Credit cards Saving vs. Spending In India 2022.

Best credit card to earn kris flyer miles in India

Best credit card to earn kris flyer miles in India KrisFlyer is a frequent flyer program by Singapore airlines. Singapore Airlines has tied up with various card issuers so that the Reward Points earned on partner card issuer’s credit cards can be converted into KrisFlyer Miles. KrisFlyer Miles can be redeemed on Singapore Airlines’ own services and partner airlines which include all Star Alliance members, Virgin Australia, Virgin Atlantic, and a number of hotel chains and car-hire companies. Singapore Airlines’ partner card issuers in India include HDFC Bank, Citi Bank, American Express and HSBC Bank.  To know more about best credit cards for earning kris flyer miles, visit:  https://www.slideserve.com/kartik7/best-credit-cards-to-earn-krisflyer-miles-in-india2 [https://www.slideserve.com/kartik7/best-credit-cards-to-earn-krisflyer-miles-in-india2] In this article, we’ve covered those credit cards by these card issuers that offer some of the highest reward rates on conversion of Reward Points into KrisFlyer Miles. 1. HDFC Bank INFINIA Credit Card Metal Edition Infinia Credit Card earns you 5 Reward Points for every Rs. 150 spent which can be converted into AirMiles via net banking on one of partner airlines’ loyalty programs. Since Singapore Airlines is one of HDFC’s partners, you can convert the Reward Points earned on your HDFC Infinia Credit Card into KrisFlyer Miles. 100 Reward Points = 100 KrisFlyer Miles (1:1 conversion ratio), making the effective reward rate of HDFC Infinia Credit Card 3.3% (if Reward Points are redeemed against Air Miles). 2. HDFC Bank Diners Club Black Credit Card The Diners Club Black Credit Card by HDFC Bank is the second most premium offering by the bank after the Infinia Card. Unlike Infinia, although Diners Club Black Card is not invite-only, it does, however, come with quite strict eligibility criteria (minimum gross monthly income of Rs. 1.75 lakh) and a membership fee of Rs. 10,000 per annum. The reward rate of both Infinia and Diners Club Black Credit Cards is the same (5 Reward Points per Rs. 100 spent). The Reward Points earned can be converted into KrisFlyers Miles via net banking. 100 RP = 100 KrisFlyer Miles (conversion ratio 1:1). Thus the effective reward rate of Diners Club Black Credit Card also becomes 3.33% (same as Infinia).

How To Use The Credit Card Reward Points

How To Use The Credit Card Reward Points Having a rewards credit card comes with a lot of benefits. From being able to improve your credit score to being able to access money whenever and wherever you need it, the value of credit cards is huge. But, the most appealing benefit of a rewards credit card is earning rewards every time you shop. Most credit card companies award points based on the frequency of credit card use, attitude toward repayment, and other criteria as determined by the company. To know more about using rewards from credit cards, visit: https://cardinsider.mystrikingly.com/blog/how-to-use-the-credit-card-reward-points [https://cardinsider.mystrikingly.com/blog/how-to-use-the-credit-card-reward-points] Here are some ways to redeem your credit card reward points for shopping online. 1. Shop online If you’re looking for a discount on your next online shopping spree or even looking for some cash back, your credit card rewards points can provide both. Some credit card issuers let you use rewards points to pay for all or some a purchase at select online stores. 2. Get cash back Getting money deposited in your bank account or a statement credit is a great way to use your reward points. You can use the money to pay your bills, add to your savings balance, or reduce your credit card debt. You can also use the rewards to pay off part of your existing debt or move it into an account that pays you interest. 3. Redeem your reward points for gift cards Buying gift cards is an ideal way to use your credit card rewards. Gift cards give recipients value and flexibility. And many credit card companies join with retail stores to give you an extra perk when you redeem your points for a gift card. For example, redeeming 1000 ruppee worth of rewards or points for a gift card might get you another 1000 ruppee gift card instead. And some card issuers let you redeem smaller amounts of points for gift cards compared with the points required for larger reward items. So you can get a gift card for a larger monetary amount for fewer points. 4. Get discounts on airfare and hotels If you redeem your accumulated card rewards for travel, you can net hundreds of dollars in savings on airfare and hotel accommodations. The caveat is that travel-related rewards often require that you have a lot of points saved up. Travel rewards may also be subject to blackout dates, which may make this redemption option less desirable for some. But, if you’re willing to let your points add up and work around the blackout dates, you can get some great free travel. All you have to do is log into your online reward portal and get your discount.

