Credit cards are financial tools issued by banks and financial institutions, allowing users to borrow funds for purchases, which they repay with interest. There are various types of credit cards to suit different needs. Standard credit cards offer basic features and revolving balances. Rewards cards provide points, miles, or cashback on purchases. Secured credit cards require a deposit and help build or repair credit. Balance transfer cards offer low introductory rates for transferring existing balances. Business credit cards cater to company expenses, while student credit cards are designed for young adults with limited credit history. Each type serves specific financial goals and lifestyles. So, PaisaWapas will provide you with each type that you are looking for, and choose from the best reward credit card with top offers and cashback deals. By using PaisaWapas for your credit card purchases, you can enjoy significant savings, exclusive discounts, and additional cashback rewards, making it a valuable platform for maximizing financial benefits and smart shopping.
Millennia Credit Card |The Best CashBack Credit Card
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SBI SimplyCLICK Credit Card
Benefits
1. Earn 10X rewards on online spends with exclusive partners-
Cleartrip/Apollo24X7/BookmyShow/EazyDiner/Netmeds.
2.Get gift card worth Rs.500* as Welcome Gift on payment of Annual Fee of Rs. 499 + taxes.
3.Get e-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh and Rs. 2Lakhs each
4.Instant 10% discount on Flipkart, Amazon & More during Big Online Sales
5.Renewal fee of Rs 499 will be waived off on spending Rs 1 Lakh in the subsequent year.
Fees
1.Joining Fee: Rs 499+ GST
2.Annual Fee: Nil for First year, Rs 499+ GST - Second year onwards
3.Annual Fees will be waived on annual spends of Rs 2 Lacs
Eligibility crtieria
1.Employment Status: Salaried or Self-employed
2.Income: Rs 20,000 per month
3.Required Age: 21-60 years
4.User's Credit Score must preferably over 750
Applying for Cashback SBI Card:
1.Go to the 'Credit Cards' page and choose 'Cashback SBI Card.'
2.Click 'Apply Now' and fill in the online application form.
Submit the form.
3.Upon approval, SBI Card team will contact you for verification.
4.Receive your Cashback SBI Card after verification.
Eligibility Criteria:
1.Age: 21 to 70 years
2.Salaried or self-employed professional
3.Good credit score
4.Regular source of income
Features and Benefits:
1.5% cashback on online purchases, 1% on offline purchases.
2.Four free domestic airport lounge visits annually.
3.1% fuel surcharge waiver at petrol pumps.
4.Accepted in 24 million+ global outlets.
5.Easy Bill Pay' for convenient utility bill payments.
Fees:
1.Joining Fee: Rs.999
2.Renewal Fee: Rs.999 (Waived with Rs.2 lakh annual spend)
3.Cash Advance Fee: 2.5% or Rs.500
4.Finance Charges: 3.50% per month (42% p.a.)
5.Late Payment Fee: Varies based on outstanding amount.
Additional Charges:
1.Overlimit Fee: 2.5% or Rs.600
2.Payment Dishonor Fee: 2% of payment amount (min Rs.500)
3.Rewards Redemption Fee: Rs.99
4.Cheque Payment Fee: Rs.100
5.Card Replacement Fee: Rs.100 to Rs.250
6.Foreign Currency Transaction Fee: 3.5% (1.99% for Aurum and Elite)
Unlimited 1% Cashback: Enjoy a generous 1% cashback on all your spends, with no upper limit on the cashback amount.
Up to 7% Interest on Fixed Deposit: Maximize your savings with an attractive interest rate of up to 7% p.a. on your Fixed Deposit.
Welcome Gift Pack worth ₹1100+: Experience the joy of a welcome gift pack featuring goodies from Myntra, Swiggy, McDonald's, AJIO, and Gaana.
0 Joining Fee: Start your credit journey with us at no cost - zero joining fee!
Credit Limit Benefits: Enjoy a credit limit of 90% of your Fixed Deposit value, providing you with financial flexibility.
Cash Withdrawal: Need cash urgently? You can withdraw 50% of the Fixed Deposit value in cash.
First-Year Fee: Zero | Renewal Fee: Rs. 249 Only: Enjoy the perks without worrying about the first-year fee. The renewal fee is a nominal Rs. 249 only.
Fee Waiver: On annual spends of Rs. 25,000 or more, we waive off your renewal fee, making it even more rewarding.
