on apps like Amazon, Book My Show, Urban Clap, Food Panda, and much more. Moreover, you can even withdraw 80% of the limited cash from the card.

Features

Earn Rate: You get 5 points for every INR 100 spent on online retailers.

Cashback Requirement: Get one rupee for every INR 100 you spend on general expenses

Est. Point Value:

INR 100: 10 reward points (online shopping)

INR 100: 5 reward points (online retailers)

INR 100: 1 reward point (general)

3. Axis Bank Buzz Credit Card

If you are a regular Flipkart user, then you should get the Axis Bank Buzz credit card. you can instantly get discounts of 10% from Flipkart if you use the card in the first week of every month. Besides that, Axis even provides you with a gift voucher worth of INR 1000, after your first three online purchases. You can even get dinner benefits, up to 15% discount by using the credit card in any of the partner restaurants.

Annual Fee: INR 750 annually

Why you should go for it?

The Axis bank buzz credit card is the perfect credit card for Flipkart users. If you love online shopping and your destination is Flipkart, then you should apply for this credit card. Moreover, if you dine in any of the partner restaurants, then you would even get a huge discount of 15%.

Features

Earn Rate: For every INR 200 you spend, you will get 6 reward points.

Cashback Requirement: Get INR 500 anniversary bonus by spending INR 25,000 annually. You can even get INR 1000 anniversary bonus by spending INR 50,000 annually.

Est. Point Value:

INR 200: 3 reward points (online shopping)

INR 200: 2 reward points (general spending)

5 Edge points: 1 inter mile= INR 45; point redemption

4. SBI Simply Save Credit Card

For people who prefer to use credit or debit cards for daily transactions, the SBI Simply Save credit card will be a great add-on to their wallet. The credit card has some of the best offers for every shopaholic and is the most common credit card for online shopping. The best thing about this card is that, you get 10 times more reward points as compared to others. Moreover, you even get sign-up bonus points and gift vouchers when you use your card for the first time.

Annual Fee: INR 499 per year. If you spend more than 1 lakh in a year, annual fee is waived off.

Why you should go for it?

One of the best things about this credit card is that you can get massive bonus reward points. If you can spend INR 2000 within 60 days of receiving the credit card, then you can get bonus points of 2000, which you can use for online shopping. Moreover, the SBI Simply Save card provides you with extra reward points and tons of discounts on various apps.

Features

Earn Rate: For every INR 100 spent, you get 10 points

Est. Point Value

INR 100: 10 points (on any online app)

INR 100: 1 point (General spending)

Fuel Surcharge Waiver: Get 1% of fuel surcharge at any fuel station in India

Best Travel Credit Cards

Travelling can be expensive and if you are a person who constantly travels, then you would need a credit card to cover up all your expenses. One cannot always rely on savings to travel and to help you out, we have curated this list of best travel credit cards. These credit cards come with tons of benefits and is perfect for people who are always on “travel mode.”

5. Bank Of America Travel Rewards Card

If you want a credit card for your travel expenses and do not want to spend money on annual fees, then you should get the Bank of America travel rewards card. It is the best card for travel bloggers and businessmen who are always flying off to different places. The best thing about this credit card, apart from no annual fees, is that you don’t even have to pay any foreign transaction fees! Moreover, you get tons of rewards and bonus points for every dollar you spent.

Annual Fee: Nil

Why you should go for it?

The Bank of America Travel rewards card provides you with great bonus points. You can get 1.5 reward points for every dollar you spend. Besides that, you can spend your reward points on anything. Another impressive thing is that you can get 25,000 bonus points by spending 1000 USD within 3 months.

Features

Earn Rate: You get 1.5 reward points for every dollar you spend

Est. Point Value

1 USD: 1.5 reward points (general spending)

1 USD: 3 reward points (Travel booking)

1000 USD: 25000 reward points (if spent in the first 3 months)

Travel Perks

No foreign transaction fees.

24*7 concierge service, luxury hotel stays and travel insurance for Visa Signature Card user

6. Amex Platinum Travel Card

We loved the Amex platinum travel card the most. It provides the best vouchers and reward points that one can think of. If you want to apply for this card, you have to pay INR 3500 and then INR 5000 as an annual fee. Talking about the reward points, you get an Indigo voucher worth INR 4000 as a membership bonus. You can even get a gift card of INR 7700 of SpiceJet, if you spend more than 1.90 lakhs in a year. Besides that, you can even get a Taj group gift card of INR 10,000 and a SpiceJet gift card of INR 11,800 if you spend more than 4 lakhs in a year.

Annual Fee: INR 5000 per year

Why Should You Go For It?

If you are a regular flier of Indigo or SpiceJet, then you should get this travel card. Moreover, you can even get a discount of 20% if you dine at partner restaurants. The reward points, vouchers and the gift cards are awesome and will be a great use for people who travel by Indigo or SpiceJet. The reward percentage is more than 8%, which is quite great as compared to other cards.

Features

Earn Rate: For every INR 50 you spend, you get 1 membership point.

Est. Point Value

INR 0.40: 1 reward point (general spending)

INR 100: 2.5 reward points (others)

1 reward point value: INR 0.50

Travel Perks

Up to 4 free airport lounges per year

Around the globe concierge service

5% + service tax for foreign exchanges

Zero liability for lost card

Fuel Surcharge Waiver: Free waiver at HPCL fuel stations

7. Citi Premier Miles Credit Card

If you are looking for an all-rounder travel card, then you should go for the Citi Premier Miles credit card. It has some of the best offers that we have seen in a travel card. If you are using this card, then you can get high rewards and cashback. It is even suitable for shopping all across the country, as it provides with discounts up to 15%. Moreover, if you subscribe to the EazyDiner subscription of the card, then you can get rewards and cashback. It even provides you with nice sign-up bonus and you can even redeem your travel points.

Annual Fee: INR 3000 per year

Why you should go for it?

This particular credit card provides you with best discounts on lifestyle, dining, airport lounges, and much more. You can get INR 4500 as a welcome gift from the credit card. In addition to that, you can even get INR 1350 or 3000 miles per year, once you renew your card.

Features

Earn Rate: You get 4 miles for every INR 100 you spend.

Est. Point Value

INR 100: 10 miles (airline transactions)

INR 100: 4 miles (others)

INR 45: 100 miles (online travel partners)

Travel Perks

Best hotel deals across the globe

15% off on airport restaurants in Mumbai & Hyderabad

Six airport lounges access per quarter

Easy redeem of miles

Fuel Surcharge Waiver: You can get contactless payment worth of INR 2000 with the card. You can also get fuel charge waiver on Indian Oil with this card.

Best Fuel Credit Cards

Fuel cards are taking over the market rapidly. Credit card companies are making more fuel credit cards to suit with the need of the customers. Here we have made a list of the best fuel credit cards that will help you to find the one that is suitable for you.

8. Indian Oil CITI Credit Card

If you are looking for a fuel credit card that will not only provide you with fuel benefits, but also discounts on dining, hotel booking, and much more, then you should go for the Indian Oil CITI credit card. The best thing about this credit card is that it provides you with 71 litres of free fuel every year. If that is not exciting enough, then the credit card even has some of the best features you will see. If you are using this credit card in IOC fuel stations, then you do not have to pay any fuel surcharge. Moreover, the card even provides you with nice discounts on dining and hotel booking with the partnered services.

Annual Fee: INR 1000 per year. If you spend more than INR 30,000 in a year, annual fee will be waived off.

Why you should go for it?

You should definitely get the Indian Oil CITI credit card if you need a good fuel card. The free fuel per year will be a great bonus for you and you can even get exciting offers on all the partner restaurants and hotels. Moreover, this particular credit card automatically converts all the big expenses into EMIs.

Features

Earn Rate: For every INR 150 you spend in an IOC fuel station, you get 4 turbo points.

Est. Point Value

INR 150: 4 turbo points (in IOC outlets and partners)

INR 150: 2 turbo points (grocery shopping)

INR 150: 1 turbo point (general)

1 Turbo point: 1 Rupee (Fuel redemption)

1 Turbo point: 0.30 paise (others)

Fuel Surcharge Waiver: No payment for fuel surcharge for using the credit in IOC fuel station.

9. ICICI Bank Coral Contactless Credit Card

If you are a beginner and need a fuel credit card, then you should try out the ICICI bank coral contactless card. It comes with tons of benefits and is easy to use. Besides that, you even get nice travel perks, like discounts on dinner, hotel bookings and even access to MasterCard lounges in airports. In addition to this, you even get two complimentary movie tickets every month. The rewards and vouchers of this particular card will suit your needs.

Annual Fee: INR 500 per year. If you spend more than INR 1.5 lakh in a year, annual fee is waived off.

Why you should go for it?

The ICICI bank coral contactless credit card is one of the best fuel cards that comes with tons of vouchers and benefits. Moreover, the reward rate of this card is more than other cards. It has micro-chip in it along with a PIN, to ensure that the card is not copied.

Features

Earn Rate: For every INR 100 you spend, you get 2 PAYBACK points

Est. Point Value

INR 100: 2 PAYBACK points (except fuel)

INR 100: 1 PAYBACK point (utilities and insurance)

INR 2 lakh: 2000 PAYBACK points (general)

INR 1 lakh: 1000 PAYBACK points (general)

Travel Perks

15% off on dinner from partner restaurants

MasterCard lounge access in Indian airports

Fuel Surcharge Waiver: Get 1% fuel surcharge every time you spend less than INR 4000 in a HPCL fuel station

10. HSBC Visa Platinum Credit Card

If you need a fuel card but don’t want to pay any annual fees for the card, then you should go for the HSBC Visa Platinum credit card. It comes with tons of offers and is even suitable for shopping and dining. Moreover, if you make a transaction within the first 2 months of receiving the card, then you can get nice offers. Some of the offers include free airport lounge access for both international and domestic flights.

Annual Fee: Nil

Why you should go for it?

You should go for the HSBC platinum credit card as it comes with really nice offers. There is no annual fees and you get tons of benefits if you make your first transaction within 60 days. Besides that, the fuel surcharge waiver is also good in this card. Moreover, you even get movie vouchers from BookMyShow, by spending around INR 50,000 in a year.

Features

Earn Rate: For every INR 150 you spend, you get 2 reward points

Cashback Requirement: You can get 10% cashback by spending a total of INR 10,000 in at least 9 transactions within 3 months.

Est. Point Value

INR 150: 2 reward points

Travel Perks

15% discount for dining in over 1000 partner restaurants

Two airport lounge access in domestic and international airports

Meal vouchers in airport restaurants

Fuel Surcharge Waiver: 2.5% fuel surcharge on transactions between INR 400 to INR 4000 at any fuel station in India

11. Standard Chartered Super Value Titanium Credit Card

If you are a person who loves managing money and keeping a strict budget for all your expenses, then this particular fuel card is made for you. It comes with tons of rewards and cashbacks and will help you in maintaining your budget. It is not only an excellent fuel card, but is even useful for getting loans from banks within 2 days. Moreover, the card is even suitable for contactless payments and online banking.

Annual Fee: INR 750 per year. If you spend more than INR 90,000 in a year, the annual fee is waived off

Why you should go for it?

The Standard Chartered Super Value credit card is the best fuel card for getting loans and transferring balance from other credit cards with a nice interest. The credit card is highly secure and anyone can apply for this credit card. Even if you are a self-employed person and earn more than INR 6,60,000 per year, then you can easily apply for the credit card.

Features

Earn Rate: For every INR 150 you spend, you get one reward point

Cashback Requirement: Get 5% cashback for spending a minimum INR 750 per month, on fuel at any fuel station

Est. Point Value

INR 150: 1 reward point (general)

For every overseas point-of-sales expenses, you get 5X reward points

Best Rewards Credit Cards

All credit card provides some benefits like reward points, dining discounts, vouchers, cashbacks, and much more. But, not all credit cards provide you with good reward points. The reward points that a credit card provides can be used to get certain gifts and other benefits. Moreover, these reward points will help you in saving money in many situations. Instead of spending money on online shopping, you can use your reward points for buying stuff. Here are some of the credit cards that are known for providing the best reward values.

12. HSBC Smart Value Credit Card

The first rewards credit card that we have in this list is the HSBC Smart Value credit card. The best thing about this credit card is that there is no joining fee. As a joining bonus, you get a voucher worth of INR 200 from BookMyShow for two months. In addition to that, you get a free subscription to Gaana+ for three months by using a credit card. The cashback value of this card is amazing and you would be able to save money effectively.

Annual Fee: INR 499 for the first year. If you spend more than INR 50,000 in a year, then the fee for the second year is waived off.

Why you should go for it?

You should select the HSBC Smart Value credit card as it comes with nice offers. You can get 3X reward points if you use your credit card for paying telecom, hotel and dining bills. Moreover, you can even get items on EMI at an interest rate of 10.99% per annum. Besides that, you will also get vouchers from Cleartrip and Amazon within 30 days of the card.

Features

Earn Rate: For every INR 100 you spend, you get 1 reward point

Cashback Requirement: Get 10% cashback by spending a minimum total amount of INR 5000 in 5 transactions within 2 months of receiving the card.

Est. Point Value

INR 100: 1 reward point (general)

Get 3X reward points on using the card for dining, hotel and telecom bills

Redeem vouchers and gifts from the HSBC reward catalogue

13. YES Prosperity Reward Plus Credit Card

The next card that we have in the rewards credit card section is the YES Prosperity reward plus credit card. The best thing about this card is that there is no joining and annual fee. Apart from that, you even get a signing bonus of 1250 reward points, if you spend INR 5000 within the first month of card usage. Moreover, the redemption options for this card is really nice. You can get anything from the catalogue of rewards from the card.

Annual Fee: Nil

Why you should go for it?

You should get the YES prosperity reward plus credit card as it gives you an opportunity to earn rewards in many places. Moreover, the redemption rate and the milestone bonus of the credit cards are amazing. You can save tons of money with the help of the reward points that you get from the card.

Features

Earn Rate: For every INR 100 you spend, you get 2 reward points

Est. Point Value

INR 100: 3 reward points (dining and online expenses)

INR 100: 4 reward points (international expenses)

INR 100: 2 reward points (general)

INR 100: 5 reward points (birthday expenses)

For every YES PayNow registration: 500 reward points

4 reward points: 1 JP Miles

INR 3.6 lakh per annum: 12,000 reward points

4 transactions of INR 500 each (monthly): 100 reward points

14. HDFC Freedom Credit Card

If you are looking for a credit card where you can get decent rewards and don’t have to pay much for the annual and joining fee, then you should apply for the HDFC Freedom Credit Card. Moreover, you even get insurance covers for fire, burglary and even accidental death insurance covers. You even get milestone bonus and nice redemption options for all your reward points.

Annual Fee: INR 500 per year. If you spend more than INR 60,000 in a year, the annual fee gets waived off.

Why you should go for it?

If you need a credit card that not only provides you with high rewards but also vouchers and other benefits, then you should go for the HDFC freedom credit card. You get gift vouchers worth of INR 1000 after spending more than INR 90,000 in a year. There are even cashback options in return for rewards.

Features

Earn Rate: For every INR 150 you spend, you get 1 reward point

Est. Point Value

INR 150: 1 reward point (general)

5X reward points, if you use the card for shopping

10X reward points, if you use the card for PayZapp and SmartBuy

25X reward points for using the card on birthday expenses

Spend INR 90,000 in a year and get vouchers of INR 1000

15. Standard Chartered Platinum Rewards Credit Card

The Standard Chartered Platinum rewards credit card comes with nice offers at a minimum annual and joining fee. You only have to pay INR 250 as a joining fee and then an annual fee of INR 250 per year. It provides some nice rewards for everyday spending and even on expenses on fuel and dining. If you are not sure about reward credit cards and need one to try out, then start with this particular card. You would be able to save money with the reward structure of the credit card.

Annual Fee: INR 250 per year

Why you should go for it?

If you are new to rewards credit cards and need one to experiment, then this particular credit card is made for you. Moreover, if your transaction is more than INR 5000, you can even convert it to EMI with this card. Besides that, you can even convert the entire balance (maximum INR 5 lakh) into EMI without paying a single penny for the processing fee.

Features

Earn Rate: For every INR 150 you spend, you get 1 reward point

Est. Point Value

INR 150: 1 reward point (general)

INR 150: 5 reward points (dining and fuel)

Get 5X reward points on shopping

Best Cashback Credit Cards

Who doesn’t love getting cashbacks for every expenditure? Well, to encourage people to use credit cards, companies are providing exciting cashback offers on all kinds of expenditure. Moreover, you can even save money with the cashback offers. If you are looking for a credit card which will provide you with the maximum cashback, then we have the best ones for you. Here we have listed out the best credit cards that offers amazing cashback offers for the users.

16. Axis Bank My Zone Credit Card

The Axis My Zone credit card is one of the best credit cards from the bank. It is best known for its cashback offers along with other vouchers and signing bonus. The joining and annual fee is only INR 500 and if you spend INR 5000 within the first 45 days, then you don’t have to pay the joining fees. Besides that, you can get around 25% cashback by using the cards for booking movie tickets. Moreover, you even get high reward points if you use the card during the weekends. It is the best card to use for parties and watching movies as it provides nice offers.

Annual Fee: INR 500 per year

Why you should go for it?

Apart from the amazing cashback offers, the My Zone credit card even has nice interest rates and is best for people who need bonus and vouchers for online shopping and as such. You even get bonus reward points while using the card for the first time for online shopping. You even get free airport lounge access by using the card.

Features

Earn Rate: For every INR 200 you spend, you get 4 reward points

Cashback Requirement: Get 25% cashback by using the card for booking movie tickets

Est Point Value

INR 200: 4 reward points (general)

INR 200: 20 reward points (online shopping on weekdays)

INR 200: 40 reward points (online shopping on weekends)

Get 100 reward points by using the card for online shopping

Get 10X reward points by using the card for dining during weekends

Get 5X reward points by shopping at partnered stores

Travel Perks

4 complimentary free airport lounge access per year in India

Fuel Surcharge Waiver: Get 1% fuel surcharge at any fuel station in India for transactions between INR 400 to INR 4000

17. HDFC Bharat Cashback Card

The next cashback card that we have on this list is the HDFC Bharat cashback card. It does not have much reward point offers, but when it comes to cashback, you can get cashbacks on every transaction you make. By using this card, you can get up to 5% cashback for groceries, mobile recharge and much more. Moreover, you can redeem the cashback points for actual cash and later use it for other expenses.

