- 18
- Episodes
- 2022
- First episode
About Vivan Rana Credit Guide Podcast Show
Hi, I am Vivan Rana 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
- Vivan Rana
- Category
- society & culture
- Language
- en
- Explicit
- No
- First episode
- 11 Oct 2022
- Latest episode
- 10 Nov 2022
Latest episodes
18 episodes in the feed.
10 Nov 2022
AU Small Finance Bank Credit Card: Everything You Need To Know
AU small Finance bank – one of the popular small finance bank in the country has come up with a range of credit card offerings to the public. It’s probably the only small finance bank in the country to provide independent credit card services. AU Small Finance Bank offers different credit cards suitable for different requirements of customers. You can choose AU SFB for rewards, cashback, discounts, fee waivers, and much more. Here is a list of four AU SFB Credit Cards along with their features, fees, etc. AU Bank Zenith Credit Card AU Bank Vetta Credit Card AU Bank Altura Plus Credit Card AU Bank Altura Credit Card AU Small Finance Bank LIT Credit Card Features of AU Bank Credit Cards You get airport and lounge access with a few AU Bank credit cards There is no joining fee for the credit cards. The interest ranges between 1.99% to 3.49%. 10X/5X reward points on all online domestic & international retail transactions 5% cashback 3 times over a 90 days period For more information refer to: https://theomnibuzz.com/au-small-finance-bank-credit-card-everything-you-need-to-know/ (https://theomnibuzz.com/au-small-finance-bank-credit-card-everything-you-need-to-know/)
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://visual.ly/community/Infographics/business/sbi-simplyclick-credit-card (https://visual.ly/community/Infographics/business/sbi-simplyclick-credit-card)
8 Nov 2022
How To Redeem Rewards Points In HDFC Credit Cards
HDFC Bank offers a Credit Card Rewards Programme called MyRewards to its credit cardholders that makes shopping a rewarding experience. Each credit card is eligible to earn reward points based on the type of the card. Reward points are awarded for expenses on the HDFC Bank credit card. Once a customer has accumulated at least 500 reward points, they can redeem it from a number of options ranging across products, gift vouchers, discounts and air miles. Below mentioned are a few things that you must keep in mind before earning or redeeming the credit card reward points: A minimum of 500 points are required to initiate rewards redemption You are required to fill out a reward redemption form to redeem the earned reward points Note down the Redemption Order Number for future queries or complaints The items will be sent to your registered communication address. If you want the same to be delivered at a different address, you can speak to HDFC credit card customer care For more information refer to: https://personalfinancebyrajat.blogspot.com/2022/11/how-to-redeem-rewards-points-in-hdfc.html (https://personalfinancebyrajat.blogspot.com/2022/11/how-to-redeem-rewards-points-in-hdfc.html)
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://visual.ly/community/Infographics/business/hdfc-bank-millennia-credit-card (https://visual.ly/community/Infographics/business/hdfc-bank-millennia-credit-card)
4 Nov 2022
IndusInd Bank 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://visual.ly/community/Infographics/business/indusind-legend-credit-card (https://visual.ly/community/Infographics/business/indusind-legend-credit-card)
2 Nov 2022
Ways To Get The Most Out of Your Rewards Credit Card
Credit cards can provide an array of benefits, from 0% interest financing to free shipping access, but perhaps one of the most lucrative perks is the potential to earn rewards.Rewards cards come in all shapes and sizes, providing you with cash back, points or miles that you can redeem for statement credits, travel, gift cards and much more. But if you take certain actions, like carrying a balance, you may negate any rewards you earn. To help you make sure that you don’t miss out on the best rewards out there, we’ve put together a list of five ways you can get the most out of your credit cards’ rewards programs. Choose the right cards There’s no best credit card out there for everyone. The right card for you depends on your spending habits, your personal preferences, and your credit score. Spending habits Personal preferences Credit score Use your cards for everything Know what doesn’t generate rewards Pay off your balance in full Redeem your rewards the right way Rewards credit cards have a lot to offer, but it may require a little extra legwork and brain power to get the most out of yours. And if you do it right, you could score hundreds of dollars, if not thousands, worth or rewards each year. For more information refer to: https://divyanegii.blogspot.com/2022/11/ways-to-get-most-out-of-your-rewards.html
1 Nov 2022
How To Choose A Cashback Credit Card?
