Akhil's Blog

Most people believe that credit cards are only used to enjoy credit limits. But, you should be aware that the majority of people prefer to use a credit card to take advantage of interesting offers and deals. So, if you want to get the best credit card deals, you should look into the Axis Bank Ace Credit Card . This credit card offers unlimited Cashback on Zomato, Swiggy, and Ola. There are some other exciting offers on this credit card that you should look into before applying for it. This credit card also allows you to make EMI transactions, so you should look into its key features and benefits. Benefits and features of Axis Bank ACE Credit Card You should be aware that this card will enable you to save a significant amount of money on your monthly expenses. It will reduce your expenses, and you can use this credit card to purchase a variety of products. You can use all of the credit card offers in your daily transactions. Unlimited cashback ●       ...

If you fall victim to fraud, you might make unauthorized purchases that run up large bills. And if your credit card history rises sharply. Fortunately, you can take immediate action to stop fraud and spot any potential card abuse in the making. Keep an eye on your account and be proactive to protect your credit card information from fault. What causes credit card fraud When someone uses your information to make purchases without your permission, it is called credit card fraud. Here are some methods fraudsters use to obtain your data: ●        Credit cards that have been misplaced or stolen ●        Skimming your credit card, perhaps at a petrol pump ●        Hacking Computer ●        Calling for fake prizes or wire transfers ●        Attempts at phishing, including using phony emails ●       ...

The method of payment you choose when shopping online matters more than you might realize. Usually, consumers give more consideration to what they purchase than to the method of payment. But it’s important to take into account whether you pay with a debit or credit card. That’s because online shopping credit cards offer several benefits that make them a much better option when making online purchases. You should feel confident using a credit card for your online purchases for the following reasons: Easily manage your large purchases with EMIs: It is now simpler to purchase a variety of furniture items, gadgets, and luxury items online without any trouble, thanks to the development of online platforms. It was simpler to pay with a check or get cash from an ATM nearby when making purchases in physical stores but with online shopping, that's not the case. However, mostly all online retailers provide free EMIs to assist you in breaking up your large purchases into smaller payment...

  One of the top non-co-branded generic travel credit cards currently offered in India is the PremierMiles Credit Card from Citibank. The card is available in the sub-premium segment and has an annual membership fee of Rs. 3,000. (plus GST). Reward Points are earned on the Citibank PremierMiles Credit Card because it is a travel credit card. In addition to earning Miles, the card also comes with several extra perks, including complimentary access to domestic and international airport lounges, free insurance coverage, dining benefits, and more. Features of Citibank PrimerMiles Card You'll receive 10,000 welcome miles. You'll get 3,000 bonus miles when you renew your card.  Earn PremierMiles for every penny you spend. Earn 4 miles for each Rs. 100 spent on all other purchases. Earn 10 miles for each Rs. 100 you spend on airline tickets. Enjoy the advantages of up to Rs. 1 crore in health insurance for air accidents. The miles collected with the Citi PremierMiles Card have no ti...

You're out and about, maybe grabbing a bite to eat or shopping for a new outfit. All of the sudden, you remember that you need to check your credit card balance ! But you don't have your laptop or your desktop with you. What do you do? Don't worry, we've got you covered. There are a few ways you can check your credit card balance without having to lug around your computer. Understanding Credit Card Balances When you first receive your credit card, it's important to understand how the balance works. Your credit card balance is the total amount of money you owe on your card. This figure is additionally known as your "credit limit." If you go over your credit limit, you'll be charged a fee. You can avoid this by keeping track of your balance and making sure you don't spend more than you can afford. Fortunately, checking your credit card balance is easy. In just a few minutes, you can see how much money you have left to spend. Why You Need t...

International travel is always thrilling. But if you don’t use the correct credit cards for your foreign transactions, it may get extremely pricey. The majority of credit cards charge a unique form of transaction which is a Foreign Currency Markup Fee, which varies between 3.5% + GST and represents about 4% of the real spend value. In India, SBI is the largest commercial bank that provides a wide range of credit cards to fit various consumers. Here are some of the best SBI credit cards which have low markup fees, and also provide users reward points for each purchase. Features and Benefits of the Top SBI credit cards for International Usage. 1.     Air India SBI Signature Card If you frequently fly with Air India then this SBI Credit card is the best option for you. The card comes with a welcome bonus of 5000 Reward Points that can be easily exchanged into Air India miles at the rate of 1 reward point = 1 Air India Miles. Card also offers complimentary membership t...

Your credit card balance includes more than the money you owe to the company that issued your card. Your credit score and ability to get a loan or new credit card are affected by the balances on your credit cards. As your credit score gets changed along with the credit card amount, then it is reported to the credit card agencies. Basics of Credit Score Your credit score functions as a grade that measures your creditworthiness at a given period. There are several methods you may get your credit score, most of which are cost-free. Your credit history, which includes any loan, credit card, and other financial accounts shown on your credit report, is determined by your credit score. Each factor is given several weightings which are used to calculate your credit score . These significant criteria affect your credit score, and their importance is indicated as a percentage. ●        The proportion of payment history is 35%, ●     ...