Currently, there are so many credit card providers in our country that individuals may feel confused when it comes to choosing the right card for themselves. Among the financial institutions that provide credit cards to customers, Citibank holds a prominent place among customers due to its cards for varying needs of customers. Among all credit cards, Prestige Citibank credit card is one of the most popular credit cards among customers. This credit card provides an exciting range of features across different categories like shopping, travel & stay, financial flexibility, etc. Before going any further, let’s look at some of the key features of Prestige Citibank credit card so that you can have an idea about it. Please check!
In this article, we will be telling you about the features of the Citibank credit card in detail so that you can understand them better. Keep reading to know more! Key Features of the Citibank Credit Card that You Should Know As we said earlier individuals can enjoy a host of special features that we are going to mention below. Please check! Welcome Gifts One of the most exciting features of the Prestige Citibank credit card is the welcome gift that individuals can enjoy with the same. This card from Citibank provides a welcome gift of 2,500 bonus reward points and benefits worth INR 10,000 from Taj Group or ITC Hotels, that too, every year. Do remember that only primary cardholders will be eligible for this benefit. The cardholder should make the first transaction within the first 60 days of card issuance or 60 days from the membership renewal date in case of a renewed card. Reward Points With the Prestige Citibank credit card, individuals can also enjoy reward points on their spendings. With your card, when you spend INR 100 on domestic spending, you will earn 1 reward point, while when you spend INR 100 on international spending, you will get 2 reward points. Do you know what is the best thing about the reward points on this credit card from Citibank? Well, these points will never expire so you can keep earning them and redeem them whenever required according to your convenience. Additional Benefits Other than the benefits mentioned above, individuals can enjoy features like complimentary night stay on booking a minimum consecutive four-night stay at any hotel or resort, privileged golf round & lessons at select golf courses in India, priority pass benefits for both primary and add-on cardholders, etc. If you want to spend some high-cost things with your credit card, you don’t need to worry as you can turn your big purchasers into small EMIs that you can pay over a period. Joining and Annual Fees The joining fees for the Prestige Citibank credit card stand at INR 20,000 plus GST. After paying the joining fees and making the first transaction within 60 days of card issuance, you will also get welcome benefits worth INR 2,500. However, there is an important thing that you need to remember that any individual who is earning below INR 25 lakh per year cannot opt for this card. The most important eligibility criteria that an individual needs to fulfill is a minimum annual income of INR 25 lakh. Also, he or she should be 21 or older. To get this Citibank credit card, you will also need to provide a few documents depending on your employment type (salaried or self-employed).
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You must have hundreds of credit card options in the market, but you can find the right one at the Bank of India. Today in this post we will discuss the benefits of the Bank of India credit card, and how they will help us manage our day to day expenses with an advantage of rewards cashback and more, so read on to know further about the Bank of India credit card.
What Benefits Do you Get From the Bank of India Credit Card? If you are looking for a card that can be used worldwide, Bank of India has a variety of options for you. Take a look at the list of benefits available on the Bank of India credit card.
Which are the Popular Bank of India Credit Cards? The following are the listed Bank of India credit cards which are popular among the customers:- Rupay Platinum Credit Card
Visa Gold International
Visa Platinum International
Now you know everything about the Bank of India credit card benefits, so apply for them either online or offline. When we talk about the top popular banking products in the market, the credit card comes among the top ones among customers.
