If you want to know about all credit cards like their benefits, features, and how they work? We can clear your all doubts regarding credit cards. Know about any card we can give full information about any credit card. Listen to our audio and visit this link for more details about How To Maximize the Benefits Of Your Axis Credit Card: https://dailygram.com/index.php/blog/1150984/how-to-maximize-the-benefits-of-your-axis-credit-card/

ICICI Bank Sapphiro Credit Card is a premium credit card offered in two network variants- Mastercard and Visa. The card is best suited for both domestic and international travelers and offers premium privileges to the users including Complimentary Dragon Pass Membership, Visa Lounge Access, Golf privileges and more.

For more details visit this link: https://www.zupyak.com/p/3284130/t/benefits-of-icici-sapphiro-credit-card

ICICI Bank Sapphiro Credit Card- Features and Benefits 

With ICICI Bank Sapphiro Credit Card, you get to enjoy the benefits of 2 cards with the convenience of 1 account. You will get access to premium lifestyle privileges across popular categories like travel, dining, entertainment, golf etc.

Complimentary Airport Lounge Access

The card provides 4 complimentary airport lounge access per quarter (two on each variant) by spending a minimum of Rs 5,000 or above in a calendar quarter on the card to avail this facility in the next calendar quarter. Over and above the allowed number of complimentary visits, each subsequent visit will be charged as per rates applicable to each lounge service provider. 

For the list of applicable lounges, please call on 1800 102 6263/ 022-42006396 or click for a complete list of lounges.

Dreamfolks Membership Programme

This is perhaps one of the best benefits that the card offers. As a Dreamfolks Member, you can relax at more than 450 comfortable and luxurious airport lounges across 115 countries around the world, regardless of the class or airline you fly with, or whether you are a member of an airline frequent flyer club. You can avail the following benefits-

2 complimentary airport lounge visits outside India and 2 spa sessions at selected airports in India every year, through complimentary Dreamfolks membership

USD 99 annual membership fee for Dreamfolks Programme is complimentary. You will need to pay for the lounge visit charges for visits done over and above the complimentary accesses

Great offers from shopping, restaurants to limos on Dreamfolks app

Complimentary Rounds of Golf

As an ICICI Bank Sapphiro Credit Cardholder, you will get a complimentary Golf Round / Lesson for every Rs. 50,000 retail spends in the previous calendar month, maximum of up to 4 rounds a month. 

To book your game, visit www.teetimes.golftripz.com and create a Golftripz account using the same email ID as registered with ICICI Bank Credit Cards

The complimentary round of golf will be visible in your Golftripz account after the 10th day of the next month

This will be available for you to play anytime in the next 2 months

Explore available tee time slots at leisure and make your preferred booking and track all your bookings online       

Who should take ICICI Bank Sapphiro Credit Card? 

ICICI Bank Sapphiro Credit Card is indeed a travel-focused credit card, best suited for frequent domestic and international travellers interested in airport lounge access. For instance, the cardholder is eligible for 4 domestic lounge visits per quarter along with 2 annual domestic airport spa visits. Further, the card offers 2 international airport lounge visits per year. 

There are various kinds of credit card users. Some use credit cards extensively, snapping up all benefits, while some use them only for emergencies. Some people are always punctual about their credit-card dues, while some people are perpetually late. Some people like to own a number of credit cards while others are satisfied with only one. What kind of user are you? Don't know? Let’s find out!

The Responsible User

These users tend to keep an eye on their bank statements. They know exactly how their statements are going to be, and prepare themselves accordingly. They usually always repay their debts on time and hence save themselves from paying interest. They also try to maximize the benefits and offers that come with their cards, whether it is dining, movies, or shopping.

For more details visit this link: https://creditguide.mystrikingly.com/blog/what-type-of-credit-card-user-are-you

Minimum Payers

These users try to get by without paying their full dues – they tend to only pay ‘the minimum amount. This habit makes them a favorite of credit card companies. Although they don’t make complete payments, they tend to get attracted by the offers and benefits of credit card users. These users end up paying high-interest rates eventually if they are unable to make full payments.

