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The American Express SmartEarn Credit Card is a powerful financial tool designed to provide you with a rewarding and hassle-free spending experience. With a host of benefits tailored to your lifestyle, this card is your gateway to a world of convenience and savings.

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American Express SmartEarn Credit Card - Benefits & Features, Apply Now!

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American Express SmartEarn Credit Card is a decent entry-level card, particularly for those who value the brand AmEx. Check benefits and Apply!

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Best Credit Card For Complimentary Railway Lounge Access

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Best Credit Card For Complimentary Railway Lounge Access

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For frequent travelers who enjoy the luxury of train travel, finding the best credit card that offers complimentary railway lounge access can be a game-changer. Whether you're a business professional constantly on the move or a leisure traveler seeking a touch of elegance in your journey, having access to these exclusive lounges can greatly enhance your travel experience.

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Best Credit Card For Complimentary Railway Lounge Access - Review, Benefits & Apply Online

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Top Best Credit Card For Complimentary Railway Lounge Access in India 2023 on Card Insider. Check out the Features, Benefits, Fee and Apply online!

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HDFC Bank Diners Club Privilege Credit Card

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HDFC Bank Diners Club Privilege Credit Card

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The HDFC Bank Diners Club Privilege Credit Card is a premium card that offers exclusive dining and travel perks, including airport lounge access and accelerated rewards, making it ideal for those seeking luxury and convenience.

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HDFC Bank Diners Club Privilege Credit Card Features and Benefits

The Diners Club Privileges Credit Card has a lot of benefits across different categories, including shopping, rewards, travel, nd many more. All its features in detail are given below:

Welcome Benefits

Get complimentary annual membership of Swiggy One and Times Prime on spending Rs. 75,000 or above within 90 days of card issuance. The benefits are unlocked within 48 hours of achieving the target spend.
HDFC Bank Diners Club Privilege Credit Card Rewards

You get 4 reward points per Rs. 150 spent on retail.

Up to 10x reward points on spends made through the SmartBuy portal.

Get 5x (20) reward points per Rs. 150 spent on Swiggy and Zomato, where the bonus RPs are capped at 2500 per month.

You can earn a maximum of 2000 RPs per transaction on insurance spends.

Reward Redemption

These reward points can be redeemed at the SmartBuy reward portal for flight bookings, hotels.

1 reward point = Rs 0.5 on SmartBuy reward portal using the HDFC Bank Diners Club Privilege credit card

You can also redeem your reward points through net banking for Air miles, where 1 Reward Point = 0.5 Air mile

HDFC Bank provides an exclusive product catalog for reward redemption for HDFC Diner Club Privilege credit card where 1 reward point = Rs 0.35

1 Reward Point = Re. 0.20 for redemption against cash.

Maximum limit capped for hotel and flight bookings using reward points in 70% of the booking value.

Milestone Benefits

On achieving retail spends of Rs. 1,50,000 or above per calendar quarter, cardholders can choose a Rs. 1500 worth voucher from any one of Marriott, O2 Spa, Lakme Salon, Barbeque Nation, or Decathlon.

The benefit is unlocked within 48 hours of achieving the target spend amount, and the cardholder can download the voucher.

Dining Benefits

Get 5x (20) reward points per Rs. 150 spent on Swiggy and Zomato.

There is a capping of 2500 reward points per month on the accelerated 4x reward points while there is no capping on the normal rate of 4 reward points per Rs. 150 spent on Swiggy and Zomato.

You have to make a minimum transaction of Rs. 150 to be eligible for the reward points.

Airport Lounge Access

You get 8 complimentary lounge visits at 1000+ lounges around the world in a calendar year with the HDFC Bank Diners Club Privilege credit card. The lounge access can be availed by both primary cardholders as well as add-on cardholders.

The cardholder must spend Rs. 15,000 in the previous quarter to unlock the complimentary lounge access.

Golf Privileges

You get 8 complimentary rounds of golf every year with a maximum cap of 2 golf rounds per quarter.

Insurance Benefits

Fuel Surcharge Waiver

The 1% fuel surcharge is waived off for all fuel transactions worth Rs. 400 and more. The maximum fuel surcharge waiver is capped at Rs. 500 per calendar month.

Spend Based Renewal fee Waiver

The renewal fee of Rs. 2,500 is waived off if you spend Rs. 3 lakhs or more in the previous anniversary year.

Condition to make your HDFC Bank Diners Club Privilege Credit Card lifetime free: Activate one of SmartPay or One Assist or General Insurance or Balance Transfer on your card within the first 90 days of card activation and renew every year (any one product and one bill through SmartPay or two products/two bills via SmartPay).get an affordable credit card

Low Foreign Markup Fee

With HDFC Diners Club Privilege credit card, you pay a low foreign markup fee compared to other credit cards. Other banks charge you a foreign markup fee of around 3.5% but you are charged a markup fee of around 1.99% on the conversion amount.

Eligibility Criteria

Salaried Employees

Self-Employed Individuals

Age

21 Years to 60 Years

21 Years - 65 Years

Income

Minimum Rs. 70,000 per month

Minimum Rs. 8,40,000 per annum (as per ITR)

Should You Get This Credit Card?

You should get this credit card if you want to get an affordable credit card with decent benefits across multiple categories, including travel, dining, lifestyle, etc. Moreover, the card has a lower forex markup fee, so it is also suitable for those who often make foreign transactions using their credit card. Moreover, you can also make your card lifetime free by activating any of the above-mentioned facilities on your card. So, you should undoubtedly go for this card if you want to get maximum benefits with minimum charges.

Process of Application For The HDFC Bank Diners Club Privilege Credit Card

You can apply for the HDFC Diners Club privilege card online as well as offline at your convenience. To apply offline, you can simply visit the HDFC Bank branch nearest to you and fill in the offline application form for this credit card. Make sure to carry all the necessary documents, including Identity Proof, address proof, income proof, etc, To apply online, you can proceed as follows:

Visit HDFC bank's official website.