But choosing the right credit card can be a crucial task in an individual’s life. The reason is the efficiency of the credit card as it lets customers pay for the purchases without cash. For example, if you want to buy something but don’t have the required money, for now, you can buy it with a credit card. American Express Credit Card is one of the popular credit cards among the customers. The reason behind its popularity cannot be summed in one word. In fact, there are several reasons that make an American Express Credit card so popular among customers. Some of them are Flexibility in payments, EMI Conversion of Big Purchases, Building your credit history, etc. American Express offers different types of credit cards to customers and that’s why it is important to choose the right credit card for you. In this article, we will tell you about how to choose a suitable American Express Credit Card so that you can enjoy all the amazing benefits of it. We are showing some of the methods by which you can choose the right credit card for you. Have a look. Checking the Credit Limit Every credit card has a predefined limit on your credit card that tends to vary from one card to another. Before choosing the right American Express Credit Card, it is important to know your card limit so that you can keep your overall balances under control. If you keep your credit utilization ratio below 50%, lenders see it as a creditworthy behavior and your credit score affects positively by this. Also, if you don’t want to go beyond the predefined credit limit, make sure to do regular payments of your credit card on or before the due date. Check the Credit Card Fees American Express asks for a fixed joining and annual fee on its card that varies according to the type of card you are going to choose. Other than this, American Express also provides several milestone benefits with which you can get your annual or joining fee waived off. So, if you cannot afford a card with high cost, look for one that can give you such offers. Credit Card Interest Rates It’s also important to check the interest rates that your credit card charges on the transaction made by you. Usually, every credit card offers an interest-free period that ranges from 30 to 50 days. If you will not pay the dues on or before the due date, the American Express Credit card will get charged with a certain interest rate. Spending Habits An American Express Credit Card can provide offers to customers in several categories such as Travel, Entertainment, Shopping, Movies, Dining, etc. So, when you are looking for the right card for you, it is important to choose a card that can complement your lifestyle. For example, if you are someone who loves to shop but chooses a credit card that provides offers on Movies, it will be of no use to you. So, always choose an American Express Credit Card that suits your spending habits. You can make your dining experience a lot better by using the best dining credit cards in India. These cards help you get special discount offers on selected restaurants. In order to reduce those hefty bills, there are banks which offer attractive discounts, cashbacks and deals on the credit cards that can save you a lot of money. Read the article to know about the best dining credit cards in India.
HDFC Regalia Credit Card Zomato Gold Membership for a 1 year on your HDFC Regalia Credit Card which provides you a complimentary dish whenever you visit a Gold food partner restaurant. Or you can get up to 2 complimentary drinks on your visit to Gold drinks partner restaurant. To this complimentary membership benefit you need to spend at least INR 75,000 within 3 months of your card card activation. You can experience the Good Food Trail dining program with the best dining credit cards in India at premium restaurants. To get this credit card, you need to pay an annual fee of INR 2,500+GST. And you can later renew the HDFC Regalia credit card benefits by paying a renewal fee of INR 2,500+GST. Kotak Delight Platinum Credit Card Avail up to 10% Cash-Back on dining using Kotak Delight Platinum Credit Card. Spend a minimum INR 10,000 on categories other than dining or entertainment within the statement cycle to avail the 10% cash-back on dining every month. You can use the Kotak Delight Platinum Credit Card benefits anywhere: Coffee Shops, Fast food joints, Pizza joint, Pubs, Restaurants 365 Days. For dining and movie transactions up to INR 4000 on Kotak Delight Platinum Credit Card, you can get a cash-back. The cash-back for a particular billing cycle is credited in the next billing cycle. To get this cash-back benefit you need to make transactions at the restaurants under Merchant Category Code (MCC) as defined by VISA. This best dining credit card in India can be availed at an affordable price of 1,999 joining fee. To renew the benefits pay an annual fee of INR 299+GST. Axis My Zone Credit Card Axis Bank dining delights offers you up to 20% discount on partnered restaurants on your Axis My Zone Credit Card payment. With the EMV chip credit card you can make transactions securely without any trouble. And if you spent INR 30,000 calendar quarter you are eligible to get 10,000 EDGE REWARD points. To have one of these best dining credit cards in India you need to pay INR 500, which can be waived if you spend INR 5,000 within 45 days of the credit card activation. ICICI Bank Rubyx Credit Card The finest dining experiences are provided with ICICI Bank Rubyx Credit Card. Now you can save on your dining offers with ICICI Bank Culinary Treats Programme. To avail its benefit you need to do payment with your card while settling the bill to avail the applicable discount. You can now find the nearby partnered restaurants just download the ICICI Bank Culinary Treats mobile app from Apple or Google Play store. To use its benefits you need to pay a one time joining fee of INR 3,000+GST. Credit Cards have been one of the most popular banking products among the customers. There are several banks and financial institutions that provide a wide range of credit cards to individuals. With the credit cards in their pocket, individuals can earn reward points on their spendings and cashback offers on several categories such as entertainment, shopping, dining, etc. But there is one thing that is pretty important when you are choosing a suitable credit card for you. This is known as the Credit Card Eligibility as it will decide whether you will be eligible for the credit card you want or not.