Annual Fee: INR 500 per year. If you spend more than INR 50,000 in a year, then the annual fee will be waived off.

Why you should go for it?

Talking about the benefits that you can get from this card, there are tons to mention. You can get accidental coverage, if you use this card to make four monthly transactions of value INR 100. Besides that, you can even get death insurance up to INR 50 lakhs and also insurance cover for theft of INR 2 lakhs.

Features

Earn Rate: For every rupee you spend, you get 1 reward point.

Cashback Requirement: Get 5% cashback for using the card on groceries, fuel, mobile bills, etc. You can get cashback of 5% by using the card to make payments on SmartBuy, EasyEMI and PayZapp.

Fuel Surcharge Waiver: Get 1% fuel surcharge waiver in any fuel station across India, by using the card.

18. Kotak Delight Platinum Credit Card

The Kotak Delight Platinum credit card is one of the most referred credit cards by experts. You get nice cashback offers, vouchers and can save money easily. Moreover, you even get cashback for every transaction you make. Moreover, you can get a cover of around INR 1.25 lakhs in case of theft or misplacement of the card. You even get options for cashback. One of the most famous options is that you can either get INR 750 as a cashback or 4 PVR tickets, if you spend more than INR 1.25 lakhs in every six months.

Annual Fee: INR 299 per year.

Why you should go for it?

If you need a credit card that can offer you with nice lifestyle bonus and vouchers, then you should go for this card. The cashback rate of this credit card is high as compared to others in the field. You will even get 2 vouchers from BookMyShow, the first time you use this card. It would help you to save money and maintain a nice lifestyle at the same time.

Features

Cashback Requirement

Get 10% discount on dining and movies

You can either opt for a cashback of INR 1500 per year or 8 PVR tickets

For transactions over INR 10,000, you get 10% discount for any movie tickets

Maximum cashback for each cycle in dining and entertainment is INR 600

Fuel Surcharge Waiver

Get fuel surcharge waiver of INR 4500 per year. The waiver is valid for transactions between INR 400 to INR 4000

Get fuel surcharge waiver of INR 500 on railway ticket bookings

Get 2.5% fuel surcharge waiver at the Indian Railways booking counter

Get up to 1.8% waiver by booking at the Indian Railways website

Best Entertainment Credit Cards

Entertainment credit cards, as the name states are designed specifically for entertainment usage. If you are one of those people who love partying, watching movies and dining at restaurants, then entertainment credit cards are your type. They do not provide much rewards or cashbacks but they do give you tons of discounts on movies and dining. Here is a list of some of the best entertainment cards that we found to be suitable.

19. Kotak PVR Credit Card

As the name states, the Kotak PVR credit cards is made for those who love watching all first show first day. It does not have much rewards or cashback offers, but will provide you with the best tickets so that you can enjoy your show. The Kotak PVR card comes in two forms: Platinum and Gold, and the benefits are quite the same. You can get up to 24 movie tickets per year by spending a threshold amount for your expenses. You can even get cashback for every movie ticket booking.

Annual Fee: INR 499 per year (for gold)

Why you should go for it?

If you do not need much reward points or cashback and vouchers, but need a card specifically for watching movies, then you should get a Kotak PVR credit card. It provides you with 2 free PVR tickets once you spend more than INR 15,000 in a month. Besides that, you get cashback for every ticket booking you make.

Features

Cashback: Get 5% cashback for every movie ticket booking. Get 15% cashback on food and drinks in PVR theatres

20. SBI Elite Credit Card

If you are looking for a credit card that can not only provide you with entertainment benefits, but also benefits for travel and shopping, then you should go for this particular card. Though the annual fee is quite high as compared to other credit cards, the benefits are quite extravagant too. By signing up for this credit card, you can get free tickets worth of INR 6000 for free, per year. Besides that, you get a bonus of 50,000 reward points every year. You will even get an e-gift voucher as a signing voucher which is worthy of INR 5000.

Annual Fee: INR 4,999 per year. If you spend more than 10 lakh in a year, the annual fee gets waived off.

Why you should go for it?

Apart from the amazing entertainment benefits that the credit card provides, you will get amazing offers on fuel surcharge and milestone bonus. You will get complimentary movie tickets from BookMyShow worthy of INR 6000 per year. Moreover, you can even get a discount of INR 250 on every ticket you book.

Features

Earn Rate: For every INR 100 you spend, you get 2 reward points.

Est. Point Value

4 reward points: 1 rupee

INR 100: 10 reward points (dining, groceries and departmental stores)

INR 100: 2 reward points (general spending except on fuel)

INR 3 lakh- 4 lakh per year: 10,000 reward points

INR 5 lakh per year: 15,000 reward points

INR 8 lakh per year : 15,000 reward points (additional)

Travel Perks

Six international and two domestic airport lounge access per year

Complimentary membership to Club Vistara

Trident privilege membership

Visa privileges

21. SBI Card Prime

The next entertainment card that we have for you is the SBI Card Prime. It has some of the nicest benefits that we have seen and is even affordable. The annual fee is quite less compared to other entertainment cards and you get tons of vouchers and benefits from the card. Besides that, you get high reward points for every INR 100 you spend. The card even offers a free movie ticket every year to its users. You even get to experience some of the premium benefits from this card.

Annual Fee: INR 2,999 per year. If you spend more than INR 3 lakh in a year, then the annual fee is waived off.

Why you should go for it?

Apart from the amazing benefits, you even get to have some nice welcome gifts. One of the most exciting welcome gifts from SBI Card Prime is the e-gift voucher of INR 3000 from any of the partner brands like Pantaloons, Yatra.com or Shoppers Stop. The rewards program of this card is also amazing and you can earn rewards all the time. You can use these reward points to book movie tickets and get dining discounts too.

Features

Earn Rate: You get 2 reward points for every INR 100 you spend

Est. Point Value

INR 100: 10 reward points (dining, movie tickets, groceries, departmental stores)

INR 100: 2 reward points (general)

INR 100: 15 reward points (Big Basket)

INR 100: 20 reward points (utility bills)

4 reward points: 1 rupee

INR 100: 20 reward points (birthday expenses)

Travel Perks

4 complimentary international airport lounge access

8 complimentary domestic airport lounge access

4 Green Fee waiver per year (golfing)

Best Premium Credit Cards

Premium credit cards are designed for a specific type of facility for the user. There are various kinds of premium cards designed for international tours, for golf courses, regular users, and much more. To help you out in selecting the best premium card, we have made this list for you. The below premium credit cards are some of the most popular cards in the market.

22. HDFC Bank Regalia First Card

The first premium credit card that we have is the HDFC Bank Regalia First card. This card is made for people who are always on international tours. The joining fee and the annual fee for the card is INR 1000 each. You get to have tons of benefits from the card like lifestyle and travel benefits. Moreover, the reward values are also amazing and you can even redeem them for flight tickets.

Annual Fee: INR 1000 per year. If you spend more than INR 3 lakh in a year, the annual fee will be waived off.

Why you should go for it?

If you are a person who is always seen on international flights and needs travel benefits, then you should go for this premium card. The card even offers you a joining bonus of 1000 reward points, which you can later redeem for free flight tickets. Moreover, the card even provides you with free insurance, hospitalization and accidental flight death.

Features

Est. Point Value

INR 6 lakh per year: 7500 reward points (general)

Joining bonus of 1000 reward points

Travel Perks

Get a discount of 15% on premium restaurants all over India

Priority pass membership, allowing you access to more than 700 airport lounges

Get free access to 8 domestic airport lounges each year

Mark up fee of 2% on foreign currency for international travelling

23. HSBC Premier Master Card

If you are a golf enthusiast, then the HSBC Premier Master card is made for you. Though the card does not have any reward points or benefits on other facilities, but it provides you with tons of golf benefits. The best thing about this card is that there is no annual fee for the card. You can get access to all the finest golf courses in India and abroad, without having to pay anything as an annual fee.

Annual Fee: Nil

Why you should go for it?

The HSBC Premier Master card is made specifically for people who love playing golf. With a single card you can get to play golf at any fine course in any country. Moreover, you even get to have certain golf benefits from the card too.

Features

Free membership with discount

Access to more than 2000 golf courses all over the world

Get access to all the finest golf courses in India

Get free five games on Indian golf courses

24. HDFC Infinia Credit Card

If you are looking for a premium credit card that provides you with tons of benefits and does not have any pre-set spending limit, then you should check out the HDFC Infinia credit card. Though the joining fee is quite high as compared to other credit cards, but it provides with nice benefits. You get to have travel benefits, dining benefits and even rewards on every expenditure. Another interesting thing about this card is that the reward points for the card will expire after three years.

Annual Fee: Have to pay a joining fee of INR 10,000

Why you should go for it?

The HDFC Infinia credit card does not have any spending limit, hence allowing you to have control over your expenses. Besides that, you even get benefits like complimentary golf games in some of the best courses in the country. You even get discounts for dining and lifestyle expenditure.

Features

Earn Rate: For every INR 150 you spend, you get 5 reward points

Est. Point Value

INR 150: 5 reward points (general)

Convert reward points into Miles and use them to get free tickets

Travel Perks

2% foreign currency mark-up on every international expenditure

Access to more than 1000 lounges all over the world

Get 20% off on weekends at Marriott hotels in Asia Pacific

20% off on selected restaurants and lifestyle stores

100% green fee waiver for primary card holders

15% off on dining at more than 3000 restaurants

25. Citi Prestige Credit Card

The Citi Prestige credit card is made for golf enthusiasts in the country. This particular premium card gives you the access to some of the best premium golf courses in the country. Besides that, it is super easy to apply for a card. You can either apply through online method or by visiting the bank. The Citi Prestige credit card even provides you with free green fees at selected golf courses all over the world.

Annual Fee: Nil

Why you should go for it?

If you are looking for a premium card that can provide you with good golf benefits inside the country, then you should apply for the Citi Prestige credit card. The benefits are quite good and you do not have to go through tons of procedures to get the card.

Features

Free green fees at selected golf courses all over the world

Access to premium golf courses in India

Get 4 free golf lessons each year in the best 15 Indian golf clubs

Get 4 free rounds of golf every year, at 15 selected Indian golf clubs

26. ICICI Bank Credit Cards

If you need a premium card to help you out in golfing sessions, then the ICICI bank credit card is the best option for you. It is best for beginners as it provides nice golfing benefits at some of the finest golf clubs in the country. The joining fee is quite less as compared to others, and you get to have access to the best golf courses in the country.

Annual Fee: Nil

Why you should go for it?

For beginners, the ICICI bank credit card is the best option to try out golfing. Moreover, you get to have nice benefits by only paying INR 500 as the joining fee. Besides that, you even get to have free rounds every year by using the card.

Features

Free golf rounds in Indian golf courses every year

Save on green fees

Get additional rounds

Exclusive benefits at eight Indian golf clubs

Access to the best nine golf clubs in the country

Best Credit Card In India With No Annual Fee

If you want to try out credit cards but are sceptical about the annual fees, then you should go for credit cards that do not have any annual fees. Certain banks have created credit cards with no annual and joining fees, specifically for the beginners. These cards will help you know the usage and benefits of credit cards. Here is a list of the best credit cards that do not charge any annual fees to its user.

27. Amazon Pay ICICI Bank Credit Card

The first card that we have in this category is the Amazon Pay ICICI bank credit card. If you love shopping from Amazon, then this card will be a boon for you. Amazon collaborated with ICICI and made this card for its potential users. Moreover, it is a Lifetime free credit card that comes with tons of benefits. The cashback offers are amazing and you get to use all the facilities of Amazon.

Annual Fee: Nil

Why you should go for it?

For a person who loves shopping on Amazon, this card is a must. Even if you have never used a credit card, this would be a great opportunity for you to try it out. Besides that, you don’t even have to pay any joining and annual fees and get amazing cashback and reward points for every purchase you make.

Features

No earning limit

No expiry dates for the earnings on the card

Get 5% cashback for every transaction made with this card (for Prime members)

Get 3% cashback for every purchase from Amazon (non-Prime members)

Earn 2% through transactions made with partner merchants

Earn 1% for every general transaction made

Get fuel surcharge waiver of 1% at HP stations, for transactions of INR 4000

Get 15% off on dining at select restaurants

28. ICICI Platinum Chip Credit Card

The next credit card that we have on this list is the ICICI platinum chip credit card. It is one of the best credit card that you can get as a beginner. Though you have to pay the annual fee of INR 499 for the first year, it would be waived off from the upcoming year. Besides that, the card provides you with nice PAYBACK points for every transaction you make.

Annual Fee: INR 499 for the first year

Why you should go for it?

The ICICI Platinum chip credit card is the easiest card to apply. Besides that, you get to have the benefits of reward points and travel perks. For every transaction you make, you will earn some reward points, that you can use for later purchase. You can even redeem your reward points for free movie tickets and travel vouchers

Features

Earn Rate: For every INR 100 you spend, you get 2 PAYBACK points

Est. Point Value

INR 100: 2 PAYBACK points (except fuel)

INR 100: 1 PAYBACK point (utilities and insurance)

29. Central Bank Of India Titanium Credit Card

For people who love traveling, this particular credit card will be a great add-on. You can get all the travel perks and vouchers without having to pay a single penny for the joining fee and annual fee. Besides that, this credit card will help you with your shopping expenses. For every transaction, you will get loyalty points and even exciting vouchers.

Annual Fee: Nil

Why you should go for it?

If you need a card to help you manage your shopping bills and earn rewards for every transaction, then you should definitely apply for this card. You will even get a credit free usage for 55 days and the card won’t even charge you for add-on cards.

Features

Earn Rate: For every INR 100 you spend, you will get 1 loyalty point

Travel Perks

Complimentary lounge access in selected airports in India

30. Kotak Urbane Gold Credit Card

If you need a credit card for your shopping and movie expenses, then you should try applying for the Kotak Urbane Gold credit card. However, you would have to pay an annual fee of INR 199 every year. But, if you around INR 15,000 within 3 months of receiving the card, then the fee will be waived off. Talking about the rewards, you will get reward points for every transaction you make.

Annual Fee: INR 199 per year. If you spend a minimum of INR 15,000 within 3 months, the annual fee is waived off.

Why you should go for it?

The Kotak Urbane Gold credit card is one of the best credit card that you can get at a cheap annual fee amount. Moreover, the rewards and benefits of this card is quite phenomenal and will help you in managing your expenses.

Features

Earn Rate: For every INR 100 you spend, you will get 3X reward points

Benefits

Redeem 1000 reward points and get INR 75

Get a coverage of INR 50,000 in case of card loss

Get an add-on card without any extra charge

Get 4 PVR tickets by spending INR 1 lakh in a year else 10,000 rewards

Best Credit Cards For Dining

If you are looking for a credit card that offers great discounts on dining at select restaurants and other extra benefits too, then you should check out the below credit cards. These cards are specifically made for dining and will provide you with tons of benefits too.

31. HDFC Bank Diner Club Black Card

For people who always travel internationally, this card will be a perfect boon them. It is a card that HDFC made along with Diner Club and is known for its best features. Though the joining and annual fee is a bit high, the benefits are worthy of the investment. You have to pay INR 10, 000 as a joining fee, after which you can avail of tons of signing bonus and other features.

Annual Fee: INR 5000 per year. If annual spending is more than 5 lakh, then annual fee is waived off.

Why you should go for it?

If you are looking for a card that will provide you with exciting discounts and reward points, then you should definitely select this particular card. You even get access to airport lounges all over the world. Moreover, for every transaction, you get reward points, which you can redeem for free services.

Features

Get access to 700+ airport lounges all over the world

Get dinner discounts of 15% at select restaurants worldwide

Get 50 reward points for all international expenditures

Redeem your reward points for getting hotel bookings, air tickets, etc.

Get insurance cover for all kinds of accidents and delays.

32. Jet Privilege HDFC Bank Diners Club Card

If you travel by Jet Airways on a regular basis, then you should get this credit card for sure. It comes with tons of benefits and will help you in managing your international expenditure. The joining fee for this card is INR 10,000 and the renewal fee is half of it. Besides that, the card provides you with reward points, which you can redeem to get free flight tickets.

Annual Fee: INR 5000 per year. It will be waived off if your annual spending is more than 8 lakhs

Why you should go for it?

If you are an international traveller, then you should definitely get this card. It not only provides you with nice reward points, but even gives you nice discounts ta top notch restaurants all over the word. You even get to enjoy certain travel perks with this card.

Features

Extra discounts at select restaurants all over the world

Free airport lounge access at select airports

Extra baggage allowance

Priority check-in

Best Credit Card For Free Airport Lounge Access

Airport lounge access can be a great benefit for people who continuously travel. However, getting access to airport lounge can cost you a lot. If you are a person who travels a lot, then you should get a credit card which provides you with free airport lounge access in almost all the airports. Here is a list of some of the best credit cards with free airport lounge access.

33. InterMiles ICICI Bank Sapphiro Credit Card

The InterMiles ICICI credit card is made for people who are always on a rush. The best thing about this credit card is that it allows contactless payments in all places. Moreover, you get bonus reward points of 5000 every year, which you can redeem to get free tickets and other benefits. The card not only provides you with free airport lounge access, but even gives you free spa visits, movie tickets, fuel surcharge waiver and much more.

Annual Fee: INR 5000 per year.

Why you should go for it?

The InterMiles ICICI bank credit card is made for avid travellers. It will be the greatest add-on to your travel perks and will help you in saving money on your expenses. With every transaction, you will get reward points and other nice benefits.

Features

Get free airport lounge access in airports all across the world

Dinner discounts up to 15% at select restaurants

2 complimentary spa visits per year

Discounts on movie tickets

5000 reward points every year

Complimentary discount of INR 500 every year

1% fuel surcharge waiver for INR 4000 transaction at any fuel station

34. American Express Platinum Travel Credit Card

The American Express Platinum credit card is also known as a premium credit card due to its certain features. It not only provides you with lounge access at top-notch airports in India but even gives its users a range of benefits.

Annual Fee: INR 3500 per year

Why you should go for it?

For people who are always traveling to different cities for business, the America Express Platinum credit card will be perfect for them. It provides you excellent assistance all over the world and even gives you top-notch service in the airports.

Features

Get lounge access to 4 domestic airports in selected cities every year

Get priority pass membership for free

Get round the clock Platinum assist

Emergency card replacement anywhere in the world

35. Axis Bank Vistara Infinite Credit Card

For people who want to try out credit cards with free lounge access, this would be a perfect first card. Though the annual fee is a bit high, the services and benefits that come along with the card are worthy of the investment.