Defaulters

These payers use their credit cards to the hilt, but when it comes to paying dues, they disappear. The banks tag them as defaulters. Most times, these users do not realize that their behavior lowers their credit rating and are usually surprised when they are unable to get loans or credit on good terms from lending institutions.

Flaunters, but non-users

These people flaunt their cards, but will hardly use them. They have either faced some trouble with the terms and conditions of their credit cards or are just not interested in using them. Some ‘collect’ credit cards as status symbols, but don’t really need them.

So do you fit into any of the categories listed above? The first two and the last are relatively harmless, but if you are in the third category, it is time for you to change.  Pay your bills on time and avoid credit card debt!

Balance transfer cards with a 0% introductory rate

 Out of the four general types of credit cards available in the market, balance transfer cards are the best possible option that can help you cut down your interest rates. It also provides the benefit of switching your balance to another credit card that serves you better terms. Generally, banks charges you with an introductory Annual Percentage Rate on a term of minimum of 6 months up to 21 months as set by the federal government, which is charged on the amount of balance, transferred.

But, relax! Because of the heavy competition in the global market and the debt amount banks are now trying to lure or rather attract customers by giving away free introductory rates or 0% interest rates on their balance transfer cards. Different balance transfer card offers you appealing offers and tenures of about 12 to 18 months to make you easily pay off your debts.

However, you must check into the terms and conditions of each balance transfer card that are available to scrutinize for any additional interest rates that might be applicable for any other unlikely reasons. Know more about the free intro period balance transfer card. 

Both HDFC Bank MoneyBack+ Credit Card and HDFC Bank Millennia Credit Card are entry-level cards offered by the bank to new to credit customers. The cards offer benefits from popular brands such as Amazon, Flipkart, BigBasket, Swiggy, Myntra and Sony LIV among others.  Choosing the best option between these two could be confusing because both of these offer rewards/cashback in the form of CashPoints along with another similar type of benefits. 

For more details visit this link: https://www.tumblr.com/creditadvisor/678424848919412736/hdfc-moneyback-plus-vs-millennia

Which Card Offers Better Welcome Benefits?

When it comes to card activation benefits, both these credit cards offer bonus Cashpoints. While Millennia Credit Card offers 1,000 CashPoints, MoneyBack+ offers 500 Cashpoints. Based on the redemption value, Millennia offers a benefit of around Rs. 300 (1 CashPoint= Rs. 0.30), whereas MoneyBack offers a value of Rs. 125 (1 CashPoint= Rs. 0.25)

Note that, Millennia Card offers a high-value benefit on activation and justifies the higher joining fee charges of Rs.1000, in comparison to Moneyback+, which charges Rs. 500. Thereby, in terms of activation benefits, HDFC Bank Millennia Card is a clear winner. 

Things to Know:

With HDFC Moneyback+ Credit Card you can earn a maximum of 2500 CashPoints across each reward category, whereas for Millennia Credit Card, you can earn a maximum of 1,000 CashPoints per month across each cashback.

With Millennia Credit Card you can earn CashPoints on transaction value up to Rs. 1,000, but with MoneyBack+ you earn CashPoints on transactions up to Rs. 2,500. Thereby the scope of earning cashback/rewards is more on MoneyBack+.

Both these cards allow you to redeem CashPoints for paying the statement balance at the cost of 1 CashPoint=Rs. 1. However, with Millennia Credit Card, you can redeem the points for paying the balance for a minimum 500 accumulated CashPoints. For Moneyback+ the minimum required CashPoints for payment against the statement balance are 2000 CashPoints or a value equivalent to Rs. 500.

Which Card Offers Better Travel Benefits?

