Best credit card to earn kris flyer miles in IndiaKrisFlyer 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: <a href="https://www.slideserve.com/kartik7/best-credit-cards-to-earn-krisflyer-miles-in-india2" target="_blank">https://www.slideserve.com/kartik7/best-credit-cards-to-earn-krisflyer-miles-in-india2</a> 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 EditionInfinia 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 CardThe 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).

Best credit card to earn kris flyer miles in IndiaKrisFlyer 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-india2In 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 EditionInfinia 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 CardThe 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).

Credit cards Saving vs. Spending In India 2022.

Best credit card to earn kris flyer miles in India

How To Use The Credit Card Reward PointsHaving 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: <a href="https://cardinsider.mystrikingly.com/blog/how-to-use-the-credit-card-reward-points" target="_blank">https://cardinsider.mystrikingly.com/blog/how-to-use-the-credit-card-reward-points</a> Here are some ways to redeem your credit card reward points for shopping online. 1. Shop onlineIf 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 backGetting 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 cardsBuying 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 hotelsIf 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.

How To Use The Credit Card Reward PointsHaving 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-pointsHere are some ways to redeem your credit card reward points for shopping online.1. Shop onlineIf 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 backGetting 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 cardsBuying 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 hotelsIf 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.

How To Use The Credit Card Reward Points

Best health and wellness Credit cardsThe 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 <a href="https://www.slideserve.com/kartik7/best-health-and-wellness-credit-cards-in-india" target="_blank">https://www.slideserve.com/kartik7/best-health-and-wellness-credit-cards-in-india</a> 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.

Best health and wellness Credit cardsThe 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-indiaDue 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 IndiaYes 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.   

Best health and wellness Credit cards

Benefits of Having Kotak Mahindra Credit CardsKotak 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 <a href="https://www.klusster.com/portfolios/karan-negi/contents/343064" target="_blank">https://www.klusster.com/portfolios/karan-negi/contents/343064</a> 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.

Benefits of Having Kotak Mahindra Credit CardsKotak 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/343064Let’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.

Benefits of Having Kotak Mahindra Credit Cards

Your Guide To Different Types Of Credit CardsCredit 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: <a href="https://cardinsider.my-free.website/blog/post/1985476/your-guide-to-different-types-of-credit-cards" target="_blank">https://cardinsider.my-free.website/blog/post/1985476/your-guide-to-different-types-of-credit-cards</a> 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

Your Guide To Different Types Of Credit CardsCredit 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-cardsThere 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 areContactless Credit CardsCredit cards for WomenContactless Credit CardsContactless 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 WomenTo 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 CardKotak Mahindra Bank Silk Inspire Credit CardCitibank Rewards Credit Card

Your Guide To Different Types Of Credit Cards

A credit card with an annual fee is worth it because it offers higher rewards and if you can make the best usage to get those benefits. But sometimes, credit cards with zero joining or annual fees would be better in terms of long-term value. With each lifetime-free credit card, we have also suggested an alternative card with similar but better features and charges a nominal annual fee, to help you choose the best credit card. If you make smart use of these benefits,  they would outweigh the nominal fee you pay. For more detailed information visit: <a href="https://www.slideserve.com/kartik7/lifetime-free-credit-cards" target="_blank">https://www.slideserve.com/kartik7/lifetime-free-credit-cards</a> Here are some of the best lifetime free credit cards: <ul><li>Amazon PAY ICICI credit card benefits in Co-branded Benefits</li></ul> <ul><li>IDFC First Select Credit Card benefits in Rewards and Online Shopping</li></ul> <ul><li>HSBC Visa Platinum Credit Card benefits in Movies and Rewards</li></ul> <ul><li>Bank of Baroda Prime Credit Card benefits in Cashback </li></ul> <ul><li>RBL Insignia Preferred Banking World Credit Card benefits in Premium Privileges</li></ul> If lifetime free Credit Cards come without charges, how do banks earn money from the service? A major portion of Credit Card revenue for banks comes from merchant fees – when you buy a product using a Credit Card, a percentage of its value goes to the card-issuing bank. So, yes, a Credit Card can be free if you use it smartly.

