- 15
- Episodes
- 2022
- First episode
About Samayra Credit Guide Podcast Show
Hi, I am Samayra a credit card podcaster. Through my podcast I strive to provide information that will help my audience to make right decision regarding credit card
- Publisher
- Samayra Rawat
- Category
- business
- Language
- en
- Explicit
- No
- First episode
- 13 Oct 2022
- Latest episode
- 9 Nov 2022
Latest episodes
15 episodes in the feed.
9 Nov 2022
SBI SimplyClick Credit Card
SBI SimplyCLICK Credit Card is an entry-level credit card that is best suited for frequent online shoppers. This credit card offers extra rewards and benefits on online transactions at different partner brands like Amazon, BookMyShow, Cleartrip, Lenskart and more. Additionally, you can also earn privileges like complimentary gift vouchers, fuel surcharge waiver and annual fee reversal via this credit card. Read on, to know more about SimplyCLICK SBI Card. For more information refer to: https://pin.it/5UYOAtO (https://pin.it/5UYOAtO)
8 Nov 2022
How To Recover A Stolen Credit Card
In case of any event of the loss of your credit card, you must take certain actions immediately for any delay in it would increase the chances of your credit card getting misused. We will have a look at the steps you will have to take in case you lose your credit card: Step 1. Call your credit card issuer Call your credit card issuer immediately to report the loss or theft of your missing card. Typically, you would check the back of the card for the telephone number to call. That’s not an option when your card has been lost or stolen.Step 2. Register an FIR: Once you have informed the bank about the loss of your credit card, it is always a good option to visit the nearest police station and register an FIR with the police regarding the loss of your credit card. Step 3. Follow up and keep records It’s a good idea to follow up after reporting your loss. Send your credit card issuer a letter or an email. Here’s what to conclude: Your account number. The date and time you noticed your card was missing. When and how you reported the loss to the issuer. For more information refer to: https://cardinsiderin.wordpress.com/2022/11/03/how-to-recover-a-stolen-credit-card/ (https://cardinsiderin.wordpress.com/2022/11/03/how-to-recover-a-stolen-credit-card/)
7 Nov 2022
HDFC Bank Millennia Credit Card
The Millennia credit card is one of the most sought-after cards from HDFC Bank, majorly due to the offers and benefits the card comes with. This HDFC card is available for a membership fee of Rs.1,000 plus applicable taxes for the first year and Rs.1,000 plus applicable taxes of renewal membership fee. You can get a waiver on your renewal fee for the next renewal year if you spend Rs.1 lakh in 1 year. HDFC Millennia Credit Card Benefits & Features Get Rewarded for Every Spend With the Millennia credit card, you can get 5% cashback on Amazon, Flipkart, Hotel & Flight bookings on shopping via PayZapp and SmartBuy. Also, enjoy 2.5% cashback on all online spends and 1% cashback on all offline spends and Wallet reloads. Zero Liability on Lost Card In the unfortunate event, loss and theft of the card, report immediately to 24x7 HDFC credit card customer care and you'll have zero liability on any fraudulent transactions made on your card. Lounge Access Enjoy 8 complimentary domestic airport lounge access per calendar year (2 in a quarter and Rs. 2 will be charged per swipe on your HDFC Millennia credit card). For more information refer to: https://pin.it/5mkJ4Oz (https://pin.it/5mkJ4Oz)
4 Nov 2022
IndusInd Legend Credit Card
IndusInd Bank Legend Credit Card is a super premium credit card that is best suited for people who frequently travel and want to earn reward points. Apart from travel, this card also provides benefits on multiple categories, including dining, shopping, entertainment, golf and more. It is a chip-based contactless credit card that makes transactions seamless, be it online shopping, payment at stores or cash withdrawal through ATM. Read on to know more about this credit card. Key Highlights of the IndusInd Bank Legend Credit Card Accelerated reward points on weekend spends. Fuel surcharge waiver of 1%. Comprehensive and complimentary golf program. Buy One Get One offer on movie ticket bookings from BookMyShow. IndusInd Bank Legend Credit Card Limit The limit of the IndusInd Bank Legend Credit Card is given at the discretion of the bank. The IndusInd Bank will be considering a number of factors before assigning the credit limit for the card. Some of these factors are the annual income of the primary applicant, the credit score, and the repayment habits of previous debts. For more information refer to: https://pin.it/6xlzEhn (https://pin.it/6xlzEhn)
2 Nov 2022
HDFC Bank INFINIA Credit Card Metal Edition