Under the section 'Borrow,' click on 'Cards' and then on 'Credit Cards.'

Scroll down and under the 'Lifestyle' category, click on HDFC Diners Club Privilege Credit Card.

Click on apply now.

Proceed further by filling in the digital application form.

Who Should Apply for the Credit Card?

For those who prefer a premium lifestyle, the HDFC Bank Diners Club Privilege is a nice credit card option. Whether you prefer dining, lifestyle, travel, and other benefits, the card offers it all. As a welcome benefit, you get a 1-year membership to Times Prime and Swiggy One, and earn accelerated 5x RPs on Zomato and Swiggy spends.

Moreover, you get bonus 10x reward points on spends made via SmartBuy. Complimentary airport lounge access, complimentary golf rounds, and other insurance benefits. If you are someone who frequently travels and makes spends in the foreign currency, you can benefit from the low 1.99% forex markup fee on the credit card. The card comes at a joining/annual fee of Rs. 2500 plus GST and it is certainly worth consideration.

Review

With an array of benefits across almost all the categories, the HDFC Bank Diners Club Privilege Credit Card becomes a great choice for individuals who are looking for a card with a decent annual fee and exclusive reward offers and benefits. The card provides you with an opportunity to make it a lifetime free card to use just by activating one of the facilities as mentioned above.

Moreover, other than the domestic & international lounge access it provides, the low foreign currency markup fee of the card makes it even more suitable for you to choose it in order to save a lot on your international transactions. What do you think about our HDFC Bank Diners Club Privilege credit card review? Do let us know in the comments section.

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HDFC Bank Diners Club Privilege Credit Card: Apply Online with Reviews

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HDFC Bank Diners Club Privilege credit card offers several complimentary memberships with its exclusive partners as a welcome benefit. Apply Now!

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AU Small Finance Bank Launches Business Cashback RuPay Credit Card

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AU Small Finance Bank Launches Business Cashback RuPay Credit Card

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AU Small Finance Bank is revolutionizing the way businesses manage their finances with the launch of the all-new Business Cashback RuPay Credit Card. This innovative financial tool promises to empower entrepreneurs and companies by providing them with exclusive benefits, rewards, and unmatched convenience.

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AU Small Finance bank is a commercial organization that started operations in April 2017 and serves almost 40 Lakh customers all over India. The bank recently joined forces with RuPay to launch the Business Cashback RuPay credit card exclusively for self-employed clients and small business owners. With this card, customers will find it easier to meet their financial requirements and take their business to the next level.

The CEO of NPCI, Dilip Asbe, and the CEO of AU Small Finance Bank, Sanjay Agarwal, were present during the launch of this credit card. The innovative Business Cashback RuPay credit card aims to provide a range of privileges and benefits to customers including 2% cashback, instant loans, interest-free credit period, and more.

The NPCI is constantly innovating in the banking industry, and with this credit card, NPCI and AU Bank want to serve the unique needs and requirements of MSMEs. Read on to know more about the credit card.

Business Cashback RuPay Credit Card - Features and Benefits

The new Business Cashback RuPay credit card by AU Bank is exclusively made for self-employed people and small businesses. MSMEs get a host of lifestyle, travel, and other benefits with this card. Here is what the new credit card offers -

2% cashback on spends

48-Day interest-free credit period

Instant loan facility

Up to 30% discount at more than 300 restaurants through the Silver Spoon Dining program

8 complimentary railway lounge access per year

1% fuel surcharge waiver

Fire, burglary, and housebreaking insurance coverage

These benefits will directly serve the needs of MSMEs and self-employed individuals. Additionally, AU Bank also plans to offer customized benefits to MSMEs with their credit card variants.

Bottom Line

The Business Cashback RuPay credit card is the ideal solution for MSMEs and self-employed people, promoting financial inclusion for them. The card helps small business owners fulfil their goals and achieve success in the near future. MSMEs comprise of the Indian economy's backbone and AU Bank has served this segment for more than 25 years now.

The Business Cashback RuPay credit card just shows the bank's commitment to the MSME segment and its innovative solutions. Also, recently the RBI announced that RuPay credit cards can be linked to UPI and used to make UPI payments. Therefore, the Business Cashback credit card can also be used on UPI. This credit card is sure to benefit lots of small businesses all around our country.

Let us know your thoughts about this Business Cashback RuPay credit card by AU Bank in the comments section.

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AU Small Finance Bank Launches Business Cashback RuPay Credit Card

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A new Business Cashback RuPay credit card perks, such as up to 2% cashback, make financial operations for businesses simpler.

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The Epitome of Forex and Prepaid Cards in India

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The Epitome of Forex and Prepaid Cards in India

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In the realm of financial convenience, the search for the best Forex and prepaid cards in India has become an essential pursuit. These versatile instruments offer a seamless means of managing international transactions and expenditures while ensuring security and control over one's financial resources.

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The Niyo Global card is launched by Niyo Solutions in partnership with Equitas Small Finance Bank. It is a premium high interest rate digital savings account that offers up to 7% interest on your savings and zero forex markup charges on international transactions throughout the world.
The Niyo Global card provides convenient and affordable ways to handle international payments in more than 130 currencies. You get domestic and international lounge access at all Indian airports and its user-friendly app with features like Global ATM Locator, real-time currency conversion, and much more.

Issuance Fee - Nil

Cash Withdrawal Charges - 3 free withdrawals per month, and Rs. 21 plus taxes from the 4th withdrawal onwards for Domestic ATMs.
Rs. 110 plus taxes for International ATMs.