Annual Fee: INR 10,000 per year

Why you should go for it?

This particular credit card not only provides you with free airport access but even gives you discounts at many restaurants and free memberships too. Moreover, you even get a complimentary business class seat reservation as a joining bonus.

Features

Complimentary business class seat as a joining bonus

Get 15% discount at select restaurants

Get free Club Vistara Gold membership

Get access to 6 golf courses in the country

Get 10,000 Club Vistara points by spending 1 lakh in a year

How To Choose Top Credit Card For You?

With tons of credit cards already available in the market, it can get really difficult to choose a card for yourself. To help you out, we have created this guide for you. It consists of the important factors that you should look for in a credit card before applying for it.

Annual Fee

The foremost thing that you should look for in a credit card is the annual fee of the card. Annual fee is the amount of money you have to pay to the company every year, for using the credit card. While most of the credit cards have less annual fee, around INR 250, others have annual fee as high as INR 10,000. Before applying for a credit card, make sure to check for the annual fee as you would have to pay the amount even if you have not used the card in a year. There are credit cards with no annual fees too. You can apply for those cards if you are a beginner and cannot pay the annual fee.

Type Of Credit Card

The next thing to keep in mind is the type of credit card that you need. There are various kinds of credit cards available like credit cards for entertainment, for travelling, for free airport lounge access, for dinning, and much more. Before applying for a credit card make sure to note down the type of credit card that will suit your needs. It will help you in selecting the perfect card without any difficulty.

Benefits

All credit cards provide certain benefits to its users. While some credit cards provide only reward points, others go as far as providing complimentary golf lessons, free movie tickets, discounts on dining, and much more. Look for the type of benefits that the credit card is providing before you apply. The more are the benefits, better is the credit card. There are premium credit cards that only provide you with one kind of facility. Check out the cards that suit you best and then avail the benefits.

FAQs

What is a premium credit card?

A premium credit card is a card designed for providing one kind of facility to the users. There are premium cards made for golf services only, while some are designed only for travel perks.

Can I get a credit card with no credit history?

Yes, you can apply for a credit card without even having any credit history. Some of the credit card companies have this particular feature for beginners.

Are there credit cards with no annual fees?

Yes, there are credit cards available for which you do not have to pay any annual or joining fee at all.

What are the types of benefits that I can get from a credit card?

You can get reward points for every transaction you make using your credit card. Other than that, you can even get a fuel surcharge waiver, free movie tickets, access to airport lounges, and much more.

What is the earn rate?

Earn rate is the value of every transaction you make. It states the amount of reward point you will get for spending INR 100.

source https://invested.in/best-credit-cards-in-india/

source https://investedindia.wordpress.com/2022/02/02/best-credit-cards-in-india/

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akankshasmishra · 3 years

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New IndusInd Legend Signature Credit Card And Its Review

One of the underrated credit cards is the IndusInd Legend Signature credit card. Maybe the extreme high fee is one of the reasons behind this. But more things need to be appreciated. And there are some more interesting things – you could also be a part of it. How? To know more, scroll down to know about “New IndusInd legend signature credit card and its review”.

Key – Highlights

Well, there are quite attractive features which makes it a top competitor.

Up to 3 free tickets in a month from BookMyShow, and Rs 200 of each ticket can be available.

You can get access to 600+ international airport lounge, and the charges of visiting the international lounge are waived off.

Golf rounds and lessons from leading golf brands of different states like Chennai, Ahmedabad are offered.

The fuel charge is also waived off – up to Rs 4000 can be waived off in a month.

24×7 hour concierge service is also another good point to discuss.

Auto assist facility – like emergency refuel, roadside repair and much more.

Good coverage amount in almost everything – starting from losing passport to air accident coverages are good.

Rewards

Good rewards are always expected, and here it is no exception.

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There is quite a lot of information about redeeming the rewards.

First, there are vouchers from the Indus Moments Rewards catalogue; you can redeem rewards from there quickly.

Second, each reward point stands for Rs 1 – so you can understand how much they are worthy!

Third, you can also convert the reward points into air distance like Intermiles or Vistara points.

Charges

The fees and various charges are discussed below:

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If you look more closely, you can notice a similarity between every IndusInd credit card. In fact, not for IndusInd, there are almost the same fees for every card of the same bank.

Features And Benefits

Here are the main things to discuss – by looking at this point, one can understand why applying for the card. So, let’s check out all the benefits and features.

1. Rewards program: The rewards programs are limited but quite adequate in the amount. Like you see, for every Rs 100 you spend, you will be rewarded 1 or 2 reward points equivalent to Rs 1 or 2 on weekdays and weekends, respectively. Again, you will be awarded bonus points to spend a certain amount as mentioned by them.

2. Enjoy Golf rounds: You can fulfil your golf lesson and golf watching dream using this credit card. Unfortunately, they didn’t disclose the number of times you can enjoy the golf lesson and watching golf round – maybe when you apply for this card, you will get to know. Esteemed golf clubs from different states like Chennai, Ahmedabad, Mumbai, Pune, Delhi host individual golf lessons, and you can participate. Moreover, you are eligible to claim a Hole-in-one insurance amount of Rs 20000.

3. Enjoy movies from BookMyShow: You should not compromise with your entertainment also! IndusInd has brought you such an opportunity to get a free ticket with another one you bought for. Thus, you can get up to 3 free tickets in a month, and the maximum discount you can get is Rs 200 on each ticket. But keep in mind that you have to purchase tickets from BookMyShow.

4. Lounge access and membership: Like any other premium card, you will get priority pass membership and lounge access to 600+ airports around the globe. Not only you, but you can also save money with another companion (i.e. this offer is applicable for 2 persons – one is the primary cardholder and another is anyone). Thus, you can save up to Rs 13200 in a year.

5. Waive off the fee of international lounge visits: You have to pay $27 for every single international lounge visit. But if you use this credit card, this fee is waived off, and there are 8 chances to do so. Actually, you will get a membership under “Travel Plus” worth Rs 5000, and from this membership, you will get this facility.

6. Waive off fuel charges: Generally, 1% of the fuel charge is applied, but you can waive off the fuel charges using this card. The only condition is you have to refuel from HPCL, IOC and BPCL petrol stations. But keep in mind that the maximum waived off charge ranges between Rs 400 and Rs 4000.

7. 24×7 hours concierge service: This is very common to all the premium cards – you can get advice and concierge service regarding table and restaurant reservations, international gift deliveries and much more.

8. Miscellaneous services: IndusInd has introduced an auto assist service, which provides an instant service in case of unexpected events. Your car may suffer from a flat tyre; you may be locked inside the car – you will get instant relief from these types of cases. Apart from these, you can enjoy roadside services, emergency fuel refills, battery services, and much more.

9. Good coverage amount: While travelling outside, you will get enough coverage amount in an emergency or unexpected case. Like those, I am going to discuss –

Rs 50000 can be claimed in case of losing passport.

Rs 1 lakh can be claimed when losing baggage, and Rs 25000 can be claimed in delayed baggage.

You will get Rs 25000 in case of losing the ticket as coverage.

The coverage amount of Rs 25000 can be claimed in case of a missing flight.

Rs 25 lakh can be claimed in case of an air accident while travelling overseas.

Up to the credit limit, you will get the card lost liability cover.

Cards Similar To The Card

Many same-level competitors give head-to-head competition with this credit card.

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Who Should Opt For This Card?

At a quick look, we can identify that this is a premium card, but remember that a common person can also enjoy the premium card if the fees are lower. But here, the cases are mixed. This means the joining fee is too high, but there is no annual fee. So, there is a bit of confusion for the common people.

If you take the case of zero annual fees, other banks are available that do not charge an annual fee. Moreover, if they do, some transaction goals will waive off the annual fee. So, the choice is yours!

Why Is This Card better than other cards?

Actually, there are very few points to support this statement.

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How to apply for this card?

I don’t know whether you are interested in applying for this card or not. Let’s discuss the point for the interested one.

Go to the official website www.indusind.com.You will find some questions are asking for details. Fill very carefully.

In the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

Fill the forms very carefully. And also, read all the disclaimer terms and conditions before applying.

I am not describing all the points for applying for the card. It is a straightforward process. Fill in the form and enter the following form by clicking on the “next” button. Remember- forms will be rejected in case of any false information.

Eligibility Criteria And Documents Required

You have to be an Indian.

Your age should be between 18 – 65 years old.

The minimum income requirement is Rs 3.6 lakh per annum if you are a salaried person. And for a self–employed person, the minimum income should be Rs 4.8 lakh per annum.

A good credit score and credit history is needed.

Documents Required

Proof of identity and proof of address/residence is sufficient for applying for this card. You can choose anyone for each case from the below list:

AADHAR card, PAN card, Voter card slip, driving license – for identity proof.

Ration card, water bill, gas connection bill, the electric bill – for address proof.

Form 16 or last 2 months payslip – for income proof.

Frequently Asked Questions

1. Is everyone free to apply for this card?

There are no special requirements mentioned from IndusInd bank. Yes, you have to meet the normal or general criteria like age criteria, income criteria – these are common for all banks. And good credit history is prioritized.

2. What is the customer care contact number?

The number is 18602677777, and you can contact over there for any issues. The concierge service is also served from this number.

3. What to do, if I lose the card?

Ans: There are two options are available to you – one is you can contact the bank executives and customer care to block the credit card immediately within 24 hours of losing the card. Another one is you can block the card from your own by using the IndusInd bank official app or net portal.

4. Are there any premium features available on this card?

There are lounge access and priority membership available. You will get complimentary lounge access to 600+ airports, and for your information, this offer is available only for the primary cardholder. Auto assist is another unique feature that is available with this card. It is recommended to read the features and benefits section.

5. Which is better IndusInd Legend or IndusInd Iconia?

It is better not to comment on this type of questions. Because both of the cards are best at their point of view – premium features with premium card and fees and you have to compromise some features if the fee is less!

Final Talk

Here, the time comes for the conclusion. There are no extra rewards or benefits that make it unique. Moreover, among the premium cards, it charges significantly higher than others.

I hope you have cleared all the doubts by reading this article. Thank you and see you again later!

source https://invested.in/new-indusind-legend-signature-credit-card/

source https://investedindia.wordpress.com/2021/09/22/new-indusind-legend-signature-credit-card-and-its-review/

0 notes

akankshasmishra · 3 years

Text

SBI Prime Credit Card Review

SBI Prime Credit Card was introduced in the year 2017. From the start, this credit card has taken its journey on another level. This card allows a lot of things like flight memberships, hotel memberships, golfing benefits, etc.

This review will give you a way to understand this prime card’s concept and help you decide to have the best credit card.

Key Highlights

It serves you with 20 reward points on every Rs.100 on your birthday.

You have access to the domestic and international lounge, which is completely complimentary.

Vouchers on welcoming you of Rs.3,000, which are of Hush Puppies, Pantaloons, Bata, Marks & Spencer, Shoppers Stop, and Yatra.com.

Membership of Trident Privilege Red Tier, which is also complimentary.

Another best complimentary Silver membership of Club Vistara.

Vouchers of Milestone of Rs.1,000.

Your annual fee can be waived off if you exceed your expenses to Rs.3 Lakh.

If you purchase more than Rs.50,000 in a quarter, you win a Pizza Hut voucher of Rs. 1,000.

Rewards

SBI Prime Credit Card has three different kinds of rewards. They are: – Regular, Accelerated, and Milestone.

1. Regular Rewards

On every Rs.100 expense, you can receive 2 reward points.

The value of 1 reward point is Rs.0.25.

2. Accelerated Rewards

It serves you with 20 reward points on every Rs.100 on your birthday.

It serves you with 10 reward points on every Rs.100 on movies, dining, groceries, and departmental stores.

It serves you with 20 reward points on every Rs.100 on standing instructions.

It serves you with 15 reward points on every Rs.100 on BigBasket.

3. Milestone Rewards

With the voucher of Yatra or Pantaloons, you can get Rs.7,000 on spending Rs.5 Lakh.

With the e-voucher of Pizza Hut, you can get Rs.1,000 on spending Rs.50,000.

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Who Should Opt for This Credit Card?

The people who want to access the luxury joys, like, hotel stays, car rentals, airport transfer services, etc.

If you have the practice of pay out a lot of capital on your birthday, anniversary, etc.

If you are fond of golf sport and do not like to miss any golf opportunities.

If you are a traveller and fond of booking flight tickets and access the airport lounge.

Such people should definitely opt for this SBI Prime Credit Card.

Features And Benefits

1. Contactless Advantage

SBI Prime Credit Card made life easy on daily purchases, as now you will have to wave your card on the transaction machine.

As your card remains with you, there will be zero risks of card loss or fraud. In addition to it, if your card is waved multiple times from the same transaction machine, the unique security key feature will help you, and only one transaction will be cleared from your account.

2. Add-On Card Facility

With your add-on card facility, you have the liberty to add up to 2 members of your family. (children, siblings, spouse, parents – +18 years of age)

3. Global Acceptance

Across the nation, SBI Prime Credit Card is considered valid at over 24 million outlets, and in India, we have 3,25,000 outlets.

4. Fraud Liability Cover

You get Rs.1 Lakh as complimentary for Fraud Liability Cover.

In the case of losing the card, the card remains active for 48 hours after reporting the problem and 7 days post reporting.

You get access to Rs.50 Lakh for Air Accident Liability Cover, which is complimentary.

5. Emergency Card Replacement

If you have lost your card in India, you can dial for help on 1860 180 290 or 39 02 02 02, give a prefix local STD local.

If, in any case, you want to replace your SBI Prime Credit Card, you can replace it from anywhere in the world. This facility is for 24×7 even if you are travelling anywhere in the world.

6. Cash Access Around The World

You can access Visa/Mastercard/American Express ATMs worldwide to withdraw cash, and we have over 1 million places to withdraw cash.

7. Safe And Secure

You get the security with the chip and pin to use while going through the transaction against skimming and counterfeiting.

8. Easy Bill Pay Facility

Through your SBI Prime Credit Card, you can pay your telephone bill, electricity bill, utility bill, as well as a mobile bill by using the Easy Bill Pay facility.

9. Flexipay

You can convert your daily transactions on easy monthly instalments by using Flexipay. While using Flexipay, if you come across to have a transaction of Rs.2,500 or above by SBI Prime Credit Card, log on to the SBI website within 30 days of purchase to convert it to Flexipay.

10. Balance Transfer On EMI

If you want a low rate of interest and the paybacks of EMIs, transfer your outstanding balance from your other banks to your SBI Prime Credit Card account.

Fee And Charges

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Eligibility and Documents Required

Eligibility

The cardholder who is Add-on should be 15 years and above.

The cardholder doesn’t need to be an Indian resident.

The main cardholder should 18 to 70 years of age.

Document Required

PAN Card or Form 60

Driving License

Aadhaar Card

Photograph Passport Size

How to Apply for the Card?

The steps you need to follow to apply for this SBI Prime Credit Card are: –

1. By selecting “Check Eligibility,” you need to check your eligibility first.

2. You will see the column to submit some details.

3. You will be asked to add your documents.

4. Using the feature o “Track Application,” track your ID and get your application to you.

FAQS

1. Is SBI Prime Credit Card a contactless card?

Yes. It has the capacity of technology that enables swipe-less transactions that make it possible with the tag of the contactless card, the SBI Prime Credit Card.

2. Is the SBI Prime Credit Card valid abroad?

Yes. This SBI Prime Credit Card is valid all across the nation, and the SBI Prime Credit Card is valid at 24 million places overseas. You will be charged a 3.5% transaction fee every time while using this card in a foreign country.

3. Can we report the loss of the SBI Card PRIME Credit Card? If yes, how?

Yes. In any case, if you lose your SBI Prime Credit Card in India, then you have an option to report it by calling on customer care number which is, 1860 180 1290 or 39 02 02 02 (prefix local STD code). But in any case, you miss placed the SBI Prime Credit Card abroad; you can call the embassy or VISA representative of the country and report your problem. All the countries’ toll-free numbers are mentioned on the SBI website or VISA website too.

4. How many add-on credit cardholders can we avail of on a single SBI Prime Credit Card?

On SBI Prime Credit Card, you can apply for 2 add-on credit cards.

5. Can you transfer your balance on SBI Prime Credit Card?

Yes. You can transfer your outstanding balance to your other bank from SBI Prime Credit Card on the EMI facility. You can pay back your monthly instalments in flexible tenures at a low interest rate after your amount is transferred.

Final Talk

The best option for people who do not have any other premium cards is to buy or have an SBI Prime Credit Card. Also, the people who have access to other premium cards should give a thought to have SBI Prime Credit Card. It offers access to lounge access, free membership of Vistara Club, and a rewards rate between 3.5% to 4% on annual spending.

So, why not opt for this SBI Prime Credit Card rather than another!

source https://invested.in/sbi-prime-credit-card/

source https://investedindia.wordpress.com/2021/09/22/sbi-prime-credit-card-review/

0 notes

akankshasmishra · 3 years

Text

RBL Bank Icon credit card and its review

At a minimum fee, can you get everything you need at a time? Yes, you can! It seems like RBL bank has made way for you – the new icon credit card is introduced with more features and benefits at a minimal charge. From Lounge access to golf lessons and to Gold privileges and much more premium features you can enjoy. Not only that, you can enjoy more rewards and cashback. So why late? Scroll down to know more about “RBL bank icon credit card and its review”. Probably, you can set up your mind to apply for this card!

Key Features And Highlights

At the first look at its’ features and benefits, you may be impressed because it comes with more than one premium feature.

Let’s check it out

6 lounge visits to more than 850 lounges both in domestic and international lounges.

24 x 7 hours of concierge service and free guidelines and advice from home.

Good rewards and cashback at almost everything you buy or make a transaction.

Gold privileges is another salient feature.

Dining privileges at esteemed restaurants with hotel stays and complimentary meals.

Two free movie tickets in a month from BookMyShow.

Rewards

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Features And Benefits

Again, I am saying that it comes with so many features and one can easily be impressed by its features –

1. Rewards program: If you look into the previous point, you can find out that there are many options available to get rewards, and this card offers the best rewards when you have expensed a certain limit in a year.

2. Golf rounds and lessons: Using this credit card, you can enjoy 6 golf rounds every year at the selected golf centre and some discounts on green fees. Apart from this, you can also take free golf lessons from those golf centres.

3. Enjoy free movies: If you purchase one ticket from BookMyShow in a month, you will get another movie ticket worth Rs 200 at absolutely free. This offer is available 2 times a month.