HDFC Bank Infinia Credit Card Metal Edition (previously named Infinia Credit Card) is a super-premium card that is offered to selected customers on a special invite from HDFC Bank. This credit card is best suited for high net-worth individuals (HNIs) and offers benefits under multiple categories, including travel, rewards, shopping, dining, etc. HDFC Infinia comes with a high reward rate and is a great choice for heavy spenders. Key Highlights of HDFC Infinia Credit Card It is a contactless Metallic Card. Get complimentary nights and weekend buffet at participating ITC hotels. Get complimentary Club Marriott membership for the first year. Get unlimited airport lounge access globally for Primary as well as Add-on card member. 24 X 7 global personal concierge. HDFC Infinia card comes with the lowest markup fee of 2% on all foreign currency transactions. Reward Point Benefits With this card, you will have access to one of the best rewards programs offered by the bank. Get 5 reward points for every Rs.150 spent on the card with no conditions attached. Earn up to 10 times Reward Points on travel and shopping spends on Smartbuy. HDFC Bank Infinia Credit Card Limit There is no pre-set card limit on the HDFC Bank Infinia credit card. To know more about the credit limit, you can visit the bank branch or call the HDFC credit card toll free number. For more information refer to: https://visual.ly/community/Infographics/business/hdfc-infinia-credit-card
1 Nov 2022
A Guide To Travel Credit Cards For Beginners
If you're thinking about getting into the points and miles game, you'll want to find a credit card that -- at a minimum -- makes it easy to earn and redeem travel rewards. Luckily, there are plenty of beginner-friendly cards that fit that description. Even better? Many come with extra features like sign-up bonuses, no foreign transaction fees, and travel insurance. Travellers have a variety of credit cards to choose from – because travel credit cards offer not only extra air miles and tie-ups with specific airlines, but also discounts on hotel stays, dining and easy transactions in foreign countries. Benefits of Travel Credit Cards: Airport Lounge Access- Travel credit cards allow the user to access domestic and international lounges. Accelerated Rewards on Travel- Based on the type of card, the bank offers accelerated rewards on a particular category. Co-branded Benefits- A number of providers have launched travel credit cards in association with airlines or a travel website. Travel Voucher- This is also a very common benefit that you can avail on a travel-centric credit card. For more information refer to: https://karannegii.wordpress.com/2022/11/01/a-guide-to-travel-credit-cards-for-beginners/ (https://karannegii.wordpress.com/2022/11/01/a-guide-to-travel-credit-cards-for-beginners/)
31 Oct 2022
American Express Gold Card
A global provider of financial services with its headquarters in New York City, American Express began operations in 1850 and issued the first American Express® card in 1958. A Gold Card is a charge credit card offered by American Express other than a Platinum Card. These Charge Cards are special as they do not have a pre-established credit limit. American Express has updated the Gold Card's offer/discount catalogue, making it an even more attractive option. Gold Card offers followings Rewards and Benefits: Bonus rewards on dining, supermarkets and certain travel 4 Membership Rewards points when you dine at restaurants. This includes takeout. 1 point on all other spending. 3 points on flights booked directly with airlines Travel and entertainment perks Discounts in association with some of the most prestigious hotel chains, 10% off Air Vistara tickets. with promo code AMEXGOLD, get upto 50% off on OYO Rooms For select events, cardholders will have access to presale and/or preferred seating tickets purchased with their American Express® Gold Card. You can be covered for lost, damaged or stolen baggage when you purchase your entire ticket on your card. When you use your American Express® Gold Card to reserve and pay for your car rental, and decline the collision damage waiver at the rental car counter, you can be covered if the car is damaged or stolen. For more information refer to: https://www.slideserve.com/kartik7/american-express-gold-card-powerpoint-ppt-presentation (http:// https://www.slideserve.com/kartik7/american-express-gold-card-powerpoint-ppt-presentation)
28 Oct 2022
Credit Card Frauds: You Should Be Aware Of
If you use a credit card, chances are that you have been a victim of credit card fraud or you probably know of someone who has been a victim to card fraud. The thing with credit card scams is that while banks and customers do their best to stay alert, scammers are always coming up with new ways to scam you. In some cases, they just put a new spin on an old scam. So, how does one stay alert in such a scenario? Well, the best way is to stay informed of the different methods scammers use to get your credit card information out of you. Here are some common ways fraudsters and scammers make credit card frauds: Physical access to the credit card (lost or stolen credit card) Skimming your credit card (through Point of Sales (POS) devices) Phishing Malware Attack Stealing your email details Stealing your documents Looking over your shoulder at checkout How can you prevent it? You should always use licensed software. Use a virtual keyboard whenever you need to type sensitive information, such as credit card details, internet banking passwords, etc. as the malware cannot read the data you type on a virtual keyboard. Use authentic antivirus software and remember to do periodic scans. Do not click on the links that come from an untrusted source. For more information refer to: https://cardinsider.wixsite.com/cardinsider/post/credit-card-frauds-you-should-be-aware-of (https://cardinsider.wixsite.com/cardinsider/post/credit-card-frauds-you-should-be-aware-of)