Currencies Supported - More than 130 currencies supported

Cross-Currency Usage Fee - Nil

Additional Benefits - High 7% interest rate on your savings, complimentary lounge access, and user-friendly mobile application.

No TCS Up to Rs. 7 Lakhs -TCS is exempted on international spends up to Rs. 7 Lakhs per year. However, 20% TCS is applicable beyond the Rs. 7 Lakhs threshold.

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The Regalia ForexPlus Card is a sub-premium prepaid foreign exchange credit card by HDFC Bank. Although the card comes with zero annual fee, an initial fee of Rs. 1,000 is payable at the time of card issuance.

Regalia ForexPlus Card can be loaded in US Dollars. The best part about the Regalia ForexPlus Card is, not only that you are not charged any mark-up fee on transactions in USD, there is no cross-currency usage fee applicable on transactions done in any other currency either. You may refer to this article for more information on HDFC Regalia ForexPlus Card.

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Axis Bank Club Vistara Forex Card is a co-branded prepaid forex card by Axis Bank in collaboration with Air Vistara. The card comes with an initial issuance fee of Rs. 500 (plus GST), however, no annual membership fee is applicable on the card.

Axis Bank Club Vistara Forex Card can also be loaded in 16 different currencies including United States Dollar, Euro, Pound Sterling, Australian Dollar, Canadian Dollar, Swiss Franc, Japanese Yen, Singapore Dollar, Swedish Krona/Kronor, UAE Dirham, Saudi Royal, Thai Baht, New Zealand Dollar, Hong Kong Dollar, South African Rand and Danish Krone.

Since it is an Air Vistara co-branded forex card, you earn Club Vistara Points (CV Points) as rewards on Axis Bank Club Vistara Forex Card. You earn 3 CV Points for every USD 5 spent with the card. Apart from CV Points, you also get complimentary Club Vistara base membership. Other add-on benefits that you get with the Club Vistara Forex Card include cashback on international roaming packs and 24×7 emergency assistance during international travel.

Like most other forex cards, transactions made in the currency loaded on the card do not attract any foreign currency mark-up fee, however, a cross-currency usage charge of 3.5% of the transaction amount is applicable on transactions made in a currency other than the one loaded on the card. You may refer to this article for more information on Axis Bank club Vistara Forex Card.

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Axis Bank World Traveller Forex Card is another prepaid travel card by Axis Bank in collaboration with Germany-based Lufthansa airlines. Like the other two Axis Bank forex cards, the World Traveller Forex Card can also be loaded in 16 different foreign currencies including United States Dollar, Euro, Pound Sterling, Australian Dollar, Canadian Dollar, Swiss Franc, Japanese Yen, Singapore Dollar, Swedish Krona/Kronor, UAE Dirham, Saudi Royal, Thai Baht, New Zealand Dollar, Hong Kong Dollar, South African Rand and Danish Krone.

Like most other forex cards, no forex mark-up fee is applicable on transactions made in the currency loaded on the card, however, a cross-curremcy usage fee of 3.5% of the transaction amount is applicable on transactions made in a currency other than the one loaded on the card.

As it is an Air Lufthansa co-branded card, as a cardholder, you are entitled to complimentary membership of Air Lufthansa's Miles & More loyalty program. As far as the reward structure is concerned, you earn 5 Award Miles per USD 5 spent with the card. These Award Miles are added to the Miles & More account linked with your mobile number registered with the bank. Apart from the AirMiles, you also get a few other benefits like a cashback of up to Rs.1,000 on VI international roaming packs. You may refer to this article for more information on Axis Bank World Traveller Forex Card.

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Sapphiro Forex Prepaid Card is a premium prepaid forex card by ICICI Bank. The card comes with a hefty joining (issuance) fee of Rs. 2,999 (plus GST), and being a premium forex card offers plenty of add-on privileges like shopping vouchers, Uber vouchers, complimentary international lounge access with Dragon Pass, discounts on international roaming packs and many other benefits. There is no annual membership fee applicable on ICICI Sapphiro Forex Prepaid Card.

One differentiating feature of the Sapphiro Forex Prepaid Card is, just like HDFC Regalia Forex Card, no cross-currency usage fee is applicable on ICICI Sapphiro Forex Prepaid Card either, which means that you can transact in any currency without being charged any extra fee. You may want to refer to this article for more details on ICICI Sapphiro Forex Prepaid Card.

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Goibibo ICICI Forex Prepaid Card, as is obvious from the name, is a co-branded forex card by ICICI Bank launched in collaboration with the travel portal Goibibo. The card comes with an initial issuance fee of Rs. 499 (plus GST), while no annual fee is applicable on the card.

Since it is a Goibibo co-branded card, you get many Goibibo exclusive benefits with the card like goCash+ gift voucher worth Rs. 500 and Goibibo vouchers worth Rs. 15,000 with the card as a welcome gift. Apart from these Goibibo exclusive benefits, you also get cab vouchers worth Rs. 1,000 on loading a minimum of USD 1,000 on the card, discounted rates on dining at Indian restaurants across Kuala Lumpur, Dubai, London, Singapore, Hong Kong and Bangkok, and a comprehensive insurance plan with covers against air accident, checked-in baggage, loss of passport/ticket, etc. Check out this article for more details on Goibibo ICICI Forex Card.

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Coral Prepaid Forex Card is another prepaid forex card by ICICI Bank. The card comes with an initial joining fee of Rs. 499 (plus GST), however, an annual fee of Rs. 299 (plus GST) is applicable second year onwards.

Although ICICI Coral Prepaid Forex Card does not have a reward structure (like Reward Points of cashback), you do get plenty of value-added benefits with the card like BookMyShow and Uber vouchers, comprehensive insurance plan, complete card protection by OneAssist, etc. You may refer to this article for more information on ICICI Coral Prepaid Forex Card.

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What is Forex Card?