4. Speciality in dining: At selected partnered restaurants, you will get a complimentary glass of wine, a cup of coffee or dessert and some other special privileges using this credit card.

5. Priority pass membership and lounge access: If you have the priority pass membership with you, then you will get 8 complimentary airport lounge visits and access to more than 850 lounges situated in different countries. (including India)

6. 24×7 hours concierge service: It becomes a common feature to almost every credit card. You can get free advice and suggestions regarding restaurant and hotel booking, international gift deliveries, table reservations and much more.

Fees

The great thing about this card is the lower charge than another premium card.

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Why this card is better than other credit cards?

Maybe other credit cards will beat this card in terms of other facilities, but it also has plus points. Let’s discuss it.

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Why Should One Opt For This Card?

Seriously, it becomes a confusing deal to common people. Because there is no similarity between the joining fee and the annual fee if a common people apply for this card by just seeing the joining fee, later he will be in trouble as the annual fee is 10 times higher!

So, it becomes impossible for common people to enjoy premium features at low fees. Yes, there is a way – you can enjoy those in the first year only and discontinue the service! But this is not the right procedure as he or she needs a credit card and changing cards like this is a problematic thing.

It is better for a middle-class family who wants to enjoy premium features with their family members and never experienced such a card before. They may apply for this card.

Cards Similar to this credit card

Credit cards that are offering features in same fees are also available; you can also check out those

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How To Apply for this card?

If you have decided to apply for this card, then you might think about the procedure. Well, the process is quite simple as described below:

Go to the official website www.rblbank.com.You will find some questions are asking for details. Fill very carefully.

On the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

Fill the forms very carefully. And also, read all the disclaimer terms and conditions before applying.

I am not describing all the points for applying for the card. It is a straightforward process. Fill in the form and enter the next form by clicking on the “next” button. Remember- forms will be rejected in case of any false information.

Eligibility Criteria And Documents Required

There are some criteria that you have to maintain –

You have to be an Indian.

Your age should be between 21 – 65 years old.

No information is available for income criteria.

A good credit score and credit history is needed.

Documents Required

A proof of identity and proof of address/residence are sufficient for applying for this card. You can choose anyone for each case from the below list:

AADHAR card, PAN card, Voter card slip, driving license – for identity proof.

Ration card, water bill, gas connection bill, the electric bill – for address proof.

Form 16 or last 2 months payslip – for income proof.

Frequently Asked Questions

Sometimes, we are confused with some small things that are not covered clearly in core discussion. So, here is the time for unleashing those!

1. What is the maximum reward points I can gain from this card?

For international items, you can earn a maximum of 20000 reward points.

2. Can I get one ticket every time I purchase a movie ticket?

Obviously not! There are 2 free tickets worth Rs 200 that you can get a maximum in a month if you purchase another ticket. This means that if you purchase tickets more than twice a month, you will not get anything free from 3rd time.

3. What is the credit limit of this card?

It depends on the income, credit history, pending payments, usage pattern and more factors

4. Can I get the welcome bonus immediately?

No. You have to swipe your credit card, and within 30 days, the bonus points will be credited.

Advantages/Disadvantages

See, every card has some plus points and some minus points. It is not the fact that every card should be the best in all fields. But we should see the ratio of the merits and demerits and decide to apply for any card.

Advantages

The joining fee is less – only Rs 500.

There is no charge applied for a duplicate card.

It comes with every feature that is offered by any premium card.

Disadvantages

The annual fee is high – Rs 5000 that cannot be predicted by common people by looking at the joining fees.

The fee for late payment is the same high whatever the amount it is.

But in some cases, the number of privileges like lounge access is compromised. Even a card with a lower annual fee offers more than this card.

Final Talk

Up to this long discussion, you have noticed all the prospects, how much you can gain from this card, is the fee suits you or not, can you afford the annual fee, the rewards are satisfactory to you or not and so many key reasons for applying for this card. I believe that everyone should check out the fees/rewards ratio and then decide whether you can go for this card or not.

source https://invested.in/rbl-bank-icon-credit-card/

source https://investedindia.wordpress.com/2021/09/22/rbl-bank-icon-credit-card-and-its-review/

0 notes

akankshasmishra · 3 years

Text

Axis Bank Vistara Credit Card (Platinum)

A special credit card is specially made for all travellers who collaborated with Vistara Airlines, and Axis Bank that launched the Axis Bank Vistara Credit Card (Platinum). This credit card has all the good benefits that any traveller will need during travelling.

So, let’s know about it in detail and give a hand to all the travellers: –

Key Highlights

You can have 2 visits or a quarter through Visa Lounge Access Program.

The joining fee is Rs.1,500.

This credit card also offers travel insurance.

As a welcome gift, you can get an economy class air ticket.

Complimentary domestic lounge access.

Rewards

Benefits of Reward Points

As I already mentioned above, about earning 2 Clubs of Vistara Points at Rs.200, you spent every time.

By having transactions through Vistara’s website, you can earn CV points and complete the process by checking in through the mobile application.

How to Redeem Those Reward Points?

The Vistara flight website has a feature to redeem the club Vistara Points for Award Flights.

And when you want to redeem those points, you can log in to your account for the same. Under the points summary column, you can find the option of redeeming points. And when if you have to redeem flights, then you can search according to your choice. And after looking at all the details, you will be asked to insert the details and enter the payment details. So, it is straightforward to process.

What Makes This Credit Card Better from Other Credit Cards?

This credit card is definitely very different from other credit cards.

The kind of milestone it offers no other card offers such, like,

1,000 CV Points on spending Rs. 50,000

1 Economy Class ticket on spending Rs. 1.25 Lakh.

1 Economy Class ticket on spending Rs. 2.50 Lakh.

And if you are spending more than Rs.2.5 Lakh, then you get access to use 2 economy class tickets with that also 3,500 CV points

This credit card also differs from other credit cards because this is the card that is fully made for travellers.

Who Should Opt For This Credit Card?

You need to go through some questions before thinking of buying this Axis Bank Vistara Credit Card (Platinum). And there should be YES for all these questions. Then and then you can opt for Axis Bank Vistara Credit Card (Platinum).

You do not spend a lot on your annual fee.

You want to have a card with all the benefits related to travelling.

The most important one. You do not have a credit card with the maximum benefits of travelling, so you want to apply for one.

The applicant should be around the 18-70 years of age group.

The cardholder who is considered an add-on should be at least 18 years.

An individual should be either an Indian resident or a Non-Indian resident.

Features & Benefits

1. Welcome Gift – For the Club Vistara Membership Program, you can get an economy class ticket and enrolment of Vistara.

2. Reward Points – You can buy 2 clubs of Vistara Points at Rs.200 you spent every time.

3. Milestone Achievement Benefits – You can get 3 Economy Class Tickets on bonus reward points on your credit card: –

1,000 CV Points on spending Rs. 50,000

1 Economy Class ticket on spending Rs. 1.25 Lakh.

1 Economy Class ticket on spending Rs. 2.50 Lakh.

And if you are spending more than Rs.2.5 Lakh, you get access to use 2 economy class tickets with 3,500 CV points.

And whenever you want to use these above benefits, you need to pay an extra R.1,000 to redeem the feature. If you feel like using your CV points, use one additional piece of advice for upgrading only.

4. Lounge Access – You can have 2 visits or a quarter through Visa Lounge Access Program. This card also gives an offer to explore curated experiences from all around the world.

5. Dining Discount – Through this card, you can get 15% off at any partnered restaurant from all around the nation.

6. Special Feature – This credit card gives a high Air Accident Cover of Rs.2.5 crore and Purchase Protection Cover of up to Rs. 1 Lakh.

7. Convert Purchases to EMI–Any transaction worth more than Rs.2,500 than you can convert into EMI.

8. Up to 2 economy class tickets and bonus points:

By looking at your expenditure for the whole year, you get to earn the bonus CV points, and with that, you can also earn 2 economy class tickets.

You can earn 1,000 CV points by spending Rs.50,000 in the first 90 days from the day the card was issued. You can also earn 1 economy ticket if you have your Rs.1,25,000, and if you have your expenditure of Rs.2,50,000, you can earn more than 1 economy ticket.

Fees & Charges

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#footable_8328 tbody tr:hover { background-color: !important; color: !important; } #footable_8328 tbody tr:hover td { border-color: !important; } #footable_8328 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8328 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8328 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8328 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8328 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8328 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8328:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Foreign Currency Transaction Fee

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#footable_8329 tbody tr:hover { background-color: !important; color: !important; } #footable_8329 tbody tr:hover td { border-color: !important; } #footable_8329 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8329 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8329 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8329 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8329 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8329 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8329:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Ratings–This credit card has been given 3.5 ratings out of 5.

Reward Rate – This card is given up to 1.6% as the tickets on complimentary.

Fuel Surcharge Waiver – For this credit card, you do not get any surcharge waiver on fuel.

Foreign Exchange Mark-up Fee – Service Tax and with that 3.5%.

Renewal Fee Waiver – For this credit card, you do not get any surcharge waiver on fuel.

Eligibility & Documents Required

Eligibility

The below-listed details are the criteria that the bank sets for this Axis Bank Vistara Credit Card(Platinum). And if anyone wants to buy this card, then he/she has to meet these criteria, which the bank sets. Also, the bank may require documents other than these. And to approve or decline the application is totally under the bank’s control.

#footable_8331, #footable_8331 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8331 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8331:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8331 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8331 tr.footable-header, #footable_8331 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8331 tbody tr:hover { background-color: !important; color: !important; } #footable_8331 tbody tr:hover td { border-color: !important; } #footable_8331 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8331 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8331 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8331 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8331 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8331 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8331:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Documents Required

The cardholder is required to submit some important documents which are necessary to submit. They are KYC Documents, which include Proof of Income, Identity, and Address.

The rough list of the documents is mentioned below:

#footable_8332, #footable_8332 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8332 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8332:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8332 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8332 tr.footable-header, #footable_8332 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8332 tbody tr:hover { background-color: !important; color: !important; } #footable_8332 tbody tr:hover td { border-color: !important; } #footable_8332 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8332 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8332 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8332 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8332 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8332 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8332:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

How To Apply For The Card?

You can apply for this Axis Bank Vistara Credit Card (Platinum) by following the below steps: –

Go to the Axis Bank website and select Axis Bank Vistara Credit Card(Platinum).

Then you will be asked for some information related to the cardholder.

After filling out these basic details, you will be asked for information related to your income.

Then you will be asked to check your eligibility for the card and answer all the questions you get, like, “Have You Applied for Axis Bank Credit Card in Last 6 Months?”

And then, if you pass through this eligibility, the bank checks your eligibility in detail and will get back to you in 20 days.

You will also be asked for your documentation to be asked about the date and time for it.

Then Axis Bank takes 20-25 days, and if it gets approves, you can get your credit card in at your home. You can apply for this credit card through the Axis Bank website or going to one of the Axis Bank branches and apply it by filling the form on the desk.

FAQS

1. On this credit card, what is the interest-free credit period?

The Axis Bank Vistara Credit Card bill can be paid off by the users in 20 to 50 days.

2. To travel anywhere, can I use the free ticket if possible?

To travel from one city to another city you can definitely book a ticket. With that, the only base fare can be waived off. But the charges and taxes will be applied.

3. Do I have the authority to transfer my free ticket to the person I choose?

To any nominees which you had mentioned while registering your account, you can transfer to those people.

4. Will the free voucher for an air ticket can expire?

The free voucher for air tickets has eligibility for 6 months of duration.

5. Does Axis Bank Vistara Credit Card come with an EMV certified chip?

The credit card is made with the security of using the EMV chip.

Similar Card

#footable_8334, #footable_8334 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8334 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8334:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8334 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8334 tr.footable-header, #footable_8334 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8334 tbody tr:hover { background-color: !important; color: !important; } #footable_8334 tbody tr:hover td { border-color: !important; } #footable_8334 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8334 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8334 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8334 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8334 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8334 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8334:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Final Talk

From all the other cards, you can easily bifurcate this credit card. So, if you are a traveller, then this credit card is preferable and should have a place in your pocket all the time and use it when necessary. But his credit card should have given more points while anyone is spending on the Vistara brand; as they have collaborated, there should be some additional benefits.

source https://invested.in/axis-bank-vistara-credit-card-platinum/

source https://investedindia.wordpress.com/2021/09/22/axis-bank-vistara-credit-card-platinum/

0 notes

akankshasmishra · 3 years

Text

HDFC Millennia Credit Card And Its Review

Ever tried a mid-premium credit card? The features are almost premium, but the charges are not as premium. Here is the HDFC Millennia. Featuring the best rewards at the best charges, it is very suitable for common people. But not to compromise with the benefits – at Rs 1000 as the annual fee, you will get lounge access. So to know more, stick around to “HDFC Millennia credit card and its review”.

Key Highlights

You might be overwhelmed to see the rewards, benefits of such a mid-premium credit card.

Cash points and cashback on shopping, hotel and flight booking are attractive. Especially, the rewards are available even in paying membership fees.

No charges are applied in case of accidentally losing the credit card.

Easy EMI conversion and contactless payment are also available.

Priority pass and lounge access within India are also given.

You can enjoy 50 days grace period.

Rewards

The rewards are quite disappointing because, at a similar level, credit cards offer a bit better than HDFC millennia. Still, we have a mood to check out the rewards program.

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#footable_8315 tbody tr:hover { background-color: !important; color: !important; } #footable_8315 tbody tr:hover td { border-color: !important; } #footable_8315 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8315 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8315 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8315 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8315 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8315 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8315:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

From the above information, one thing is clear that you will get more benefits from an online platform. Another two important information are –

You will get maximum cashback per month capped at Rs 750.

The cashpoints are really worth it – each cash point is Rs 1.

The question that comes to mind is how to redeem the rewards, minimum requirements to redeem the rewards, etc. Let’s know deeply.

A minimum of 2500 cash points is required to redeem the cashpoint balance. Remember, whatever the amount is, you will receive money in multiples of Rs 500.

Cashpoints are really helpful – you can use them even in case of flight booking, hotel booking. But here, the cashpoints are less valued – 1 cash point stands for Rs 0.30 only.

Unfortunately, they will expire if you do not redeem the cash points within 1 year. So, be careful!

Who should opt for this card?

It should be clear that this credit card is not premium and provides special value for money. Common and middle – the class family will find this card really helpful. For people whose monthly expenditure is not too high but are regular purchasers, this smart earned credit card is for them. These people are looking for the best value for a money credit card to save some extra money from the expenditure itself. HDFC Millennia is introduced for these people. People who understand the expenditure/facilities ratio well are the main users of this card.

They use the card technically so that they can gain the maximum facility from it. They can use cash points, reward points, cashback- these types of rewards optimally. They know the offers and discounts well and the fields where they can be availed. Today do the homework very well before making any purchase. For whom the value of a single rupee is high, the card suits only them.

It is not the fact that who will use the card. The user should know their position, usage pattern and then opt for this card.

Fees

As the card is not a premium one, fees are not too much to bear.

#footable_8316, #footable_8316 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8316 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8316:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8316 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8316 tr.footable-header, #footable_8316 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8316 tbody tr:hover { background-color: !important; color: !important; } #footable_8316 tbody tr:hover td { border-color: !important; } #footable_8316 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8316 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8316 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8316 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8316 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8316 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8316:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Features And Benefits

As you expected, being a mid-premium credit card, the benefits are quite good as the premium one.

1. Rewards program: As you have noticed in point 1, the rewards are quite good. In every field, you have the opportunity to get the rewards – be it online or offline shopping, flight booking, hotel booking and anything you like!

2. Quick EMI conversion: Like any premium credit card, you can also convert the big purchase values into affordable monthly instalments. And the more interesting thing is that you will get cashback for doing so.

3. Lounge access: Another premium feature is priority pass and lounge access in selected airports. You will get 8 complimentary lounge access every year. You can check the official site for various lounge access programs.

4. The fuel charge is low: The fuel surcharge is very low – only 1% charge on refuelling a minimum of Rs 400.

5. Pay but no contact: If your transaction amount is up to Rs 5000, you don’t have to enter any credit PIN. Also, the HDFC Millennia credit card supports contactless payment with security enabled. You can check the symbol of the contactless network on your card.

6. You do not have to pay any charge in losing the credit card if you report to the bank within 24 hours.

Why is this credit card than others?

Of course, there is some reason behind this claim. Check it out:

#footable_8320, #footable_8320 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8320 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8320:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8320 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8320 tr.footable-header, #footable_8320 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8320 tbody tr:hover { background-color: !important; color: !important; } #footable_8320 tbody tr:hover td { border-color: !important; } #footable_8320 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8320 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8320 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8320 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8320 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8320 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8320:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Eligibility Criteria And Documents Required

Seriously, the simplicity of the eligibility criteria will attract many people.

You have to be an Indian.

Your age should range between 21 to 60 years.

If you are a salaried person, your monthly income should be a minimum of Rs 25000.

And for self-employed, the income should be Rs 6 lakh or more in a year.

Documents required: A proof of identity and proof of address/residence are sufficient for applying for this card. You can choose anyone for each case from the below list:

AADHAR card, PAN card, Voter card slip, driving license – for identity proof.

Ration card, water bill, gas connection bill, the electric bill – for address proof.

Cards Similar To This Card

There are similar credit cards available for competition. Let’s check them out.

#footable_8321, #footable_8321 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8321 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8321:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8321 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8321 tr.footable-header, #footable_8321 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8321 tbody tr:hover { background-color: !important; color: !important; } #footable_8321 tbody tr:hover td { border-color: !important; } #footable_8321 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8321 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8321 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8321 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8321 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8321 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8321:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

How To Apply For This Card?

I hope that, after reading up on this, you have decided to apply! But don’t know how? Let me know you.

Go to the official hdfcbank.com.You will find some questions are asking for details. Fill very carefully.

In the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

Fill the forms very carefully. And also, read all the disclaimer terms and conditions before applying.

Frequently Asked Questions

1. Can HDFC allow me to apply for this card since I already own one?

Ans: Fortunately, HDFC allows their customers to have more than one cards based on their performance. They will check your credit history, any pending transaction or not and much more.

2. What is the credit limit of HDFC Millenia credit card?

Every time this question comes to your mind, you should remember that not only for HDFC – any bank does not disclose it. The only reason behind this is that the bank will decide this by seeing your credit performance.

3. What is the grace period?

On the official site, it is clearly mentioned that the interest-free period or grace period is up to 50 days.

4. Can I waive the annual fee?

Yes, of course, you can! You can waive off the annual fee by expensing a total of Rs 1 lakh in a year.