27 Oct 2022
Pros And Cons Of Low-Interest Credit Cards
Low interest credit cards feature low-interest rates, as the title implies. Rates on low interest cards typically vary between 10% and 15%, which is much less than a credit card with travel incentives. If you usually carry a monthly balance, these cards are perfect for you. For more information refer to: https://www.anamarzablog.com/pros-and-cons-of-low-interest-credit-cards/ (https://www.anamarzablog.com/pros-and-cons-of-low-interest-credit-cards/) Following are the Pros and Cons of Low-Interest Credit Cards: Pros: Save money on interest payments: You'll save money on monthly interest payments, which is arguably the largest benefit of low interest credit cards. Consider a low interest credit card if you frequently carry a debt on your credit card from month to month. Lower annual fees: Annual fees on low interest credit cards are often cheaper. There may be an annual cost of $0 or $30, depending on the card you pick. Helps pay off current credit card debt We usually advise utilising a balance transfer credit card if you have a significant amount of credit card debt. Credit cards with balance transfers are without a doubt the finest method for paying off credit card debt that has accrued. Cons: No rewards: The main drawback of a low interest credit card is that it won't provide as many bonuses and incentives as a rewards card. Say no to cash advances: For cash advances, the majority of low interest credit cards have hefty interest rates. Using your low interest credit card for cash advances is not something we would advise.
26 Oct 2022
Amazon Pay ICICI Credit Card
Amazon Pay ICICI Card is one of the most popular cashback credit cards in India offering up to 5% cashback on Amazon and 1% flat cashback on all other transactions. Co-branded with one of the biggest e-commerce websites- Amazon- the card quickly gained popularity in India, especially because of its ‘free for lifetime feature’. The Amazon Pay ICICI Bank Credit Card is the first credit card in the country which allows customers to shop on Amazon.in and earn rewards against the same. For more information refer to: https://flic.kr/p/2nVitvD (https://flic.kr/p/2nVitvD) Amazon Pay ICICI Credit Card Features and Benefits No annual fee or joining fee No cap on the reward points earned on the card No expiry date for the reward points earned on the card Rewards on ICICI Amazon Pay Credit Card If you’re an Amazon Prime member, you get a cashback of 5% on all purchases made on Amazon.in. If you’re a non-Prime member, you get a cashback of 3% on all purchases made on Amazon.in. Eligibility Criteria for the Amazon Pay ICICI Bank Credit Card Must be18 years old and salaried employee. You must have a minimum monthly income of ₹25,000 if you are an ICICI employee and ₹ 30,000 if you are not. You must reside in a city that’s serviceable by the bank.
20 Oct 2022
Credit Cards Vs BNPL Cards: Know The Difference
When it comes to leveraging plastic, it is often said that the most delightful experience is a ‘light touch’ experience i.e. an ecosystem which enables cards to be accessed and transactions to be settled with minimal hurdles and maximum ease. Credit cards and buy now pay later (BNPL) cards are being offered on the aforementioned foundation, as these cards are now introducing a regimen of seamless journeys, be it online or offline. For more information refer to: https://increaseyourcredit.blogspot.com/2022/10/credit-cards-vs-bnpl-cards-know.html (https://increaseyourcredit.blogspot.com/2022/10/credit-cards-vs-bnpl-cards-know.html) What Is Buy Now, Pay Later? Buy now, pay later is a type of short-term financing. BNPL plans often charge no interest and no fees, with the exception of late fees for missed payments. These point-of-sale installment loans are offered by a number of companies. How do credit cards differ? Traditional credit cards might have evolved into ‘Pay-later’ schemes, but today’s millennial customers hold back their usage due to low transparency, high fees, and high-interest rates. So, they aren’t ideal for those without credit histories. Buy Now, Pay Later vs. Credit Cards: Which Is Better? Buy now, pay later plans and credit cards are both options to consider when making purchases online or in stores. But each has some advantages and disadvantages.
19 Oct 2022
What Are The Perks Of Citi Prestige Credit Card?