A credit card with an annual fee is worth it because it offers higher rewards and if you can make the best usage to get those benefits. But sometimes, credit cards with zero joining or annual fees would be better in terms of long-term value. With each lifetime-free credit card, we have also suggested an alternative card with similar but better features and charges a nominal annual fee, to help you choose the best credit card. If you make smart use of these benefits,  they would outweigh the nominal fee you pay.For more detailed information visit: https://www.slideserve.com/kartik7/lifetime-free-credit-cardsHere are some of the best lifetime free credit cards:Amazon PAY ICICI credit card benefits in Co-branded BenefitsIDFC First Select Credit Card benefits in Rewards and Online ShoppingHSBC Visa Platinum Credit Card benefits in Movies and RewardsBank of Baroda Prime Credit Card benefits in Cashback RBL Insignia Preferred Banking World Credit Card benefits in Premium PrivilegesIf lifetime free Credit Cards come without charges, how do banks earn money from the service? A major portion of Credit Card revenue for banks comes from merchant fees – when you buy a product using a Credit Card, a percentage of its value goes to the card-issuing bank.So, yes, a Credit Card can be free if you use it smartly.

BEST LIFETIME FREE CREDIT CARDS IN INDIA

The IDBI credit card has a basket of benefits and features that are designed to make you a happy customer. Firstly, the card is secured with the EMV chip and PIN enabled feature provides you peace of mind against fraud. You will be a part of an attractive loyalty rewards programme, use your card all over the world, get add on cards, earn cashback and much more. Customers can choose a variety of cards.TO know more About IDFC Credit Cards visit, <a href="https://issuu.com/kartik745/docs/best_idbi_credit_cards.pptx" target="_blank">https://issuu.com/kartik745/docs/best_idbi_credit_cards.pptx</a>IDBI Bank’s four credit cards cater to different categories including travel, shopping, reward points, and luxurious privileges.&nbsp; IDBI Bank is prepping for the launch of a co-branded credit card with the Life Insurance Corporation (LIC). LIC is also one of the largest shareholders of the bank. The bank will be joining with the LIC Card Services which is a wholly owned subsidiary of the insurance giant. This move will be considered as a part of their strategy to work on the synergies between the 2 organisations. This comes after the Life Insurance Corporation of India has acquired the majority of stakes in the bank back in 2019. To apply for IDBI Bank credit card, you can on the bank’s website or you can visit the nearest IDBI Bank branch. The bank officials will guide you with the credit card application process. On submitting the required documents, the bank will process your application further and will dispatch the card to the mentioned address, if approved

The IDBI credit card has a basket of benefits and features that are designed to make you a happy customer. Firstly, the card is secured with the EMV chip and PIN enabled feature provides you peace of mind against fraud. You will be a part of an attractive loyalty rewards programme, use your card all over the world, get add on cards, earn cashback and much more. Customers can choose a variety of cards.TO know more About IDFC Credit Cards visit, https://issuu.com/kartik745/docs/best_idbi_credit_cards.pptxIDBI Bank’s four credit cards cater to different categories including travel, shopping, reward points, and luxurious privileges.&nbsp;IDBI Bank is prepping for the launch of a co-branded credit card with the Life Insurance Corporation (LIC). LIC is also one of the largest shareholders of the bank. The bank will be joining with the LIC Card Services which is a wholly owned subsidiary of the insurance giant.This move will be considered as a part of their strategy to work on the synergies between the 2 organisations. This comes after the Life Insurance Corporation of India has acquired the majority of stakes in the bank back in 2019.To apply for IDBI Bank credit card, you can on the bank’s website or you can visit the nearest IDBI Bank branch. The bank officials will guide you with the credit card application process. On submitting the required documents, the bank will process your application further and will dispatch the card to the mentioned address, if approved