Final Talk

Here, the time comes for the conclusion. After the long discussion of facilities and disadvantages, one question comes to our mind: “whether should I apply for the card or not?” See, nothing can be facilities or disadvantages to you if you are not that type of user. For example, you are happy with the traditional cash payment system. The usage of a credit card seems to be an extra burden for you. You are not a regular customer and have not faced any issues over the transaction till now. Then why should you use a credit card?

But if you are the other group members, then the question comes. Suppose you have to deal with a large number of customers or you like purchasing from online etc. Then there is a question of choosing the best credit card. Considering all the situations, this credit card really holds smart value for a mid-budget regular customer.

I hope you have cleared all the doubts by reading this article. Thank you and see you again later!

source https://invested.in/hdfc-millennia-credit-card/

source https://investedindia.wordpress.com/2021/09/22/hdfc-millennia-credit-card-and-its-review/

0 notes

akankshasmishra · 3 years

Text

Axis Bank Privilege Credit Card

This Axis Bank Privilege Credit Card has many benefits regarding travel and shopping of Rs.5,000. It also has 8 domestic airports lounge access which is given as complementary to the cardholder. Also, for shopping vouchers of Rs.5,000, you can convert them into eDGE points if you have done an expenditure of Rs.2.5 Lakhs.

Such kind of rewards are beneficial to the customers, and this card has a lot more benefits. So to look into it, let’s jump into the detailed review.

Key Highlights

#footable_7631, #footable_7631 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_7631 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_7631:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_7631 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_7631 tr.footable-header, #footable_7631 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_7631 tbody tr:hover { background-color: !important; color: !important; } #footable_7631 tbody tr:hover td { border-color: !important; } #footable_7631 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_7631 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_7631 tbody tr:nth-child(even):hover { background-color: !important; } #footable_7631 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_7631 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_7631 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_7631:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Rewards

At some airports, you can get access to the lounge.

You can receive rewards for having expenditures.

You can also convert your purchases to EMIs for easy payables.

You have many benefits or offers on dining, holidays, movie tickets, golf retreats, and many more.

You can also get offers and rewards on luxury hotels, apparel stores, dining outlets, departmental stores, and many more.

On online trading, you can redeem a huge number of awards and also at shopping outlets.

The card provides benefits and gets you many reward points when you buy something in pre-specified categories. You can also receive some discount coupons and gift vouchers for the replacement of the reward points. Sometimes you can get cash back credit cards, so when you are spending your cash, you can receive reward points which you can convert into vouchers that can be used whenever or wherever you want to use.

Who Should Opt For This Credit Card?

This card makes it the best choice if you want to have a credit card with a meagre annual fee and some good travel offers. On every Rs.200 of expenditure Axis Bank Privilege Credit Card gives you 10 points, making it 1% of the reward rate. That could get double when the cardholder gets to Rs.2.5 lakhs by converting your EDGE reward points into vouchers for travel or shopping. And so, when looking at the benefits of travel vouchers and points, that makes the 3% of reward rate. This reward rate is only given by the premium cards, which also have some high annual fee. With such a low annual fee, this card has many more than enough benefits for the cardholder.

If you have monthly spent of Rs.20,000 or more on an average, and with that, if you are likely into the credit card on a day-to-day basis, then this card is perfect for use. But if your yearly expenditures are not more than Rs.2.5 Lakhs and you are not too much into travelling, you should definitely consider getting another card with comprehensive features on many categories like YES Bank Prosperity Rewards, HDFC Regalia, and HSBC Platinum Card.

Features & Benefits

i. Edge Reward Points

On every Rs.200 expenditure on international or national currency, you can get 10 points.

ii. Milestone Benefits

You can easily convert your EDGE reward points into Travel or Shopping vouchers if you spent Rs.2.50 Lakhs in one year.

iii. Annual Benefits

In one year, you can spend Rs.2.5 Lakhs or more as the annual fee waiver.

You can get a chance to earn 3,000 EDGE reward points on the renewal fee during the payment.

iv. Complimentary Lounge Access

On every calendar quarter, you can get 2 domestic lounges on a complimentary basis.

v. Activation Benefits

After the card issue, you need to have 3 transactions in 60 days (2 months) and complete the full payment of the joining fee to receive your rewarded points.

On replacing travel or shopping vouchers of Rs.5,000, you can redeem 12,500 EDGE reward points.

vi. Renewal Benefit

You can get 3,000 Axis eDGE reward points on the renewal of the card.

vii. EMI Facility

With this card, you get an option to convert all your transaction into Equated Monthly Income (EMI) which are more than Rs.2,500.

viii. Card Security

This Axis Bank Privilege Credit Card is designed in such a way that it can protect your card from Fraudulent behaviour as it has an EMV feature.

ix. Fuel Surcharge Waiver

You can have a fuel surcharge on all the fuel transactions, which are between Rs.400 to Rs.4,000.

x. Extraordinary Weekends

This card gives you many benefits to having fun during the weekends to make your weekend full with premium privileges.

xi. Comprehensive Insurance

The card has an air accident cover of up to Rs.2.5 crore with the purchase protection of Rs.1 Lakh and Rs. 3 Lakhs of lost card liability.

xii. Lifestyle Benefits

The restaurants with the “Dining Delights” scheme have up to 20% discount on some selected restaurants.

It gives 2 domestic airport lounges access on a complimentary basis.

Of Rs.2.5 crore, you can get comprehensive insurance.

The bank provides the benefits of “Extraordinary Weekends”.

xiii. Other Benefits

Air accident insurance of up to Rs.2.5 crore.

Axis Bank gives access to pre-planned experiences for the “Extraordinary Weekends”.

It provides a Credit Shield of Rs. 1 Lakh.

It gives the purchase protection insurance of up to Rs. 1 Lakh.

It also gives 20% off on all the 4,000 and above partnered restaurants.

All the transactions which are more than Rs.2,500 can get converted into EMIs.

Privilege Credit Card Value Chart* on Annual Spends of Rs.2,75,000

#footable_8304, #footable_8304 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8304 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8304:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8304 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8304 tr.footable-header, #footable_8304 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8304 tbody tr:hover { background-color: !important; color: !important; } #footable_8304 tbody tr:hover td { border-color: !important; } #footable_8304 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8304 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8304 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8304 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8304 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8304 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8304:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Fees & Charges

According to the terms and conditions, this card Axis Bank Privilege Credit Card has a fee on cash payment, fees, overdue penalty, and many more. This card also gives the facility of the services like all the mobile alerts.

Let’s figure out the fee structure in detail below:

#footable_8305, #footable_8305 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8305 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8305:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8305 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8305 tr.footable-header, #footable_8305 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8305 tbody tr:hover { background-color: !important; color: !important; } #footable_8305 tbody tr:hover td { border-color: !important; } #footable_8305 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8305 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8305 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8305 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8305 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8305 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8305:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

On every fee and charge on the above table, GST is applicable, according to the government of India has decided. But it may change as per the rules and regulations by the Government of India.

Eligibility & Documents Required

The below-listed details are the criteria that the bank sets for this Axis Bank Privilege Credit Card. And if anyone wants to buy this card, then he/she has to meet these criteria, which the bank sets. Also, the bank may require documents other than these. And to approve or decline the application is totally under the bank’s control.

#footable_8307, #footable_8307 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8307 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8307:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8307 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8307 tr.footable-header, #footable_8307 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8307 tbody tr:hover { background-color: !important; color: !important; } #footable_8307 tbody tr:hover td { border-color: !important; } #footable_8307 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8307 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8307 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8307 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8307 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8307 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8307:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Documents Required

The cardholder is required to submit some important documents which are necessary to submit. They are KYC Documents, which include Proof of Address, Identity, and Income.

The rough list of the documents is mentioned below:

#footable_8309, #footable_8309 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8309 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8309:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8309 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8309 tr.footable-header, #footable_8309 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8309 tbody tr:hover { background-color: !important; color: !important; } #footable_8309 tbody tr:hover td { border-color: !important; } #footable_8309 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8309 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8309 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8309 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8309 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8309 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8309:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

How To Apply For The Card?

To apply for this Axis Bank Privilege Credit Card, you can apply for this card through the official Axis Bank website or by going to the desk of the Axis Bank.

FAQS

1. The Axis eDGE Reward Points can be redeemed? If yes, then how?

If you want to redeem the Axis eDGE Reward Points, you can redeem them by logging into the Axis Bank credit card page on the net banking portal. And then, you can redeem your rewards through the process it is mentioned on the page.

2. Under the Dining Delights program, how can I access those dining benefits?

From all over the nation, you can access 4,000 and above restaurants.

3. The fuel surcharge waiver can be accessed from where?

The waiver is capped at Rs.400 in one month, which is the maximum waiver. You can access the waive of the fuel surcharge at any fuel station.

4. Can I get the cashback offer with this credit card?

Axis Bank Privilege credit card does not offer any cashback benefits.

5. On the Axis Bank Privilege credit card, how can I know the available balance?

By sending the SMS to 5676782 and you can ask about your available balance. To send the SMS, you need to fill out the information like this – < XXXX >< AVAILABLE>. In the XXXX, you need to fill out your last 4 digits of your credit card number.

Cards Similar To This Credit Card

#footable_8311, #footable_8311 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8311 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8311:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8311 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8311 tr.footable-header, #footable_8311 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8311 tbody tr:hover { background-color: !important; color: !important; } #footable_8311 tbody tr:hover td { border-color: !important; } #footable_8311 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8311 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8311 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8311 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8311 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8311 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8311:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Final Talk

People who do not want to pay or invest a lot of money in credit cards by paying huge amounts of annual or joining fees can probably opt for this credit card. This Axis Bank Privilege Credit Card gives a lot of benefits for day-to-day purchases. So, the people who use credit cards daily can make the best decision. For those not investing but who want to have privileges, this card will also be the best choice.

source https://invested.in/axis-bank-privilege-credit-card/

source https://investedindia.wordpress.com/2021/09/21/axis-bank-privilege-credit-card/

0 notes

akankshasmishra · 3 years

Text

MakeMyTrip ICICI bank signature credit card

Make my trip – there is some smell of tour or trip in the name itself! How does it feel when you get some cash back or more rewards while booking flights or hotels? Did you forget to recharge your mobile number? And how it feels when the recharge is done automatically! Cool right? The ICICI bank has made a collaboration with MakeMyTrip to make your travel experience to the next level. Starting from luxurious dining and up to international expenses, everything is accompanied by good rewards. OLA rides are sometimes free, just like your mobile recharge and much more benefits.

But there are also another group of people who are looking for different rewards. Should they apply for this card? Will they be benefited from this card? To know all these types of questions – let’s dig into the topic “MakeMyTrip ICICI bank signature credit card and its review”.

Key-Highlights

There is something special in the whole rewards and benefits program that they provide –

Attractive rewards rate on every purchase and some other activities like flight booking, hotel booking and much more

1 railway and 1 international free lounge visit and 2 more available by spending Rs 5000.

Airtel roaming recharge of the amount up to Rs 3999 will be done on your registered airtel number.

Up to Rs 150 discount can be availed on purchasing movie tickets every month.

A low fuel charge is applied in case of refuelling from the HPCL petrol station.

High-level security is also a key factor.

Free OLA rides on every 5 paid rides.

A 15% discount can be availed in the dining bills amount.

Rewards

Attractive rewards are awarded in every step you make!

#footable_8284, #footable_8284 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8284 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8284:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8284 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8284 tr.footable-header, #footable_8284 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8284 tbody tr:hover { background-color: !important; color: !important; } #footable_8284 tbody tr:hover td { border-color: !important; } #footable_8284 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8284 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8284 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8284 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8284 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8284 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8284:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

There will be some more talks we need to discuss the reward points. Every time we have used the term ‘my cash’ – it is a MakeMyTrip reward point whose value is Rs 1 per my cash point. And these my cashpoints are valid only for 1 year – so collect them as soon as possible!

These cash points can be used in any place like e-commerce platforms, restaurants etc.

The reward points are transferred to MyWallet. So, you have to apply to redeem rewards from the MakeMyTrip website manually.

Features And Benefits

1. Rewards program

From the previous point, you can notice so many opportunities for earning rewards. But you cannot earn any cashback or discount in your daily activities. However, this card is good for travel lovers, especially ‘luxury’ travel lovers. Moreover, you will get my cash points if a certain amount is expensed during a whole year.

You get a complimentary Dream Folks membership card. The USD 99 membership fee for the Dream Folks card is waived off.

2. Dreamfolks membership

You will get one complimentary International Airport lounge access in a year. This is only available for airports outside India, and it is valid only once every calendar year.

You will get complimentary spa access across selected airports in India. This is valid once every calendar year.

You will get exclusive offers in shopping and restaurants in different airports. You can check these offers in the Dreamfolksapplication.

3. MMTBLACK membership

You will get a complimentary MMTBLACK membership as a joining benefit.

This is a spend-based loyalty program offered by this credit card. You earn My Cash for reaching various milestone levels.

The minimum spends required to start earning from this program is Rs. 20,000.

You can earn up to Rs. 25,000 My Cash.

You will get access to the MakeMyTrip On-Trip travel hotline. Within this program, a customer service member will pick up your call within 30 seconds.

If you reach Milestone level 6, you get a special premium customer service. It is dedicated 24×7 to customer service for pre and post-sales inquiries.

You can get offers on flights, hotels, and holiday bookings.

4. MMT DOUBLEBLACK membership

You will get complimentary membership to the program. This is valid for one year from the date of enrollment.

You can get a 100% refund on cancellation on a domestic hotel booking. It is valid for 1 room only, and you will get a refund for the first 2 bookings cancelled during the membership period.

You can get a 100% refund on the cancellation of domestic flight bookings. It is valid for the first two flight booking cancellations during the offer period, and it is valid for the cardholder and one co-traveller. This also includes non-refundable flights.

5. DragonPass Membership

A credit card is not completed if it does not provide some facilities in the daily routine. That’s why you can get some benefits via DragonPass membership which cannot be earned directly. Here is the list of those things which you can do with this membership –

You can enjoy 2 free airport spa visits every year.

Some offers and extra benefits can be availed in selected premium restaurants.

The membership holder can visit and relax at 450+ luxurious airports located in 115 nations and get a spa yourself at selected airports.

6. Discount On Movies

From BookMyShow and INOX, you will get up to a maximum 25% discount of Rs 150, if you purchase at least 2 movie tickets. You will get 2 chances to avail this offer.

7. Free OLA rides

Being an ICICI MakeMyTrip Signature cardholder, you can enjoy one free OLA rides on every 5 paid OLA rides. But remember, this offer is based on the MakeMyTrip platform and is only available in the OLA application.

8. Luxurious Dining Experience

At selected partner restaurants, you can avail a 15% discount on dining bill amounts and an immersive experience there. This card is accepted in more than 2500 hotels located in 12 cities in India.

9. Top-notch Security

The bank has looked into the security matter also. That’s why –

You do not have to be worried about unauthorized transactions because the card comes with a built-in microchip.

You need not provide a PIN for online transactions, but you have to enter a PIN at any other transaction, making it more secure and safe.

For online transactions, there is a program called ‘3D secure’ – for online transactions, you may apply for that.

10. Minimum Fuel Charge

By using this card, only 1 % of the refuelling cost is charged from you until your total refuelling cost is less than Rs 4000. But you have to refuel from HPCL pumps because they have the ICICI Merchant services swipe machine.

11. Recharge is free

If you have Airtel mobile number registered with the bank account, then it may be an excellent advantage for you! Because ICICI bank offers up to Rs 3999 recharge of 10 days international roaming pack on your mobile number. But you have to book an international flight/hotel from MakeMyTrip only.

Fees And Charges

As expected, its fees are not too much – just like any mid-premium card.

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Who should opt for this card?

By seeing the rewards and features, it is clear that travel lovers will appreciate this card because everything is related to travel and ride. It is a big question whether common people can apply for this card? How much will they be satisfied by applying for this card?

According to my knowledge, most common people are not too frequent travellers. So, it becomes meaningless to them to apply for this card because other cards are available that do a great job at the same fees.

But who frequently travel, visits lounges, and goes for dining and hotel, the card is like a best friend! By just paying the DragonPass membership fee and the joining fee, they can enjoy what they want. So, if you are that type of person – you should go for this card!

Why this credit card is better than other cards?

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Eligibility Criteria And Documents Required

You have to be above 18 years old.

For a self-employed person, your income should be Rs 6,00,000, and for a salaried, it is Rs 4,20,000.

If you are self–employed, you have to make sure that your company has been trading for more than 12 months.

You should have a good credit history and no pending payments till the time you have applied.

You should be an Indian.

Documents Required

Here are the list of the following documents

Identity proof– you can choose any of the following- PAN card, AADHAR card, Voter Id slip as proof.

Address/residence proof– An address proof is also required. You can choose any of the following-ration card bills of the telephone exchange, gas connection bill, electric bill, or anything.

Income proof – Another important document is income proof, and you can show the Latest pay slip of three months, Form 16, or anything as income proof.

Cards Similar To This Card

Some competitors in the market are also good in features and offers.

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How To Apply For This Card?

Go to the official website www.icicibank.com. You will find some questions which are mandatory as they collect some of your details. Fill very carefully.

In the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

Fill the forms very carefully. And also, read all the disclaimer terms and conditions before applying.

I am not describing all the points for applying for the card. It is a pretty simple process. Fill in the form and enter the next step by clicking on a button that may appear at the bottom of the page. Remember- forms will be rejected in case of any false information.

Frequently Asked Questions

There may be some doubts – let’s clear those

1. How can I get enrolled in the MMTDOUBLEBLCK program?

For enrolling yourself in this program, you do not have to do anything separately. Once you have paid the joining fees within 45 workdays, you will get a notification via e-mail or SMS, and there you will get the link for registering in that program.

2. Can add-on card members will have access to airport lounges?

It depends on the DragonPass membership. If enough visit top-up is available on your membership card, then it is ok. Otherwise, you have to pay something.

3. Is there any validity associated with reward points?

The reward points are valid only for 1 year. So, collect them before it gets too late.

4. How much income criteria are required?

Generally, it is decided at the time of applying for this card – but you can roughly take an amount of minimum of Rs 4 lakhs.

Advantages And Disadvantages

There are some pros and cons associated with it.

Advantages

People who are frequent travellers, will get a solid benefit.

Who can spend much on travel or luxury are also benefited.

Disadvantages

Regular customers have only one option for getting the rewards which may not be justified to them compared to the fees rate.