Cashback is the simplest form of benefit a credit card can offer. You spend money and you get real value back, instead of earning rewards and later redeeming them for cash, vouchers or other items. There are several cashback credit cards in India, most of them offering extra cashback on select spending categories. There is no single cashback card to match everyone’s needs so you should pick the right credit card based on how you spend your money. Choosing a card that meets your spending behaviour thus gives you more benefit compared to a regular cashback card. When used properly cashback credit cards significantly reduce you cards annual maintenance. Here are the best cashback credit cards offered by top banks. Make sure to choose one based on your spending pattern. Features and Benefits on Cashback Credit Cards: 2 reward points on every Rs.150 spent. 4 reward points on every Rs.150 spent on online shopping. Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500. Free accidental death insurance up to Rs.50 lakh. How we picked these cashback credit cards? The main criterion for us has been the value back that each of these cards offer. We have also covered different spending categories from supermarket spends, fuel and groceries to those with comprehensive cashback benefits across multiple categories. Most of the cards in our list are from ‘low to moderate’ fee range and thus suited to the needs of many. For more information refer to: https://cardinsider.mystrikingly.com/blog/how-to-choose-a-cashback-credit-card
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.edocr.com/v/zzawzxgr/Cardinsider/american-express-gold-card (https://www.edocr.com/v/zzawzxgr/Cardinsider/american-express-gold-card)
28 Oct 2022
Should I Use a Credit Card At a Fuel Station?
With the price of fuel rising every year, a lot of people are looking for credit cards that could help them save on their fuel expenses. While most of the cards offer a certain amount of fuel surcharge waiver per month, there are cards designed specifically to cater to your fuel needs. Such cards help you save in the form of cashback, accelerated reward points, co-branded benefits and more. The annual fee of these credit cards ranges from zero to Rs.1,000, along with an interest rate ranging from 3.25% per month to 3.40% per month. Apart from offers and benefits on your fuel expenses, these cards also provide a wide range of offers in other categories, such as entertainment, dining and shopping as well. How to Apply for a Fuel Credit Card? An individual can apply for a Fuel Credit card by visiting the nearest branch of the bank from which he/she wants to avail of the card or apply online. The applicant needs to fill out the application form and provide the documents asked for to get himself/herself the Fuel Credit card and cut down on fuel expenses. Reasons to use a credit card for fuel purchases: Paying at the Pump with a Credit Card Saves You Time Paying at the Pump with a Credit Card Allows for Social Distancing Purchasing Gas with a Credit Card Makes it Easier to Track Gas Expenditures Purchasing Gas with a Credit Card Can Be Safer Purchasing Gas with a Credit Card Frees Up Your Money You Could Earn Rewards for Buying Gas with a Credit Card For more information refer to: https://cardinsider.blogspot.com/2022/10/should-i-use-credit-card-at-fuel-station.html (https://cardinsider.blogspot.com/2022/10/should-i-use-credit-card-at-fuel-station.html)
27 Oct 2022
What Happens If You Miss a Credit Card Payment?
There are steps you can take in order to minimise the potential repercussions that accompany missed payments. It is always best to pay your monthly payments on time and in full, but even the most organised cardholder’s can miss a payment. How bad can it be to miss or be late on one credit card payment? It’s not the end of the world or even your credit. But it could cost you — in late fees, higher interest rates and by lowering your credit score. Here’s what happens. For more information refer to: https://deepshikhapanwar.blogspot.com/2022/10/what-happens-if-you-miss-credit-card.html (https://deepshikhapanwar.blogspot.com/2022/10/what-happens-if-you-miss-credit-card.html) Late payment fee: In most cases, you’ll be hit with a late payment fee.If your credit card bill is 30 days past due, a late fee will be added to your minimum payment and any promotional APRs could be revoked. Your credit score will take a hit: Payment history makes up 35 percent of your FICO credit score, making it the single most important factor when determining your credit score. Your interest rate may go up: In addition to the late fee, your current interest rate will be applied to your balance. There are steps you can take to minimize the damage: Make the payment as quickly as possible. Focus on rebuilding your credit score. Avoid repeating this mistake. Add positive information to your credit report.
25 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://at.tumblr.com/cardinsider/amazon-payments-the-icici-bank-credit-card-is-a/j9g2jfu6qaax (https://at.tumblr.com/cardinsider/amazon-payments-the-icici-bank-credit-card-is-a/j9g2jfu6qaax) Amazon Pay ICICI Credit Card Features and Benefits No annual fee or joining fee No cap on the reward points earned on the card No expiry date for the reward points earned on the card Rewards on ICICI Amazon Pay Credit Card If you’re an Amazon Prime member, you get a cashback of 5% on all purchases made on Amazon.in. If you’re a non-Prime member, you get a cashback of 3% on all purchases made on Amazon.in. Eligibility Criteria for the Amazon Pay ICICI Bank Credit Card Must be18 years old and salaried employee. You must have a minimum monthly income of ₹25,000 if you are an ICICI employee and ₹ 30,000 if you are not. You must reside in a city that’s serviceable by the bank.