Best IDBI Bank Credit cards in india 2022

Your credit utilization rate, also known as your debt-to-credit ratio, is an important factor that helps determine your credit score.Read more about Credit card balance utilization at https://nayanmahorr.blogspot.com/2022/08/how-much-of-the-credit-card-balance-should-i-use.html Shown as a percentage, it represents how much credit you use compared to how much you have available to you.Before approving your credit application, lenders and creditors also look at your utilization rate to determine how much of a risk you are. A high utilization indicates that you could be a subprime borrower who may have trouble paying back a loan or credit card bill because you already have a lot of debt, whereas a low utilization rate illustrates you’re able to manage credit responsibly. No matter where your credit utilization rate stacks up against the average, know that the magic to a healthy utilization ratio is maintaining a low credit card balance and a high credit limit. The closer you can get to having a single-digit utilization, the better. Prioritize paying down your balances and once you’ve made a dent in your debt, you could consider asking for a credit limit increase.

Your credit utilization rate, also known as your debt-to-credit ratio, is an important factor that helps determine your credit score.Read more about Credit card balance utilization at https://nayanmahorr.blogspot.com/2022/08/how-much-of-the-credit-card-balance-should-i-use.html Shown as a percentage, it represents how much credit you use compared to how much you have available to you.Before approving your credit application, lenders and creditors also look at your utilization rate to determine how much of a risk you are. A high utilization indicates that you could be a subprime borrower who may have trouble paying back a loan or credit card bill because you already have a lot of debt, whereas a low utilization rate illustrates you’re able to manage credit responsibly.No matter where your credit utilization rate stacks up against the average, know that the magic to a healthy utilization ratio is maintaining a low credit card balance and a high credit limit. The closer you can get to having a single-digit utilization, the better. Prioritize paying down your balances and once you’ve made a dent in your debt, you could consider asking for a credit limit increase.

How Much of The Credit Card Balance Should I Use?

SBI Simply Save Credit Card rewards users for purchases made towards dining, movies, departmental stores  grocery spends. Users also get fuel surcharge waiver and more benefits.Click on the link to know about sbi simply save credit card: <a href="https://cardinsider.bcz.com/2022/07/29/what-are-the-pros-and-cons-of-the-sbi-simplysave-credit-card/" target="_blank">https://cardinsider.bcz.com/2022/07/29/what-are-the-pros-and-cons-of-the-sbi-simplysave-credit-card/</a> Pros of getting the SBI Simply Save Credit Card Exclusive benefits towards various segments like movies, dining and at departmental stores. You can earn 10 reward points for every 100 rupees spent on dining, movies and at departmental or grocery stores. You can earn 1 reward point for every 100 rupees spent on all other transactions, and 4 reward points are equal to one rupee.  Cons of getting the SBI Simply Save Credit Card There are not many disadvantages to getting this card. Except that, you have an over-limit fee of 2.5% of the total over-limit amount. The conversion mark-up for foreign currency transactions is 3.5%, and you also have to pay Rs.99 to redeem your reward points.

SBI Simply Save Credit Card rewards users for purchases made towards dining, movies, departmental stores  grocery spends. Users also get fuel surcharge waiver and more benefits.Click on the link to know about sbi simply save credit card: https://cardinsider.bcz.com/2022/07/29/what-are-the-pros-and-cons-of-the-sbi-simplysave-credit-card/Pros of getting the SBI Simply Save Credit CardExclusive benefits towards various segments like movies, dining and at departmental stores. You can earn 10 reward points for every 100 rupees spent on dining, movies and at departmental or grocery stores. You can earn 1 reward point for every 100 rupees spent on all other transactions, and 4 reward points are equal to one rupee.  Cons of getting the SBI Simply Save Credit CardThere are not many disadvantages to getting this card. Except that, you have an over-limit fee of 2.5% of the total over-limit amount. The conversion mark-up for foreign currency transactions is 3.5%, and you also have to pay Rs.99 to redeem your reward points.

What Are The Pros And Cons Of The SBI SimplySAVE Credit Card?