Apply for INDUSIND Lifetime Free Credit Card & Get 1% Cashback on all Retail spends 👌👌👌
Eligibility ↓↓↓↓
👉 Income - Rs 35,000/month
👉 CIBIL Score - 750 or more
👉 Age Requirement: 21 to 55 years.
Benefits
👉 Get 1% Cashback on all retail spends.
👉 No Joining Fee & Lifetime Free Creditcard.
👉 Get Amazing Deals & Discounts on Flipkart, Amazon, Cleartrip, Yatra, Bookmyshow & ETC.
👉 Fuel Surcharge waiver on all petrol pumps.
👉 Get Comprehensive Insurance benefits.
👉 Enjoy Complimentary Airport Lounge access.
Apply For IDFC First Credit Card |Lifetime Free Credit Card, Never Expiring Rewards
1.Lifetime Free Credit Card & Rewards points never expire
2.Get Complimentary Airport lounge access & Railways lounge access
3.Offers on Movie ticket booking, Restaurants, and more
4.3x and 6x Rewards on Offline & Online Spending respectively
5.Special 10X rewards on your birthdays
APPLY NOW
Enjoy Cashback on Every Purchase & Unlock Exclusive Benefits with the HSBC Cashback Credit Card!
Benefits:
Exclusive Introductory Offers (valid till 15 August 2023)
Eligibility criteria
🔹 Apply for your IDFC Credit Card & Accelerate Your Savings With UPI Enabled FIRST Power+ RuPay Credit Card 🔹
Here's how to get started:
Step 1: Visit the 'Credit Cards' page on the IDFC First Bank website.
Step 2: Check your eligibility.
Step 3: Click on 'Apply Now' and complete the E-Apply form / Online Application form.
Step 4: Hit 'Submit' and receive an instant decision based on the information provided.
Step 5: After necessary verification, your card will be issued to you.
Join the exclusive league of privilege with our FIRST Power and FIRST Power+ Cards! Powered for UPI.
🎁 Welcome Benefit Rs.150 discount on 1st Swiggy order & Introductory discounts on ZoomCar rentals & More
💳 Personal Accident Cover of ₹200,000 & Lost Card Liability Cover of ₹25,000
⛽ Up to 6.5% Savings On HPCL Fuel*
💰 Up to 5% Savings on IDFC FIRST FASTag Recharges, Utility & Grocery Spends
🛫 Upto 4 Complimentary Domestic Airport Lounge Access Access per year
🎬 25% off on movie tickets Upto ₹100, once every month
Eligibility:
Indian citizenship required
Minimum age limit: 21 years
Annual income of Rs. 3 lakh or more
No existing IDFC FIRST Bank credit card
A Decent credit score required
Joining Fees:
Joining Fee: ₹499 Applicable upon card creation
Annual Fee (2nd year onwards): ₹499 Waived off on spends of ₹1,50,000 or more in a year
Apply now and unlock a world of exclusive benefits and privileges!
Uni Paychek | Take A Salary, Before Your Salary, And Receive A Fixed Credit up to ₹1,00,000 Every Month. Sent Directly To Your Bank Account, Subscribe with a paperless, one-time setup that takes less than 3 minutes. Start your Paycheck and note your date. Your funds arrive on this date every month. You get 15 days of FREE credit period each month. Don’t need Paychek for a month? You can always pause it from the app. Visit The Site To Know More.
The Niyo way to travel is here!
Benefits Of Niyo Global Card
1. Up to 5% interest p.a. on savings with monthly interest payout.
2. Zero forex markup travel card.
3. Complimentary airport lounge access.
4. Integrated smart app.
5. Real-time transaction tracking.
6. Real-time in-app currency converter.
AU | Open Your Current Account Online Today With An Instant Zero Balance Account, Extended Banking Hours till 5 PM, Higher Cash Deposit Limit + Free AU Business Debit Card & Much More Goodness. Visit The Landing Page To Know More.
>For Everyone:
One payment App for quick and easy access to credit to anyone, anywhere, anytime!
FatakPay is for everyone! All you need is a basic smart phone, minimum KYC (Photo ID & address proof) and a bank account.
Get A seamless and hassle-free bill payment experience.
FatakPay is available to all customers, even those without any formal credit history. In fact, it is an excellent tool to build or improve your credit score when you make timely payments.
Apply online for an instant loan using KYC details:
>For Corporate :
FatakPay provides instant credit to your
employees allowing them to manage their cash flow
from one pay day to the next.