When it comes to travel benefits, HDFC MoneyBack+ offers no travel benefits. However, Millennia Credit Card does offer benefits around lounge access with 8 complimentary domestic lounge access per year. Note that, MoneyBack+ not providing any travel benefit in comparison to Millennia is justified since it charges a lower fee than the latter. However, in general, if compared with credit cards with an annual fee of up to Rs.500, not providing any lounge access could be a drawback, as many cards within this range or even zero annual fee cards offer lounge access. Thus, Millennia wins over MoneyBack+ in terms of offering basic travel benefits for an entry-level credit card. 

Cash back is flexible and easy to redeem. Points or miles dangle the possibility of a paid-for vacation and, sometimes, a higher reward value per dollar spent. Nowadays, some cards let you redeem rewards for cash or travel at the same value. But if you’re deciding between the two, it comes down to your lifestyle — and the effort you’re willing to put in. 

Cash back

With a cash-back card, rewards come in dollars, not points or miles. You can redeem rewards for a credit on your statement and may also be able to redeem them for gift cards, a check, or a direct deposit to a bank account. 

For more details visit this link: https://truxgo.net/blogs/220841/439832/travel-or-cash-back-credit-card-which-should-you-choose 

Easy redemptions, fewer perks

Because redeeming rewards takes no research or effort, this option is perfect for someone who wants a low-maintenance wallet. And, if you're looking to finance a large purchase, many cash-back cards come with a generous introductory 0% interest promotion.

Cash-back credit cards do come with some drawbacks, though. They lack the high-end perks

you'll find on some travel cards and often charge foreign transaction fees, and

sign-up bonuses tend to be more modest.

Choosing a card based on your spending

Since the main appeal of a cash-back card is earning money back for each purchase,

you'll want to pick a card with bonus categories that match how you spend your

money.

Travel

Travel Credit Cards give you rewards in the form of points, miles or some other

rewards currency that doesn't have a set monetary value. Depending on the card,

you can often redeem your points for merchandise, gift cards, or cash back. But

you'll typically get the most value out of your rewards when you redeem them

for travel. 

A travel card is an excellent choice if you travel frequently and can take full advantage of the side perks. A cash-back card, though, is usually less expensive and comes with more versatile rewards. For many, that makes it a clear winner. 

Conversely, travel rewards credit cards can help you earn points or miles toward future free or discounted travel. Like cash back cards, you may earn a flat rate on all purchases or bonus points within certain spending categories. Some travel rewards cards have categories focused on everyday spending like dining or groceries, which you can redeem toward travel, while others are more centered on rewarding travel purchases for more travel.  

credit card 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.

For more details visit this link: https://medium.com/@karannegi./your-guide-to-different-types-of-credit-cards-daf4912c06d9

 Mentioned below are the top Gold credit cards available to customers in India:·

SBI Gold & More Credit Card·

BMB Gold & More Credit Card·

HSBC Bank Gold credit card·

PNB Global Gold Card·

Canara Global gold credit cards·

Bank of India Navy Gold·

Bank of India visa Gold Card·

Bank of India Visa Gold International Card·

Central Bank of India Visa Gold Credit Card· LIC Corporation Bank Gold Credit Card 

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.

Fuel Credit Cards

Fuel credit cards offer benefits on every fuel transaction that cardholders make. This card helps customers save on refuelling by providing them with cashback offers and fuel surcharge waivers. Some banks also offer accelerated rewards points on fuel transactions, if they are made at specific petrol pumps across India. The accumulated rewards points can be redeemed for refuelling for a predetermined value. Other additional benefits include activation bonus, entertainment benefits, dining, hotel and wellness offers, etc.

The annual and joining fees charged on Auto credit cards are very low and daily Metro/train commuters can greatly benefit by availing these cards. These cards double up as a travel card plus a normal credit card which can be used for shopping and other purchases. As a welcome offer, these cards come preloaded with certain amount of cash and they also have auto top-up facility. Customers can earn rewards points on top-ups and other transactions. Some cards also offer annual renewal deals, add-on card facility and surcharge waivers to cardholders.