A forex card is a kind of prepaid card in which you can load money to spend in a foreign currency. Using a forex card, you can not only make online purchases is a different currency, but you can also withdraw cash in a foreign currency of your choice, provided that your card supports that currency. Many people think that forex cards are similar to credit cards, but it is not so. They can be similar only in terms of their benefits, but a forex card is much different from that of a credit card.

What are The Types of Forex Cards?

Forex cards are generally of two types of forex cards. These have been classified on the basis of number of currencies that they support. The following are the two major types of forex cards:

Single Currency Forex Cards: Single Currency Forex Cards, as suggested by their names, support a single currency and these card suitable for individuals who often travel to a particular country for some time. These cards can only be loaded in te one currency that they support.

Multi Currency Forex Cards: The Multi Currency Forex Cards support multiple currencies and can be used in different countries without much additional charges. Nowadays, most of the card issuers offer multicurrency forex cards so that the cardholders can travel all across the world with a single forex card.

Forex Cards - Features and Benefits

Like the general credit cards, some of the forex cards are also issued by the major card issuers in the country. These cards comes with various features and benefits across different categories. Some of the common advantages of the forex credit cards are as follows:

Rewards Rate: Some of the forex credit cards, such as the Axis Bank World Traveller Forex Card & Axis Bank Club Vistara Forex Card, also reward their customers in all their spends. As these cards are most suitable for international travelers, they offer travel-based rewards such as air miles, CV points, etc.

Support Multiple Currencies: Almost all forex credit cards support not just one or two, but multiple currencies and hence one can make transactions in different currencies and different countries without any hassle.

Lounge Access: Some of the premium forex credit cards also offer complimentary airport lounge access. These cards let you avail the airport lounge facility without paying the usage fee for it.

Other Features: Some cards also provide cardholders with complimentary insurance covers and zero liability protection against a lost/stolen card.

How to Use a Forex Card?

Unlike Credit Cards, a forex card doesn't come with a credit limit, but you need to load it on your own. Forex Cards are of best use when you are traveling to a different country as these cards allow you to make transactions in foreign currencies. Load your card as per your requirements and as per the currency of the country you are traveling to.

After that, you can very easily use your card just like a debit or a credit card. You can withdraw cash in a foreign currency using your forex card and also use it for online/in-store transactions anywhere.

How To Get a Forex Card?

Getting a forex card is as simple as getting a general debit card. The only difference is that you might have to submit a few additional documents like your Passport, Visa, and other travel documents. So, just check the eligibility and document requirements on the respective bank's official website or by contacting their customer care.

You can visit the branch with all the necessary documents and ask the bank officials if there is an offline procudure to apply for the card. If there is one, you can apply for the card by filling in the physical application form and completing all other formalities. You can also apply online for the card of your choice as follows:

Visit the respective bank's official website.

Find an option to apply for a forex card.

Choose the card of your choice.

Procced further to apply for it and fill in all the required details in the digital application form.

Documents Required To Apply For a Forex Card

The forex cards don't have very strict eligibility criteria in general, but there are some important documents that are required to get a forex card:

Copy of your passport and Visa.

Flight ticket copy.

Address Proof (required in case the address mentioned on your passport is different from your current address).

Latest bank statements/bank passbook, or canceled cheque.

What is the difference between forex cards & credit cards?

Many people consider Forex Cards and Credit Cards as the same things, but there is a huge difference between these two. The following table will help you understand the difference between the forex and credit cards in detail:

Comparison Between Forex Cards & International Debit Cards

International travelers often get confued about whether they should get forex cards or international debit cards as it might not be a good idea to visit a different country without any of these. In this article, we will help you understand why forex cards should be prefered over international debit cards:

Advantages of Using a Forex Credit Card for Foreign Travel

Using Forex Cards can be advantageous for international travelers in so many ways as these cards make their travels more convenient and hassle-free. All the benefits of forex cards are mentioned below:

Multi-currency forex cards support multiple currencies and hence the cardholders can travel to different countries without much hassle.

The Forex Cards don't charge a high foreign currency markup fee like that charged by credit and debit cards.

Forex Cards are widely accepted and hence can be used for offline as well as online transactions. Not only this, but you can also withdraw cash without so many additional charges.

The money you load in forex cards is valid generally for five years and hence you can use it again & again on your foreign trips. You can also transfer the money back to your savings account if required.

Why Do You Need a Zero Forex Credit Card

Foreign currency markup charges are applied when you make a foreign transaction with your card and it usually ranges between 2 to 3.5%. It seems low but it adds up fast when you are abroad and you will end up paying a lot of extra money. For international travel, zero forex credit card is a great choice and it offers many benefits to the cardholder.

No forex markup fee - You save a lot of money that would have gone as forex markup charges when exchanging currency. You can just swipe your card to make the payment and there is no need to pay extra currency conversion or forex markup fees.

No reloading charges - You will not be charged any reloading fee for loading money into your zero-forex credit card.

Best exchange rates - The forex cards have one of the best exchange rates and the rates are locked in when you reload money into the card and does not fluctuate based on the market.

Accepted worldwide - Another great benefit of forex card is that they are accepted at almost all merchant outlets across the world. You can use it to make spends or even withdraw money from ATMs no matter which country you are in.

Rewards - You can avail benefits of the rewards program on your forex card and earn reward points, airmiles, cashback, and more.

Fraud protection - When you use credit cards in a foreign country, the rate of fraud goes up a lot. Forex cards come with fraud protection and you will be safe when using them abroad for spends.

Do's and Don'ts While Using a Forex Card

To maximize the benefits of a forex card, the cardholders should keep certain points in mind, which are mentioned below:

Do's

Before you leave for a trip, make sure to check the PIN of your card at a local ATM.

Keep checking the available balance on your forex card after every purchase you make.