If you tell your father or grandfather that you are thinking of paying the rent using a credit card, they might lecture you or totally freak out. As for years, they have paid the rent either through cash or NetBanking.But the world is evolving and you need to as well!. Also, there are many online platforms that allow you to pay the rent online using a credit card at the cheapest rates.These platforms ensure that your rent-paying experience is not only simple and convenient, but you also get to enjoy a host of benefits. Click on the link to know more about the latest offers on rent payments via credit cards: <a href="https://anynote.co/post/39869_if-you-are-searching-for-the-latest-offers-on-rent-payments-via-credit-cards-the.html" target="_blank">https://anynote.co/post/39869_if-you-are-searching-for-the-latest-offers-on-rent-payments-via-credit-cards-the.html</a> Why Should You Pay Rent Using a Credit Card? Let us first understand why it is beneficial for you to pay rent using a credit card: 1. Earn Reward Points: Unlike cash transactions, paying rent using credit cards can buy you reward points that can be redeemed to get discounts on future purchases or bookings from renowned brands. For example, Magicbricks is one platform that offers reward points and exclusive offers to make rent payments using credit cards. 2. Free Credit Period: When you pay rent using a credit card, you get 45 days of the free credit period. Therefore, if you pay your credit card bill within these 45 days, you won’t have to pay any interest charges. 3. Timely Payments: Let’s assume, your rent is due on the first of every month but your salary is credited on the 5th or 6th. In such a case, you won’t have to go through the embarrassment of convincing your landlord regarding delayed payment if you pay the rent using a credit card. Also, you can pay the credit card bill with a free credit period of 45 days to avoid interest on your rent payment 4. Boost your Credit Score: If your credit score is on the lower side (below 750), you can improve it (to 750 or above) by frequently making large transactions (like rent). For those who don’t know, a credit score is taken into consideration by banks or NBFCs before deciding if an individual is eligible for a loan. However, it is advisable not to go above 30% of your credit utilization ratio as it can impact your credit score negatively. 5. Minimum Formalities: All the platforms that allow you to pay rent using credit cards ensure to make your rent payment process seamless by offering cutting-edge technology. Also, you just need to fill in your landlord’s details just ones and then you can automate the rent transaction (if your credit card issuer allows) for the rest of the year. 6. Meet the Annual Spending Limit: A lot of users who own a credit card face the issue of not meeting the annual spending limit of their credit card. However, by paying rent using a credit card every month, you will be easily able to meet your annual spending limit.

If you tell your father or grandfather that you are thinking of paying the rent using a credit card, they might lecture you or totally freak out. As for years, they have paid the rent either through cash or NetBanking.But the world is evolving and you need to as well!. Also, there are many online platforms that allow you to pay the rent online using a credit card at the cheapest rates.These platforms ensure that your rent-paying experience is not only simple and convenient, but you also get to enjoy a host of benefits.Click on the link to know more about the latest offers on rent payments via credit cards: https://anynote.co/post/39869_if-you-are-searching-for-the-latest-offers-on-rent-payments-via-credit-cards-the.htmlWhy Should You Pay Rent Using a Credit Card?Let us first understand why it is beneficial for you to pay rent using a credit card:1. Earn Reward Points: Unlike cash transactions, paying rent using credit cards can buy you reward points that can be redeemed to get discounts on future purchases or bookings from renowned brands. For example, Magicbricks is one platform that offers reward points and exclusive offers to make rent payments using credit cards.2. Free Credit Period: When you pay rent using a credit card, you get 45 days of the free credit period. Therefore, if you pay your credit card bill within these 45 days, you won’t have to pay any interest charges.3. Timely Payments: Let’s assume, your rent is due on the first of every month but your salary is credited on the 5th or 6th. In such a case, you won’t have to go through the embarrassment of convincing your landlord regarding delayed payment if you pay the rent using a credit card. Also, you can pay the credit card bill with a free credit period of 45 days to avoid interest on your rent payment4. Boost your Credit Score: If your credit score is on the lower side (below 750), you can improve it (to 750 or above) by frequently making large transactions (like rent). For those who don’t know, a credit score is taken into consideration by banks or NBFCs before deciding if an individual is eligible for a loan. However, it is advisable not to go above 30% of your credit utilization ratio as it can impact your credit score negatively.5. Minimum Formalities: All the platforms that allow you to pay rent using credit cards ensure to make your rent payment process seamless by offering cutting-edge technology. Also, you just need to fill in your landlord’s details just ones and then you can automate the rent transaction (if your credit card issuer allows) for the rest of the year.6. Meet the Annual Spending Limit: A lot of users who own a credit card face the issue of not meeting the annual spending limit of their credit card. However, by paying rent using a credit card every month, you will be easily able to meet your annual spending limit.

latest offers on rent payments via credit cards?