Who wants a specific reward like airmiles, nothing is awarded to them.

Final Talk

While you are looking after the merits and demerits, you can clearly understand how much it will be benefited for you. You have to identify which type of user you are, whether your lifestyle matches with the rewards or features of this card or not, and so many things. Based on these aspects, you have to decide whether you can afford the fees or not and the last is whether the card suits you or not.

I think you have gone through the article and saw the merits and demerits. Are you interested in more cards? Read more in the next article!

source https://invested.in/makemytrip-icici-bank-signature-credit-card/

source https://investedindia.wordpress.com/2021/09/21/makemytrip-icici-bank-signature-credit-card/

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akankshasmishra · 3 years

Text

YES bank premia credit card

Fees are not much; features are plenty – how many cards you have seen? I think the number is relatively low. Because in most of the cards, you will see that the rewards and fees are proportional to each other. But here, you can see the exception. At reasonable fees, you can enjoy a vast collection of rewards. Feeling curious? Let’s jump to the topic “Yes bank premia credit card and its review in 2021”!

Key-Highlights

Attractive rewards rates – 4 reward points on every expense at dining, grocery items and 3 reward points on expense at retail.

Get 25% discount on booking movie tickets from BookMyShow.

Up to 2.5 lakhs of coverage amount can be earned.

4 times free golf courses and 1 golf lesson every year.

8 lounge access every year.

Rewards

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How you can redeem those rewards?

You can redeem the rewards and convert them into flight distances or intermiles, and the conversion rate is 4 reward points stand for 1 InterMile!

To redeem all the rewards, you have to visit YESRewardz official website. Most probably, you cannot get cashback from the reward points. But you can use the reward points as vouchers for top brands, booking hotels and flights. There you can see the whole list of the products which you can buy with the reward points.

Features And Benefits

1. Rewards program: You probably have noticed the reward section and found that the reward rates are quite good, and just anyone will be attracted to the rewards.

2. Airports and lounge accesses: Under the Mastercard lounge program, you can have 8 airport lounge access across India’s 30+ lounges.

3. Priority pass and membership: You will get 2 complimentary visits outside India using the priority pass and membership – but note that this offer applies to primary cardholders only.

4. Enjoy movie tickets: If you book movie tickets from BookMyShow, you can avail a 25% discount on movie tickets.

5. Golf programs: Under the Mastercard golf program, you can enjoy golf courses from premium golf centre for 4 times at absolutely free. Apart from this, you will get 1 golf lesson every month.

6. Waiving off fuel charge: If your total fueling cost is between Rs 400 to Rs 5000, you will get a 1% fuel surcharge waived at any fuel station in India. (Note that, here, you are not restricted to BPCL pumps!)

7. Zero liability and credit shield: If you have lost the card, or it has been theft, and any fraud activities have occurred, you will get a certain amount. But you have to report to the bank immediately after that happens.

8. 24 X 7 hours of concierge service: This is common to all the cards – you will get free advice regarding hotel booking, table reservations, items delivering and much more for any time in a day.

9. Good coverage amount: Your family members will get an insurance coverage amount up to Rs 2.5 lakhs in case of the primary cardholder’s death.

10. Protection Plan: The card protection plan will safeguard your credit card from loss, theft of card and any fraudulent activities.

11. Contactless Facility: A contactless facility will make your payment more convenient, and a password-protected feature will make your transaction more secure.

12. Other services: You will enjoy some standard features like conversion EMI, loan on-call – associated with it.

13. Convert purchases into EMI: Transaction amount greater than Rs 2500 can be easily converted to affordable EMIs. Here you are not restricted by the rules and regulations.

You don’t have to submit any documentation for doing this.

There is no charge applied for this.

The period for repayment of the EMI ranges between 3 – 24 months.

But the interest rate is a bit higher– 12% to 15%.

Fees And Charges

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Who should opt for this card?

People who want some premium features at lower fees should apply for this card. The card is for the middle-class family, but fancy persons can also check out once this card. People –

Who like many features in a single card.

Visit lounge and airports frequently.

Expenses much on dining and restaurants.

Are the perfect use of this card. Because this card is not only filled with features – they have emphasised security also.

Eligibility Criteria And Documents Required

You have to be between 21 – 65 years old.

You have to be Indian.

If you are a salaried employee – your income should be Rs 80000 per month, and if you are self-employed, the income should be Rs 8 lakhs per annum.

Documents Required

Here are the list of the following documents ->

Identity proof– you can choose any of the following- PAN card, AADHAR card, Voter Id slip as proof.

Address/residence proof– An address proof is also required. You can choose any of the following-ration card bills of the telephone exchange, gas connection bill, electric bill, or anything.

Income proof – Another important document is income proof, and you can show the Latest pay slip of three months, Form 16, or anything as income proof.

How To Apply for this card?

Go to the official website of yes bank. You will find some questions are asking for details. Fill very carefully.

In the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

Fill the forms very carefully. And also, read all the disclaimer terms and conditions before applying.

Not everything about the application process is required for elaboration because you have to fill it according to your condition and details. Fill in the form and enter the next step by clicking on a button that may appear at the bottom of the page. Be very careful while giving information – because the application process will be rejected if you provide false information.

Frequently Asked Questions

1. Anyone between 18 to 60 years can apply for this card?

Unfortunately, not. People have to maintain the income criteria that I have discussed previously.

2. Are Flight distances like airmile offered?

You will not get it directly. But yes, you can convert the reward points into InterMiles and then enjoy flights! 4 reward points stand for 1 InterMile.

3. How to gain the golf benefits?

Ans: You will get an invitation via SMS or email you have provided.

4. What is the credit limit of this card?

The bank has not disclosed it yet. But it can be decided at the time of applying.

Advantages/disadvantages of using this card

Pros

People love to travel, and when you go for dining, you will be benefited.

Golf lovers may be happy with the card.

Cons

But an average regular customer who wants some discount, will not be satisfied.

How can you pay the fees at YES bank?

The popular way is to use an official mobile application available at the play store.

You can also pay the fees from another bank by using NEFT.

For doing this, as usual, you have to enter the IFSC code YESB0CMSNOC.

And, of course, the traditional cash or cheque payment system is available.

Final Talk

After reading the whole article, you can understand what I meant to say. Neither you can neglect the disadvantages, nor you can deny by seeing the advantages only. What you can do is – you can tally the rewards/fees ratio and then make a decision.

I have tried to make you understand everything in a single article, hope you like it – see you later!

source https://invested.in/yes-bank-premia-credit-card/

source https://investedindia.wordpress.com/2021/09/20/yes-bank-premia-credit-card/

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akankshasmishra · 3 years

Text

Standard chartered ultimate credit card

Standard chartered ultimate credit card is another popular card from Standard chartered bank which can compete with other mid-premium cards. Starting from rewards to concierge service, this card doesn’t lag behind in any feature. Yes, some absurd criteria and rules are there still, it is a good choice for those who love the ‘expense and enjoy’ policy. Why should you apply, how much you will be benefited – everything we will discuss in this topic: “standard chartered ultimate credit card and its review in 2021”- so stay tuned!

Key-Highlights

A small but good amount of rewards program.

8 lounge access is provided.

You can avail up to 5% cashback on duty-free spending.

In case of an accident or any other unexpected case, you will get a good coverage amount.

24 x 7 hours of concierge service.

Rewards

The reward program is too short to elaborate on still, it is quite good.

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Each reward point stands for Rs 1.

Features And Benefits

1. Rewards program: The reward program is simple and straightforward. Rewards include reward points and cashback – which will save a good amount of money.

2. Travel more! By using this credit card, you will get 5% cashback on duty-free expenses.

3. Airports and lounge accesses: You will be given priority pass membership, and you can access up to 1000+ airport lounges. And the fee is $27 per visit, which can be waived off if your expenditure exceeds Rs 20000 in the previous month.

4. Good coverage amount: You will get a good amount of coverage in air and travel accident coverage.

Up to $200K can be claimed due to air and travel accident.

$25K can be claimed as medical insurance.

Up to $750 can be claimed due to loss of baggage or personal valuable items.

You will get a coverage of $10 every 8 hours, and the maximum can be $100.

In case of delay in baggage on international flights, the rate will be $10 every 10 hours, and the maximum is $200.

5. Enjoy golf rounds: With this card, you can enjoy 1 golf game and 1 golf coaching round at 20 premium golf course coaching centers in India and 150 worldwide.

6. Dining privileges and offers: You will be provided Dineout plus membership by which you can avail a discount of a 25% at more than 250 restaurants in India. But you have to book the restaurant early.

7. 24 x 7 hours of concierge service: From your home, you can get guidance and advice regarding

Dining assistance

Golf booking

Table reservation

Flight booking

International gift deliveries

And much more by calling the concierge helpline.

Fees And Charges

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Who should opt for this card?

By seeing the fee structure, one can easily understand that the card is a premium one. Generally, common people should not go for this card because of its high charges. They always look after some cashback and discounts on their daily items. So, discounts on dining and flight booking – these will not be preferred by them. Because they do not visit hotels frequently and travel on air very often.

But the fancy users can apply for this card because it can fulfill almost everything they expect from a premium card.

Why is this card better than other cards?

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#footable_8262 tbody tr:hover { background-color: !important; color: !important; } #footable_8262 tbody tr:hover td { border-color: !important; } #footable_8262 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8262 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8262 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8262 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8262 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8262 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8262:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Eligibility Criteria And Documents Required

You have to be between 21 – 65 years old.

You have to be Indian.

If you are self-employed, your minimum income should be Rs 24 lakhs per annum – the same is applicable if you are a salaried person.

Documents Required

Here are the list of the following documents –

Identity proof– you can choose any of the following- PAN card, AADHAR card, Voter Id slip as proof.

Address/residence proof– An address proof is also required. You can choose any of the following-ration card bills of the telephone exchange, gas connection bill, electric bill, or anything

Income proof – Another important document is income proof, and you can show the Latest pay slip of three months, Form 16, or anything as income proof.

Cards Similar To This Card

#footable_8263, #footable_8263 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8263 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8263:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8263 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8263 tr.footable-header, #footable_8263 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8263 tbody tr:hover { background-color: !important; color: !important; } #footable_8263 tbody tr:hover td { border-color: !important; } #footable_8263 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8263 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8263 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8263 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8263 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8263 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8263:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

How to apply for this card?

Go to the official website www.sc.in. You will find some questions are asking for details. Fill very carefully.

On the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

Fill the forms very carefully. And also, read all the disclaimer terms and conditions before applying.

Not everything about the application process is required for elaboration because you have to fill it up according to your condition and details. Fill in the form and enter the next step by clicking on a button that may appear at the bottom of the page. Be very careful while giving information – because the application process will be rejected if you provide false information.

Frequently Asked Questions

1. What type of security is associated with it?

There is a feature called “3D secure”, which works with OTP verification. Every time you make the transaction, you have to verify the OTP.

2. How much will I be charged while travelling overseas?

You will be charged at the rate of 3.5%.

3. How to gain the golf benefits?

You may apply for the Ultimate virtual card, where you will get all the golf benefits, dining privileges and much more.

Advantages/Disadvantages

Advantages

You can avail up to 3.33% cashback in different categories, and it may increase depending on the situation and maintaining certain conditions.

On-duty free expenses can give you 5% cashback.

Sometimes, fees for lounge visits will be waived off if your previous expenditure exceeds Rs 20k.

Disadvantages

Limited time to redeem rewards – You cannot collect your rewards when you want. Suppose you are in a hotel, and suddenly you remember that you should use the rewards – but you may not find the options of redeeming the rewards at that point in time. So, the purpose of earning rewards goes in vain. You have to check whenever you make any transaction or search at a random time.

Bad criteria of lounge access.

Final Talk

I have tried to make you understand everything in a single article, hope you like it – see you later!

source https://invested.in/standard-chartered-ultimate-credit-card/

source https://investedindia.wordpress.com/2021/09/20/standard-chartered-ultimate-credit-card/

0 notes

akankshasmishra · 3 years

Text

SBI BPCL credit card

Have a car? Then you are must thinking about the fuel expenses! SBI BPCL credit card gives you 70 litres of free fuel in a year. Apart from this, on any other expenses, you will get exciting rewards and offers. The fees are also lower as compared to similar cards – so it may be a good choice for you. So, why late? Let’s dig into the topic “SBI BPCL credit card and its review in 2021”.

Key-Highlights

Rewards are divided into fuel and non-fuel categories – you will get good rewards whatever the user you are.

Compared to other fuel cards, you will get better rewards and facilities.

Rs 2500 or more amount of purchases can be converted into Easy EMI policy.

Just carry your card anywhere – the card is accepted internationally.

Pay any utility bill using this card.

Rewards

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#footable_8244 tbody tr:hover { background-color: !important; color: !important; } #footable_8244 tbody tr:hover td { border-color: !important; } #footable_8244 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8244 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8244 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8244 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8244 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8244 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8244:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

There are few more talks left with the rewards –

You can earn a maximum of 1300 rewards points in a single billing cycle.

Whatever you are saving from fuel surcharge – you can save a maximum of Rs 1200, and the surcharge is applicable if you have a bill of Rs 4000.

Each reward point stands for Rs 0.25.

And there is no condition like the minimum threshold for redeeming reward points.

Let us see how much amount you can save if you use this credit card –

#footable_8245, #footable_8245 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8245 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8245:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8245 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8245 tr.footable-header, #footable_8245 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8245 tbody tr:hover { background-color: !important; color: !important; } #footable_8245 tbody tr:hover td { border-color: !important; } #footable_8245 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8245 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8245 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8245 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8245 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8245 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8245:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

So, the annual expense is Rs 2,84000, and the annual savings are Rs 4432, which is approximately 70 litres of petrol.

Features And Benefits

1. Rewards program: Whether you expense at fuel or not, everywhere, you will get good rewards. In the case of fuel, you will get 13X rewards, and in other cases, you will get 5X rewards.

2. Easy EMI conversion: With Flexipay, you can convert any big purchase into an affordable, small amount that you can pay monthly. Amount of Rs 2500 or more than that can be converted to EMI.

3. Go contactless: Like other modern credit cards, this card also supports a contactless facility.

4. Pay bill easily: You can pay any utility bills like telephone bills, electricity, mobile recharge with this credit card.

5. Global acceptance: This credit card is accepted in foreign countries as well. You can carry the credit card with you and enjoy every offer in more than 24 million outlets worldwide, including 3.5 lakh in India.

6. This card comes with an EMV chip that provides extra security.

Fees And Charges

#footable_8246, #footable_8246 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8246 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8246:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8246 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8246 tr.footable-header, #footable_8246 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8246 tbody tr:hover { background-color: !important; color: !important; } #footable_8246 tbody tr:hover td { border-color: !important; } #footable_8246 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8246 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8246 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8246 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8246 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8246 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8246:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Who should opt for this card?

It is quite common for a person who has a car or some other vehicle, the card is for them! But the question comes whether they should go for some other fuel card or this card. As I mentioned other similar cards below – if you compare them, you will find that this card is one step ahead of those. And the great advantage is the annual fee is also lower than other cards.

So, people, who want to spend low in annual fee and want some extra benefits should apply for this card. Moreover, other cards offer only refuelling costs, but this card gives you some reward if you buy grocery items, dining, and others. So, applying for this card is more logical, in my view.

Why is this card better than other cards?

#footable_8247, #footable_8247 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8247 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8247:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8247 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8247 tr.footable-header, #footable_8247 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8247 tbody tr:hover { background-color: !important; color: !important; } #footable_8247 tbody tr:hover td { border-color: !important; } #footable_8247 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8247 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8247 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8247 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8247 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8247 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8247:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Eligibility Criteria And Documents

You have to be between 18 – 60 years old.

You have to be Indian.

In the case of being self-employed, your income should be at least Rs 30000 per month and Rs 20000 per month for being a salaried person.

Documents Required

Here are the list of the following documents –

Identity proof– you can choose any of the following- PAN card, AADHAR card, Voter Id slip as proof.

Address/residence proof– An address proof is also required. You can choose any of the following-ration card bills of the telephone exchange, gas connection bill, electric bill, or anything.

Income proof – Another important document is income proof, and you can show the Latest pay slip of three months, Form 16, or anything as income proof.

Cards similar to this card

#footable_8249, #footable_8249 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8249 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8249:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8249 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8249 tr.footable-header, #footable_8249 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8249 tbody tr:hover { background-color: !important; color: !important; } #footable_8249 tbody tr:hover td { border-color: !important; } #footable_8249 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8249 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8249 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8249 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8249 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8249 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8249:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

How to apply for this card?

Go to the official website www.scb.in. There will be some questions which require some details. Fill very carefully.

In the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

Fill up everything in the form. Don’t provide any false information because that will lead to the cancellation of the application. And yes, before submitting, read all the terms and conditions carefully.

Frequently Asked Questions

1. Can I use the card in foreign countries?

Yes, you can use the card internationally, and your card is accepted at 24 million+ outlets around the globe.

2. What amount of fuel can I get free in a year?

If everything is working normally and no amount is charged, you will get approximately 70 liters of fuel.

3. Can I get other benefits except for fuel?

Yes, you will get 1 reward point on every expense value of Rs 100 at any purchase and 5X rewards on dining, grocery items.

4. How to redeem the rewards?

You have to go to any BPCL petrol pumps and redeem your rewards, or you can use fuel vouchers. But remember the vouchers are valid only for 6 months.

Advantages And Disadvantages

Advantages

You can get almost 70 litres of fuel annually

13x rewards on fuel purchases and 5x rewards on other expenses.

Disadvantages

Offers are available only in BPCL pumps.

Maximum Rs 400 can be waived off.

The reward points can be used at anything including dining, movie tickets and buying grocery items.

How to check application status?

You must have a reference ID given at the time of applying. At first, go to the official site and look for the option “SBI track your application”. Then you have to enter the reference ID, and here you go!

Final Talk

I have tried to make you understand everything in a single article, hope you like it – see you later!

source https://invested.in/sbi-bpcl-credit-card/

source https://investedindia.wordpress.com/2021/09/20/sbi-bpcl-credit-card/

0 notes

akankshasmishra · 3 years

Text

RBL bank platinum maxima credit card

Love earning reward points? Well, around 76000 rewards you can earn in a year by paying only Rs 2000 in a year. Sounds good? Yes, 8 times free lounge access, 12 free movie tickets, dining, flight booking offers – summing it up, you will get a complete sound package with RBL platinum maxima card. But is the card suits you? Do you like something different? What are the similar cards you can apply – everything you can know – sit properly and start scrolling to know “RBL bank platinum maxima credit card and its review in 2021”!