20 Oct 2022
Best Credit Cards For This Diwali Season
Diwali, the festival of lights, is an occasion that is celebrated by all the people in this country. It is celebrated as a victory mark of good over evil. People decorate their houses with candles, light crackers, share sweets and enjoy themselves with their loved ones. Most of us, who live far away from our homes for work related purposes, find it as the right time to visit their family during Diwali. It is one of the happiest times of the year which brings everyone closer. For more information refer to: https://divyanegii.blogspot.com/2022/10/best-credit-cards-for-this-diwali-season.html (https://divyanegii.blogspot.com/2022/10/best-credit-cards-for-this-diwali-season.html) Following are the best credit card for this diwali season: SimplySAVE SBI Card The SimplySAVE SBI Card lets you save on your everyday spends. The first-year fee (joining fee) is Rs.499. You pay Rs.499 as the annual fee from the second year onwards. This amount is waived if you charge more than Rs.1 lakh to your card in a year. HDFC MoneyBack Credit Card: HDFC MoneyBack is one of the most popular entry-level credit cards in India which offers cashback on every transaction. The card offers 2X reward points on online shopping and 2 reward points on every retail spend. The benefits provided on this credit card are quite satisfactory as compared to the annual fee. Amazon Pay ICICI credit card: Amazon Pay ICICI Card is one of the most popular cashback credit cards in India offering up to 5% cashback on Amazon and 1% flat cashback on all other transactions. Co-branded with one of the biggest e-commerce websites- Amazon- the card quickly gained popularity in India, especially because of its ‘free for lifetime feature.
19 Oct 2022
Benefits of Using Credit Card For Shopping
Shopping credit cards are specially designed for lifestyle benefits, for instance- discounts on apparel, footwear, electronics and others. These credit cards are beneficial for frequent shoppers. Apart from discounts and offers, a shopping credit card also features other benefits such as domestic lounge access, milestone benefits, complimentary gift vouchers, e-vouchers and annual fee reversal. For more information refer to: https://cardinsiderin.wordpress.com/2022/10/18/benefits-of-using-credit-card-for-shopping/ (https://cardinsiderin.wordpress.com/2022/10/18/benefits-of-using-credit-card-for-shopping/) Here under are the benefits offered by shopping credit card: Additional advantages throughout the festive season:Shopping dominates the holiday season, isn't it? gifts, new clothing, home renovations, and decorations. If you are struggling with money, it becomes an issue. As a result, a credit card could be useful to you because it gives a line of credit in addition to other benefits. Benefits offered by affiliate brands:It is recommended to opt for a credit card that is affiliated with a brand you love if you enjoy shopping and have a few favourites. Ability to pay for immediate needs: Credit cards could be useful in an emergency. similar to an unforeseen family wedding or an unplanned trip. Features of shopping credit cards: These shopping credit cards redeem a percentage of transactions as cashback. These shopping credit cards do not offer instant payback instead ensure gifts and rewards. These shopping credit cards offer regular discounts on purchases made at particular online or offline stores·
17 Oct 2022
Episode 5
Citibank Prestige Credit Card is a premium card that offers travel and lifestyle benefits in the form of rewards, Air Miles and complimentary vouchers. With this card, you can avail discounts as well as complimentary stays at selected hotels. This is an ideal option if you are a frequent traveller and want to avail premium benefits. However, this card comes with a high annual fee of Rs. 20,000. Read on, to know more about this credit card. For more information refer to: https://www.edocr.com/v/2nxx2onn/Cardinsider/citibank-prestige-credit-card (https://www.edocr.com/v/2nxx2onn/Cardinsider/citibank-prestige-credit-card) Key Highlights of the Citi Prestige Credit Card 10,000 welcome air miles upon applying. Up to 2 reward points per Rs.100 spent. Complimentary night stays at participating hotels. Features and Benefits of the Citi Prestige Credit Card Welcome Gift and Annual Bonus Reward Points Airport Lounge Access Bottom line: Though the reward rate may look eye catching, this card is only for those who can play smart with Points & Miles with Airline and hotel loyalty programs. That being said, its on my wish-list for quite a time and i hope i’ll get them someday, when the need arises!