There are many credit card companies that will offer you cash back rewards for credit card purchases that are made using your card. For a lot of those companies, if you use the credit card as a debit card you will miss out on some of those rewards and also have to pay transaction fees.The credit card companies encourage the use of non-pin transactions because it helps to fight against and prevent fraud. If you are asked to enter a pin number for your purchase, then you can be certain that the purchase is being counted as a debit card transaction instead of a credit card transaction, since credit card transactions do not require pin numbers. Click on the link to know more about the credit cards without a Pin: <a href="http:// https://anynote.co/post/40681_if-you-are-searching-to-use-credit-card-without-a-pin-then-just-click-on-the-lin.html" target="_blank"> https://anynote.co/post/40681_if-you-are-searching-to-use-credit-card-without-a-pin-then-just-click-on-the-lin.html</a>

There are many credit card companies that will offer you cash back rewards for credit card purchases that are made using your card. For a lot of those companies, if you use the credit card as a debit card you will miss out on some of those rewards and also have to pay transaction fees.The credit card companies encourage the use of non-pin transactions because it helps to fight against and prevent fraud. If you are asked to enter a pin number for your purchase, then you can be certain that the purchase is being counted as a debit card transaction instead of a credit card transaction, since credit card transactions do not require pin numbers. Click on the link to know more about the credit cards without a Pin: https://anynote.co/post/40681_if-you-are-searching-to-use-credit-card-without-a-pin-then-just-click-on-the-lin.html

If you are searching to use Credit Card without a PIN?

Federal Bank offers a variety of credit cards under multiple categories, such as travel, lifestyle, shopping and more. With the right Federal Bank Credit Card, you can avail maximum benefits, be it earning reward points or cashback. You can apply for a credit card that suits your needs the best as per your spending pattern and repayment capacity. Check some of the top credit cards offered by Federal Bank and apply for the one after analyzing all the features and benefits. Click on the link to know more about the best federal bank credit cards: <a href="https://www.slideserve.com/kartik7/feddral-bank-credit-cards" target="_blank">https://www.slideserve.com/kartik7/feddral-bank-credit-cards</a>

Federal Bank offers a variety of credit cards under multiple categories, such as travel, lifestyle, shopping and more. With the right Federal Bank Credit Card, you can avail maximum benefits, be it earning reward points or cashback. You can apply for a credit card that suits your needs the best as per your spending pattern and repayment capacity. Check some of the top credit cards offered by Federal Bank and apply for the one after analyzing all the features and benefits. Click on the link to know more about the best federal bank credit cards: https://www.slideserve.com/kartik7/feddral-bank-credit-cards

Top best Federal Bank Credit Card.

With more people choosing online shopping over retail stores, the demand for online shopping credit cards is also on the rise. From gadgets to groceries, people are buying everything online and they certainly want to be rewarded for these expenses.This is why leading banks and NBFCs are offering credit cards with exclusive benefits on online shopping. While some cards offer additional benefits with co-branded platforms, others offer generous rewards on all kinds of online shopping. To help you choose the best credit card for your needs, here is a list of best online shopping credit cards in India.  Click on the link to know more about the 5 credit cards for shopping in india: <a href="https://cardinsider.mystrikingly.com/blog/top-5-credit-cards-for-shopping-in-india" target="_blank">https://cardinsider.mystrikingly.com/blog/top-5-credit-cards-for-shopping-in-india</a>

With more people choosing online shopping over retail stores, the demand for online shopping credit cards is also on the rise. From gadgets to groceries, people are buying everything online and they certainly want to be rewarded for these expenses.This is why leading banks and NBFCs are offering credit cards with exclusive benefits on online shopping. While some cards offer additional benefits with co-branded platforms, others offer generous rewards on all kinds of online shopping. To help you choose the best credit card for your needs, here is a list of best online shopping credit cards in India. Click on the link to know more about the 5 credit cards for shopping in india: https://cardinsider.mystrikingly.com/blog/top-5-credit-cards-for-shopping-in-india

Top 5 Credit Cards For Shopping In India.