*It Helps Employers By:
Frees up your working capital from advance salaries.
Release HR Bandwidth
Increase productivity & reduce attrition.
Takes care of expenses for your employees.
Company-wide rollout in 48 hours.
*It Helps Employees As:
Access to almost ZERO cost credit.
Instills financial discipline & allows them to manage their cash flows.
Credit score improvement opportunity.
A happier, healthier and more productive employer relationship.
Visit The Landing Page For More Details
Explore Health & Wellness Plans,Cancer Secure Plans,Critical Illness Plans,Personal Accident Plans ,Corporate Plans & Many More Apply For Health Insurance Visit The Landing Page For More Details
Now Get Flat 10% Off On Domestic Flights On Payment via Bajaj EMI Cards. Min Booking Of Rs.7,500 Required. Max Discount Of Upto Rs.800 Can Be Availed. Get Easy EMI. Visit The link To Know More.
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Show CouponGet Rs. 50 Instant Benefits on first Flipkart UPI transaction on the Platform as a reward for signing up with Flipkart UPI
Categories : All Categories excluding Recharges & Bill Payments, FK Travel, Grocery, Large & Mobiles
●Minimum Transaction Value: Rs. 200
●Maximum Savings : INR 50
●Applicable only for first Flipkart UPI transaction on Flipkart platform
●Available only on Android device
●Applicable only during the Offer Duration
●Applicable only on Flipkart UPI as Payment Mode
Offer is not valid on the purchase of Jewelry, Gold or Silver coins The Offer is not applicable for Cash-on-delivery transactions or orders converted from Cash On Delivery to Prepaid.
In case of cancellation of Your order, the transaction will not qualify for the Offer. If you cancel part of your order, you will qualify for the Offer only on the net amount You pay basis eligibility.
Visit The Landing Page For More Details
Loan on Credit Card |Get instant Loan against Credit Card
Enjoy attractive interest rates, among the lowest in the market
Quick disbursement as the loan is pre-approved
Pre-closure/Foreclosure facility is offered at a nominal fee
Only your HDFC Bank Credit Card number and registered mobile number is required for OTP verification before the loan amount disbursal
The amount will be credited into your HDFC Bank Savings Account in seconds
Visit The Landing Site For More Details
Axis Bank | Open Your Current Account Online Today WIth The Following Steps:
Verification via PAN and Aadhaar
Entity KYC with GST & Udyam
Fill Personal and Business Details
Complete your KYC Via Video Call
Fund your account
Visit The Landing Page To Know More.
Applying for an AU Credit Card online is an easy and convenient process. Here are the steps:
Pick an AU Credit Card that meets your requirements
*Above steps are indicative; these might change based on card variant and as per AU credit card decision.
Visit The Landing Page For More Details
You Need The Following Four Things To Apply For One
More Information :
Visit The Landing Page For More Details & To Grab The Offer
Axis Amaze Saving Account Opening
->Zero Balance Account @ ₹200/p.m. or ₹2,200/p.a.
->Welcome benefits worth ₹5999 on Amazon Prime, Swiggy, BookMyShow & Uber
->No Charges on all bank ATM withdrawals, free Debit Card, Chequebook & more
->No Charges on any Domestic Banking Transactions
->2000 Edge Rewards points on spending ₹20,000/month
HOW TO APPLY
->Verification via PAN and Aadhaar
->Fill in your details
->Complete your KYC via video call
->Fund your account
Visit The Landing Page For More Details
Apply for SBI IRCTC Credit Card.
Eligibility
1.Required Age: 21-65 years
2.Employment status: Salaried or Self-Employed
3.Minimum Income: Rs 20,000 per month
4.Credit score: 700+
5.Credit card holders are preferred
6.Cardholder should be citizen of India or a Non-Resident Indian
Benefits of SBI IRCTIC Credit Card
1.Save up to 10% as Value Back on rail ticket purchases.
2.Get 350 Bonus Reward Points on signing up for the IRCTC SBI Card.
3.Get rewarded every time you plan a trip, with the IRCTC SBI Card.
4.Earn 10% Value Back on irctc.co.in with IRCTC SBI Platinum Card
5.Save 1%Transaction Charges on bookings at irctc.co.in.
