Amazon Pay ICICI Card is one of the most popular cashback credit cards in India offering up to 5% cashback on Amazon and 1% flat cashback on all other transactions. Co-branded with one of the biggest e-commerce websites- Amazon- the card quickly gained popularity in India, especially because of its ‘free for lifetime feature’. The Amazon Pay ICICI Bank Credit Card is the first credit card in the country which allows customers to shop on Amazon.in and earn rewards against the same.

For more information refer to: https://at.tumblr.com/cardinsider/amazon-payments-the-icici-bank-credit-card-is-a/j9g2jfu6qaax

Amazon Pay ICICI Credit Card Features and Benefits

• No annual fee or joining fee
• No cap on the reward points earned on the card
• No expiry date for the reward points earned on the card

Rewards on ICICI Amazon Pay Credit Card

• If you’re an Amazon Prime member, you get a cashback of 5% on all purchases made on Amazon.in. 
• If you’re a non-Prime member, you get a cashback of 3% on all purchases made on Amazon.in. 

Eligibility Criteria for the Amazon Pay ICICI Bank Credit Card 

• Must be18 years old and salaried employee.
• You must have a minimum monthly income of ₹25,000 if you are an ICICI employee and ₹ 30,000 if you are not.
• You must reside in a city that’s serviceable by the bank.

Diwali, the festival of lights, is an occasion that is celebrated by all the people in this country. It is celebrated as a victory mark of good over evil. People decorate their houses with candles, light crackers, share sweets and enjoy themselves with their loved ones. Most of us, who live far away from our homes for work related purposes, find it as the right time to visit their family during Diwali. It is one of the happiest times of the year which brings everyone closer.

For more information refer to: 

https://divyanegii.blogspot.com/2022/10/best-credit-cards-for-this-diwali-season.html

Following are the best credit card for this diwali season:

SimplySAVE SBI Card

The SimplySAVE SBI Card lets you save on your everyday spends. The first-year fee (joining fee) is Rs.499. You pay Rs.499 as the annual fee from the second year onwards. This amount is waived if you charge more than Rs.1 lakh to your card in a year.

HDFC MoneyBack Credit Card:

HDFC MoneyBack is one of the most popular entry-level credit cards in India which offers cashback on every transaction. The card offers 2X reward points on online shopping and 2 reward points on every retail spend. The benefits provided on this credit card are quite satisfactory as compared to the annual fee. 

Amazon Pay ICICI credit card:

Amazon Pay ICICI Card is one of the most popular cashback credit cards in India offering up to 5% cashback on Amazon and 1% flat cashback on all other transactions. Co-branded with one of the biggest e-commerce websites- Amazon- the card quickly gained popularity in India, especially because of its ‘free for lifetime feature. 

Shopping credit cards are specially designed for lifestyle benefits, for instance- discounts on apparel, footwear, electronics and others. These credit cards are beneficial for frequent shoppers. Apart from discounts and offers, a shopping credit card also features other benefits such as domestic lounge access, milestone benefits, complimentary gift vouchers, e-vouchers and annual fee reversal.

For more information refer to: https://cardinsiderin.wordpress.com/2022/10/18/benefits-of-using-credit-card-for-shopping/

Here under are the benefits offered by shopping credit card:

Additional advantages throughout the festive season:Shopping dominates the holiday season, isn't it? gifts, new clothing, home renovations, and decorations. If you are struggling with money, it becomes an issue. As a result, a credit card could be useful to you because it gives a line of credit in addition to other benefits.

Benefits offered by affiliate brands:It is recommended to opt for a credit card that is affiliated with a brand you love if you enjoy shopping and have a few favourites.

Ability to pay for immediate needs: Credit cards could be useful in an emergency. similar to an unforeseen family wedding or an unplanned trip.

Features of shopping credit cards:

These shopping credit cards redeem a percentage of transactions as cashback.

These shopping credit cards do not offer instant payback instead ensure gifts and rewards.

These shopping credit cards offer regular discounts on purchases made at particular online or offline stores·

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.edocr.com/v/2nxx2onn/Cardinsider/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!

