SBI SimplyCLICK Credit Card is an entry-level credit card that is best suited for frequent online shoppers. This credit card offers extra rewards and benefits on online transactions at different partner brands like Amazon, BookMyShow, Cleartrip, Lenskart and more. Additionally, you can also earn privileges like complimentary gift vouchers, fuel surcharge waiver and annual fee reversal via this credit card.

For more information refer: https://www.behance.net/gallery/156674897/SBI-SimplyCLICK-Credit-Card

Benefits:

1. Welcome Offers:

Get ₹500 worth Amazon.in Gift Card on payment of first annual fee (Gift card will be redeemable on Amazon and will be valid for a period of 12 months from the date of adding the voucher to Amazon Pay).

2. Shopping rewards:

Earn 10x reward points on shopping online on Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart, Netmeds, and Urbanclap. 5x reward points on all other online spends. 1 reward point on every ₹100 spent using the card.

3. Flexipay:

This feature converts your transactions into easy EMIs. After making a purchase for INR 2,500 or more using this card, users can log in with their username and password to the bank’s website within 30 days of purchase to convert it into EMIs.

If you are someone who enjoys shopping, then the SimplyCLICK SBI Credit Card is a must-have. The SimplyCLICK SBI Card offers amazing discounts on your daily purchases. It comes pre-equipped with exciting features such as fuel surcharge waivers, cash on the go, premium security and much more. You even get access to the special rewards program and can enjoy exciting vouchers on joining as well as milestone spends, just about every time you swipe it.

IndusInd Bank Legend Credit Card is a super premium credit card that is best suited for people who frequently travel and want to earn reward points. Apart from travel, this card also provides benefits on multiple categories, including dining, shopping, entertainment, golf and more. It is a chip-based contactless credit card that makes transactions seamless, be it online shopping, payment at stores or cash withdrawal through ATM. Read on to know more about this credit card.

For more detailed information visit: https://www.behance.net/gallery/156320461/IndusInd-Legend-Credit-Card

Benefits:

1. Welcome Benefits:

Get luxury vouchers for your travel and shopping needs for brands like Oberoi Hotels, Montblanc, Louis Philippe, Hush Puppies, Urban Ladder, Charles & Keith, Luxe Gift Card, etc.

2. Total Protect:

Total Protect provides cover for unauthorised or fraudulent transactions at merchant establishments to the extent of the credit limit of the primary card and add-on cards. The cover will be available up to 48 hours before reporting the loss or theft of the card to the bank.

3. Airline miles on InterMiles:

· This facility is for inter mile members as they can redeem their Reward Points on IndusInd Bank credit card for InterMiles.

· Accumulated Reward Points should not be less than 500.

· Aggregate of Reward Points should be a multiple of 100.

· 100 Reward Points = 100 InterMiles

4. Dining benefits:

· Get joining bonus of 2000 points on EazyDiner.

· Get up to 50% discount at premium restaurants and bars.

· Get complimentary cake on birthday/anniversary at selected restaurants.

· Get 50% off when you take away a birthday or anniversary cake.

HDFC Bank Millennia Credit Card

HDFC Millennia Credit Card is best suited for millennials who frequently shop online and want to earn significant value-back on all their spends. It is one of the best cashback credit cards in India and offers up to 5% cashback on online transactions and 1% cashback on all other spends.

For more information visit: https://www.behance.net/gallery/156503829/HDFC-Bank-Millennia-Credit-Card

· Key Features of the HDFC Bank Millenia Credit Card:

1. Cashback of 2.5% on all online purchases (on minimum purchase of Rs.2,000).

2. 5% cashback on Flipkart, Amazon, and flight & hotel bookings done via SmartBuy and PayZapp.

3. 1% cashback on all offline purchases and wallet reloads (minimum purchase of Rs.100)

4. 1% waiver on fuel surcharge. The maximum waiver allotted is Rs.250 per month.

5. 8 domestic lounge visits per year are provided on a complimentary basis.