In case of any suspected/unauthorized transaction, contact your forex card customer care as soon as possible.

Try to make most of your transactions directly using the card rather than withdrawing cash to avoid cash withdrawal charges.

Don'ts

Don't leave your forex card inactive for a long time.

Don't make transactions in a currency different from the one that you have loaded on your card.

Bottom Line

While credit cards are an extremely useful financial tool, using credit cards while on foreign trips can cost you a lot as almost all credit cards charge you a mark-up fee of around 3.5% of the transaction amount (it may be less in case of some premium and super-premium credit cards) on transactions made in a foreign currency. Therefore, it is almost always a good idea to carry a forex card on foreign trips and use the same for foreign currency transactions.

As you can see above, SBI Multi-Currency Foreign Travel Card has the least issuance fee of just Rs. 100 amongst all forex cards and premium forex cards like HDFC Regalia ForexPlus Card and ICICI Sapphiro Forex Card can be used to make payments in any currency without any cross-currency usage fee. Then, there are also co-branded forex cards like Axis Bank Club Vistara Forex Card, Goibibo ICICI Forex Card, MakeMyTrip HDFC ForexPlus Card, etc. You must find the right forex card that suits your needs the best. For example, for someone who does not travel very frequently, a simple and less expensive forex card like SBI Multi-Currency Foreign Travel Card might be a good pick, on the other hand, if you fly frequently via a particular airline, say Air Vistara, an Air Vistara co-branded forex card like Axis Bank Club Vistara Forex Card will suit you the best.

FAQs:

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15+ Best Forex Cards India 2023 - Niyo Global, BookMyForex & Axis Bank Multi-Currency

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Best Forex Cards in India 2023 - Check out the Features, Benefits & Charges of the best prepaid cards from HDFC, SBI, ICICI, Axis Bank & more & Apply Online!

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Top Credit Cards for Maximizing Club Vistara Points in India

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Top Credit Cards for Maximizing Club Vistara Points in India

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In the vibrant realm of Indian travel enthusiasts, maximizing rewards is an art, and the canvas is painted with Club Vistara points. For those seeking to elevate their flying experiences, this guide unveils the finest credit cards that serve as potent tools for accumulating substantial Club Vistara points in India.

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Best Credit Cards To Earn Club Vistara Points/ Membership India - Card Insider

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Find here the list of best travel credit cards to earn Club Vistara points and membership in India. Check out the benefits, reward rate, joining fee, and Apply!

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Indulge in Luxury: The IndusInd Bank Platinum Credit Card

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Indulge in Luxury: The IndusInd Bank Platinum Credit Card

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Welcome to the world of luxury and convenience with the IndusInd Bank Platinum Credit Card. Designed to elevate your financial experience, this prestigious card offers a plethora of benefits, from exclusive travel privileges to unparalleled shopping rewards. Indulge in a seamless and rewarding credit journey with the Platinum Credit Card from IndusInd Bank.

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IndusInd Bank Platinum Credit Card: Benefits, Features, Review & Apply Online

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IndusInd Bank Platinum Credit Card - A decent credit card with a generous reward rate. Learn here about its features, eligibility, benefits, and Apply online.

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Experian Credit Report: Key Facts to Know

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Experian Credit Report: Key Facts to Know

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Your credit report plays a vital role in your financial life, and when it comes to understanding your creditworthiness, Experian is one of the leading credit reporting agencies. In this guide, we'll delve into the things you need to know about Experian credit reports, shedding light on their significance, components, and how they can impact your financial future.

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Things You Need To Know About Experian Credit Report

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Experian credit reports provide detailed information about your credit history, including credit scores, accounts, payment history, and inquiries.

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Freedom vs. Regalia: HDFC Credit Card Comparison

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Freedom vs. Regalia: HDFC Credit Card Comparison

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HDFC Bank, one of India's leading private sector banks, offers a range of credit cards tailored to meet various financial needs. Two popular options among customers are the HDFC Freedom Credit Card and the HDFC Regalia First Credit Card. Both cards come with unique features and benefits, making it essential to understand their differences and choose the one that aligns best with your requirements.

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The HDFC Bank, being the largest private sector bank & a popular credit card issuer, is trusted by millions of people and they prefer having an HDFC Bank Credit Card over the credit cards from any other bank or issuer. HDFC Bank offers a wide range of credit cards targeted at different segments of individuals and one such segment is the people who want basic credit cards with decent benefits. When we talk about basic credit cards offered by HDFC Bank, the HDFC Freedom Card and HDFC Regalia First Credit Card are two of the most sought-after options. Though there are lots of differences between the fees & charges and features of these credit cards, some individuals are still confused about which one they should go with.

On one hand, the Freedom Credit Card charges a lower annual fee and offers a decent reward rate, which might be sufficient for someone who just wants to save on his/her spends. On the other hand, the Regalia First Card offers some additional privileges with a slightly higher annual fee. So, it becomes difficult to decide which one will suit you the best. To help you out make the right decision, we are here with this comparison article where we will discuss the features of both these cards in detail and then will compare them on the basis of various important factors:

Read More: HDFC MoneyBack Plus vs HDFC Regalia First Credit Card

HDFC Freedom Credit Card

The HDFC Bank Freedom Credit Card is one of the most basic cards issued by the bank that is targeted at individuals who are not much experienced in the world of credit cards. It comes with a nominal joining and annual fee of Rs. 499, which can be waived off (second year onwards) on the basis of a cardholder's total annual spends. It comes with a decent reward rate on retail spends and offers accelerated reward points on utility and telephonic bills. Other than the rewards, the card has a few more advantages, which are as follows:

The cardholders get 500 bonus Cash Points as a welcome gift after payment of the joining fee.

The Card offers 1 Cash Point on every spend of Rs. 150.

You can earn 5x Cash Points on EMI transactions at selected merchant locations and 10x Cash Points on utility & telephonic bills.