Some of the popular auto/fuel credit cards are given as follows:·

IndianOil Citibank Platinum Credit Card·

IndianOil Citibank Titanium Credit Card

Contactless Credit Cards

Contactless credit card 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.

If you intend to make the most of your Standard Chartered credit cards, then using them smartly is the key. When used in a judicious manner, the consumer is empowered with borrowing options at no hidden cost or interest, extra protection from frauds and money-savings features like cashback and rewards. Let’s have a look at some of the advantages of using a credit card.

The best credit cards will charge 0% interest on purchase of goods and services, and allow the purchaser to pay off the full amount within a predetermined period. All you have to make sure is that the amount is paid off in full before the end of the interest-free period. Standard Chartered offers up to 18-23 day-interest-free periods. The general rule of thumb is to clear the debt in its entirety (not just minimum payment) by the due date so that no interest can be charged. Missing deadlines on credit cards mean interest will be added to the balance at the end of each month.  

For more details visit this link: https://cardinsider.bcz.com/2022/05/02/what-are-the-benefits-of-a-standard-chartered-credit-card/ 

Safety

It is still wise to practice caution with your credit card details and its PIN and other important details. Learn how to report a stolen credit card or a fraud here.

Cashback and Rewards

There are several incentives on offer on the amount you spend using your credit card, depending on the features of the credit card. Cashback and rewards in the form of air miles and loyalty points are usually on offer for purchases done with a credit card. View the range of offers and promotions on the Standard Chartered credit cardWhat is the eligibility criteria to get a Standard Chartered Credit Card online?To apply for a credit card online with Standard Chartered, you will need to meet the following eligibility criteria:

● You are between 21 and 65 years of age

● You have a stable monthly income

● You belong to the credit card sourcing cities/locations of the bank

● You agree to all applications being subject to credit and other policy checks of the ban

How to apply for a Standard Chartered Credit Card?

For a Standard Chartered credit card, you can easily apply online and get an instant in-principle decision regarding your application approval.

● You can start the process by submitting your application online. Shortly thereafter, our bank representative will get in touch with you to confirm the online credit card approval. You may also be asked for further documents to complete the process.

● Your credit card should arrive within 7-15 days from when you submit your application form and documents. During this time, it will be subject to the final policy and verification checks by our bank. Please feel free to contact our bank anytime for an update on your application and our bank representatives will be ready to assist you. 

Simply Click SBI CardOne of the best shopping cards available these days, the Simply Click SBI Card could be an exciting festive prospect for you with the following offers.Amazon.in gift card worth ₹500 on joining

5X rewards on online spends

10X rewards on online spending at exclusive partners – Amazon/Zoomcar/Lenskart/ Food panda/UrbanClap/Clear trip

E-vouchers worth 2,000 on achieving an annual spend of ₹1 lakh and ₹2 lakh each

Annual fee of ₹499 gets reversed on spending ₹1 lakh a year

1% fuel surcharge waiver on transactions worth ₹500-3,000, exclusive of GST and other charges

For more information click on this link: https://divyanegii.blogspot.com/2022/10/best-credit-cards-for-this-diwali-season.html

Why Simply CLICK SBI Card for Festivities?

The reason for picking this card can be elucidated through the following points.

Accelerated Rewards – 5X and 10X rewards to accumulate a lot of points on your spending, giving you more to redeem later on. With more spending than often is the case with the festive season, the reward points would accumulate at a faster pace, helping you redeem more.

Exclusive Partners – As rewards are offered on brands such as Amazon, one of the most sought-after options for festive shopping on products such as mobile phones and other accessories, the chances of rewards getting accumulated are more.

Even reward offers on spends at brands like UrbanClap, which ranks among the best professional service providers in the areas of home repair & renovation, furniture, and woodwork, among others, make it a true festive card. You would want your home to be repaired and renovated, especially when festivals are on, won’t you?

