Few cards on the market today come with as many perks and benefits as The Platinum Card from American Express and the American Express Gold Card. Both cards offer strong earning potential, solid welcome bonuses and a bevy of perks that, for the right person, can easily outweigh their annual cost of ownership.

That’s all well and good, but how do you decide which one is right for you? Here are the most important aspects of each card to help you narrow down your choice.

For more Information refer to: https://www.apsense.com/article/american-express-platinum-vs-gold-credit-card.html

American Express Platinum Card

The Platinum Card from American Express will pamper you with luxury. By offering airport lounge access and all sorts of travel credits, the card will help you enjoy a much smoother trip. It also offers a number of lifestyle perks that could appeal to consumers with high-end tastes.

American Express Gold Card

Whether you prefer to eat out or cook at home, if you have a big appetite you’ll love the American Express Gold Card. The Gold Card offer/discount catalogue has undergone several revisions from American Express, making it an even more profitable proposition.

Amongst a host of benefits offered by credit cards, discounts and rewards across online shopping are the most looked out for. Thereby, shopping credit cards are undeniably a preferred choice for credit card users. Most popular cards in this league are Flipkart Axis Bank Credit Card and Amazon Pay ICICI Bank Credit Card.

Most people are in the dilemma of choosing a card between Amazon Pay ICICI Credit Card vs. Flipkart Axis Credit Card. he only difference between them is that one card will give you exclusive deals and offers on Flipkart and another will give you the offers on Amazon.

For more information refer to: https://www.thetodayposts.com/flipkart-axis-bank-credit-card-vs-amazon-pay-icici-bank-credit-card-which-is-better/

Flipkart Axis Bank Credit Card

Flipkart Axis card charges a joining/annual fee of Rs 500. The joining fee is offset with a Flipkart GV of Rs 500 and a few other benefits. Axis Flipkart card takes a direct cashback/statement credit approach. Flipkart Axis Bank credit card is the only one to offer lounge access benefits. It offers 4 complimentary domestic lounge visits in India per calendar year.

Amazon Pay ICICI Bank Credit Card

It is LIFETIME FREE (LTF) without any joining/annual fees. This makes it easier for eligible cardholders to apply for this card. Amazon Pay ICICI credit card adds the rewards in the form of a gift voucher

Most individuals use a credit card just to enjoy the offers and deals. There are some credit card users who prefer it because of its reward points and Cashback offers. But it is really important for you to understand the difference between Cashback vs Reward Points in Credit Cards. While reward points are often always redeemable on all purchases, cashback offers are typically only available at participating stores.

For More information read: https://www.reddit.com/r/creditcardguide/comments/xj03ou/reward_vs_cashback_credit_cards/?utm_source=share&utm_medium=web2x&context=3

Rewards credit cards:

The reward points programme and the available redemption options are the primary advantages of rewards credit cards. By using the reward points, users can save money and enjoy the best credit card usage experience.Citi Reward Credit Card and SBI SimplyCLICK Credit Card are considered the best reward credit cards.

Cashback credit card: 

Cashbacks are straightforward, unambiguous, and flexible financial rewards that you can use however you like. Cashback credit cards offer a variety of alternatives for reclaiming your advantages. Axis Bank ACE Credit Card and Citi Cashback Credit Card are among the best cashback credit cards.

Nowadays, the majority of individuals compare credit cards based on their features as well as their credit limits.To draw more and more client’s attenction, credit card issuers increase the perks and rewards available on their cards. Access to free airport lounges is one of the most incredible benefits offered by credit cards. With international airport lounge access credit cards have grown to be a popular choice for this age.

For more information refer to: https://www.edocr.com/v/dglnmlow/Cardinsider/list-of-best-credit-cards-for-free-international-a

Choosing the best credit card for airport lounges can be very difficult because there are so many credit cards available that offer access to the same.

Following is the list of best credit cards for free International Airport Lounge Access:

HDFC Infinia Credit Card Metal Edition

A super-premium card, HDFC Bank Infinia Credit Card Metal Edition,is only available to certain customers who receive a special invitation from the bank. This credit card offers perks in a variety of categories, including travel, rewards, shopping, dining, etc.