These Cash Points can be redeemed against several options including travel-related bookings, shopping, vouchers, or cash at a rate of 1 CP = Re. 0.15.

With this card, you can get up to a 20% discount on all your dining spends at over 20k premium restaurants across the country.

The card also offers a 1% fuel surcharge waiver on all fuel transactions.

The annual fee of Rs. 499 is waived off if a cardholder has spent Rs. 50,000 or more in the previous anniversary year.

The Freedom Card also comes with a low-interest rate as an introductory offer, i.e, you are charged an interest of only 0.99% per month for the first 90 days of the card membership. After that, an interest of 3.6% per month is chargeable.

HDFC Regalia First Credit Card

The HDFC Regalia First Credit Card is the toned-down version of one of the most popular credit cards in the Indian market, i.e, the HDFC Regalia Credit Card. The Regalia First Card comes with an annual fee of Rs. 1,000 and welcomes you with 1,000 bonus Reward Points. This card comes with a decent Reward Rate and several other benefits, including free lounge access, discounts on dining, insurance covers, and many more. This card is best suited for those who want to get complimentary lounge access with a low annual fee credit card. For more detailed information about the features and benefits of the Regalia First Card, refer to the following information:

The cardholders get a welcome benefit of 1,000 bonus Reward Points.

The Regalia First Card offers 4 Reward Points on every spend of Rs. 150.

These Reward Points can be redeemed against a host of options including shopping, vouchers, travel-related booking, and many more. 1 RP = Re. 0.30 for redemption against travel bookings, Re. 0.25 for redemption against products, vouchers, and Re. 0.15 for redemption against cashback.

You get 8 complimentary domestic lounge access every year.

You get 3 complimentary international lounge access every year.

The cardholders can enjoy a discount of up to 30% on dining at over 2,000 participating restaurants.

You also get insurance covers worth up to Rs. 50 lakhs.

This card also offers a 1% fuel surcharge waiver on all fuel transactions.

The annual fee of Rs. 1,000 is waived off on spending Rs. 1 lakh or more in the previous anniversary year.

Quick Comparison

Now, after understanding the features and benefits of both the cards, let us compare them on the basis of different factors via the following table:

Factors

HDFC Freedom Credit Card

HDFC Regalia First Credit Card

Annual Fee

Rs. 500 (waived off on spending Rs. 50,000 in the previous year)

Rs. 1,000 (waived off on spending a minimum of Rs. 1 lakh in the previous year)

Welcome Benefits

- 500 bonus Cash Points.

- 1,000 bonus Reward Points.

Reward Rate

- 1 Cash Point in every spend of Rs. 150.

- 5x Cash Points on EMI purchases at merchant locations.

- 10x Cash Points on Swiggy, OYO, BigBasket, BookMyShow, etc.

4 Reward Points on every spend of Rs. 150.

Reward Redemption

1 Cash Point = Re. 0.15 for redemption against products, vouchers, and cashback.

1 RP = Re. 0.30 for redemption against travel bookings, Re. 0.25 for redemption against products, vouchers, and Re. 0.15 for redemption against cashback.

Complimentary Lounge Access

NA

- 8 complimentary domestic lounge access every year (1 per quarter).

- 3 complimentary international lounge access every year.

Bottom Line

The features of the Regalia First and the Freedom Credit Card are entirely different. The Freedom Card is a very basic card that is a great option for those who just want an affordable credit card with a decent reward rate. However, if you are looking for other benefits, like complimentary lounge access, insurance benefits, etc, as well, then the Regalia First Credit Card is definitely a better choice. Also, it becomes an important step to check your eligibility criteria before you apply for a credit card. Here, the income required to get approved for the Regalia First Card might be a bit higher than that required for the freedom card. One should also keep this particular factor in mind. So, this is how you can compare the two cards based on different factors and make a wise decision.

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HDFC Freedom Vs Regalia First Credit Card - Which Is Better?

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HDFC Freedom Vs Regalia First - Which credit card is best for me? - In this article, we have shared a detailed comparison of futures and benefits for you!

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Axis Bank Add-on Credit Cards: Amplify Your Spending Power

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Axis Bank Add-on Credit Cards: Amplify Your Spending Power

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Experience the convenience and flexibility of sharing your credit card benefits with your loved ones with Axis Bank's Add-on Credit Cards. Now, you can empower your family members with their own cards, providing them with the freedom to make purchases and enjoy exclusive privileges, all while earning reward points on every transaction.

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Axis Bank is one of the major credit card issuers in India and offers a wide range of services including credit cards. The Bank is trusted by millions of customers who enjoy using the privileges and benefits associated with the Axis Bank Credit Card. If you hold any Axis Credit card then the bank provides you the facility to share your card as a duplicate with your family members. This can be done with the Axis Add-on cards. With an add-on card, you can share the same benefits and even the same reward rate with your family members. The card is issued against the primary card and has the same features as the primary card. With your Axis Bank Credit Card, you can apply for up to 4 Add-on credit cards. You can get the add-on card for your spouse, parents, siblings, and your children.

With the Axis Add-on card, your family member can enjoy the same experience that you get with your primary card. If your card offers complimentary lounge access then you can get the same with them. Also, if your card supports international transactions, then the add-on card can also use the card for international purchases. Moreover, add-on cards are very beneficial if your family member loves shopping, as the card will also reward them with reward points or with cashback. Not only this, the Axis Add-on credit cards come with zero cost and with zero annual fee, which makes them lifetime free. To know more about Axis Bank Add-on credit cards, keep scrolling.

Features of the Axis Add-on Cards

The features and Benefits of an Add-on card are the same as the primary card. Moreover, the responsibility of handling an add-on card is completely on the primary cardholder. Following are the features of the Axis bank Add-on card:

The Axis Bank add-on cards come at zero cost, as they are issued without any cost, moreover, the annual fee of the add-on cards is also zero which makes them free for a lifetime.