Key-Highlights

Good reward points may be a good reason for applying.

You can save up to Rs 23250 in a month by gaining around 76000 reward points in a year.

Buy one, get one free ticket from BookMyShow every month.

Almost at every airport and lounge inside India, you can access it 8 times a year.

Rewards

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#footable_8227 tbody tr:hover { background-color: !important; color: !important; } #footable_8227 tbody tr:hover td { border-color: !important; } #footable_8227 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8227 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8227 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8227 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8227 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8227 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8227:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Let’s talk about how much the reward points you will get and how much you can save money in a whole year.

#footable_8228, #footable_8228 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8228 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8228:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8228 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8228 tr.footable-header, #footable_8228 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8228 tbody tr:hover { background-color: !important; color: !important; } #footable_8228 tbody tr:hover td { border-color: !important; } #footable_8228 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8228 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8228 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8228 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8228 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8228 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8228:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

But how can you use the reward points, and where you can apply those?

#footable_8229, #footable_8229 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8229 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8229:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8229 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8229 tr.footable-header, #footable_8229 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8229 tbody tr:hover { background-color: !important; color: !important; } #footable_8229 tbody tr:hover td { border-color: !important; } #footable_8229 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8229 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8229 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8229 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8229 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8229 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8229:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Features And Benefits

1. Rewards program: You can see that there are a quite good collection of rewards programs. Whether you expense at normal daily activities or dining, international items, paying bills – you will get exciting rewards, and the reward rate is quite good. Even if you complete some milestone, you also get a solid amount of reward points.

2. Amazing discounts: By using this credit card, you can avail a good discount on shopping, dining, travelling and much more things.

3. Free movie ticket: Whenever you are trying to entertain yourself, book movies from BookMyShow! Because if you do so by using this card, you will get 1 free movie ticket. But remember, you can save up to Rs 200 in a month – whatever the number of movie tickets you book. And the discount is counted on only one movie ticket.

4. Lounge access: In every year, you will get 8 domestic lounge and airport visits. But no international lounge access is granted, and the Mastercard offers the lounge access.

5. No liability charge is applied if you lost the card and reported to the bank within 24 hours.

6. Convert any significant amount of purchases into a small affordable amount of monthly instalments.

7. You can assign the credit limit on your card. You have to call the customer care service, which is open 24 x 7 hours.

8. You can transfer balances from other banks into this bank.

Fees And Charges

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#footable_8232 tbody tr:hover { background-color: !important; color: !important; } #footable_8232 tbody tr:hover td { border-color: !important; } #footable_8232 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8232 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8232 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8232 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8232 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8232 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8232:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Who should opt for this card?

This card is introduced for those persons who travel within the country, frequent cinema hall visitors! There is no cashback or discount as a reward – you can enjoy all benefits and earn reward points in return for that. So, according to some people, this scheme may not be liked. They do not love rewards – they want to avail of something at a lower price, and discounts and offers matter much.

But if you are among those groups of people who want to enjoy everything that the card offers at any cost – you may apply for this card. Because at the end of the day, you are gaining cashback in the form of rewards, and you have to apply those rewards in the right place and plan everything according to that.

Why is this card better than other cards?

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#footable_8233 tbody tr:hover { background-color: !important; color: !important; } #footable_8233 tbody tr:hover td { border-color: !important; } #footable_8233 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8233 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8233 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8233 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8233 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8233 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8233:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Eligibility Criteria And Documents Required

You have to be above 18 years old – if you are adding – on the member. And for primary cardholders, you should be between 18 to 75 years old.

You have to be Indian.

There is an option for a term deposit scheme – you can lock your money for a temporary period. But only an individual term deposit (TD) is allowed; you cannot create it with add-on members. And the minimum amount of term deposit is Rs 15000.

Documents Required

Here are the list of the following documents ->

Identity proof– you can choose any of the following- PAN card, AADHAR card, Voter Id slip as proof.

Address/residence proof– An address proof is also required. You can choose any of the following-ration card bills of the telephone exchange, gas connection bill, electric bill, or anything.

Income proof – Another essential document is income proof, and you can show the Latest pay slip of three months, Form 16, or anything as income proof.

Cards similar to this card

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#footable_8235 tbody tr:hover { background-color: !important; color: !important; } #footable_8235 tbody tr:hover td { border-color: !important; } #footable_8235 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8235 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8235 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8235 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8235 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8235 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8235:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

How to apply for this card?

Go to the official website www.kotak.com. There will be some questions which require some details. Fill very carefully.

In the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

Frequently Asked Questions

1. Can the annual fees be waived?

The bank has not mentioned any conditions about waiving off the annual fees.

2. Can I use this card for international purposes?

Yes, you can.

3. Can this card be a perfect choice for spending internationally?

From the point of view of the card’s acceptability, there is no constraint about using the card internationally. But the question is how much it would be wise to choose this card. Well, in that case you have to judge both the rewards and charge. Yes, you will get more rewards at international expenses than domestic expenses – i.e2.5 reward points per Rs 100. But you should also keep in mind that you have to expense at a more rate than the domestic ones – i.e. 3.95% – so ultimately you have to pay 1.95%! So, you can use this card – but that will not give you many benefits

4. How can the reward points be used?

You can use the reward points on booking flights, hotels, dining and much more. To know more, refer to the rewards section.

Disadvantages Of Using This Card

Unlike other credit cards, there is no scope of waiving the annual fee – whatever you have spent in a year.

Every time you refuel your engine, you have to pay 1% of the refuelling cost. Here also, no option is available to waive off charges.

The biggest demerit of this card is, you cannot access international lounges and airports. At the same time, other credit cards offer international lounges.

Final Talk

By reading this article, the picture should be clear about this card. Neither you can neglect the disadvantages, nor you can deny by seeing the advantages only. What you can do is – you can tally the rewards/fees ratio and then take the decision.

I tried to make sure that all the essential and main things are covered within this article. See you in another article!

source https://invested.in/rbl-bank-platinum-maxima-credit-card/

source https://investedindia.wordpress.com/2021/09/18/rbl-bank-platinum-maxima-credit-card/

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akankshasmishra · 3 years

Text

RBL Bank practo plus credit card

India’s first health-focused credit card is RBL bank practo – from the name, you can understand that there is a contribution of two companies to introduce this card. The speciality of this card is – it is dedicated to health issues and its solution. So, you will never face any compromise in their services. Apart from these, you will get 8 lounge access.

So, should you apply for it, what are the benefits – everything will be discussed in the topic “RBL bank practo plus credit card and its review in 2021”.

Key-Highlights

1 complimentary health check-up for your whole family.

You don’t need to go anywhere for testing – they will collect samples from your doorstep.

Medicines will be delivered to your home.

1 health cash point can be earned on every expense value of Rs 100.

8 lounge access every year.

Rewards

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There are some things you need to know about the rewards –

The reward points or health cash points will be automatically credited to the Practo account every month.

Each reward points stand for Rs 1 – so it is very worth it!

Features And Benefits

1. Rewards program: The reward program is so small that there is nothing to be elaborated on. The only reward you can get from this credit card is free health check–up or health cash points, which are ultimately used only in health services.

2. Airports and lounge accesses: One of the best things about this credit card I must appreciate is giving you lounge access. You can enjoy 8 airports and lounge access in a year.

3. Unlimited health check-up: Using this credit card, you can get unlimited health consultations for both you and your family members using the chat option available in the practo.

4. Good services: There are some services that are offered –they will pick up samples from your home, and the test report will be delivered as a soft copy within 1 day.

5. Auto-debit fees: If you forgot to pay the fees in time and have an account on RBL bank with a sufficient balance, the fees and charges would be automatically debited.

Fees And Charges

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Who should opt for this card?

Yes, this is a big question! People who are highly conscious about health and spend much on medicines and tests frequently – may apply for this card. It may happen that, in a family, most of the members are ill or suffering from such diseases that require regular health check-ups – they will be benefited most.

You will also get lounge access as a bonus gift! But if you visit the doctor’s chamber, often you need not apply for this card – because you will not get any rewards except a health check-up!

Eligibility Criteria And Documents Required

You have to be between 21 – 65 years old.

You have to be Indian.

Documents Required

Here are the list of the following documents

Identity proof– you can choose any of the following- PAN card, AADHAR card, Voter Id slip as proof.

Address/residence proof– An address proof is also required. You can choose any of the following-ration card bills of the telephone exchange, gas connection bill, electric bill, or anything.

Income proof – Another important document is income proof, and you can show the Latest pay slip of three months, Form 16, or anything as income proof.

Advantages And Disadvantages

There are some advantages and disadvantages

Advantages

Health-conscious people who intentionally applied for this card are benefited much.

Some services are good for some people.

8 airport and lounge access are given.

Disadvantages

There is no reward except health check-ups and some services.

This credit card cannot be used for other purposes except health benefits.

Whatever rewards you earn cannot be used anywhere except in practo’s service.

How To apply for this card?

Go to the official website www.practo.com in there will be some questions which require some details. Fill very carefully.

In the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

How one can pay the fees for a credit card?

As I have discussed previously, the fees will be debited automatically if you have a sufficient balance in your bank account. And of course, you have other options available also.

You can pay via UPI payment.

From another bank, you can pay the amount by transferring the balance.

And of course, the traditional cash payment is available.

Frequently Asked Questions

1. Is any reward available except the health-related?

Sorry, my friend! Here you will get health-related rewards because the motivation behind introducing this card is to provide health check-up benefits.

2. How much will I be charged while travelling overseas?

You will be charged at the rate of 3.5%.

3. How long will I get health consultancies?

You can get unlimited health consultancies via chat for 24 x 7 hours.

4. What is the credit limit?

The officials have not mentioned anything about the credit limit, and it depends on your credit score and your income.

Final Talk

I know that everything about a card cannot be discussed in a single article – still, I tried to wrap up the essential and main things. See you in another article!

source https://invested.in/rbl-bank-practo-plus-credit-card/

source https://investedindia.wordpress.com/2021/09/17/rbl-bank-practo-plus-credit-card/

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akankshasmishra · 3 years

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HDFC solitaire credit card

Have you ever been immersed in the pool of rewards? If not, then this topic would be a thing of attraction. Moderate charges, huge collection rewards, shopping benefits, and more features are flooded in HDFC Solitaire credit card. This card is considered to be one of the best credit cards in the fees segment. So, let’s dig into the topic- “HDFC Solitaire credit card and its review in 2021”.

Key-Highlights

Eye-catching features are always there –

Aggressive rewards attract new customers quickly.

Shopping vouchers are there for shopping lovers.

1% fuel surcharge and travel benefits.

No liability if you lose the card!

Rewards

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Features And Benefits

1. Rewards program: You can check it at the previous point where I have discussed it in detail. Starting from milestone benefits to grocery items and other expenses, you will get attractive rewards.

2. Don’t worry if you lose!: Lost your card? Don’t be panicked or worried – report the bank immediately about the loss, and you will have no responsibility on how many fraud transactions have occurred or not.

3. Happy shopping: Now you can enhance your shopping experience better because by using this credit card, you will avail shopping Vouchers from ShopperStop worth Rs 1000 – but, remember, you have to expend an amount of Rs 75000 during 6 months, and this voucher can be availed only 2 times in a year.

4. Travel more: By redeeming the rewards, you can earn flight distances or Airmiles, so fly high in domestic flight airlines distances only!

5. Waive off fuel charges: Every time you refuel your vehicle, you will get a 1% fuel surcharge waived off – but remember, the maximum waived off money is Rs 250.

6. Transactions are safe! Like every other credit card, this card also comes with an in-built chip that provides more security on every transaction at chip and non-chip POS terminals.

6. Revolving credit limit facility is another unique feature.

7. You can enjoy 50 days grace period from the date of issuance of the card.

Fees

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Who should opt for this card?

Fortunately, HDFC Bank has opened the opportunity to common people for applying for this card. It did so by making the fees much lower than others. At first sight, one can easily be impressed by its features and benefits. Also, this card could be the best option for shopping lovers. And yes, the travel lovers will get airmiles but not too much – still it is worthy at as compared to its fees,

Eligibility Criteria And Documents Required

You have to be an Indian.

Being self-employed, your age should lie between 21 years to 65 years and21 years to 60 years for being a salaried employee.

And, of course, a good source of income is judged as a top priority.

Documents Required:

Here are the list of the following documents –

Identity proof– you can choose any of the following- PAN card, AADHAR card, Voter Id slip as proof.

Address/residence proof– An address proof is also required. You can choose any of the following-ration card bills of the telephone exchange, gas connection bill, electric bill, or anything.

Income proof – Another important document is income proof. You can show the Latest pay slip of three months, Form 16, or anything as income proof.

How to check application status?

Whether you have applied for the card online or offline, you can check the application progress by visiting their website. There you can see or track your application process. Thus, the process saves both time and energy!

Statement

The credit card statements record all the transactions you have made via this card. So, if you want, you can check the transaction history, which is very useful for making a remainder on the repayment schedule. By the way, you can access the statement from the bank’s website itself.

How you can pay the bill?

There are many payment options, including other bank’s credit cards. Most probably, the auto pay bill is accepted. And, of course, the traditional cash/ cheque system is always available.

So, pay your dues and bills within the deadline, so you do not have to pay extra charges!

How to apply for this card?

Go to the official website www.hdfcbank.com. There will be some questions which require some details. Fill very carefully.

On the second step, some other personal details (used to verify you) have to be filled in – mobile number, PAN number, pin code, Net annual income and much more. You should better have all documents with you to see and copy the details side by side.

Fill up everything in the form. Point to be noted that your application will be cancelled if you provide any false information in the form. And yes, before submitting, read all the terms and conditions carefully.

Frequently Asked Questions

Time for doubt clearing!!!

1. What to do if I lost the card?

You have to inform the bank immediately about the loss of your card, and the bank will block your card, or you will be provided with a new card. But you have to pay the fees.

2. What is the credit limit of this card?

Unfortunately, no bank discloses this matter. You will get to know when you are using this card because the credit limit of a card depends on many factors, including your income criteria, usage pattern, credit history, credit score and much more. So it varies from person to person.

3. What to do if I want to pay the bills from other banks which is not listed?

Generally, a significant collection of banks are on the list. But if you still facing the problem, you can contact customer care.

4. How long it takes to credit cash on my account?

Except for weekends, it would take almost 2 – 3 days to be credited to your account.

Final Talk

I have tried to make you understand everything in a single article, hope you like it – see you later!

source https://invested.in/hdfc-solitaire-credit-card/

source https://investedindia.wordpress.com/2021/09/17/hdfc-solitaire-credit-card/

0 notes

akankshasmishra · 3 years

Text

IndusInd Iconia American express credit card and its review

If you remember your experience of reading credit card reviews, you will find that you have hardly seen this card as a competitor or similar! So, Should we apply for this card? Well, all the questions are answered in “IndusInd Iconia American Express credit card and its review”.

Key-Highlights

Two reward plan – 2 and 1.5 reward points are awarded on weekends and weekdays, respectively.

Some offers on dining, hotels exist but are not revealed properly.

8 lounge access in every year – which is quite appropriate.

The joining fee is Rs 3500 and zero annual fee.

Rewards

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#footable_8158 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8158 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8158:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Who should opt for this card?

Every credit card has some plus and minus points as well. We know that different credit card offers different features and rewards – we may be confused sometimes. But there is no confusion – because the rewards program is so limited that everyone can remember it easily! Fortunately, the annual fee is zero, and there is no transaction goal to make it free. The question comes, who should apply for this card and, most importantly, who will benefit most by applying for this card.

Some people who think that they don’t want unnecessary rewards and don’t want to pay the annual fee can apply for this card. But other cards do not charge the annual fee. But here, the plus point arises. In other cards, you will not get the same rewards on international expenses as compared to a domestic one. And probably, the fields of charges are short in this card. So, considering these all things, if you expense at international items more frequently, you are benefited a bit.

Fees

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#footable_8159 tbody tr:hover { background-color: !important; color: !important; } #footable_8159 tbody tr:hover td { border-color: !important; } #footable_8159 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8159 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8159 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8159 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8159 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8159 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8159:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Features And Benefits

The rewards program is tiny compared to other credit cards and the fees.

i. Rewards in some cases: You have seen that ultimately you are getting two types of rewards – one for weekdays and weekends. For weekdays, you will be awarded 1.5 reward points per expense value of 100, and for weekends, the rewards are increased to 2 reward points per expense value of Rs 100. And nothing much to talk about the rewards.

ii. Lounge access: At every gap of 4 months – means 3 times in a year, you will get 2 free lounge visits absolutely free.

iii. Make secure transaction: Using the American Express eye click feature, you need not be worried about security. Just wave your card, and everything is done!

iv. Complimentary golf game and golf lesson: You can enjoy 1 complimentary game and class lesson per quarter. This offer is valid at golf clubs in Bangalore, Mumbai, Pune, Chennai, Ahmedabad, Delhi NCR, and Hyderabad.

Eligibility Criteria And Documents Required

You have to be an Indian.

Your age should be between 18 – 60 years old.

The minimum income requirement is Rs 3.6 lakh per annum if you are a salaried person. And for a self–employed person, the minimum income should be Rs 4.8 lakh per annum.

A good credit score and credit history is needed.

Documents required

A proof of identity, proof of address/residence is sufficient for applying for this card.

You can choose anyone for each case from the below list:

AADHAR card, PAN card, Voter card slip, driving license – for identity proof.

Ration card, water bill, gas connection bill, the electric bill – for address proof.

Form 16 or last 2 months payslip – for income proof.

Similar Cards

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#footable_8161 tbody tr:hover { background-color: !important; color: !important; } #footable_8161 tbody tr:hover td { border-color: !important; } #footable_8161 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8161 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8161 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8161 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8161 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8161 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8161:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

How to apply for this card?:

Let’s discuss the point for the interested one.

Go to the official website www.indusind.com.You will find some questions are asking for details. Fill very carefully.

In the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

Fill the forms very carefully. And also, read all the disclaimer terms and conditions before applying.

Frequently Asked Questions

1. What is the credit limit of IRCTC SBI premier cards?

2. What is the grace period?

On the official site, it is clearly mentioned that the interest-free period or grace period is 50 days.

3. Can I get free lounge access overseas?

Ans: Nope. Free lounge access is offered only in the domestic lounge and airport.

Final Talk

Considering all the situations, this credit card does not hold smart value for a mid-budget customer. But, it suits many of you.