The Citibank Prestige Credit Card is a high-end card that provides rewards, Air Miles, and free gift cards along with travel and lifestyle features. You can get discounts and free stays at some hotels when you use this card. If you are a regular traveller and want to take advantage of premium benefits, this is the best choice. The yearly charge for this card is expensive, at Rs. 20,000. For more information refer to: https://6225ebd1d8471.site123.me/blog/what-are-the-perks-of-citi-prestige-credit-card (https://6225ebd1d8471.site123.me/blog/what-are-the-perks-of-citi-prestige-credit-card) Key Highlights of the Citi Prestige Credit Card 10,000 welcome air miles upon applying. Up to 2 reward points per Rs.100 spent. Complimentary night stays at participating hotels. Features and Benefits of the Citi Prestige Credit Card Annual/ Welcome Benefits Welcome gift of 2,500 reward points (equal to 10,000 air miles) within 60 days from the first transaction in a membership year Up to 2X Reward Points 1 reward point per Rs. 100 spent domestically (online & in-store) 2 reward points per Rs. 100 spent internationally Other Benefits Airport Meet & Assist Service: Dedicated escorts that guide you through all aspects of the arrival, connecting or departure process. Concierge Service: 24×7 concierge services to make travel-related bookings, gift deliveries and more.
17 Oct 2022
Citibank Prestige Credit Card
Citibank Prestige Credit Card is a premium card that offers travel and lifestyle benefits in the form of rewards, Air Miles and complimentary vouchers. With this card, you can avail discounts as well as complimentary stays at selected hotels. This is an ideal option if you are a frequent traveller and want to avail premium benefits. However, this card comes with a high annual fee of Rs. 20,000. Read on, to know more about this credit card. For more information refer to: https://www.slideserve.com/kartik7/citibank-prestige-credit-card (https://www.slideserve.com/kartik7/citibank-prestige-credit-card) Key Highlights of the Citi Prestige Credit Card 10,000 welcome air miles upon applying. Up to 2 reward points per Rs.100 spent. Complimentary night stays at participating hotels. Features and Benefits of the Citi Prestige Credit Card Welcome Gift and Annual Bonus Reward Points Airport Lounge Access Bottom line: Though the reward rate may look eye catching, this card is only for those who can play smart with Points & Miles with Airline and hotel loyalty programs. That being said, its on my wish-list for quite a time and i hope i’ll get them someday, when the need arises!
14 Oct 2022
Episode 2
HDFC Millennia Credit Card is best suited for millennials who frequently shop online and want to earn significant value-back on all their spends. It is one of the best cashback credit cards in India and offers up to 5% cashback on online transactions and 1% cashback on all other spends. Read on to know about its features, benefits and other details. For more information refer to: https://www.edocr.com/v/nyavkyon/Cardinsider/hdfc-bank-millennia-credit-card (https://www.edocr.com/v/nyavkyon/Cardinsider/hdfc-bank-millennia-credit-card) Key Features of the HDFC Bank Millenia Credit Card Cashback of 2.5% on all online purchases (on minimum purchase of Rs.2,000). 5% cashback on Flipkart, Amazon, and flight & hotel bookings done via SmartBuy and PayZapp. 1% cashback on all offline purchases and wallet reloads (minimum purchase of Rs.100) Other Benefits: Complimentary Domestic Lounge Access.Annual Fee Waiver, Fuel Surcharge Waiver Fees and Charges: Joining fee for HDFC Millennium Credit Card is ₹ 1,000. HDFC Millennia Credit Card offer benefits on everyday brands like Zomato, Uber, Flipkart, Amazon, etc. which turns out to be its unique selling proposition. Though a lot of credit cards are now focusing on such practical spend categories, Millennia was among the first few cards to come up with these features.
13 Oct 2022
How To Increase Credit Card Limit?
Credit limit, as the name indicates, is the purchase limit set by the credit card company or a bank on a particular credit card. The limit, which is usually in terms of money, is the maximum amount the user can spend using the credit card. However, if consumers want to raise their credit card limit and are dissatisfied with their current limit, they can do so in the following ways: For more information refer to: https://cardinsider.mystrikingly.com/blog/how-to-increase-credit-card-limit (https://cardinsider.mystrikingly.com/blog/how-to-increase-credit-card-limit) Ways to increase Credit Limit Use Your Card: The bank will increase your card's credit limit automatically if you use it frequently and make on-time, complete payments for all of your bills. Request to increase Credit Limit: Depending on the justification you gave for the request, most banks will boost your credit card limit if you ask them to. You can go to the bank's branch or submit a request online to raise the limit. Pay Your Bills on Time: Your credit score may rise if you pay your credit card payments consistently and on time, and the bank will view you as a trustworthy cardholder. Banks frequently increase your credit card limit as a result.
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