As the name suggests, the HDFC Millennia Credit Card is thoughtfully designed to cater to the lifestyles and aspirations of millennials. Best suited for the people who have a high standard of living, this credit card from HDFC Bank primarily focuses on cashback rather than reward points. This lets you earn up to 5% cashback on online transactions and 1% cashback on all offline spends. Now enjoy shopping like never before and get rewarded for every spend with this HDFC Credit Card.

Pros And Cons Of Having Multiple Credit Cards

If you are an existing cardholder, it is implied that the fear of stepping into an unmanageable debt trap would not let you buy another credit card. However, this fear does not act as a barrier to having multiple credit cards for the ones who are financially disciplined.

For more information refer to this article: https://increaseyourcredit.blogspot.com/2022/11/pros-and-cons-of-having-multiple-credit-card.html

Pros:

1. Multiple Rewards:

One obvious benefit of carrying multiple credit cards is that you can take advantage of various reward schemes. You can use the card that gives the best grocery rewards at the grocery store and use the travel rewards card to buy airline tickets.

2. Improves credit score:

The only key to having a good credit score is to use your credit card effectively. Proper usage and timely payments of your credit card bills can help improve your credit score to a great extent, let alone maintain it. Having multiple credit cards will directly multiply the benefits and effective use of each will improve your credit score to a great number.

Cons:

1. Difficult to Manage:

Having more than one card means keeping track of each billing cycle, credit limit, and payment due date. This can get overwhelming and missing even a single payment due date can have an effect on credit scores.

2. There is an increased debt risk:

While having multiple credit cards provides you access to a greater credit limit, it also increases your debt risk. You may end up spending more than you should. If you don’t use your credit cards wisely, you may even fall into a debt trap.

When choosing the best credit card, there is no 'one-size-fits-all'. you need to identify your financial needs and narrow your choices by asking the right questions. thus, choosing from a limited pool of options would be easier. In India, the credit card user base in 2019 reached 47 million, and the market is anticipated to increase by more than 25% during 2020-2025. this is mainly because of the ‘buy first and pay later’ attitude prevalent in younger generations.

For more information refer to this article: https://www.articledive.com/which-credit-card-is-suitable-for-me/

Some of the best credit cards are listed below:

1. Axis Bank's Pride Signature Credit Card:

Axis Bank's Pride Signature Credit Card is the best travel rewards card with an easily achievable annual fee waiver. The first year is free but you would technically be charged Rs500 in the following years if your annual spend is less than Rs40,000. The bulk of the Card's value comes from general spending, with a great 1.6% cash-back on all transactions except fuel.

2. SBI Card Elite:

Possibly one of the best premium credit cards, SBI Card Elite is a perfect companion to your elite lifestyle as it gives benefits across multiple categories including shopping, travel, movies, rewards, and more. Welcome e-gift voucher worth Rs. 5,000 from Yatra, Bata/Hush Puppies, Pantaloons, Shoppers Stop, and Marks & Spencer.

3. Axis Bank Ace Credit Card:

Axis Bank Ace Credit Card is a good option for beginners looking for a high cashback rate at a nominal annual fee. The card offers up to 5% cashback on bill payments and online food delivery along with other benefits such as airport lounge access and dining discounts. The best feature about this card is that there is no upper limit on earning cashback.

The ICICI Bank Rubyx credit card is a dual credit card. This means that you can avail the benefits of 2 credit cards from a single account. Like coral credit cards, the ICICI Rubyx Card comes in two variants - MasterCard or Visa. Furthermore, the ICICI Rubyx card is ideal for users with relatively high annual expenditures.

For more information refer to this PPT: https://issuu.com/kartik745/docs/business_strategy

Benefits of an ICICI Rubyx Visa Credit Card:

As a welcome gift, customers who avail an ICICI Bank Rubyx Credit Card can also get a complimentary pair of Sennheiser HD219 Headphones, after they pay the joining fees. The gift will be delivered within 30 days of fee payment.

You stand to earn a large number of payback points by making a large transaction through the Rubyx credit card. You can earn 3,000 points on spending ₹3 lakh on your card, and 1,500 points on spending over ₹1 lakh.

