Articles for Credit Cards

UPI credit cards will grow massively in next 1-2 years, says Riya Bhattacharya of Rio Money
1 week ago

UPI credit cards will grow massively in next 1-2 years, says Riya Bhattacharya of Rio Money

Live Mint  

Once a user starts using a UPI credit card, it becomes a daily habit. This program enables users to link their RuPay credit cards to UPI apps in order to make payments. Hence we are seeing that once a user starts using UPI Credit Cards, it becomes a daily habit for them. Even small payments are possible using UPI Credit …

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Best credit cards for international students: Top 3 picks for abroad
1 week ago

Best credit cards for international students: Top 3 picks for abroad

Live Mint  

If you are a student planning to pursue education abroad, financing your expenses might be the biggest challenge. Features of a student credit card Fees and charges: Most student credit cards do not levy any joining fees and have minimal annual fees compared to a usual credit card. Validity: The validity for most student credit cards is around five years, …

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How to calculate foreign currency conversion mark-up fees on credit cards?
1 week ago

How to calculate foreign currency conversion mark-up fees on credit cards?

Live Mint  

If you carry a credit card from India while travelling abroad and use it at a merchant overseas, you should remember that you will be charged a conversion mark-up fee. This mark fee typically varies between 1.5 to 3.5 percent of the converted Indian currency. Banks typically charge a mark-up fee, which ranges between 1.5 to 3.5 per cent of …

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Why more Americans are turning to Buy Now, Pay Later payment plans, in 4 charts
1 week, 1 day ago

Why more Americans are turning to Buy Now, Pay Later payment plans, in 4 charts

CNN  

CNN — Buy now, Pay Later services had their best day yet on Cyber Monday, with consumers spending a record-breaking $991.2 million, according to Adobe Analytics. BNPL payment plans especially influence shoppers who usually spend less and are more reliant on credit cards, said Dionysius Ang, a consumer researcher and associate professor at the University of Leeds in England. “The …

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Top 4 credit cards for saving big on IRCTC railway tickets
1 week, 3 days ago

Top 4 credit cards for saving big on IRCTC railway tickets

Live Mint  

Credit cards have become a popular choice amongst travellers as they provide great deals and exclusive discounts so that you can have a luxurious vacation while avoiding a hole in your pocket! Let us have a look at some of the most popular train travel credit cards which you can consider to apply for: Best train travel credit cards Travel …

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Avoid THIS credit card scam to protect your CIBIL score
1 week, 3 days ago

Avoid THIS credit card scam to protect your CIBIL score

India TV News  

Banks often promote their credit cards aggressively because they earn a lot of money from various fees associated with their use. Image Source : FILECredit card scam How it affects your credit score This approach is being used by many banks and agencies, so it’s important to be cautious about such credit cards. For instance, if you have a low …

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Top 4 credit cards that let you stay at luxury hotels for free
1 week, 4 days ago

Top 4 credit cards that let you stay at luxury hotels for free

Live Mint  

Credit cards are no longer just a luxury but have aligned with our day to day spending habits. American Express platinum credit card Key benefits: Enjoy complimentary membership with luxury hotel programs like Taj InnerCircle Epicure, Honors Gold by Hilton and Marriott Bonvoy Gold Elite. Enjoy freebies worth ₹ 37,000 including free room upgrade, breakfast for two, late checkout and …

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Why do we spend more with credit cards? The hidden psychology behind it
1 week, 4 days ago

Why do we spend more with credit cards? The hidden psychology behind it

Live Mint  

Credit cards offer you great rewards and cashbacks through which you can maximise your savings and spend smartly. Credit cards make the payments on your behalf while you do not have to worry to spend cash until the due date of the billing cycle of the credit card. Rewards programs: Credit cards provide you with reward programs which include cashbacks, …

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Credit card rent payments: Is it a smart financial move or a risky choice?
1 week, 4 days ago

Credit card rent payments: Is it a smart financial move or a risky choice?

Live Mint  

While credit cards have made rent payments unattractive by levying charges on such expenses, there are several third-party apps that still offer the service by offering bonus points, cashbacks and gift vouchers. Rent payments to landlords through digital modes such as third-party apps, mobile wallets and credit cards surged during the Covid pandemic. Also, third-party apps do not require users …

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Top 5 credit cards for international travel: How to avail low forex charges, hotel memberships and other benefits
1 week, 4 days ago

Top 5 credit cards for international travel: How to avail low forex charges, hotel memberships and other benefits

Live Mint  

Credit cards: Are you all set for vacations as the year comes to a close? Joining fee: ₹12,500 SBI ELITE Credit Card The SBI ELITE Credit Card Foreign offers a currency mark-up charge of 1.99 per cent on international usage. Joining fee: ₹4,999 HDFC Regalia Gold Credit Card This credit card has a foreign currency markup charge of 2 per …

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Top 4 Premium Credit Cards: The best choice for high net worth individuals
1 week, 6 days ago

Top 4 Premium Credit Cards: The best choice for high net worth individuals

Live Mint  

Premium credit cards are offered by banks to high net worth individuals and also to their old loyal customers. Although the joining fee as well as the annual fee of these credit cards is skyrocketing, theyprovide you with the best privileges, including premium travel reward programs with elite hotel groups, free access to airport lounges, airport VIP facilitation, free golf …

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5 best credit cards offering the fuel surcharge waiver benefits
1 week, 6 days ago

5 best credit cards offering the fuel surcharge waiver benefits

Live Mint  

Fuel surcharges may appear to be an additional burden when the price of petrol is increasing. Top 5 fuel credit cards Fuel credit cards Joining fees BPCL SBI Credit Card Rs. Indian Oil Kotak credit card: Benefits of cashback and value-back, you can save up to 5% at Indian Oil pumps while buying fuel. Indian Oil HDFC Bank credit card: …

