How to start your credit journey? Key tips for first-time credit builders
The words “credit” or “debt” can feel quite daunting, especially when you’re just starting on your financial journey. For a long time, young individuals were often advised to avoid borrowing or seeking credit in the early stages of building their financial independence. The belief was that credit was risky, something to be avoided unless necessary. […]
American Express credit card reward points: How to use them for free hotel stays?
The summer season is here. Many of you may be planning to head to the hill stations for a family vacation to escape the scorching heat. What if you could enjoy a free hotel stay with your credit card reward points? Some banks have partnered with frequent flyer programs (FFPs) of airlines and hotel loyalty […]
How to link your credit card to Google Pay: A step-by-step guide
Google Pay has completely transformed the digital payment landscape in India. Typically, Google Pay is linked only to debit cards, but if you have a Rupay card, you can make UPI payment through credit card as well. With the advancement in technology resulting in this seamless integration, credit card users can now link their credit […]
How to pay your bills with credit card reward points? A complete guide
Credit card spends earn you a good number of reward points, especially if it is in low-risk consumption categories such as grocery, utility bills, apparel, restaurant, supermarkets, telecom and entertainment. But can you use the reward points to make direct payments at merchant outlets and e-commerce platforms? Several leading card issuing banks have their own […]
HDFC Bank Credit Card Rewards: How to use points for complimentary hotel stays
Banks like HDFC Bank, Axis Bank, American Express, HSBC, etc., give credit cardholders the option to transfer reward points to loyalty programs of various airlines and hotels. The loyalty points can then be used to book free flights or hotel accommodations with the respective airline or hotel group. In this article, we will understand how […]
Different types of credit scores: What they mean and how to read them
To navigate the world of credit cards and loans in India it is important to understand your credit score. It is a three digit number that represents your creditworthiness, thus influencing loan eligibility and interest rates. Still, with multiple credit bureaus and scoring models this can be confusing. Types of credit scores In India, several […]
How to redeem your credit card points? 3 ways you need to know
The first best on using a credit card is earning reward points for tedious transactions. However, points alone wouldn’t bring value until you effectively learn how you can use them. This guide will cover everything about redeeming credit card points. Understanding credit card rewards points Credit card issuers provide reward points as a way to […]
How to pay your HDFC credit card bill? 9 key methods explained
Paying your credit card bills on time is extremely important to keep a healthy credit score and get better deals on your future borrowings. HDFC bank offers a wide range of credit cards which are a popular choice amongst people as these cards provide exclusive offers on travel, shopping, entertainment and even daily transactions. You […]
How to block credit cards permanently? Here are 5 effective methods
You may have to permanently block your credit card for several reasons, such as suspected fraud, identity theft, or just to stop overspending. Here we will describe various credit card blocking techniques, their ramifications, and how to select the one that best suits your requirements. What are credit cards? The bank or financial institution issues […]
Instant Personal Loan: How to get approved without documents? A complete guide
Even with personal money, convenience is the order of the day in today’s fast-paced world. Traditional personal loans are characterized by lengthy processes and reams of paperwork, which leads to frustration and delays. Introducing fast personal loans without documentation, a revolutionary way of quickly and efficiently accessing finance. What are instant personal loans? Instant personal […]