You can avail a world of premium and unmatched benefits with the credit cards offered by LIC. The list of cards includes travel cards, rewards cards, and premium lifestyle cards and they offer some of the best features on their respective categories. Check out the list to choose to the best one for you.Click on the link to know about the<a href="https://issuu.com/kartik745/docs/navy_and_green_simple_geometric_dig_abf000ba62e2b0" target="_blank"> Best Lic credit cards in india 2022</a>. Top Credit Cards offered by LICThe following table lists the top LIC credit cards that you should explore. For your convenience, you can also check out their annual fee and their respective categories. An LIC credit card brings customers into a world of exceptional privileges and unbeatable benefits. Starting from complimentary insurance, rewards program, add-on cards, MasterCard and Visa privileges, fuel surcharge waiver and a LIC credit card carries all the requirements to help customers make hassle-free purchases.

You can avail a world of premium and unmatched benefits with the credit cards offered by LIC. The list of cards includes travel cards, rewards cards, and premium lifestyle cards and they offer some of the best features on their respective categories. Check out the list to choose to the best one for you.Click on the link to know about the Best Lic credit cards in india 2022.Top Credit Cards offered by LICThe following table lists the top LIC credit cards that you should explore. For your convenience, you can also check out their annual fee and their respective categories.An LIC credit card brings customers into a world of exceptional privileges and unbeatable benefits. Starting from complimentary insurance, rewards program, add-on cards, MasterCard and Visa privileges, fuel surcharge waiver and a LIC credit card carries all the requirements to help customers make hassle-free purchases.

Best LIC Credit Cards in India 2022.

There are 7.9 billion people in the world with 7.9 billion different sets of wants and needs. While there aren’t enough credit cards to satisfy each person’s tailored needs, there are enough to choose from that could be pretty satisfactory. Click on the link to know more about the Best Credit Cards in India for 2022: <a href="https://www.storeboard.com/cardinsider1" target="_blank">https://www.storeboard.com/cardinsider1</a> The right credit card that suits your needs the best can not only help you save some bucks but also earn rewards through those expenditures. So let’s not drag it and jump right into the list of bests for different people with different interests.  The cards are based on the following categories: Best for salaried individuals, Best for beginners, Best premium credit card, Best zero annual fee credit card, Best credit card for travel, Best credit card for online shopping, and finally, Best business credit card.  <ol><li>HDFC Millennia.</li><li>Axis Ace FREE.</li><li>Amex MRCC.</li><li>RBL Zomato Classic..</li><li>Axis Flipkart.</li><li>ICICI Amazon Pay.</li></ol>

There are 7.9 billion people in the world with 7.9 billion different sets of wants and needs. While there aren’t enough credit cards to satisfy each person’s tailored needs, there are enough to choose from that could be pretty satisfactory. Click on the link to know more about the Best Credit Cards in India for 2022: https://www.storeboard.com/cardinsider1The right credit card that suits your needs the best can not only help you save some bucks but also earn rewards through those expenditures. So let’s not drag it and jump right into the list of bests for different people with different interests. The cards are based on the following categories: Best for salaried individuals, Best for beginners, Best premium credit card, Best zero annual fee credit card, Best credit card for travel, Best credit card for online shopping, and finally, Best business credit card. HDFC Millennia.Axis Ace FREE.Amex MRCC.RBL Zomato Classic..Axis Flipkart.ICICI Amazon Pay.

Best Credit Cards in India for 2022.

In this podcast you will learn about the best credit cards saving vs. spending in india 2022.

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Credit cards Saving vs. Spending In India 2022.

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