Eligibility ↓↓↓↓
👉 Age Requirement: 21 to 60 years
👉 Minimum Income: Rs 25,000 per month (Salaried)
👉 Minimum ITR: Rs 6,0,000 per annum (Self-Employed)
About Swiggy HDFC Bank Credit Card:
- Get 10% Cashback on Swiggy Platfrom [Upto Rs 1500/month]
- 5% Cashback on Online Shopping Spends on Amazon, Flipkart, Myntra, Nykaa & More [Upto Rs 1500/month]
- 1% Cashback on all other categories [Upto Rs 500/month]
- Get Welcome Benefit --> 3 months Swiggy One Membership
Fees :
Joining Fees: Rs 500 + GST
Annual Fees: Rs 500 + GST
Renewal fee waived on annual spends of Rs.2,00,000 or more
Apply for TataNeu Infinity HDFC Bank Credit Card & Get Upto 10% cashback on your transactions
Eligibility ↓↓↓↓
👉 Age Requirement: 21 to 60 years
👉 Minimum Income: Rs 1,00,000 per month [Salaried]
👉 Minimum ITR: Rs 12,0,000 per annum [Self-Employed]
Benefits of TataNeu Infinity HDFC Bank Credit Card:
-> Get 8 Complimentary Domestic + 4 Complimentary International Airport Lounge Access
-> Get 5% back as NeuCoins on Tata Brand Groups [Eg : Bigbasket, Croma, TataCliq & Airasia Etc]
-> Get Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata NeuPass
-> Get 1.5% back as NeuCoins on other spends
-> Get 1% fuel surcharge waiver at all fuel stations across India
Note --> 1 NeuCoin = Rs.1 Redeemable on Tata Neu App
Fees :
Annual/Renewal Fees : Rs. 1499/- + GST
Renewal fee waived on annual spends of Rs.3,00,000 or more
Apply for Axis Bank Neo Credit Card & Get Rs.2880 Discount On Zomato & Get Rs.1200 On Bookmyshow.
Benefits Axis Of Neo Card
-> Upto 40% Off On Zomato
-> Activation Benefit 000% Cashback Upto Rs.300 On First Utility Bill Payment
-> 10% Off On Movies, Groceries & Online Shopping
-> Annual Benefit of Rs.3000 & More
Apply for an IRCTC HDFC Bank Credit Card and get 8 IRCTC Lounge access + Cashback on train ticket bookings
Eligibility ↓↓↓↓
👉 Age Requirement: 21 to 60 years
👉 Minimum Income: Rs 18,000 per month [Salaried]
👉 Minimum ITR: Rs 6,0,000 per annum [Self-Employed]
Benefits of IRCTC HDFC Bank Credit Card :
- Earn 5 Reward Points for every INR 100 spent on IRCTC ticketing booking
- Earn 1 Reward Point for every INR 100 spent on all other spends*.
- Get an Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
- 8 complimentary access to select IRCTC Executive Lounge every year [2 per quarter]
- Get Rs.500/- Worth of gift vouchers on quarterly spends of RS.30,000/-
Fees :
Annual/Renewal Fees: Rs. 500/- + GST
Renewal fee waived on annual spends of Rs.1,50,000 or more
Get Yourself India’s Most Rewarding Credit Cards By HDFC Or SBI, Perfect range of Credit cards that offer unmatchedCashbacks, Lifestyle Benefits & much more. Get Upto 5%Unlimited Cashback, Benefits worth₹75,000, Free AirportLounge Access, Fuel SurchargeWaiver & More. Visit The Landing Page To Know More.
Joining Fee: No joining fee
Rs.1000 Second year onwards and get annual fee waived on INR 3 lakhs spends in the previous year
Benefits
Eligibility Criteria
APPLY NOW
Latest Offers & Deals By Downloading PayZapp App. Recharge your Mobile, Make Online Bill Payments, Book Flights in just a few clicks. Send money, pay for shopping in a click Transact anytime, anywhere Card details aren’t stored on phone or shared Check Out The Landing Page For More Details.
Shoppers Stop Sale :- Get Upto 50% Off On Apparels, Shoes, Watches & More. Explore From Brands Like STOP, Life, Arcelia, Haute Curry, Kashish, IVY & More. No Promo Code Required. Valid For All Users. Visit The Landing Page To Know More. Hurry Up!!
Zero Balance Accounts
With YES BANK’s Zero Balance Savings Account, You can earn tax-free interest income up to INR 40,000.
