When it comes to leveraging plastic, it is often said that the most delightful experience is a ‘light touch’ experience i.e. an ecosystem which enables cards to be accessed and  transactions to be settled with minimal hurdles and maximum ease. Credit cards and buy now pay later (BNPL) cards are being offered on the aforementioned foundation, as these cards are now introducing a regimen of seamless journeys, be it online or offline.

For more information refer to: https://increaseyourcredit.blogspot.com/2022/10/credit-cards-vs-bnpl-cards-know.html

What Is Buy Now, Pay Later?

Buy now, pay later is a type of short-term financing. BNPL plans often charge no interest and no fees, with the exception of late fees for missed payments. These point-of-sale installment loans are offered by a number of companies.

How do credit cards differ?

Traditional credit cards might have evolved into ‘Pay-later’ schemes, but today’s millennial customers hold back their usage due to low transparency, high fees, and high-interest rates. So, they aren’t ideal for those without credit histories. 

Buy Now, Pay Later vs. Credit Cards: Which Is Better?

Buy now, pay later plans and credit cards are both options to consider when making purchases online or in stores. But each has some advantages and disadvantages.

The Citibank Prestige Credit Card is a high-end card that provides rewards, Air Miles, and free gift cards along with travel and lifestyle features. You can get discounts and free stays at some hotels when you use this card. If you are a regular traveller and want to take advantage of premium benefits, this is the best choice. The yearly charge for this card is expensive, at Rs. 20,000.

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

Key Highlights of the Citi Prestige Credit Card

10,000 welcome air miles upon applying.

Up to 2 reward points per Rs.100 spent.

Complimentary night stays at participating hotels.

Features and Benefits of the Citi Prestige Credit Card

Annual/ Welcome Benefits

Welcome gift of 2,500 reward points (equal to 10,000 air miles) within 60 days from the first transaction in a membership year

Up to 2X Reward Points 

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

2 reward points per Rs. 100 spent internationally

Other Benefits

Airport Meet & Assist Service: Dedicated escorts that guide you through all aspects of the arrival, connecting or departure process.

Concierge Service: 24×7 concierge services to make travel-related bookings, gift deliveries and more.

Citibank Prestige Credit Card is a premium card that offers travel and lifestyle benefits in the form of rewards, Air Miles and complimentary vouchers. With this card, you can avail discounts as well as complimentary stays at selected hotels. This is an ideal option if you are a frequent traveller and want to avail premium benefits. However, this card comes with a high annual fee of Rs. 20,000. Read on, to know more about this credit card. 

For more information refer to: https://www.slideserve.com/kartik7/citibank-prestige-credit-card

Key Highlights of the Citi Prestige Credit Card

10,000 welcome air miles upon applying.

Up to 2 reward points per Rs.100 spent.

Complimentary night stays at participating hotels.

Features and Benefits of the Citi Prestige Credit Card

Welcome Gift and Annual Bonus

Reward Points

Airport Lounge Access

Bottom line: 

Though the reward rate may look eye catching, this card is only for those who can play smart with Points & Miles with Airline and hotel loyalty programs. That being said, its on my wish-list for quite a time and i hope i’ll get them someday, when the need arises!

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. Read on to know about its features, benefits and other details.

For more information refer to: https://www.edocr.com/v/nyavkyon/Cardinsider/hdfc-bank-millennia-credit-card

Key Features of the HDFC Bank Millenia Credit Card

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

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

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

Other Benefits: Complimentary Domestic Lounge Access.Annual Fee Waiver, Fuel Surcharge Waiver

Fees and Charges: Joining fee for  HDFC Millennium Credit Card is ₹ 1,000.

HDFC Millennia Credit Card offer benefits on everyday brands like Zomato, Uber, Flipkart, Amazon, etc. which turns out to be its unique selling proposition. Though a lot of credit cards are now focusing on such practical spend categories, Millennia was among the first few cards to come up with these features.

Credit limit, as the name indicates, is the purchase limit set by the credit card company or a bank on a particular credit card. The limit, which is usually in terms of money, is the maximum amount the user can spend using the credit card. However, if consumers want to raise their credit card limit and are dissatisfied with their current limit, they can do so in the following ways:

For more information refer to: https://cardinsider.mystrikingly.com/blog/how-to-increase-credit-card-limit

Ways to increase Credit Limit

Use Your Card: The bank will increase your card's credit limit automatically if you use it frequently and make on-time, complete payments for all of your bills.

Request to increase Credit Limit: Depending on the justification you gave for the request, most banks will boost your credit card limit if you ask them to. You can go to the bank's branch or submit a request online to raise the limit.

Pay Your Bills on Time: Your credit score may rise if you pay your credit card payments consistently and on time, and the bank will view you as a trustworthy cardholder. Banks frequently increase your credit card limit as a result.