Citibank Prestige Credit Card

With air miles and reward points, the Citi Prestige Credit Card is a premium lifestyle credit card.  You can take advantage of complimentary golf rounds, free priority pass access to airport lounges, free fast track immigration at airports, and more while staying one night at a partner hotel.

Axis Bank Magnus Credit Card

Using the Axis Bank Magnus Credit Card, you can take advantage in the form of rewards and cashbacks.You can apply for this card by simply visiting the bank branch or through the website.

In India, many credit cards offer appealing benefits in form of cashbacks, reward points , fuel savings, travel benefits and many more. To maximise these benefits, choose a credit card that perfectly suits your requirements, lifestyle and spending habits. It may be difficult to pick a credit card when a variety of options are out there. Making it simpler for you, we have specified the best credit cards available in India offered by various card issuers, based on  categories such as travel, fuel, reward points, and shopping.

For more information read: https://www.edocr.com/v/kkxybj9o/Cardinsider/best-credit-card-in-inda

Top 5 Best Credit Card in India

Axis Bank Ace Credit Card: 

For newcomers looking for good cashback at a low annual fee, this credit card seems to be the best option. With this card you will get 5% cashback on mobile recharges via google pay and bill payments along with other benefits such as dining, domestic lounge visits. This card offers the highest cashback rate of 2% in the market.

HDFC Bank Regalia Credit Card:

HDFC Bank Regalia credit card is a premium credit card that comes with multiple benefits on various categories such as dining, travel, shopping and more. This card is best for people who want to avail expensive benefits such as Priority Pass membership, airport lounge access. 

Flipkart Axis Bank Credit Card: 

Among one of the best credit cards in India, Flipkart Axis Bank Credit Card provides their users upto 5% cashback on online shopping platforms including Myntra, Flipkart and other partner websites. You will get 1.5% cashback on all rest of spendings. After Axis Bank Ace Credit Card, this card offers the second highest cashback rate in the market.

SBI Bank Elite Credit Card:

SBI Bank Elite Credit Card offers good benefits across multiple categories like shopping, movies, travel. This card is a highly rewarding credit card with a reward rate of 2.5% on some categories.You will receive a gift voucher of ₹ 5,000 as a welcome gift.

Amazon Pay ICICI Bank Credit Card:

In partnership with Amazon, this card is one  of the popular cashback credit cards, offering 5% cashback on all purchases at amazon(only to Amazon Prime Members) and 1% on others. Annual Charges or Joining fees of this card is zero, which make this card free for a lifetime.

To meet the needs of students, credit card named student credit cards have been designed with features like earning rewards, discounts and interest free periods. Students looking for their first credit card with a little or almost no credit record can apply for a student credit card. This card will help students to build credit and financial responsibility.

For more information refer to: https://www.thetodayposts.com/best-student-credit-cards-in-india/

Eligibility criteria for student credit card

There are some criteria other than income eligibility as students do not make earnings, must be followed to apply for a credit card. While applying Aadhaar or any other residential address proof, photo ID proof, Birth certificate, Passport size photographs and college Id proof are required.

Benefits:

Credit Limit: Student credit cards have the lowest credit limit in comparison with other cards. On an average, the credit limit of student credit cards is ₹ 15,000.

Validity of Card: These credit cards are valid over 5 years from issue date whereas regular credit card are valid for only 3 years.

Free Duplicate Card: If a student credit card misplaced or stolen then duplicate card will be issued free of cost or at very nominal charge 

Following are some best Student Credit Card in India:

SBI Student Plus Advantage Credit Card: This card is specially designed for students. To avail this card, students need to have an FD or a customer education loan at any branch of SBI.

HDFC Multicurrency Platinum ForexPlus Chip Card: With this card students studying abroad can have access to 23 foreign currencies.

RuPay offers a range of credit card variants that give cardholders the option to choose a card as per their needs and requirements. RuPay credit cardholders also get a number of deals and offers to make its use more convenient.

RuPay Credit Cards are currently available in three variants - RuPay Classic, RuPay Platinum, and RuPay Select.

For more information refer to: https://www.slideserve.com/kartik7/top-best-rupay-credit-cards

Best RuPay Credit Cards:

PNB RuPay Select Credit Card:  The RuPay Select Credit Card by the Punjab National Bank caters to a wide range of customers who indulge in shopping online, travelling and dining frequently.

