AU small Finance bank – one of the popular small finance bank in the country has come up with a range of credit card offerings to the public. It’s probably the only small finance bank in the country to provide independent credit card services. 

AU Small Finance Bank offers different credit cards suitable for different requirements of customers. You can choose AU SFB for rewards, cashback, discounts, fee waivers, and much more. 

Here is a list of four AU SFB Credit Cards along with their features, fees, etc. 

AU Bank Zenith Credit Card

AU Bank Vetta Credit Card

AU Bank Altura Plus Credit Card

AU Bank Altura Credit Card

AU Small Finance Bank LIT Credit Card

Features of AU Bank Credit Cards

You get airport and lounge access with a few AU Bank credit cards

There is no joining fee for the credit cards.

The interest ranges between 1.99% to 3.49%.

10X/5X reward points on all online domestic & international retail transactions

5% cashback 3 times over a 90 days period

For more information refer to: https://theomnibuzz.com/au-small-finance-bank-credit-card-everything-you-need-to-know/

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. Read on, to know more about SimplyCLICK SBI Card.

For more information refer to: https://visual.ly/community/Infographics/business/sbi-simplyclick-credit-card

HDFC Bank offers a Credit Card Rewards Programme called MyRewards to its credit cardholders that makes shopping a rewarding experience. Each credit card is eligible to earn reward points based on the type of the card. Reward points are awarded for expenses on the HDFC Bank credit card. Once a customer has accumulated at least 500 reward points, they can redeem it from a number of options ranging across products, gift vouchers, discounts and air miles. 

Below mentioned are a few things that you must keep in mind before earning or redeeming the credit card reward points:

A minimum of 500 points are required to initiate rewards redemption

You are required to fill out a reward redemption form to redeem the earned reward points

Note down the Redemption Order Number for future queries or complaints

The items will be sent to your registered communication address. If you want the same to be delivered at a different address, you can speak to HDFC credit card customer care

For more information refer to:  https://personalfinancebyrajat.blogspot.com/2022/11/how-to-redeem-rewards-points-in-hdfc.html

The Millennia credit card is one of the most sought-after cards from HDFC Bank, majorly due to the offers and benefits the card comes with. This HDFC card is available for a membership fee of Rs.1,000 plus applicable taxes for the first year and Rs.1,000 plus applicable taxes of renewal membership fee. You can get a waiver on your renewal fee for the next renewal year if you spend Rs.1 lakh in 1 year.

HDFC Millennia Credit Card Benefits & Features

Get Rewarded for Every Spend

With the Millennia credit card, you can get 5% cashback on Amazon, Flipkart, Hotel & Flight bookings on shopping via PayZapp and SmartBuy. Also, enjoy 2.5% cashback on all online spends and 1% cashback on all offline spends and Wallet reloads.

Zero Liability on Lost Card

In the unfortunate event, loss and theft of the card, report immediately to 24x7 HDFC credit card customer care and you'll have zero liability on any fraudulent transactions made on your card.

Lounge Access

Enjoy 8 complimentary domestic airport lounge access per calendar year (2 in a quarter and Rs. 2 will be charged per swipe on your HDFC Millennia credit card).

For more information refer to: https://visual.ly/community/Infographics/business/hdfc-bank-millennia-credit-card

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.

Key Highlights of the IndusInd Bank Legend Credit Card

• Accelerated reward points on weekend spends.
• Fuel surcharge waiver of 1%.
• Comprehensive and complimentary golf program.
• Buy One Get One offer on movie ticket bookings from BookMyShow.

IndusInd Bank Legend Credit Card Limit

The limit of the IndusInd Bank Legend Credit Card is given at the discretion of the bank. The IndusInd Bank will be considering a number of factors before assigning the credit limit for the card. Some of these factors are the annual income of the primary applicant, the credit score, and the repayment habits of previous debts.

For more information refer to: https://visual.ly/community/Infographics/business/indusind-legend-credit-card

Credit cards can provide an array of benefits, from 0% interest financing to free shipping access, but perhaps one of the most lucrative perks is the potential to earn rewards.Rewards cards come in all shapes and sizes, providing you with cash back, points or miles that you can redeem for statement credits, travel, gift cards and much more. But if you take certain actions, like carrying a balance, you may negate any rewards you earn.

To help you make sure that you don’t miss out on the best rewards out there, we’ve put together a list of five ways you can get the most out of your credit cards’ rewards programs.

Choose the right cards

There’s no best credit card out there for everyone. The right card for you depends on your spending habits, your personal preferences, and your credit score.

Spending habits 

Personal preferences

Credit score

Use your cards for everything

Know what doesn’t generate rewards

Pay off your balance in full

Redeem your rewards the right way

Rewards credit cards have a lot to offer, but it may require a little extra legwork and brain power to get the most out of yours. And if you do it right, you could score hundreds of dollars, if not thousands, worth or rewards each year.