The primary cardholder can get up to 4 add-on credit cards, and for all additional cards, the bank will share one consolidated statement with the primary cardholder.

The primary cardholder is liable to settle the bills generated for the add-on cards and will be liable in case of any dispute.

The credit limit for the add-on cards can be shared with the primary cardholder and can be adjusted anytime by them.

The application process for axis add-on cards is very simple and quick as there is a minimal requirement of paperwork.

The primary cardholder can manage the add-on card and can also restrict the usage of the card in certain categories.

Fees for Axis Add-on Credit Cards

The fees applicable for any Axis Add-on credit card are similar to the primary Axis card. Therefore all the charges on the card like finance charges, cash advance fees, late payment fees, etc. would be the same as the primary card. But the issuance cost of an add-on credit card is completely zero and also there is no annual charge applicable. Therefore, the Axis Add-on credit cards are lifetime free. However, other charges still apply. For example, if you apply for an add-on card against the primary Axis Bank SELECT Credit Card then the charges applicable on the card will same. For better understanding, the following are some of the charges that are applicable for the SELECT card and the same would apply to the add-on credit card:

Finance Charges

3.49% per month (40.8% annually)

Cash Advance Fee

2.5% of the amount withdrawn or Rs. 250 (whichever is higher)

Rewards Redemption Fee

NIL

Foreign Currency Markup

3.5% of the transaction amount

Eligibility Criteria for Axis Add-on Credit Cards

Following are the Eligibility Criteria you must keep in mind before applying for the Add-on card:

- The applicant for the Add-on card must be above 18 years of age.
- The applicant must be related to the primary cardholder.
- The Primary cardholder must maintain a good credit score.
- The applicant must have the consent of the Primary cardholder.

Documents Required for Axis Add-on Credit Cards:

Following are the documents that are required to apply for an Axis Bank add-on credit card:

ID Proof: PAN Card. Passport, Voters ID, Ration Card, Aadhaar Card, or Driving License.

Address proof: Passport, Ration Card, Driving License, Copy of Utility Bills, Bank account statement, or any other valid government-issued address proof.

How to Apply for Axis Add-on credit card

Now we know about the eligibility criteria and the documents required to apply for the Axis Add-on credit card, now let's understand the process of applying for the same. Following are the steps to apply for an Axis Add-on credit card:

- Download the Application form for Add-on cards.
- SMS ADDON to +91 8691000002 or to 56161600
- Fill out the form and ready the documents.
- Visit the bank's branch and submit the documents.

Axis Add-on Credit Card PIN generation

The PIN for the Add-on credit card is sent to the cardholder along with the Add-on card. The PIN for the card will be different from that of the primary card. If you want to change the PIN for your Add-on card, then the process is very simple. Following is the way by which you can change your Axis Add-on Credit card PIN:
Through ATM:
- Insert your Add-on credit card at the Axis Bank ATM
- Enter Date Of Birth, Card Expiry Date & Registered Mobile No.
- Enter activation code / OTP
- Set your 4-digit PIN.

Manage Axis Bank Add-On Credit Cards via Internet or Mobile Banking

Earlier, you had to visit the bank branch or get in touch with the customer support to change the add-on credit card PIN, set transaction limits, or anything else. However, now you can do any of these things directly through Internet or Mobile Banking.

The following are the services on the add-on credit cards that you can manage through Axis Bank Internet or Mobile Banking -

Set or Reset PIN

Domestic Usage

International Usage

Block and Replace Card

Convert Transactions into EMIs

View Transactions

Update Mobile Number

Log in to your Axis Bank card account via Internet or Mobile Banking

At the homepage under Quick Links, click on Credit Cards tab

Click Swipe to view the Add-On cards on the Primary Card. Next, select the particular Add-On card

Click the Control Center button and then select the Update Mobile Number option

Enter the add-on cardholder's new mobile number. Enter the OTP that you receive on the number and click on Submit

The new mobile number will be updated within 24 hours in every system

Best Axis Bank Add-On Credit Cards

There are many Axis Credit cards offered by the Axis Bank that come with the Add-on Credit card facility, following are some of such cards that offer great benefits and must be considered:

Axis Bank Magnus Credit Card

Interest Rate: 3.0% per month (or 42.58% per annum) 2% of the transaction amount.

Cash Advance Charges: NIL

Unlimited domestic airport lounge access every year.

Unlimited complimentary international lounge visits every year with Priority Pass.

Discounted stays at Oberoi Hotels.

Travel-related insurance benefits24×7 dedicated concierge service

Axis Bank Select Credit Card

Interest Rate: 3.6% per month (52.86% per annum)

Forex Mark-up Fee: 3.5% of the transaction amount.

Cash Advance Charges: 2.5% of the amount withdrawn or Rs. 250 (whichever is higher)

6 complimentary international airport lounge access

2 complimentary domestic lounge access

6 complimentary golf rounds every year

Comprehensive insurance cover

24×7 concierge service

Flipkart Axis Bank Credit Card

Interest Rate: 3.4% per month (49.36% per annum)

Forex Mark-up Fee: 3.5% of the transaction amount.

Cash Advance Charges: 2.5% of the transaction amount or Rs. 500

4 complimentary domestic airport lounge access.

Welcome benefits from Myntra, and Swiggy.

5% cashback on Flipkart and Myntra.

4% cashback on preferred partners including Swiggy, Uber, PVR, and cure.fit.

Axis Bank Vistara Infinite Credit Card

Interest Rate: 3.6% per month (52.86% per annum)

Forex Mark-up Fee: 3.5% of the transaction amount.

Cash Advance Charges: 2.5% of the transaction amount or Rs. 500

Complimentary Business Class ticket voucher as a welcome gift.