There are several factors that define your credit card eligibility and these factors tend to change from one lender to another. Some of these factors are your monthly income, employment type, employment stability, credit score, etc. Before providing you the card, a lender checks your eligibility criteria as this is the only thing that will determine your candidature. In this article, we will be telling you about all the features that affect your credit card eligibility so that you can understand it in a better way. Other than this, we will also be telling you about the credit card payment so that you can know the importance of it. So, keep reading! We are showing you all the factors affecting credit card eligibility one after another below. Have a look! Monthly Income:- When you opt for a credit card and spend with your card, you need to make the credit card payment of the bill within the due date. If you fail to make the payment within the due date, your credit score can get affected and you may also have to pay the penalty and late charges for it. So, to ensure you will pay your credit card bill on time, lenders check your monthly income strictly as you will be paying your bill from this only. So an individual with a higher monthly income will have a higher repayment capacity as compared to an individual who has a low monthly income. Apart from this, your credit limit will also depend on the monthly income of an individual. Employment Type:- Both salaried and self-employed individuals can opt for a credit card but your employment type also plays a crucial role in determining credit card eligibility. When we talk about the salaried individuals, there is a certainty about the monthly income, that’s why lenders prefer to provide the credit cards to salaried individuals as compared to self-employed individuals who can have highs and lows in their business. Existing Debts (Loan EMIs):- Your credit card eligibility can also affect if you have huge existing obligations such as EMIs of personal loan, car loan, etc. When you Let’s understand this how. When you have existing debt, a part of your monthly income must be going towards the monthly installments and you have a lesser repayment capacity as compared to an individual who has no debt to pay. That’s why lenders check if an individual has any debt and then decide if the individual is worthy to get a credit card or not. Credit Score:- Your credit card eligibility also depends on your credit score. It is a three-digit number ranging from 300 to 900 that defines your creditworthiness and repayment behavior. If you have a good credit score which is considered to be 700 or above, lenders are more likely to provide you a credit card with some amazing benefits and offers. If you are starting your financial journey and don’t have a credit score now, you must do your credit card payment on time so your score can build gradually. You can earn exciting reward points from your HDFC Money Back Credit Card and can convert it into cash. 100 points are equal to INR 20, so collect more to save more. On every INR 150 payment, you can earn a reward point and if you reach a spending limit you can get an E-voucher of the partnered brand. Read this article and know more about HDFC Money Back Credit Card offers on your payment.
When do I earn a reward on my HDFC Money Back Credit Card? Whenever you pay or buy something using your credit card whose value is INR 150 or above you can earn 2 reward points. The customer can twice the benefit on their online purchases and payment. So do the utility payment with your HDFC Money Back Credit Card, and save more from it. With effect from 15th July 2020, all the HDFC Money Back Credit Card users can earn up to 500 reward points each statement cycle on online spends, under the 2X Reward Point feature. Rewards Redemption To redeem the HDFC Money Back Credit Card reward points you can choose from MyRewards catalog and redeem the points against exciting gifts. Visit the HDFC Bank website log in to your account with your credit card number and password. If you want to convert the points into cash you are required to apply for a minimum amount of INR 500. Fee & Charges HDFC Bank provides you the HDFC Money Back Credit Card at a joining fee of INR 500+GST. With the card purchase, you are eligible for a 50 days interest-free period on your credit card spendings. And if you spend INR 50,000 in a financial year from your HDFC Money Back Credit Card the annual fee would be waived. You can also get worth INR 500 E-voucher if you have spent INR 50,000 in 6 months. Saving on Fuel The credit card not only saves on your daily payment but it also gives benefit on your fuel refilling with a 100% fuel surcharge waiver on it. Using this feature of your HDFC Money Back Credit Card, you can save up to INR 250 every statement cycle. Safety in Payment The HDFC Money Back Credit Card is secured with the EMV chip technology, and when it is lost or stolen you get zero liability on the report immediately. Apply for HDFC Money Back Credit Card You can apply for the credit card if you are salaried or self-employed and aged between 21 to 65 years. Visit the HDFC Bank website, select credit cards from the products and choose ‘HDFC Money Back Credit Card’. Fill up the credit card application form and submit it with your ID and income details. Your credit card request will be approved within 7 days, and to track its status you can use the unique reference number that is provided to you by the bank. So, get the HDFC Money Back Credit Card and solve your payment issues with it. The easy money for the customers who finds it handy to manage their spends cashless and full of rewards. Having a plethora of credit card options must have confused you and you do not know which one to select. Don’t worry, Citibank credit cards have a wide range and you can choose the card as per your need. Here are some of the basic things you will need to consider to choose a credit card. Read this article and know about them.