Other Benefits
Free RTGS/NEFT payment facility with our Netbanking services
Free utility bill payment for registered billers through Netbanking
Free issuance of Demand Drafts through Netbanking and Branch up to defined limits
International Platinum Chip Cards are available upon request
NIRA PERSONAL LOAN
Planning a short weekend trip, a gift for your sibling, a new training course for yourself, or looking to update your mobiles and gadgets?
NIRA FINANCE has got you covered. Get qualified for an instant personal loan of up to Rs. 1 Lakh in just 3 minutes!
Benefits:-
1. 100% Paperless Process
2. Quick Loan Disbursal
3. Get a Loan for Low CIBIL Score Holders
4. Low-Interest Rates [1.67% to 2.25% per month]
5. It provides a Flexible Repayment Plan for 3 - 12 months.
6. Its RBI Registered NBFC entity
STEPS
1. Download NIRA instant loan app
2. Upload docs to complete the process
3. Setup auto-debit and avail credit
4. Voila! Your Loan is Approved!
APPLY NOW
KreditBee is India's Fastest Personal Loan Platform | Up to 50% off on Processing Fees ( max discount 50% ) for Salaried Person and Self Employed
- 100% Fully Digital and paperless process
- Get Personal Loans from Rs.1,000 to Rs.4 Lakhs as per your Approved Credit
- Get Loan approval in 10 mins & Fund transfer to the bank within 2 minutes
- Safe and secure credit system
TAKE50
Show CouponApply For The Indian Oil Card & Get 100% Full Cashback On First Fuel Transaction
Benefits Of Indian Oil Card
->Accelerated Reward Points At Any IOCL Fuel Outlets
->100% Full Cashback On First Fuel Transaction
->Spend Based Waiver
->Fuel Surcharge Waiver
->Instant Discount On Bookmyshow
->Dining Delights
Apply For The Axis Rewards Credit Card & Get 500 EDGE Reward Points As Welcome Benefit
Benefits Of Rewards Card
->Enjoy A Bouquet Of Membership Upto Rs.1000 Anniversary Year
->30% Off On Swiggy
->Complimentry Lounge Access
->Fuel Surcharge Waiver
->Insurance Benefits
->Dining Delights
Apply For Bajajfinserv RBL Credit Card
How To Apply
1.Open The Link
2.Click on the "Apply Now" button and fill in the required personal and employment details such as name, date of birth, employment status, monthly income, etc.
3.Upload the necessary documents such as PAN card, Aadhaar card, and income proof.
4.Review the terms and conditions of the credit card and accept them.
5.Submit your application.
6.Once your application is submitted, the bank will verify your details and documents.
7.Upon successful verification, you will receive an instant online approval or a decision within a few days.
Benefits
1.Welcome benefits: New cardholders can enjoy welcome benefits such as bonus reward points, vouchers, and cashback offers.
2.Reward points: The cardholder can earn reward points on every transaction made using the Bajaj Finserv RBL Bank SuperCard. These reward points can be redeemed for various products and services, including flight tickets, hotel bookings, and shopping vouchers.
3.Cashback offers: The cardholder can avail of various cashback offers on transactions made using the Bajaj Finserv RBL Bank SuperCard.
4.Discounts: The cardholder can enjoy discounts on various partner merchants such as dining, entertainment, travel, and lifestyle.
5.Zero percent EMI: The cardholder can avail of zero percent EMI offers on various products and services such as electronics, furniture, and travel.
6.Fuel surcharge waiver: The cardholder can enjoy a waiver of fuel surcharge at petrol pumps across India.
7.Insurance cover: The Bajaj Finserv RBL Bank SuperCard comes with a complimentary air accident insurance cover of up to Rs. 1 crore.
APPLY NOW
Across Site :- Upto Rs.2,500 Off On Realme Mobiles, Smart Wearables & More. Shop From The Products Visible On The Offer Page. Also Get Extra Upto Rs.1,500 Off On ICICI Bank Credit Card (EMI OR Non-EMI) Transactions. Discount Amount Differs From Product To Product. Offer Applicable Only On Selected Items. Check The Product Page For Details. Also Get Exchange & No-Cost EMI Offers. Visit The Link To Know More.
Level up your stock trading journey
Open Your Demat Account Now
Apply for HDFC UPI RuPay Credit Card & Make your UPI Payments seamlessly
Eligibility ↓↓↓↓
👉 Age Requirement: 21 to 60 years
👉 Minimum Income: Rs 25,000 per month [Salaried]
👉 Minimum ITR: Rs 6,0,000 per annum [Self-Employed]
Benefits of HDFC UPI RuPay Credit Card :
-> Make UPI Payments by using these credit card & Get cash points too.