Union Bank of India RuPay Credit Card:  Union Bank was the first bank to launch RuPay credit cards in association with NPCI. It provides two variants of these cards – Platinum and Select. 

Shaurya SBI RuPay Credit Card:  SBI Card has launched Shaurya SBI Card and Shaurya Select SBI Card for the defence personnel.Cardholders will earn bonus reward points on Canteen Stores Department (CSD), Dining, Movies, Departmental Stores, and Grocery Spends. 

Nowadays Secured Credit Cards are becoming popular among customers, as they not only let you earn reward points on your transactions but also help in building your credit score. On another hand, an unsecured credit card extends you a line of credit that you can draw on and then pay off, or make payments on, each month. Secured cards are similar in many ways to regular, unsecured credit cards.

For more information refer to: https://cardinsiderin.wordpress.com/2022/09/05/secured-vs-unsecured-credit-cards/

Secured Credit Cards:

As mentioned earlier, a secured credit card is designed to cater to the group of people who frequently faces rejection whenever they apply for a credit card. The reason could be lack of income or income proof, poor or no credit history/score, or any other. A secured credit card, as the name implies, is a credit card issued on some collateral.

Unsecured Credit Cards

Most credit cards on the market are unsecured credit cards. When you apply for an unsecured credit card, the credit card issuer will use your personal information, such as annual income, along with your credit score to determine your eligibility. Because unsecured credit cards aren’t backed by any kind of deposit like a secured card is, your card issuer won’t have access to funds to handle any unpaid debt you have on your account.

SBI has launched a new Credit Card named BPCL SBI CARD OCTANE in partnership with Bharat Petroleum Corporate Limited (BPCL), which is a Facelifted version of Fueling Credit Card. On other hand SBI SIMPLY SAVE Credit Card offers a great deal on Shopping Categories and all your spends. To make you choose, which credit card best suits you best, we have given benefits and features of both cards following in detail:

For more information, refer to: https://karannegi.wixsite.com/creditguide/post/bpcl-sbi-card-octane-vs-sbi-simply-save

BPCL SBI CARD OCTANE

This card is an upgraded version of BPCL SBI CARD. On select Bharat Petroleum Gas stations, this card will provide you 7.25% value back on fuel transactions. With joining fees of ₹ 1,499, you will receive ₹ 2,000 reward points as a welcome gift. This card also offers you 10X accelerated rewards on various categories, including dining, groceries and movies etc.Maximum benefit offered by this card is on Fuel Transactions.

SBI SIMPLY SAVE

This credit card is best for everyday spends. SBI SIMPLY SAVE Credit Card will help you gain more reward points on select categories like, store purchase, dining, movies and grocery. This card has joining fee of ₹ 499 and gives you 2000 bonus reward points on spending ₹ 2000 within 60 days. Credit Card enables you to earn 10X reward points on your purchases.

Rent payments are one of the highest expenses you may incur in a month. At certain times, you may find it difficult to pay the rent on time. Under such circumstances, the rent can be paid by using your credit card. Making payments through credit cards not only works as an ideal substitute for cash but also brings in many benefits and rewards. However, as in all matters, there is a downside too, to paying rent through credit cards.

For more information, refer to: https://nayanmahorr.blogspot.com/2022/09/benefits-of-paying-rent-with-credit-card.html

Advantages of Paying Rent with Credit Card

Increase Your Credit Score:Using your credit card for bigger purchases regularly can help you maintain a good credit score. If you can pay your credit card bill on time, paying rent via credit card can be the easiest way of maintaining a high credit score and a good credit history. 

Timely Payment Without Any Hassle: If you have exhausted your savings and your salary comes late, lack of liquidity can be stressful, especially when your rent for the month is due.

Enjoy Interest-Free Repayment of Credit Card Bill: When you pay the rent online using your credit card, you get an interest-free period of around 45 days to pay the credit card bill. 

Manage Luxury Expenses: If the festive season is around or it is your spouse's /child’s birthday next month and you know you may have to deal with more expenses than usual, paying rent using a credit card would be a great idea. 

Manage Cash During Credit Crunch: You may encounter a situation when you are running low on cash and worry about paying your rent using liquid money.