Complimentary Club Vistara Gold membership.

Complimentary domestic lounge access

24×7 concierge service

Air accident cover up to Rs. 2.5 crore.

Bottom Line

If someone from your family is senior citizen or if your child is in college then the add-on card facility would be very beneficial for them. The card offers the same benefits and rewards to your family members at zero cost. Also, if your card is enabled for international transaction, then add-on cardholder may also enjoy the benefit of the same.

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Axis Bank Add-on Credit Cards - Features & Benefits

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If you are using a Axis credit then you know the Features of Axis Bank Add-on Credit Cards. Visit Now for learn More.

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Obtain Axis Bank's Magnus and IOCL Credit Cards with Lifetime Fee Waiver.

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Obtain Axis Bank's Magnus and IOCL Credit Cards with Lifetime Fee Waiver.

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Introducing Axis Bank's Magnus and IOCL Credit Cards - the perfect financial companions that come with an exceptional perk: a lifetime of fee-free benefits. With Axis Bank's Magnus Credit Card, you can indulge in a world of privileges and rewards, while the IOCL Credit Card offers incredible benefits tailored specifically for fuel purchases. Enjoy the convenience of these cards without worrying about annual charges, making them a smart choice for long-term savings and financial flexibility.

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Axis Bank is one of the largest credit card issuers in the country with a wide range of cards available in its portfolio. From premium to entry-level category, one can get any type of credit card from Axis Bank. One of the most popular credit cards offered by Axis Bank is the Magnus Credit Card, which belongs to the premium category. Even after having a quite high annual fee, it has become a choice for thousands of people who believe in having a luxurious lifestyle. But, Axis Bank is now providing its customers with an amazing opportunity to get the Magnus Credit Card as a lifetime free card. Other than this, the bank has come up with a similar offer for the co-branded IOCL Axis Bank Credit Card, which is now lifetime free for all customers holding their salary accounts in the Axis bank. Keep reading for further information:

Eligibility Criteria To Avail Of The Offer

The Axis Bank Magnus and IOCL Credit Cards are not lifetime free for everyone, but there are certain eligibility requirements that you need to fulfill in order to avail of this offer. The detail information regarding the same is given below:

For Axis Bank Magnus Credit Card

The Axis Bank Magnus Credit Card comes with an annual fee of Rs. 10,000 and there are a number of exclusive benefits associated with this card. With an amazing reward rate of up to 12 Edge Reward Points on every spend of Rs. 200, you can earn up to 25,000 bonus RPs every month on achieving the spend milestone of Rs 1 lac. Other than this, the card offers complimentary domestic as well as international lounge access, which makes it a great option for frequent flyers. Other benefits of the Magnus Card include exciting discounts on dining and movie tickets, fuel surcharge waiver, and complimentary Meet & Greet at some airports in India.

Condition For Lifetime Free Magnus Credit Card:

To make the Magnus Card lifetime free for yourself, you need to have a salary account in the Axis Bank. If you fulfill the eligibility requirements, you can either get the first-year fee waived or you can get the Magnus Card lifetime free. The eligibility requirements are as follows:
-For First year Fee Waiver: The applicant's monthly salary credit should be at least Rs. 3 lakhs.
-For Lifetime Free: The applicant's monthly salary credit should be Rs. 5 lakhs or more.

For Axis Bank IOCL Credit Card

Axis Bank's Indian Oil Credit Card is a co-branded fuel credit card issued by Axis Bank in partnership with IOCL. It comes with an annual fee of Rs. 500, but if you have your salary account in Axis Bank, you can get this card for free now. All the benefits of the card remain unchanged and you even get additional cashback within the first 31 to 60 days. The card offers a reward rate of up to 20 Edge Rewards on every spend of Rs. 100 on fuel and up to 5 Edge Rewards on other categories. So, it is not at all a bad deal to get this card as lifetime free.

However, the offer is only applicable to IOCL Credit Cards issued on the Rupay network. Along with the waiver of joining/annual fees, cardholders get the following benefits as well:

- Get Rs. 500 cashback on the first two fuel transactions (cashback of up to Rs. 250 on each transaction) made via the IOCL Axis Bank Credit Card within the first 31 to 60 days from the date of card issuance.
- The cardholders also get an Amazon gift voucher worth Rs. 500 on activating their card within the first 30 days after the issuance date.

Also Check: AU Bank Launches The SwipeUp Platform To Offer Upgraded Credit Cards

Bottom Line

This is an amazing opportunity for Axis Bank customers and if you are eligible for any of the above offers, you should not miss out on it. The Magnus Credit Card comes under the super-premium category, and if you are getting a chance to make it lifetime free for yourself, there is no reason why you should not go for it. Similarly, the IOCL Credit Card might not be that premium, but it comes with some decent benefits and you can save a lot on your fuel purchases using it. Therefore, it is advisable to check your eligibility for these offers and go for them if you fulfill the requirements. In case of any additional doubts, feel free to ask us in the comment section below!

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Get Axis Bank's Magnus and IOCL Credit Cards as Lifetime Free

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With all the new benefits, Axis Bank's Magnus and IOCL Credit Cards can be called as the best permium credit card.

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ICICI Bank Parakram Credit Cards for Defence Personnel

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ICICI Bank Parakram Credit Cards for Defence Personnel

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ICICI Bank pays homage to the unwavering spirit and dedication of our armed forces with the introduction of Parakram Credit Cards. This exclusive range of cards is meticulously crafted to provide our defense personnel with a multitude of benefits, ensuring they are well-supported both on and off the field.

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ICICI Bank Parakram Credit Cards for Defence Personnel

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ICICI Bank Parakram Credit Cards are exclusively designed for defence personnel, offering special privileges, rewards, and financial support to honor their service.