Best health and wellness Credit cards

Best health and wellness Credit cards The COVID-19 pandemic has proved yet again that emergencies can occur at any time. Thus, having a health and wellness credit card can help you be prepared for such emergencies. Credit cards not only help with your finances but also offer additional benefits that can help you stay healthy during the pandemic and after.  To know more about Health and welness credit cards, visit https://www.slideserve.com/kartik7/best-health-and-wellness-credit-cards-in-india [https://www.slideserve.com/kartik7/best-health-and-wellness-credit-cards-in-india] Due to this, various banks and credit card companies have joined forces with various brands to offer co-branded health and wellness credit cards. Partnering up with companies such as Practo and Apollo, these credit cards come with a wide range of benefits for cardholders such as discounts on annual doctor checkups, complimentary fitness sessions, free video consultations with doctors, and more. Top Health and Wellness Credit Cards in India Yes Bank Wellness Credit Card offers 6 free fitness sessions, a Complimentary annual health check-ups, 20 reward points for every Rs 200 spent at pharmaceutical stores or chemists, and 4 reward points for every Rs 200 spent on other category expenses. Yes Bank Wellness Plus Credit Card offers Complimentary annual health check-ups, Complimentary annual dental and eye check-ups, Unlimited consultations with general practitioners, and nutritionists, 12 free fitness sessions, Upto 30 reward points for every Rs.200 spent at chemist or pharmaceutical stores, Domestic lounge access, On death due to a flight accident, get a life insurance cover up to Rs.1 crore. Apollo SBI card offers Complimentary OneApollo Gold Tier membership, 3X accelerated rewards for every Rs.100 that you spend on Apollo services, Fuel surcharge waiver.

Benefits of Having Kotak Mahindra Credit Cards

Benefits of Having Kotak Mahindra Credit Cards Kotak Mahindra Bank Offers a variety of benefits across its range of credit cards. More premium of a card you choose, the annual fee will be for the same will also be at a premium. These cards will have more benefits and features than your regular cards and will definitely cost more.  To know more benefits visit https://www.klusster.com/portfolios/karan-negi/contents/343064 [https://www.klusster.com/portfolios/karan-negi/contents/343064] Let’s get into the accumulated benefits and features of these cards: Welcome Benefits: On joining the card membership, you get tons of welcome benefits associated with the Kotak Mahindra Cards. These benefits can be of different types like complimentary premium memberships, gift vouchers, bonus reward points, accelerated cashback, and many more. You generally get these benefits after paying the joining fee or on achieving the stipulated milestone spend within a few initial months. Milestone Benefits: Milestone benefits are the benefits that are offered to you when you achieve a given minimum spend within a pre-specified time period, which is generally of one anniversary year. Similar to the welcome benefits, the milestone benefits can also be in the form of bonus rewards, accelerated cashback, and many more. Milestone Benefits: These benefits can be availed after the transactions you have made from your Kotak credit card have achieved a certain milestone set by the card company. These might include membership offers, OTT platform subscriptions, discount bonuses, gift vouchers, and many more. These benefits can also be in the form of cashback and rewards. Movie & Dining Benefits: The Kotak Bank also keeps the entertainment needs of its customers in mind and provides them with several benefits over the same. You can avail of complimentary movie tickets, great discount offers on movie and dining, and many more such privileges. Other Benefits: Along with providing exciting benefits over different categories, the Kotak Mahindra Cards also come with various extra advantages, including complimentary Golf games/lessons, insurance benefits, a fuel surcharge waiver, spend-based joining & annual fee waiver, and many more.

Your Guide To Different Types Of Credit Cards

Your Guide To Different Types Of Credit Cards Credit Cards are small sized plastic cards that can make life very simple. These cards allow you to purchase goods and services on credit, the money for which you can return at the end of every month. You can choose to pay the full amount of credit that you have borrowed from your credit card issuer or a minimum fixed amount every month. In case you pay only the minimum amount, remember that you will be charged an interest on your outstanding balance. There is a credit limit set for you by your card provider. To know more about credit cards visit: https://cardinsider.my-free.website/blog/post/1985476/your-guide-to-different-types-of-credit-cards [https://cardinsider.my-free.website/blog/post/1985476/your-guide-to-different-types-of-credit-cards] There are many banks in India that provide different types of credit cards. The cards are divided based on the rewards and benefits they offer and the income and spend requirements of the applicants. Customers can choose any credit card that helps them avail a lot of benefits and is an ideal match for their requirements. For example – If you travel a lot, then a travel card is best for you as it can help you earn air miles, access airport lounges, etc. In India, credit cards are offered in collaboration with the following payment networks - Visa, MasterCard, American Express, Diner’s Club, etc. The Different Categories of Credit Cards are Contactless Credit Cards Credit cards for Women Contactless Credit Cards Contactless credit cards are equipped with a unique payment technology that allow cardholders to make payments by simply tapping their cards at POS terminals. These contactless transactions do not require the customers to enter any PIN number to make purchases and are extremely secure. These cards offer several benefits such as discounts, cash rewards, entertainment benefits, reward points, welcome gift, lounge access, concierge service, insurance policy, etc. Credit cards for Women To ensure their female customers get the maximum benefits, some banks have introduced credit cards that are exclusively designed for women. These Women credit cards mainly focus on shopping rewards and cashback offers. Apart from this, cardholders can get bonus reward points, fuel surcharge waiver, insurance, etc. They can also earn reward points when they make purchases using their credit cards. There are few credit cards for women that offer amazing travel benefits. Some of the popular credit cards for women are: HDFC Bank Solitaire - Premium Women's Credit Card Kotak Mahindra Bank Silk Inspire Credit Card Citibank Rewards Credit Card