-> Avail upto 50 days of interest-free* from the date of purchase
-> Get 3% Cashpoints* on Groceries, SuperMarket & Dining spends & all PayZapp transactions.
-> Get 2% Cashpoints* on Utility spends
-> Get 1% Cashpoints* on other spends like Excluding Rent, Wallet loads, EMI, Fuel & Government categories
Fees :
Joining Fees: Rs.250 + GST
Annual Fees: Rs.250 + GST
Renewal fee waived on annual spends of Rs.25,000 or more
Investing made easy with Share.Market from PhonePe
✔ Avail ₹0 brokerage fee on all equity investments until June 30th, 2024.
✔ Access curated stocks & ETFs with WealthBasket.
✔ Start with a free first-year AMC!
✔ Receive monthly statements by mail for free.
✔ Invest in IPOs, Mutual Funds, Stocks, ETFs, and F&O all in one place.
Get Angel One Demat Account for FREE and Enjoy Exclusive benefits:
✔ Free Trading Account opening*
✔ 100% digital & paperless process
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The Only Brokerage App in India🪙
LEMONN🍋
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4. Get Rewards on Trading
Start trading now on Lemonn
Apply For Zero Balance Saving Account
Key Features and Benefits
5% cashback* on fuel, entertainment, dining, and OTT spending with your Delights debit card
5% cashback on Amazon* with your IndusInd Bank debit card
Zero balance requirement subject to IP funding
20% off on Swiggy & 10% off on Bigbasket with your Delights debit card
Buy 1 Get 1 on movie tickets on BookMyShow with your Delights debit card
Apply for Jupiter Edge CSB Bank RuPay Credit Card
Card Features:
- No joining fee.
- No annual membership fee.
- No fee for issuing the card.
- Flat 2% cashback in your preferred category (dining, shopping, or travel).
- 0.4% cashback on all additional purchases.
- Credit limit up to Rs. 3 lakh.
How to Apply:
1. Download and install the Jupiter app.
2. Register using your phone number and complete phone number verification.
3. Provide your email address.
4. Enter your PAN card details.
5. Start the credit card application process.
6. Fill in basic user details and complete e-KYC (electronic Know Your Cust
Apply The Next-Gen Credit Card For Those Who Love Rewards. 1% Cashback5x RewardsZero Forex Markup & Much More. Visit The Site Now To Know More.
Learn about CIBIL & How It Can Help You, Get A Free CIBIL Score & Report For One Free Annual Credit Report Once A Calendar Year, Stay Updated And Credit-Ready Always, With A CIBIL Subscription Plan, Monitor Your Company’s Credit Health With The CIBIL Subscription.
Get 12% Off Instant Discount Upto Rs.1,800 Minimum Average Transaction Value Is Rs.10,000 On Domestic Flight Booking Applicable on: ICICI Bank Credit Cards and Debit Cards only (excluding Amazon Pay ICICI Bank Credit Card) Book through Website, mobile site and mobile app (Android & iOS) only The offer is valid on 1 booking per card per calendar month, using the above Offer Code.The offer is valid only on Mondays Use The Coupon Code FLYMON To Avail The Offer Visit The Landing Page To Grab The Offer Validity -Limited Period
FLYMON
Show CouponGet 10% Instant Discount Upto Rs.3,000 On International Flight Booking as per the offer for the amount paid through ICICI Bank Credit Cards only (excluding ancillaries, insurance, and convenience fees).This offer will be applicable every Friday, Saturday, and Sunday during the offer period for Credit CardsThis offer will not be applicable on Business, Commercial, Corporate ICICI Bank Credit Cards and Amazon Pay ICICI Bank Credit Card Use The Coupon Code To Avail The Offer Visit The Landing Site To Grab The Offer Validity-Limited Period
ICICINTC10
Show CouponNow Get Flat 10% Off On Domestic Hotels On Payment via Bajaj EMI Cards. Min Booking Of Rs.5,000 Required. Max Discount Of Rs.800 Can Be Availed. Get Easy EMI. Visit The link To Know More.