One of the biggest issuers of credit cards in the world is American Express, usually referred to as "AmEx." It provides the general people with excellent credit cards.You can benefit from welcome incentives, travel advantages, rewards or cash back, and many other things with credit cards.

For more information refer to: https://karannegii.wordpress.com/2022/09/02/how-to-get-american-express-card-in-india/

Features and Benefits: 

Fuel Convenience Fee Waiver

Your convenience fee will be waived off on making transactions of up to Rs. 25,000 and 0.3% of convenience fee will be charged on transactions above Rs. 25,000, only at HPCL fuel stations.

Airport Lounges

Enjoy 4 complimentary domestic airport lounge access per quarter with your American Express® Platinum Travel Credit Card.

Eligibility Requirement

Candidates who are salaried and self-employed must be older than 18 years old to avail an AmEx credit card. You must have a credit score of at least 750 and stable source of income.

When talking about credit score, there are many myths or misconceptions that keep the borrower’s judgement clouded. A credit score is an important number when you plan to apply for a credit card or a new loan. Many times, your credit score is also fetched by insurance companies to decide your premium amount and/or coverage.

For More Information refer to: https://cardinsider.wixsite.com/cardinsider/post/myths-about-credit-scores-you-need-to-know

1. Checking credit score lowers it

It's the most common myth. In fact, regularly monitoring your credit score helps you track the progress and take actions to increase the score when needed. Checking your credit score is considered a soft inquiry and does not hurt your credit score. 

2. A good credit score means you are rich

false. As mentioned above, the credit score has nothing to do with your income. A credit score is used only to measure your credit risk. Your income may be low but if you have consistently paid your bills on time and have a good credit mix, you are considered a good credit risk. 

3. Debit cards can help build a credit score

Purchasing anything via debit cards is just like paying in cash. You are not borrowing from a lender but only using the money that’s already in your bank account. This does not impact your credit score in any way.

Many of us use credit cards irresponsibly and end up in debt. However, contrary to popular belief, if you can use the plastic responsibly, you're actually much better off paying with a credit card than with a debit card and keeping cash transactions to a minimum.

For more information refer to: https://karannegii.wordpress.com/2022/10/11/why-credit-cards-are-known-as-the-best-financial-tools/

Following we have given some of the reasons why credit cards are considered as best Financial Tools:

Cash Back

When you make purchases on cash back credit cards, you earn a small amount of money back, which can then go against your bill, reducing how much you owe.The value of cash rewards ranges depending on the card and typically can be anywhere from 1% to 6% of your purchase total. 

Rewards Points

Credit cards are set up to allow cardholders to earn one or more points per dollar in spending. Many reward credit cards provide bonus points for certain categories of spending like restaurants, groceries or gasoline.

They Protect Against Fraud

One of credit cards’ biggest advantages over debit cards is the level of fraud protection they offer.Say your credit card is stolen or someone finds your card information online. Even if the thief starts making purchases on your card right away, you won’t lose much money since charges to credit cards aren’t withdrawn immediately.

Every time you swipe your card for a transaction or expenditure, SBI credit cards offer reward points. You may maximise your savings by using these reward points to access perks in a variety of areas, like travel, lifestyle, retail, etc.

Your SBI Credit Card rewards points can be used to purchase items from a variety of product categories, including accessories, apparel, electronics, entertainment, dining, and home appliances. While you may use any SBI credit card to earn rewards points, each card has a separate rewards programme that may vary in terms of the value of rewards or the redemption possibilities available, such as hotel or airline reservations, gift cards, etc.

For more information refer to: https://www.articledaisy.com/how-to-redeem-sbi-credit-card-reward-points/

Redeem your Rewards points through the website by following mentioned steps:

Open the Official Website page

Select Rewards, then Redeem Rewards

Select the items from Reward Catalogue

At last click on Redeem Now

Redeem your Rewards points through the application by following mentioned steps:

Install SBI Mobile App through the play store

Go to Rewards and then Redeem Rewards

Select the appealing reward redemption offer after browsing through the list

Select Redeem Now