The 3 Aspects which helps you choose a credit card Your Monthly Expenditure:- On what you spend? How much do you spend? Are the first question which helps in deciding your credit card. If you spend more on travel then you need a travel card, and if you are addicted to shopping then you should choose a reward credit card which saves on your purchases. Interest rates:- You can choose the Citibank credit card as it offers an attractive interest rate over your used limit. And customers can also convert high purchases into EMI by which they can pay the credit card bill on installments. Annual and renewal charges:- Always check the annual and renewal fee of your credit card to make sure it comes in handy and can be paid every year without any hassle. Because a high annual fee can put you in doubt whether the card is affordable to you or not which may not happen in case of Citibank credit cards. Types of Citibank Credit Card Travel cards:- Do you travel often? Then choose credit cards that are specially designed to help travellers which come with discounts in flying hotels and airport lounges. And not only this you’ll also earn air miles on your spending which can be used later. One such card is the Citi PremierMiles credit card that offers you a welcome gift of 10,000 air miles. The joining or annual fee is charged for this Citibank credit card at the time of sourcing. And on card renewal you can get up to 3,00 bonus miles. The air miles come with no expiry and can be used anytime. For every INR 100 spend on store or online e-commerce sites you’ll earn 4 miles. Citibank charges Foreign currency fee on your international transactions which is 3.5%, and for the late payment of your credit card bills the charges would be INR 100 if your statement balance is above INR 1,000. Shopping cards:- There are 2 types of shopping cards one is with cashback and other with reward features. If you need a credit card for your daily expenses then use Citibank Rewards Credit Card which provides reward benefits on every single purchase. And the points you earn will be evergreen as they don’t expire and can be claimed against top brands discount vouchers, etc. For every INR 125 purchase you can earn a minimum of 1 reward point. Earn up 10X reward points at your online, physical department, or apparel stores purchase. Also a bonus reward point of 300 will be credited when you shop more than INR 30,000 a month. Fuel cards:- Some fuel cards are also there for you by which you can save on the fuel refilling to control your monthly budget. As per the hike in petrol or diesel it will become difficult for you to manage their spends. Don’t worry with the Citibank Indian Oil Credit Card you can save on your fuel spends. 1 Turbo point on INR 150 or above spent at Indian Oil outlets. And the points can be earned for everyday purchases as well like 2 Turbo points for groceries and departmental store purchases and 1 Turbo point for others. 1 Turbo point is equivalent to INR 1 and if you make your first purchase within 30 days of the card activation then you are eligible to get 250 Bonus Turbo points. Card holders can save a maximum of 71 litres fuel purchase using their Citibank credit card. So, choose your credit card as per your need from Citibank. Having a credit card in today’s age is no big thing as there are so many banks and financial institutions that provide a range of amazing credit cards. However, having an American Express Credit Card in your pocket is considered to be an amazing thing. Why? Because of the amazing privileges, this card provides to customers, that too, across categories such as Shopping, Dining, Travel, Entertainment and more. American Express provides a whole range of credit cards from which you can choose the most suitable one for you according to your spending habits and convenience.
The most special thing about an American Express Credit Card is it adds value to your credit card investment by giving you some amazing lifestyle benefits. Some of them are dining, retail offers, wellness (Spa). There will be some offers which will be tailor-made only for you. In this article, we will be telling you about the American Express SmartEarn Credit Card that provides you some excellent offers on categories like Travel, Online Shopping, Entertainment, etc. So, if you are someone who is looking to opt for a credit card and want to know why an American Express Credit Card is so popular among the customers. Keep reading to know more! Highlights of the American Express SmartEarn Credit Card Here are some of the amazing features and benefits that you can avail by American Express Credit card. Have a look at them below. Welcome Benefits As soon as you get an AMEX credit card in your hands, you will be eligible to get the cashback worth INR 500 as the welcome gift. But to get this, you will need to do one thing - you will have to spend INR 10,000 within 90 days of the date you got your credit card. Accelerated Reward Points
Joining and Annual Fees To get this American Express Credit Card, you will need to pay INR 495 plus applicable GST Charges as the joining fee and this will be charged every year after the first year as the renewal fee. If you want to waive off your renewal fee, you will only need to spend INR 40,000 or more in a year with your credit card. What is the Eligibility to Get American Express SmartEarn Credit Card? There are a few conditions that you need to meet if you want to have an American Express Credit Card in your pocket. All of them are mentioned below.
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