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Show CouponApply SBI's Simply Click Credit Card & Get Free ₹500 Amazon Voucher
It takes only 5 mins to apply, Click on the link below and Apply Now
Steps : Fill Your Personal Details » Verify Number » Submit The Application » Complete Online Or Offline Verification & Done.
Benefits Of SBI Card -
₹500 Amazon Gift Voucher.
Earn 10 rewards on every ₹100 spent on Dining, Movies, Departmental Stores and. Grocery Spends
4 reward points = ₹1.
Eligibility ↓↓↓↓
Salaried: Rs 20,000/month
Self-Employed: Rs 30,000/month
CIBIL Score - 700 or mor
While credit cards offer many benefits, it's important to use them responsibly to avoid debt and high interest charges. Always pay your balance in full and on time to maximize these advantages. And with the following, you will have a clear picture to choose the right one for you.
1. Convenience: Credit cards are widely accepted, making them a convenient payment method for both online and in-person purchases. They eliminate the need to carry large amounts of cash.
2. Rewards and Cash Back: Many credit cards offer rewards programs that provide points, miles, or cash back for purchases. These rewards can be redeemed for travel, gift cards, merchandise, or statement credits.
3. Build Credit History: Responsible use of a credit card helps build and improve your credit score. A good credit score is essential for securing loans, mortgages, and better interest rates.
4. Interest-Free Period: Credit cards often come with an interest-free grace period, typically 20-30 days, allowing you to pay off your balance without incurring interest.
5. Purchase Protection: Credit cards often provide purchase protection, covering items that are damaged, lost, or stolen. Some cards offer extended warranties on products purchased.
6. Fraud Protection: Credit cards come with fraud protection measures, and most issuers have zero liability policies for unauthorized charges. It's easier to dispute charges on a credit card compared to other payment methods.
7. Emergency Funds: Credit cards can be a helpful resource in emergencies when you need quick access to funds.
8. Travel Benefits: Many credit cards offer travel-related benefits such as travel insurance, rental car insurance, and no foreign transaction fees. Some cards provide access to airport lounges and other travel perks.
9. Budgeting and Tracking: Monthly statements provide a detailed record of your spending, which can help with budgeting and financial planning.
10. Special Offers and Discounts: Credit card issuers often provide special offers, discounts, and access to exclusive events for cardholders.
Using a credit card wisely can help you take advantage of its benefits while avoiding common pitfalls. Here are some tips to manage your credit card responsibly:
1. Pay Your Balance in Full: Aim to pay off your entire balance each month to avoid interest charges.
2. Pay on Time: Set up automatic payments or reminders to ensure timely payments.
3. Monitor Your Spending: Keep track of your purchases to stay within your budget.
4. Use Credit Cards for Needs, Not Wants: Focus on using your card for essential expenses and emergencies.
5. Keep Your Credit Utilization Low: High utilization can negatively impact your credit score.
6. Avoid Cash Advances: Use cash advances only in emergencies and repay them quickly.
7. Protect Your Information: Keep your credit card information secure to prevent fraud and identity theft.
Credit Card Category | SBI Offers |
SBI Card Elite | Free Movie tickets | Earn UPTO 50,000 Reward Points + Complimentary Membership |
Simply CLICK SBI Card | 10X Reward Points on BookMyShow, ClearTrip, Apollo 24X7 & Netmeds |
Doctor's SBI Card | Insurance Cover of UPTO 20 Lakhs | 5X Reward Points on Medical Supplies, Travel Bookings, International Spending and Doctors’ Day |
HDFC Credit Cards | HDFC Offers |
Pixel Play Credit Card | Movie Tickets, Online Shopping, and Travel Booking get 5% Cashback |
Swiggy HDFC Bank Credit Card | 10% Cashback on Swiggy application |
Regalia Gold Credit Card | Earn Bonus 15,000 Reward Points |
HDFC Money-Back Credit Card | 2x reward points for shopping online |
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Applying for credit cards via PaisaWapas can offer several advantages, making the process more beneficial and convenient for users. Here are some key benefits:
1. Exclusive Offers and Deals: PaisaWapas often provides special offers, discounts, and cashback deals for users who apply for credit cards through their platform. Where these exclusive deals can enhance the value you receive from your credit card.
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6. Potential for Cashback on Application: PaisaWapas offers cashback incentives for simply applying for a credit card through our platform. This additional benefit can make the application process even more rewarding.
By applying for credit cards via PaisaWapas, you can take advantage of these benefits, ensuring a more informed, convenient, and rewarding experience.