Card Insider Brodcast

Bank of Baroda is one of the state-owned banks and is highly known for its products and services. The credit cards offered by this bank are highly affordable and rewarding covering lifestyle benefits to travel and dining.

You can easily find the right credit card for yourself depending on your spending habits and needs. Most of the credit cards offered by this bank are lifetime free credit cards and can be easily availed of. One of the most popular credit cards by Bank of Baroda is BOB Eterna Credit Card, on this credit card you get to enjoy shopping, travel, and entertainment benefits. 

This card allows you to earn 15 reward points on every Rs. 100 spent on shopping, dining, movie, and travel; whilst in the other spend categories, you earn 3 reward points on every Rs. 100. Moreover, on this credit card, you get to enjoy other features like low foreign currency mark-up fees, etc., and other benefits. You can avail of this credit card at Rs. 2,499 plus applicable taxes. 

If you are looking for a lifetime free credit card then you can look up the BOB Premier Credit Card, as this one is also highly rewarding. To check the complete list of BOB credit cards and their reviews, you can go to https://cardinsider.com/bank-of-baroda/. 

Bank of Baroda strives to make a long-lasting relationship with its customers by providing a variety of products and services. You get 24x7 assistance whenever you have any queries. You also get net banking, mobile banking, and phone banking services to make things available at your fingertips. You can use these services to request card up-gradation, check your credit card limit, hotlist your credit card, generate a credit card PIN, and so on.

Choosing the right credit card is not that easy, you need to question yourself whether you need a credit card or not, then figure out what are your needs and spending habits, and then start comparing credit cards to finally come down to one credit card that is of the highest value to you. 

With a lot of popular card issuers in India, there are many loyal customers who still want to get a suitable credit card from HSBC only. But, choosing the right credit card on the basis of your spending behavior is not that easy when you want to make a wise decision. To help you out with the same, we are here with this podcast that will help you understand how you can choose the best HSBC Bank Credit Card for yourself.

HSBC offers a total of four credit cards, namely HSBC Cashback, HSBC Smart Value, HSBC Visa Platinum, and HSBC Premier MasterCard Credit Card. Out of the four cards, the Premier MasterCard is an invite-only card that is offered only to the premium banking customers of the bank. So, you are only left with three options for which you can apply. All these three HSBC Bank Credit Cards including the Cashback Credit Card, Visa Platinum Credit Card, and Smart Value Credit Card, come with a zero joining/annual fee, i.e, all these three cards are lifetime free. To give a great start to the cardholders’ journeys, the HSBC Bank Credit Cards come with exciting welcome benefits such as Amazon gift vouchers, complimentary lounge access, exciting discount/cashback offers, etc. at https://cardinsider.com/hsbc-bank/

Now, talking about the features and benefits of the three cards, the Cashback Credit Card can be considered a great choice for people who make online purchases very often as it offers accelerated cashback on online spending. The other two cards, Smart Value and Visa Platinum, reward you in the form of Points and both the cards offer a decent reward rate, so anyone who loves shopping, and dining out, can go with any of these two cards. 

However, if you are a movie lover, you should either choose the Visa Platinum or the Cashback Credit Card as both these cards offer a ‘buy one get one free offer’ on movie tickets. So, just analyze your requirements and choose a card wisely.

RBL Bank is a private limited bank that offers quite affordable credit cards. You can find credit cards that can fit your shopping needs to travel needs. RBL Bank credit cards are ideal for first-time credit card users. You can get secured credit cards to unsecured credit cards from a price range of Rs. 50 to Rs. 5,000. To get a credit card from this bank you need to fulfill certain eligibility criteria such as minimum age, stable income, credit score, etc. But before getting a credit card you need to analyze your spending habit and needs so that you can compare all the RBL Credit cards to find out the right credit card for yourself. Choosing the right credit card is the first step towards the maximization of credit card benefits. You can check the complete list of credit cards and compare them as well at https://cardinsider.com/rbl-bank/

RBL bank also offers lifetime free credit cards namely, RBL Bank Insignia Preferred Banking World Card to the super-premium credit card that is RBL Bank Icon Credit Card. You can earn reward points on all the mentioned spend categories, moreover, you can easily redeem the accumulated reward points from the RBL Rewards Portal. Bear in mind that to maximize the RBL Bank credit card benefits you need to keep your credit card dues clear in full as not paying it in full can affect your credit score drastically. 

For more information, click here on Cardinsider.com.

Also, you need to maintain a low credit utilization, a high credit utilization also affects your credibility. These two are the most important aspects that you need to be very careful of while using a credit card. Using a credit card wisely and responsibly is the way towards maximizing the benefits of your credit card. Having a good standing account increases your creditworthiness. 