E-vouchers & Annual Fee Reversal – The card adds more to your festive glitter with e-vouchers worth ₹2,000 on spends of 1 lakh and 2 lakh. As spending is likely to be more in the festive season, grabbing e-vouchers become easier. A significant part of the annual spending can be achieved in the 3-4 month festive saga itself. With the accomplishment of ₹, the 1 lakh yearly spend target, the annual fee of ₹499 gets reversed. The annual spend can be easily achieved by spending an average of a little above ₹8,000 per month.

With the increasing dependency on plastic money, credit card frauds can prove to be extremely damaging. Yet, one tends to neglect basic steps to avoid credit card frauds. It is imperative that every individual take necessary steps to avoid the perils of credit card fraud.

Modern-age frauds can range from theft of cards, account takeover, and counterfeiting, to email/telephone order (MO/TO frauds) and more. The banking sector has taken multiple steps towards prevention of credit card frauds.  However, consumer education is a key strategy when it comes to avoiding fraud. Here are some simple ways a consumer can self-educate and help avoid credit card fraud.

For more information click on this link: https://theomnibuzz.com/how-to-protect-yourself-from-credit-card-fraud/ 

Keeping the Credit Card Safe

The primary step for credit card fraud prevention is to keep the credit cards in a place which is not easily accessible for others. First, make sure that a new credit card kit/envelope is not tampered with, and sign on the back of the card as soon as you receive it.  Always keep the credit card secured in a small wallet which will make it difficult for snatchers or pickpockets. After every purchase, one must never forget to put the card away as soon as possible because thieves can store a digital imprint of the credit card through snapshots using cell phone cameras. It is also recommended to confirm the possession of the credit card in your wallet from time to time, even if you have not used it in a while.

Monitor Credit card transactions online

Standard Chartered allows you to monitor your credit card transactions via SMS and email alerts and also via Online Banking or SC Mobile. You can get real time alerts that enables tracking of credit card spends.

Avoid Paper Trails of your Credit Card Number

This is another simple step for avoiding credit card fraud. Credit card billing statements usually have the full credit card number printed on them. As a credit card user, one must always remember to shred the statement before dumping it into the bin. Expired and cancelled credit cards should also be shredded.

Signing of Blank Receipts

The amount on the credit card receipt should be thoroughly verified before signing the bill. In case of a credit card receipt with blank spaces, it is advisable to fill the blank spaces with zero/s (0) or scratch through before putting the signature.

A Credit Card Insurance Plan offers financial protection to the cardholder in case of an unforeseen event where the cardholder is unable to repay the credit card bills due to loss of income, disability, injury, or death.·    

It also extends its coverage to credit card frauds for both online and offline types of transactions. It may cover frauds like PIN-based transactions, phishing, contactless transaction, tele-phishing, etc.

Many plans offer a single-call card block service in case of a credit card theft or loss.

For more information visit the link: https://posteezy.com/what-credit-card-insurance-everything-you-need-know

Some Credit Card Insurance Plans offer emergency travel assistance (emergency cash in India, emergency advance to hotels, replacement of travel ticket, etc.), subscription to software for internet security, mobile wallet protection, etc.

The plan may also offer a free annual credit report analysis service.·       

Different banks have different names for this insurance; Card Protection Plan, Credit Shield, Card Safeguard, Balance Protection Insurance, and many more.·       

The credit card issuer charges a monthly or yearly fee for the Credit Card Insurance Cover, which differs from issuer to issuer.       

It can help you repay your credit card dues on time and maintain a good credit score in case of an unforeseen event. Here are some of the common insurance coverages offered by Credit Card Insurance Plans. However, these benefits may vary from insurer to insurer. Hence, before purchasing the plan, it is advisable to check the features, benefits, terms & conditions, etc., to avoid future disappointment.