Your Guide To Credit Cards

HDFC Bank is India’s largest private sector bank in terms of assets and market capitalization. The Bank offers credit cards in every other category, be it for travel purposes, fuel, shopping, or any other, the bank offers credit cards with many benefits in every category.  If you own any HDFC credit card then you must be enjoying the privileges associated with the card. As the benefits provided with each card are stupendous. The Bank offers in its cards, world-class unmatched benefits like lounge access, dining benefits, tons of reward points or cashback, golf programs, lower charges, and whatnot. But today, we are not going to talk about the benefits of the cards by the HDFC Bank, rather, we are going to talk about the ways in which you can enhance the benefits of your HDFC credit card. Use the card for its desired benefits: Every HDFC credit card offers tons of reward points and cash back in many categories. Most of the cards provide these points in specific categories or with merch

Everyone does shopping every now and then and sometimes all of us wish that we could save some money while shopping. To meet this need of the public at large credit card issuers have come up with credit cards that offer shopping benefits. We have covered the 5 best credit cards for online shopping that you can consider applying for. Keep reading to kick start your research. Flipkart Axis Bank Credit Card One of the most popular credit cards by Axis Bank in partnership with Flipkart is the Flipkart Axis Bank Card . You can avail this credit card at Rs. 500 plus applicable taxes. The credit cardholder gets to earn 5% cashback on shopping from Flipkart and Myntra, 4% cashback on Swiggy, Uber, PVR, and Cure.fit, and 1.5% cashback on all other spendings. You get to enjoy welcome benefits worth Rs. 2,500 and 4 complimentary domestic airport lounge access with this card. Amazon Pay ICICI Bank credit card This credit card is a lifetime free credit card and is ideal for online shopping.

What is a Cash Back Credit Card? Cashback credit cards are quite popular among credit card categories. It provides a certain percentage of the money back on the amount spent using the card. The percentage varies across categories. The rewards earned on a cashback credit card are known as cash points which can be redeemed for real money. Unlike other rewards, cash back rewards cannot be devalued. You can use the amount to either transfer it directly into your bank account or you can also use it to pay your card bills. Choose the best Cash back card: Below given are the aspects that are generally considered to be the traits of top  cashback credit cards . Hence, if you wish to choose the best Cash back card for yourself be sure to find these features in your card: Accelerated Cashback: The cashback percentage earned on different cashback cards is different. In some categories, it may provide a flat rate and in others, it may provide accelerated cashbacks, you need to search what are

What is a Cashback Credit Card? Cashback Credit Cards have become quite famous due to their simplicity of usage. A Cashback Credit card gives the rewards in terms of CashPoints which can be converted into real cash. A cashback credit card gives a certain amount of your purchase’s money back on each transaction. The percentage amount given back varies among different categories as per the card’s policy. Cash-back benefits are real money that may be applied to a credit card payment, received as a cheque, or deposited into a bank account. How does Cashback Credit Cards work? To completely understand how Cashback Credit Cards work, go through the following points given below: CashPoints: The Rewards earned on a Cashback Credit Card are known as CashPoints. These cash points can be earned in different categories like travels, lifestyle expenses, Entertainment, etc. Accelerated Points: Many times, a cashback credit card provides accelerated Cash Points on certain c

Financial institutions are getting more and more creative with their credit cards and their credit card offers but all these services certainly come at a cost in the form of certain fees. As long as the benefits outweigh the cost, it is all worth it. In this article, we will try to determine if Amex Gold is Worth it or not. We shall do so by looking at its fees and charges and comparing them with regards to the many benefits it offers. American Express Gold Card Fees: Let us start by looking at the Amex Gold Card joining fees: Annual Fee: The Amex Gold card provides two options for paying its annual fee: Annual fee of Rs. 4500 + Taxes Monthly fee of Rs. 375 + Taxes American Express Gold Card Benefits: Let us compare American Express Credit Cards benefits: Rewards: 1 Reward point on every Rs. 50 spend. 5X Rewards on Shop, dine and travel. Travel Benefits: Up to 20% off at hotel stays and food and beverages at Heritage Hotels and Resorts. Up to 15% off on hotel stays at The Leela and up

It is important to not only identify the Best Travel Credit Cards for yourself but also to narrow it down to domestic travel or international travel. If you are someone who travels domestically in India more, then it will surely help you to choose a credit card that can improve your specific experience by providing relevant services like free domestic lounge access , domestic air miles, discount on dining, and more. Here are some of the best credit cards for domestic travel in India:   1. SBI Yatra Credit Card Key Features:   ●      Rs. 8250/- worth Yatra.com vouchers on joining. ●      Rs. 1,000 off on domestic flight bookings, minimum spend of Rs. 5,000. ●      20% off up to Rs. 2000 on domestic hotels on minimum spending of Rs. 3,000. ●      6 Reward Points = Rs. 100/- spend ●      Complimentary Air Accident cover of Rs. 50 lacs ●      Easy FlexiPay EMIs on Rs. 2500 spend or more. Joining Fee: Rs. 499/- + Applicable Charges.   2. Air India SBI Signature

It is not always rainbows when it comes to applying for a credit card. You might be attracted to getting a credit card because of the perks and benefits it has to offer. But managing a credit card comes with a handful of duties and care. Every time you make a transaction with a credit card you are charged a processing fee which is also known as credit card processing fees. Owning a credit card comes with major responsibilities as you will be required to pay all the charges and dues if you do not want to incur a high rate of interest on the outstanding balances. To make your credit card experience worthwhile you need to watch out and try to eliminate credit card processing fees by adopting certain healthy ways. Hereunder are three ways that you can consider: Educate yourself: You need to be thorough about the credit card processing fees. Gather all the information by reading articles or by visiting the credit card issuer’s office to get information about your credit card processing fee