American Express also known as AMEX is not only the leading credit card network but also a credit card issuer. It is well known for its high-end premium credit cards. You can find highly rewarding travel credit cards by none other than the American Express Credit Cards. 

Some of the best American Express credit cards are American Express Platinum Travel Credit Card, American Express Gold Credit Card, and the list goes on. You can check the complete list at https://cardinsider.com/american-express/ along with its prominent features and benefits. 

Before applying for an Amex Credit Card you need to figure out your needs and spending habits because the membership fee of an Amex credit card can be as high as possible. So make a calculated decision that will not help you in earning rewards but also save you from a possible debt trap. You can select the top credit cards first and then compare Amex credit cards so that you have the right credit card for yourself that compliments your spending habit and needs.

Wait, wait, do go so fast, your work is not done yet, you need to keep certain things in your mind such as keeping your credit card dues clear timely and maintaining a low credit utilization ratio between 30% - 40% in order to build a strong standing account. Not using a credit card wisely can affect your credit score negatively. 

With Amex, credit cards enjoy the fine experience around the globe from travel experience to shopping experience. You get everything you need at your fingertips. What are you waiting for? Go compare credit cards and grab an American Express credit card for yourself and enjoy the world-class features and benefits. If you are an existing Amex credit card holder then give your reviews to rate American Express Credit Cards for other viewers. 

While researching about credit cards you must have come across a term Balance Transfer. All your queries regarding Balance Transfer will be dealt with today in this podcast. First thing first, what is a balance transfer? A balance transfer is leverage that you get with your credit card during those times when you won’t be able to pay your credit card dues on or before the due date. With the balance transfer facility, you can transfer your credit card outstanding amount to another credit card, one that has a longer grace period and has a low-interest rate. 

Moving onto the other question How does it work? 

When you transfer the balance of one credit card to another credit card, the credit card issuer of the second credit card pays the outstanding balance to the first card issuer. This way the outstanding balance of the first credit card becomes the outstanding balance of the second credit card which you will have to pay in the subsequent grace period. There are various credit card issuers that offer this facility on their credit cards some of them are SBI Cards, HDFC Bank, ICICI Bank, and so on. You can read the complete information about Best Balance Transfer Credit Cards in India.

Some of the important things that you need to bear in mind are that using a balance transfer facility does not help you avoid the interest charges, next using this facility attracts a processing fee so you need to be very careful so that you do not incur more expense while saving yourself from the interest charges. If you pay the balance transfer amount on the second card during its interest-free period then you won’t be charged with any interest rate. Still, it all comes down to how responsibly you use a credit card as this is the only key to building a good-standing account.

Thinking of applying for a credit card but worried that you won’t get one probably because you have a low or no credit score. Then you don’t have to worry about this because credit card issuers introduced a complete chain of secured credit cards to meet this requirement. Now the question is What are secured credit cards and how are they different from other credit cards? Secured Credit Cards are issued against the fixed deposit. You need to maintain a fixed deposit for a certain period with the bank in order to become eligible to get a credit card.

 Fixed deposits act as collateral, saving the credit card issuers from the loss in case the cardholder defaults on the payment of credit card bills. Some of the famous secured credit cards are SBI SimplyClick Credit Card, SBI SimplySave Credit Card, ICICI Bank Coral Credit Card, and the list goes on. You can check the complete list on https://cardinsider.com/best-secured-credit-cards-in-india/.

Before applying for a credit card you need to analyze some parameters like your needs, spending habits, financial stability, etc. Once everything is clear you can proceed further to apply for a credit card. If you are a first-time credit card user then you should begin your credit journey with secured credit cards or lifetime free credit cards. Just bear in mind you need to keep your credit card dues clear all the time and maintain a low credit utilization ratio in order to build a good standing account. If you default on the payment of the secured credit card bills then the credit card issuers will deduct the amount from your secured credit card. 

If you do not wish this to happen then use your credit card more wisely. Secured credit cards are best suited for building a good credit score with time. Once you are familiar with the credit card working and can manage a credit card without any collateral then you can apply for the upgraded credit cards.

Hello! Applying for a credit card the first time and have no idea about how a credit card works? Then, my fellow friend, you should definitely look for the Lifetime free crest cards. As the name suggests, these are zero annual fee credit cards that come with the most rewarding benefits for first-time credit card users. You will surely understand the working of a credit card and will be able to learn how to use it. 

To avail of a lifetime free credit card, you need to have a stable income and minimum age of 21 years. Only qualified individuals get this credit card. You can check the complete list of lifetime free credit cards at https://cardinsider.com/best-zero-annual-fee-lifetime-free-credit-cards/. 