ICICI customers have to pay a joining fee of Rs 3000 plus service tax when they procure the ICICI Bank Rubyx Visa Credit Card. An annual fee of Rs 2000 plus service tax has to be paid by card holders from the second year and this fee will be waived off if the customer spends over Rs 2, 50, 000 the previous year.

On bookings made through Bookmyshow, get a complimentary movie ticket free under Buy 1 Get 1 Offer on a monthly basis. Every month, you will get 2 movie tickets free worth up to ₹250. The Culinary Treats Program brings to you a selection of more than 2500 restaurants across 12 major cities with a minimum discount of 15% on each dining bill.

Premium credit cards offer the best of lifestyle privileges and benefits that you can't expect from a regular credit card. A few high-end facilities offered by such cards are free to lounge access to domestic and international airports and an exclusive reward points program. The Super Premium Cards offer high credit limits, reward rates, unlimited lounge access, better card-linked benefits, and much more. The features present in the super-premium credit cards make them status symbol credit cards. One can avail of the best-in-class rewards and fine dining discounts.

For more information refer to this article: https://personalfinancebyrajat.blogspot.com/2022/10/best-premium-credit-card-everything-you.html

The best premium credit cards in India:

We showed you the best premium travel credit cards on the market. Picking a card from this list depends on what you value the most in your travel experience — but a general premium travel credit card is best for most travelers. Premium credit cards are loaded with certain types of features and benefits which separate them from regular credit cards. The premium benefits in these cards also mean that the fees and charges for some of them might be higher than those of the regular cards. These cards provide the widest range of benefits and will reward you for spending in certain categories.

If you’re an individual who wants only the best of the best features and benefits from your credit cards, then the Citi Prestige Credit Card may just be what you’re looking for. One of the many elite credit card offerings from Citibank, the Citi Prestige Card offers a host of benefits such as reward point accumulation on card spends, accident insurance, and complimentary access to multiple services. Wish to know more about this luxury credit card? Continue reading to find out all about it.

For more information refer to this PPT: https://issuu.com/kartik745/docs/citibank_prestige_credit_card

Let's look at the advantages this card offers:

1. A Generous Welcome Bonus:

When you’re approved for a Citi Prestige Card, you’ll be offered a welcome bonus worth hundreds of dollars when redeemed for travel. The bonus is earned after completing a minimum spending requirement in the first 3 months after card approval.

2. Redeeming points:

Redeeming the ThankYou points you earn with your Citi Prestige Credit Card is easy: Using Citi’s ThankYou Rewards portal, you can redeem points for travel, gift cards, Amazon and PayPal purchases, statement credits and cash.

3. Gift Cards:

The Citi ThankYou points program offers redemptions for gift cards at a variety of restaurants and retailers, with redemptions starting at 1,000. Citi occasionally runs sales on gift cards for certain brands. Citi also offers redemptions for Happy gift cards, which can be used at a variety of merchants in a category (such as restaurants or home improvement) like a prepaid credit card.

The Citi Prestige Credit Card is a premium lifestyle credit card offering air miles and reward points. Enjoy complimentary night stays at participating hotels, complimentary rounds of golf, complimentary priority pass access to airport lounges, fast track immigration at airports, and more.

For more information refer to: https://6225ebd1d8471.site123.me/blog/what-are-the-perks-of-citi-prestige-credit-card

Lets look at the advantages this card offers:

1. Welcome Benefits

• Get 2,500 reward points as a welcome gift.

• Get benefits worth Rs. 10,000 from Taj Group or ITC Hotels every membership year.

• This offer is valid only for cards issued in India for primary card members of Citi Prestige.

2. Up to 2X Reward Points

You can earn up to 2X reward points on your overseas transactions and later redeem them against cash, Air Miles and Taj Inner Circle point. Here are all the details:

• 1 reward point per Rs. 100 spent domestically (online & in-store)

• 2 reward points per Rs. 100 spent internationally

• 1 reward point = 4 Air Miles/ 1 Taj Inner Circle point

3.  Complimentary Privileges

The Prestige card from Citibank opens you up to a world of complimentary privileges like free unlimited worldwide lounge access, free 5th night stay at select hotels, luxury airport transfers at 20 to 25% discounts, and four free rounds of golf at select golf courses in India.