Credit Cards Talk show by Vijay

Episode 12

Use entry-level credit cards that offer alluring rewards and cashback points if you're new to the world of credit cards and want to build a strong credit history and credit score. The SBI and Citi are two excellent entry-level credit cards. SimplyCLICK credit card and the American Express Smart Earn credit card For more information refer to: https://karannegii.wordpress.com/2022/09/15/sbi-simplyclick-vs-amex-smart-earn-credit-card/ [https://karannegii.wordpress.com/2022/09/15/sbi-simplyclick-vs-amex-smart-earn-credit-card/] SBI SimplyClick Credit Card SimplyCLICK Advantage SBI Credit Card is ideal for people who love to shop online. This SBI credit card offers multiple features and benefits that can be very beneficial for you if you regularly spend money online. Highlights of SBI SimplyCLICK Credit Card 10 times more reward points on online spends at partner websites 5 times more reward points on all online spends AMEX Smart Earn Credit Card The Amex SmartEarn Card has signed up with multiple brands and merchants which allows the users to get extra rewards and save big on their purchases. Basically its an entry-level card designed for the mass market segment. Fee & waiver requirement are quite attractive indeed. Highlights of SBI SimplyCLICK Credit Card 1 MR Point for every Rs.50 spend 10X Rewards fetches a Reward Rate of 5% to 10%

Benefits Of BPCL SBI Card OCTANE

BPCL SBI Card Octane is one of the best co-branded credit cards available in the market. It is a premium version of the previously launched co-branded BPCL SBI Card. With this card, you will get a 7.25% value back on fuel purchases at select Bharat Petroleum Gas stations.  The joining fee of the BPCL SBI Card OCTANE is Rs.1,499 and comes with an annual fee of Rs.1,499 as well. The State Bank of India charges an interest rate or finance charge of 3.5% per month. For more information refer to: https://cardinsider.wixsite.com/cardinsider/post/benefits-of-bpcl-sbi-card-octane [https://cardinsider.wixsite.com/cardinsider/post/benefits-of-bpcl-sbi-card-octane] Features of the BPCL SBI Card OCTANE Welcome benefits of 6,000 reward points. Get value-back benefits of up to 7.25% reward points on fuel purchases at BPCL petrol pumps. BPCL SBI Card OCTANE Limit The credit limit depends on various factors, such as credit score, annual income, repayment capacity and more. Therefore, you will get to know about your credit limit only after successful verification. Other Benefits Annual fee reversal on spending Rs. 2 lakh in a year. Complimentary fraud liability cover of Rs. 1 lakh.

Are Reward Credit Cards Worth It?

A rewards credit card is exactly what it sounds like: a credit card that rewards you for your purchases. Used responsibly, a rewards credit card can help you save money on everything from travel bookings to Amazon purchases. Every reward credit card is intended for a particular type of purchase. When determining which card is ideal for them, users must take their spending habits, the bank's rewards programme, and the card's overall appearance into account. For more information refer to: https://nayanmahorr.blogspot.com/2022/09/are-reward-credit-cards-worth-it.html [https://nayanmahorr.blogspot.com/2022/09/are-reward-credit-cards-worth-it.html] Following are the pros and cons of reward credit card: Pros Earn money, miles, or points for each transaction. Redeem points for things like airline reservations, statement credits, and credits for online shopping to save money. Many credit cards with incentives don't have annual fees. Cons You could be tempted to overspend in order to use up all of your incentives or sign-up bonuses. To save money, you must redeem your rewards, however certain redemption alternatives result in a lower value for your awards. Having strong or exceptional credit is a requirement for the top rewards cards, which may levy an annual fee.

5 Best Air-Miles Credit Cards

Accelerated travel rewards are provided by travel credit cards, along with extras like free lounge access, the ability to accrue air miles, and co-branded incentives with airlines and travel partners. Getting an airline credit card can be a wise decision if you travel frequently because it gives the finest air mile benefits. The top credit cards in India that have partnered with the best airlines are listed here, along with their salient features and added advantages. For more information read: https://cardinsider.quora.com/5-Best-Air-Miles-Credit-Cards [http:// https://cardinsider.quora.com/5-Best-Air-Miles-Credit-Cards] Citibank PremierMiles Credit Card: The Citibank PremierMiles Credit Card is among the greatest options available in India's credit card market for travel-related cards. If you frequently fly, this card is a great choice. For every Rs. 100 spent on flight reservations or on the bank's PremierMiles website, you receive 10 Miles. For every further transaction, you will receive 4 Miles. InterMiles HDFC Bank Signature Credit Card: One of the co-branded HDFC Bank credit cards that are issued in cooperation with intermiles.com is the InterMiles HDFC Bank Signature credit card. The card offers numerous more travel and dining incentives in addition to unique spend-based InterMiles offers. InterMiles HDFC Bank Diners Club Credit Card: After InterMiles HDFC Bank Signature Credit Card, InterMiles HDFC Bank Diners Club Credit Card, which was introduced in collaboration with intermiles.com, is the second intermiles credit card. With a Rs. 5,000 registration fee, it offers enticing welcome incentives including InterMiles Gold Membership, discount coupons for hotel and ticket reservations, and up to 20,000 extra intermiles.

Reasons To Get An American Express Credit Card

American Express Credit Cards provide personalized perks and rewards so that you get the best benefit from your spendings. An American Express Credit Card provides you with luxurious shopping, dining, travel and much more benefits. American Express Credit Card is a perfect way to handle your expenses which also enables you to experience a premium lifestyle that you need.  For more information refer to: https://karannegi2.blogspot.com/2022/09/reasons-to-get-american-express-credit.html Following are the reasons to apply for American Express Credit Card Lost Card Liability If you find a fraudulent transaction on your Card on account of it being lost or stolen, relax. Because, if you lose your Card, your liability is nil after reporting the loss, and is limited to a maximum of only Rs. 1,000 before reporting. Membership benefits Membership Program is a reward programme for American Express Credit Cardholders. Under this programme the more you spend, the more membership reward points you earn.  Contactless payment With your American Express Card, you can take advantage of the added benefit of Contactless payments. It's a convenient and secure way of paying for your purchase of less than Rs 2,000.