For more information refer to: https://divyanegii.blogspot.com/2022/11/ways-to-get-most-out-of-your-rewards.html

Cashback is the simplest form of benefit a credit card can offer. You spend money and you get real value back, instead of earning rewards and later redeeming them for cash, vouchers or other items. There are several cashback credit cards in India, most of them offering extra cashback on select spending categories. There is no single cashback card to match everyone’s needs so you should pick the right credit card based on how you spend your money.

Choosing a card that meets your spending behaviour thus gives you more benefit compared to a regular cashback card. When used properly cashback credit cards significantly reduce you cards annual maintenance. Here are the best cashback credit cards offered by top banks. Make sure to choose one based on your spending pattern.

Features and Benefits on Cashback Credit Cards:

2 reward points on every Rs.150 spent.

4 reward points on every Rs.150 spent on online shopping.

Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.

Free accidental death insurance up to Rs.50 lakh.

How we picked these cashback credit cards?

The main criterion for us has been the value back that each of these cards offer. We have also covered different spending categories from supermarket spends, fuel and groceries to those with comprehensive cashback benefits across multiple categories. Most of the cards in our list are from ‘low to moderate’ fee range and thus suited to the needs of many. 

For more information refer to: https://cardinsider.mystrikingly.com/blog/how-to-choose-a-cashback-credit-card

A global provider of financial services with its headquarters in New York City, American Express began operations in 1850 and issued the first American Express® card in 1958.

A Gold Card is a charge credit card offered by American Express other than a Platinum Card. These Charge Cards are special as they do not have a pre-established credit limit. American Express has updated the Gold Card's offer/discount catalogue, making it an even more attractive option.

Gold Card offers followings Rewards and Benefits:

Bonus rewards on dining, supermarkets and certain travel

4 Membership Rewards points when you dine at restaurants. This includes takeout.

1 point on all other spending.

3 points on flights booked directly with airlines.

Travel and entertainment perks

Discounts in association with some of the most prestigious hotel chains, 10% off Air Vistara tickets.

with promo code AMEXGOLD, get upto  50% off on OYO Rooms 

For select events, cardholders will have access to presale and/or preferred seating tickets purchased with their American Express® Gold Card.

You can be covered for lost, damaged or stolen baggage when you purchase your entire ticket on your card.

When you use your American Express® Gold Card to reserve and pay for your car rental, and decline the collision damage waiver at the rental car counter, you can be covered if the car is damaged or stolen.

For more information refer to: https://www.edocr.com/v/zzawzxgr/Cardinsider/american-express-gold-card

With the price of fuel rising every year, a lot of people are looking for credit cards that could help them save on their fuel expenses. While most of the cards offer a certain amount of fuel surcharge waiver per month, there are cards designed specifically to cater to your fuel needs. Such cards help you save in the form of cashback, accelerated reward points, co-branded benefits and more. The annual fee of these credit cards ranges from zero to Rs.1,000, along with an interest rate ranging from 3.25% per month to 3.40% per month. Apart from offers and benefits on your fuel expenses, these cards also provide a wide range of offers in other categories, such as entertainment, dining and shopping as well.

How to Apply for a Fuel Credit Card?

An individual can apply for a Fuel Credit card by visiting the nearest branch of the bank from which he/she wants to avail of the card or apply online. The applicant needs to fill out the application form and provide the documents asked for to get himself/herself the Fuel Credit card and cut down on fuel expenses.

Reasons to use a credit card for fuel purchases:

Paying at the Pump with a Credit Card Saves You Time

Paying at the Pump with a Credit Card Allows for Social Distancing

Purchasing Gas with a Credit Card Makes it Easier to Track Gas Expenditures

Purchasing Gas with a Credit Card Can Be Safer

Purchasing Gas with a Credit Card Frees Up Your Money

You Could Earn Rewards for Buying Gas with a Credit Card

For more information refer to: https://cardinsider.blogspot.com/2022/10/should-i-use-credit-card-at-fuel-station.html

There are steps you can take in order to minimise the potential repercussions that accompany missed payments. It is always best to pay your monthly payments on time and in full, but even the most organised cardholder’s can miss a payment.

How bad can it be to miss or be late on one credit card payment? It’s not the end of the world or even your credit. But it could cost you — in late fees, higher interest rates and by lowering your credit score. Here’s what happens.

For more information refer to: https://deepshikhapanwar.blogspot.com/2022/10/what-happens-if-you-miss-credit-card.html

Late payment fee: 

In most cases, you’ll be hit with a late payment fee.If your credit card bill is 30 days past due, a late fee will be added to your minimum payment and any promotional APRs could be revoked. 

Your credit score will take a hit:

Payment history makes up 35 percent of your FICO credit score, making it the single most important factor when determining your credit score.

Your interest rate may go up:

In addition to the late fee, your current interest rate will be applied to your balance. 

There are steps you can take to minimize the damage:

Make the payment as quickly as possible. 

Focus on rebuilding your credit score.

Avoid repeating this mistake.

Add positive information to your credit report.