14 Oct 2022
Episode 4
One of the biggest issuers of credit cards in the world is American Express, usually referred to as "AmEx." It provides the general people with excellent credit cards.You can benefit from welcome incentives, travel advantages, rewards or cash back, and many other things with credit cards. For more information refer to: https://karannegii.wordpress.com/2022/09/02/how-to-get-american-express-card-in-india/ (https://karannegii.wordpress.com/2022/09/02/how-to-get-american-express-card-in-india/) Features and Benefits: Fuel Convenience Fee Waiver Your convenience fee will be waived off on making transactions of up to Rs. 25,000 and 0.3% of convenience fee will be charged on transactions above Rs. 25,000, only at HPCL fuel stations. Airport Lounges Enjoy 4 complimentary domestic airport lounge access per quarter with your American Express® Platinum Travel Credit Card. Eligibility Requirement Candidates who are salaried and self-employed must be older than 18 years old to avail an AmEx credit card. You must have a credit score of at least 750 and stable source of income.
13 Oct 2022
Myths About Credit Scores You Need To Know
When talking about credit score, there are many myths or misconceptions that keep the borrower’s judgement clouded. A credit score is an important number when you plan to apply for a credit card or a new loan. Many times, your credit score is also fetched by insurance companies to decide your premium amount and/or coverage. For More Information refer to: https://cardinsider.wixsite.com/cardinsider/post/myths-about-credit-scores-you-need-to-know (https://cardinsider.wixsite.com/cardinsider/post/myths-about-credit-scores-you-need-to-know) 1. Checking credit score lowers it It's the most common myth. In fact, regularly monitoring your credit score helps you track the progress and take actions to increase the score when needed. Checking your credit score is considered a soft inquiry and does not hurt your credit score. 2. A good credit score means you are rich false. As mentioned above, the credit score has nothing to do with your income. A credit score is used only to measure your credit risk. Your income may be low but if you have consistently paid your bills on time and have a good credit mix, you are considered a good credit risk. 3. Debit cards can help build a credit score Purchasing anything via debit cards is just like paying in cash. You are not borrowing from a lender but only using the money that’s already in your bank account. This does not impact your credit score in any way.
12 Oct 2022
Why Are Credit Cards Known As The Best Financial Tools?
Many of us use credit cards irresponsibly and end up in debt. However, contrary to popular belief, if you can use the plastic responsibly, you're actually much better off paying with a credit card than with a debit card and keeping cash transactions to a minimum. For more information refer to: https://karannegii.wordpress.com/2022/10/11/why-credit-cards-are-known-as-the-best-financial-tools/ (https://karannegii.wordpress.com/2022/10/11/why-credit-cards-are-known-as-the-best-financial-tools/) Following we have given some of the reasons why credit cards are considered as best Financial Tools: Cash Back When you make purchases on cash back credit cards, you earn a small amount of money back, which can then go against your bill, reducing how much you owe.The value of cash rewards ranges depending on the card and typically can be anywhere from 1% to 6% of your purchase total. Rewards Points Credit cards are set up to allow cardholders to earn one or more points per dollar in spending. Many reward credit cards provide bonus points for certain categories of spending like restaurants, groceries or gasoline. They Protect Against Fraud One of credit cards’ biggest advantages over debit cards is the level of fraud protection they offer.Say your credit card is stolen or someone finds your card information online. Even if the thief starts making purchases on your card right away, you won’t lose much money since charges to credit cards aren’t withdrawn immediately.
11 Oct 2022
How To Redeem SBI Credit Card Reward Points?
Every time you swipe your card for a transaction or expenditure, SBI credit cards offer reward points. You may maximise your savings by using these reward points to access perks in a variety of areas, like travel, lifestyle, retail, etc. Your SBI Credit Card rewards points can be used to purchase items from a variety of product categories, including accessories, apparel, electronics, entertainment, dining, and home appliances. While you may use any SBI credit card to earn rewards points, each card has a separate rewards programme that may vary in terms of the value of rewards or the redemption possibilities available, such as hotel or airline reservations, gift cards, etc. For more information refer to: https://www.articledaisy.com/how-to-redeem-sbi-credit-card-reward-points/ (https://www.articledaisy.com/how-to-redeem-sbi-credit-card-reward-points/) Redeem your Rewards points through the website by following mentioned steps: Open the Official Website page Select Rewards, then Redeem Rewards Select the items from Reward Catalogue At last click on Redeem Now Redeem your Rewards points through the application by following mentioned steps: Install SBI Mobile App through the play store Go to Rewards and then Redeem Rewards Select the appealing reward redemption offer after browsing through the list Select Redeem Now
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