Currently, the most famous credit card under this category is the Amazon Pay ICICI Credit Card, as this card lets prime and non-prime members earn cashback on their spending. Prime members earn 5% cashback on all their spendings at Amazon while non-prime members earn 3% cashback. 

You must have heard that to get a credit card you need to have a good credit score between 700-750, hold on, on a lifetime free credit card you do not have to have a credit score instead you can build a credit score with it and apply for an upgraded credit card in the future. 

Your work does not end here, you need to keep a few things in your mind when it comes to a credit card. You have to keep your credit card outstandings clear and maintain a low credit utilization ratio in order to build a good standing account. 

Being responsible with a credit card is the only way to make the most out of a credit card. Adding a credit card to your wallet makes you financially liberal. Go and grab a lifetime free credit card to give a kick start to your credit journey. 

Click here to get more information about credit cards:- Cardinsider.com

Rising fuel prices become the main concern for each and everyone, especially for those who travel a lot with their vehicle. To cut down the fuel costs, the credit card issuers came up with fuel credit cards. Now, the question is what are fuel credit cards and how do they work? Fuel credit card incentives revolve around fuel purchases, every time you purchase fuel you get to earn reward points which can be further utilized for either purchasing fuel or other categories under the reward redemption program. 

Moving forward, before getting a fuel credit card you must be aware of your needs first, whether you need a fuel credit card or not. Moreover, if you purchase fuel mostly from the BPCL petrol pump, then taking a credit card that lets you earn rewards only on making a fuel purchase at the HPCL petrol pump won’t do you any good. 

Click on this link to know about the Best fuel credit card:- https://cardinsider.com/best-fuel-credit-cards-india/ 

So, it becomes very important to analyze your spending habits and needs first. You can find a complete range of fuel credit cards in the market, among them you can apply for the best fuel credit card that accrues you the most benefits. 

Currently, the best fuel credit cards available in the market are BPCL SBI Card Octane, ICICI Bank HPCL Super Saver Credit Card, IndianOil Citi Credit Card, and the list goes on, you can check the complete list at Cardinsider.com

Know your requirements first and then move further with the card selection process. Compare credit cards to get a credit card that is of the highest value to you.

After receiving the credit card, you need to use the credit card wisely, keep the credit card dues clear and maintain a low credit utilization ratio. Being responsible with a credit card is the only way to build a good standing account. 

Hello there! Looking for a cashback credit card but wondering whether they will be the right choice or not? Let’s work on this step by step. First thing first, cashback credit cards are those credit cards that you let earn a percentage of your spending as a cashback. The percentile of incentive differs from credit cards to credit cards. The standard slab for a cashback is between 0.5% - 6% on a cashback credit card. Moreover, they are pocket-friendly and you earn rewards mostly on all your spending categories.

 Not to brag, but you may get easily bewildered after knowing the benefits you get with a cashback credit card at a reasonable membership fee. Say, for example, Flipkart Axis Bank Credit Card is a cashback credit card that lets you enjoy benefits like; 5% cashback on shopping from Myntra and Flipkart, 4% cashback on spending on PVR, Swiggy, Uber, etc. apart from these you also get to enjoy the travel benefits and Oh! Wait you can avail of it at just Rs. 500 only. There are other cash back credit cards also available in India and you can check the complete list at https://cardinsider.com/best-cashback-credit-cards-india/ 

Wait, the features and benefits don’t end yet, the advantage of a cashback credit card is that you get the rewards directly credited to your account. So, bye-bye to the redemption process. You do not have to keep a record of the validity period of your cashback as they never expire.

Isn’t it exciting? Before getting a cashback credit card, identify your needs and see whether your needs are being met or not. Select the one that is of the highest value to you and compliments your financial health. The catch with credit cards is that you need to keep the credit card dues clear and maintain a low credit utilization ratio. Being responsible with credit cards is the key to building a strong credit history.

While looking for credit cards you must have come across the rewards credit card and must have wondered what are rewards credit cards? How are they different from other credit cards? How do they work? Before diving right into the features and benefits of the rewards credit cards, let’s begin with the definition. 

A reward credit card is one that earns you reward points on almost all categories of spends. However, you need to know that the rewards program varies from card to card and you may earn reward points only on specific spends categories on some of the reward credit cards. So, before getting your hands on a reward credit card it is advisable to analyse your needs and requirements. There are many reward credit cards currently available in the Indian credit card market. 

SBI SimplyClick Credit Card, Citi Rewards Credit Card, IDFC First Select Credit Card are some of the best rewards credit currently available in the country. You can compare and apply for the best reward credit card based on your requirements on Card Insider. What are you waiting for? go to the given link on https://cardinsider.com/best-rewards-credit-cards-india/ and get your hands on the reward credit card best suited for you.