I hope you have cleared all your doubts by reading this article. Thank you and see you again later!

source https://invested.in/indusind-iconia-american-express-credit-card/

source https://investedindia.wordpress.com/2021/09/17/indusind-iconia-american-express-credit-card-and-its-review/

0 notes

akankshasmishra · 3 years

Text

Axis Bank My Zone Credit Card

The people who are too much into shopping and movies should especially opt for Axis Bank My Zone Credit Card. The annual fee of this card is Rs.500, which is very less. The card also provides complimentary airport lounges, cashback on movie tickets, and discounts on Paytm, Myntra, and many more popular merchants.

So, without wasting any minute, let’s find out the more insides of the card in detail.

Key Highlights

Within the period of 45 days of the purchase of the credit card, you can waive Rs.500 on the expenditure of Rs.5,000 of the first-year fee.

You can get extra reward points for using the credit card on weekend shopping and dining.

The people who are too much in need of lifestyle benefits can acquire probably much of the benefits from the Axis Bank My Zone Credit Card.

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#footable_8170 tbody tr:hover { background-color: !important; color: !important; } #footable_8170 tbody tr:hover td { border-color: !important; } #footable_8170 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8170 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8170 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8170 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8170 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8170 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8170:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Rewards

According to the Axis Bank My Zone Credit Card rules, you can earn EDGE reward points on all the purchases you make with this card.

On every Rs.200 expenditure, you can get 4 EDGE reward points.

On fuel, EMI, and movie transactions, there won’t be any reward points allotted to the card. If you want to redeem your EDGE reward points, you can redeem them by buying such items as home décor, vouchers, mobile accessories, computer accessories, and many more.

This Axis Bank My Zone Credit Card provides a 2% of reward rate, that is, on every Rs.200 of expenditure, you can get 4 points, which makes it super competitive for the cards in the range of Rs.500 yearly fees.

Click here to know how you can avail benefits worth Rs. 12,000 using your Axis Bank My Zone Credit Card

1. Discount up to 25% at Myntra

Having Axis Bank My Zone Credit Card, whatever you purchase from Myntra, you can get up to 25% off by using it. The people who shop a lot from Myntra, for them the offer would be very useful.

Important Points

On some of the selected styles, you can get a discount on the minimum spend of Rs.1,999.

To access the offer, you can use the code “MYZONE25” for checkout.

You can access this discount only on the Myntra application or website only.

2. To get 4,000 EDGE reward points annually

You can get 1,000 EDGE reward points on each quarter calendar on a minimum expenditure of Rs.3,000.

(quarter calendar means – October-December, July-September, April-June, January-March)

Important Points

You can not get eligibility on interest payment and EMI principal for this offer.

You can get eligibility on the transactions of fuel and movie for this offer.

For this offer, there is no relation with the issue date of the card, but the offer is valid based on each quarter.

You can not get eligibility on fees, finance charges, or withdrawal of cash done through the bank for this offer.

Benefits

1 complimentary access to select airport lounges within India per calendar quarter.

1% fuel surcharge waiver on all fuel transactions in India

On any transaction over Rs. 2,500, you can contact the bank to convert a large-value purchase into EMIs

Up to 20% off at partner restaurants in India. Click here to see the updated list of restaurants associated with the ‘Dining Delights’ program

For Mastercard holders, log in to Mastercard Shop Perks for a variety of offers on popular brands.

Who Should Opt For The Card?

This card is very limited in the benefits, as it has only online shopping and movie benefits. Other than these benefits, it does not have any other benefit to provide. This card is a low annual fee card, which means it does not offer much and does not ask huge amounts of annual fee, which balances all.

For the people who can opt and will suit them perfectly are: –

People who do not use a credit card on a regular basis, due to which they do not want to invest a lot of money, can have this card. This card has only Rs.500 as an annual fee.

The crowd who are visiting or seeing movies quite more often can enjoy much of the benefits of this credit card.

You can also use the benefit of reward on regular purchases if you want.

Pros

Quite a good cashback offers on movie ticket bookings

Easy rewards redemption options are available

Satisfactory benefits on popular brands like Myntra and Paytm

Cons

Only 1 complimentary lounge access is given

Limited discount on the movies.

The rewards rate is low.

The interest rate is high (49.36% p.a.)

Features & Benefits

The Axis Bank My Zone Credit Card gets you to earn a lot of reward points, and cashback offers on all of your transactions.

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#footable_8172 tbody tr:hover { background-color: !important; color: !important; } #footable_8172 tbody tr:hover td { border-color: !important; } #footable_8172 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8172 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8172 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8172 tbody tr:nth-child(odd):hover { background-color: !important; }

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Offer available once per account

One complimentary lounge access per quarter

For illustrative purposes only

1. Get 25% of cashback on Movie Tickets

For the people who are too much into watching movies in the theatre, it has got the best option to buy this Axis Bank My Zone Credit Card. But you can get access to this offer by only booking the movie tickets through Paytm.

The options for cashback are: –

On all these movie transactions, you cannot get the reward points.

The cashback amount is up to Rs.100 only in one calendar month.

For the whole week, you can get 25% of cashback on the movie tickets.

2. Welcome Benefit

When your credit card is used for the first time, you can get 100 points altogether.

3. Secure Credit Card

This Axis Bank My Zone Credit Card is very secure, as it is protected by Chip along with that PIN, and it is certified with an EMV chip card. This card is a magnetic strip credit card that is made with in-built qualities. That helps to avoid the skimming fraud and counterfeit.

4. Some Discounts on Dining

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#footable_8174 tbody tr:hover { background-color: !important; color: !important; } #footable_8174 tbody tr:hover td { border-color: !important; } #footable_8174 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8174 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8174 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8174 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8174 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8174 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8174:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Fees & Charges

The Fees and Charges the Axis Bank My Zone Credit Card asked for are mentioned below: –

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#footable_8175 tbody tr:hover { background-color: !important; color: !important; } #footable_8175 tbody tr:hover td { border-color: !important; } #footable_8175 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8175 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8175 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8175 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8175 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8175 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8175:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Eligibility & Documents Required

The below-listed details are the criteria set by the bank for this Axis Bank My Zone Credit Card. And if anyone wants to buy this card, then he/she has to meet these criteria, which the bank sets. Also, the bank may require documents other than these. And to approve or decline the application is totally under the bank’s control.

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#footable_8176 tbody tr:hover { background-color: !important; color: !important; } #footable_8176 tbody tr:hover td { border-color: !important; } #footable_8176 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8176 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8176 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8176 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8176 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8176 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8176:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Documents Required

The cardholder is required to submit some important documents which are necessary to submit. They are KYC Documents, which include Proof of Address, Identity, and Income.

The list of the documents is mentioned below: –

#footable_8178, #footable_8178 table { background-color: rgba(255, 255, 255, 1) !important; color: rgba(37, 35, 35, 1) !important; border-color: !important; } #footable_8178 thead tr.footable-filtering th { background-color: !important; color: !important; } #footable_8178:not(.hide_all_borders) thead tr.footable-filtering th { border : 1px solid transparent !important; } #footable_8178 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) { background-color: !important; color: !important; } #footable_8178 tr.footable-header, #footable_8178 tr.footable-header th, .colored_table table.ninja_table_pro.inverted.table.footable-details tbody tr th { background-color: rgba(22, 1, 44, 1) !important; color: rgba(251, 248, 248, 1) !important; }

#footable_8178 tbody tr:hover { background-color: !important; color: !important; } #footable_8178 tbody tr:hover td { border-color: !important; } #footable_8178 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8178 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8178 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8178 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8178 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8178 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8178:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

How To Apply For The Card

Only the official website of the Axis Bank allows you to register yourself for the Axis Bank My Zone Credit Card.

The details above will help you check your eligibility for the card so that you can keep track of all your documents related to the card.

Below are the steps to follow for the application process: –

After selecting the credit card of your choice, Axis Bank My Zone Credit Card, you will have to check your eligibility for the card and fill out the details asked on the page.

After submitting the earlier page, you can jump to the next page, which will ask you the relevant questions regarding your income, name, address, city, etc.

As you submit, you will be guided to upload the documents which they have asked for.

Now submit your application. After that, you will receive a notification on your contact number, there you will find the tracking ID, which will be helpful for you to track your Credit Card through the Tracking Application.

FAQS

1. How much does the Axis Bank My Zone Credit Card offer with the cashback money for movies?

The Axis Bank My Zone Credit Card offers Rs.1,000 of the cashback money for movies in one annual year.

2. How much does the Axis Bank My Zone Credit Card provide reward points on any fuel transactions?

No. The Axis Bank My Zone Credit Card provides zero reward points on any fuel transactions.

3. On-Axis Bank My Zone Credit Card, how much do you get the waiver on the joining fee?

Axis Bank My Zone Credit Card asks for Rs.500 of Joining Fee, which can be waived off in 45 days on spending Rs.5,000 of the issue of the card.

4. From the Axis Bank My Zone Credit Card, can I withdraw money?

Yes. During an emergency, you can withdraw your cash amount through Axis Bank My Zone Credit Card. Certain amounts of money can be withdrawn at any time, but you cannot withdraw the amount after the limit. You need to withdraw the money from the credit limit. The cardholders can withdraw the cash from any ATM by using their credit card.

5. How can you get in touch with the Customer Care of Axis Bank My Zone Credit Card?

You can contact the customer care of Axis Bank My Zone Credit Card by calling on 1860 500 5555 or 1860 419 5555 for any inquiry. Or you can also e-mail Axis Bank your problem to axisbank.com/support.

Similar Cards

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#footable_8181 tbody tr:hover { background-color: !important; color: !important; } #footable_8181 tbody tr:hover td { border-color: !important; } #footable_8181 tbody tr:nth-child(even) { background-color: rgba(181, 240, 255, 1) !important; color: !important; } #footable_8181 tbody tr:nth-child(odd) { background-color: !important; color: !important; } #footable_8181 tbody tr:nth-child(even):hover { background-color: !important; } #footable_8181 tbody tr:nth-child(odd):hover { background-color: !important; }

#footable_8181 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8181 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8181:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

Final Talk

To buy these things like premium merchandise, vouchers, gifts, and many more, then you can redeem your reward points from your Axis Bank My Zone Credit Card. So, you can receive rewards on your expenditures. The kind of rewards this card offer makes it very attractive for movie-watching people and shopaholics, as it provides all the dues constantly paid on regular basis for each month.

source https://invested.in/axis-bank-my-zone-credit-card/

source https://investedindia.wordpress.com/2021/09/16/axis-bank-my-zone-credit-card/

0 notes

akankshasmishra · 3 years

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IRCTC SBI card premier credit card and its review

Ever tried a credit card with the best facility in the railway booking system? If not, then IRCTC SBI premier credit card has brought you some extra advantages and discounts which are attractable to any travel lover. But the amazing thing is that you can earn travel distance every night! Surprised? But it is true; you can earn 10000 miles of travel distance on every night spent at hotels. And not only that, there are some more interesting features. So, don’t be late anymore – scroll down to see “IRCTC SBI card premier credit card and its review.”

Key-Highlights

At first sight, the rewards seem to be more than enough, but the highlights are more than that.

Good rewards at buying tickets, expensing utilities, staying at hotels and much more are awarded to you – especially in railway tickets.

10% and 25% car rental benefits from Hertz and Avis car rental.

Contactless payment can help you prevent losing cards and fraud cases – wave your card, and everything is done!

Easily convert considerable purchase amount into monthly instalments by using FlexiPay.

Every night at the hotel can earn 10000 miles and 25% extra from Kaligo.com.

Rs 10 lakhs and 50 lakhs of coverage amount are provided in case of accidental coverage.

Rs. 1 lakh of coverage amount can be claimed in case of fraud cases.

Rewards

From the name itself, it is clear about the rewards type and its amount. Still, an elaborated explanation is needed for understanding purposes.

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Who should opt for this card?

The net income constraint in the eligibility criteria clarifies that this card is for the ‘fancy’ users. People who love to travel, shopping – the card suits them. Saving is not at all a thing of concern to them. Rather they love to spend money for enjoying their life. A luxurious lifestyle is their motto. Daily usage patterns are entirely different from other people. Rewards attract them much, and they don’t hesitate to follow the transaction or any other goals to avail the rewards. Of course, not all rich people need to apply for this card!

The credit card is exclusively for premium users. If you are a member of a group of those persons who have a net income excellent, you may apply for this card. In fact, you have to be that – otherwise, you will be struck at the constraint of eligibility criteria. Thus, there is no question of common people applying for this card.

Fees

Premium card but not premium charges! It’s not going to happen –well, the charges are moderate, average – not too high and not too low also. Let’s list those.

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Features And Benefits

A premium card should come with premium features, which also happens here.

1. A vast collection of rewards

As I mentioned in the second point, the rewards are good in types – means not in every case they are offering the same type of rewards(the reward points) and in amounts. Different cases – different rewards and different amounts, sometimes it is the reward points, sometimes good discount and sometimes values back.

2. A good option for waiving charges

There are mainly two options for waiving transaction charges. One is for railway tickets, and the other is for air tickets. When you consider buying tickets from the official website –irctc.co. you can save 1% and 1.8% of the fare respectively.

3. Privileges from VISA

Again, this point comes under the rewards section. There are exclusive benefits across 900 hotels both in India and abroad. These benefits are under VISA Signature facilities. You can save 10% and 35% on car rental from Hertz and Avis. And the most exciting thing is that you can earn 10000 miles on every night spend at hotels, and from Kaligo.com extra 25% mile is awarded.

4. Contactless payment

The SBI bank made the contactless payment to upgrade to the next level. The daily purchase can be made with just a simple waving your card at a security reader. So, you don’t need to enter the PIN every time, and the process is fast and convenient.

5. Security

Here comes this point linked with the previous one. You don’t have to hand over the card during the transaction – so the chance of losing and stealing is less. And if you mistakenly wave multiple times the card at a security reader, only one transaction would be done. Thanks to the VISA payWave for providing a unique security key feature.

6. Fast and convenient

The same thing is here also. Though it is contactless, it is also as fast as a standard card. You don’t need to hand it over for cash or coins, only waving can do this!

7. Pay bill easily

You can pay the electricity, water, telephone and other utility bills using the IRCTC SBI premier card with an easy pay bill facility.

8. Fraud liability coverage

You have not to pay anything if you are a victim of fraud cases and report within 48 hours of loss of the card. And also, you are eligible to get a coverage amount of Rs 1 lakh, which is valid for 7 days of post reporting time.

9. Lounge access

You can enjoy 8 lounge visits and a maximum of 2 lounge access every year. Here I am giving the list of some lounges and their location.

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I forgot to mention one crucial thing on the list: every entry is to the executive lounge. And then another one is that only the primary cardholder can access lounge visits and lounge access, so there is no chance for the add-on cardmember to enjoy every feature and benefit.

10. Accepted worldwide

Your SBI IRCTC card is accepted 24 million outlets all around the world. So, don’t worry, carry your card and enjoy!

11. Card replacement and accidental coverage

You can replace your card anywhere in the world – get in touch with the VISA helpline number. And you will get Rs 50 lakh of coverage amount in case of an accident while travelling overseas.

12. Add your family members easily who are above 18 years old.

13. Convert purchases into EMI

With Flexipay, you can convert any big purchase amount into monthly instalments. To avail this facility, you have to do any transaction whose amount is Rs 2500 or more and log on to the board. Within 30 days of purchase.

14. You will get the cheque or draft delivered to your doorstep by the Easy pay facility when you need money.

15. The same thing happens for the Railway ticket booking also. You have to follow some basic rules and conditions at irctc.co.in.

Why This Card Is Better Than Other Credit Cards?

Here comes the true challenge. Actualsimilar cards offer more in dining and shopping, and SBI IRCTC lags behind them. But there are also some good points which defeat others.

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Eligibility Criteria

You have to be an Indian.

Your age should be above 21 years old.

The minimum income requirement is Rs 20000 per month if you are a salaried person. And for a self–employed person, the minimum income should be Rs 3 lakh per annum.

A good credit score and credit history is needed.

Documents Required

A proof of identity, proof of address/residence is sufficient for applying for this card. You can choose anyone for each case from the below list:

AADHAR card, PAN card, Voter card slip, driving license – for identity proof.

Ration card, water bill, gas connection bill, the electric bill – for address proof.

Form 16 or last 2 months payslip – for income proof.

Similar Cards

As I told you earlier, this card has similar competitors. Let’s have a quick comparison.

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#footable_8192 tfoot .footable-paging { background-color: rgba(135, 200, 210, 1) !important; } #footable_8192 tfoot .footable-paging .footable-page.active a { background-color: !important; } #footable_8192:not(.hide_all_borders) tfoot tr.footable-paging td { border-color: !important; }

How to apply for this card?

I think you have understood the fees, who should apply for this card. And after that, if you have decided to apply for this card, here is how to do so.

Go to the official sbi site. You will find some questions are asking for details. Fill very carefully.

In the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

Fill the forms very carefully. And also, read all the disclaimer terms and conditions before applying.

Frequently Asked Questions

I know you guys are confused with some questions – let me answer those.

1. What is the credit limit of IRCTC SBI premier cards?

2. What is the grace period?

On the official site, it is mentioned that the interest-free period or grace period can range between 20 – 50 days.

3. Can I waive the annual fee?

Yes, of course, you can! You can waive off the annual fee by expensing a total of Rs 2.5 lakh in a year.

4. Actually, who would be benefited most from this card?

Generally, the travellers who used to travel by train or air very frequently are benefited a lot because, in travelling, the benefits are much attractive.

Final Talk

Here, the time comes for the conclusion. After the long discussion of facilities and disadvantages, one question comes to our mind: “whether should I apply for the card or not?”I have some complaints about the card. Because the coverage amount is lower than others, you will get only Rs 1 lakh in fraud cases. That really disappoints the victims.

The usage of a credit card seems to be an extra burden for you. You are not a regular customer and have not faced any issues over the transaction till now. Then why should you use a credit card? Because, unlike others, this credit card does not provide any rewards at the offline market. You love travelling – visit various countries frequently. Security may be a top priority for you. Then there is a question of choosing the best credit card. As you have seen before, it offers excellent security. Considering all the situations, this credit card really holds smart value for a mid-budget and fancy customer.

I hope all the doubts are cleared by reading this article. Thank you and see you again later!

source https://invested.in/irctc-sbi-card-premier-credit-card/

source https://investedindia.wordpress.com/2021/09/16/irctc-sbi-card-premier-credit-card-and-its-review/

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