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Think you know credit scores? These 9 facts will surprise you
1 week, 6 days ago

Think you know credit scores? These 9 facts will surprise you

Live Mint  

Whenever you apply for a loan or a credit card, your credit score plays an important role in determining whether the bank will approve or reject your application. No loan or credit card equals no credit score To build and maintain a good credit score, you have to avail a loan or use a credit card regularly. A high credit …

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Why banks flag business expenses paid on personal credit cards
2 weeks ago

Why banks flag business expenses paid on personal credit cards

Live Mint  

Credit cards come in two broad categories – personal and business. The fine print of personal credit cards clearly says that they cannot be used for business spending, and hence separate cards are issued for business expenses. View Full Image Mint An example is when business owners started paying power bills, running into several lakhs of rupees, of their factories …

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Credit Cards: Fixed vs Variable APR – Pros, cons, and key insights
2 weeks ago

Credit Cards: Fixed vs Variable APR – Pros, cons, and key insights

Live Mint  

Credit cards have become a necessity for modern money management because of their flexibility and convenience. Both fixed and variable annual percentage rates are quite common in credit cards and have their own advantages and disadvantages. More expensive: Even though overall interest rates have declined, the fixed annual percentage rate remains the same. Advantages of variable APR Lower starting rates: …

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Charge Card vs. Credit Card: Which one is right for you? Find out
2 weeks ago

Charge Card vs. Credit Card: Which one is right for you? Find out

Live Mint  

Credit cards have become part of the money handling process in the fast world of today. The differences between credit cards and charge cards are going to be explained here, to help you in making a choice between which is best for you. Difference between charge cards vs. credit cards Parameters Credit cards Charge cards Spending limit Predetermined upper limit. …

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Managing multiple credit cards? Here are 10 essential tips you need
2 weeks ago

Managing multiple credit cards? Here are 10 essential tips you need

Live Mint  

A credit card is considered one of the most convenient financial tools for making emergency payments. It is important to strategise expenses in line with your credit limit and make bill payments on time, especially when you have multiple credit cards. Make a budget Before using multiple credit cards or planning to get many cards, it is important to make …

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Young people travel hacking with credit card rewards points are failing to clear their debts
2 weeks, 1 day ago

Young people travel hacking with credit card rewards points are failing to clear their debts

ABC  

Discounted flights, upgrades, swanky hotels, and cheap wine — there are few people who would say no to a little something-for-nothing right now. A study by consumer research group Canstar of 3,070 respondents found more than half of people aged 18 to 29 with a credit card sign up solely to earn travel rewards points. Annual fee and high interest …

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The fine art of skiplagging
2 weeks, 2 days ago

The fine art of skiplagging

The Independent  

Q Have you ever “skiplagged”? Name supplied A “Skiplagging”, also known as “hidden-city flying” and “throwaway ticketing”, is a technique to exploit a common anomaly of air travel: that a plane ticket from A via B to C is often cheaper than one from A to B. open image in gallery The 100ml limit was brought in nearly two decades …

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IDFC FIRST Bank Elevates Customer Experience with India’s First AI-Powered Interactive Avatar of its brand ambassador Amitabh Bachchan
2 weeks, 2 days ago

IDFC FIRST Bank Elevates Customer Experience with India’s First AI-Powered Interactive Avatar of its brand ambassador Amitabh Bachchan

Live Mint  

Mumbai 6th December, 2024: IDFC FIRST Bank has unveiled the first-of-its-kind AI-powered holographic digital avatar of the country’s most celebrated and legendary actor Amitabh Bachchan, setting a new benchmark in customer engagement and digital innovation. It has been an amazing journey with Wing Commander Ramesh Pulapaka, CEO & Director - AB Corp. Ltd., from conceptualising this pioneering concept to bringing …

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7 best credit cards which offer complimentary access to airport lounges in India and abroad. List here
2 weeks, 3 days ago

7 best credit cards which offer complimentary access to airport lounges in India and abroad. List here

Live Mint  

If you are a travel freak, you would naturally be spending a lot of time at airports. Here we list out some of the famous credit cards which give complimentary access to airport lounges: I. HDFC Bank Regalia Gold Credit Card: This credit card offers 12 complimentary airport lounge access in a year. Kotak Mahindra Bank: Kotak Mahindra offers Mojo …

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Credit Cards: How do they affect your credit score and loan eligibility?
2 weeks, 3 days ago

Credit Cards: How do they affect your credit score and loan eligibility?

Live Mint  

Credit cards are a great way to save smartly on your transactions and earn exclusive rewards and discounts on your favourite brands. Credit cards may affect your credit history and also impact your credit score as well as your future loans. Aim to utilise only 30-40% of your credit limit to maintain a low credit utilisation ratio, which is vital …

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Top 4 American Express Credit Cards: Features, eligibility criteria and more
2 weeks, 3 days ago

Top 4 American Express Credit Cards: Features, eligibility criteria and more

Live Mint  

From meal credits to traveling advantages, American Express credit cards have been well-known for such fine benefits and perks. Best American Express Credit Cards American Express Credit Card Annual fees Second year fees American Express Membership Reward Credit Card Rs. American Express Platinum Travel Credit Card This card, which is specifically designed for frequent travellers, provides excellent travel benefits that …

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Cashback vs. Rewards: Which credit card maximizes your spending?
2 weeks, 3 days ago

Cashback vs. Rewards: Which credit card maximizes your spending?

Live Mint  

The credit card you choose can really make a difference in your financial life. The credit cards mostly come with rewards such as cash back, reward points, and other exclusive offers. With rewards credit cards, you might earn points, miles, or cash equivalents for each purchase. On the other hand, rewards credit cards earn points for every spent, which can …

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