the view of luxury 💫✨🤝🏻

Aaj kal luxury kisko nhi chahiye lekin kuch log afford kar pate hai aur kuch nhi esliye Aaj maai aapko 

Credit card ♠️💳 ki power ke bhare maai batane ja raha hu jiss saai aapke dreams bhi fill ups hoge aur paise bhi kum jayege 🤩🤩

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A credit card is a payment card issued by a financial institution, allowing users to borrow funds to make purchases or withdraw cash. It enables consumers to pay for goods and services based on the promise to pay back the borrowed amount, typically with interest, at a later date.

क्रेडिट कार्ड एक वित्तीय संस्थान द्वारा जारी किया गया भुगतान कार्ड है, जो उपयोगकर्ताओं को खरीदारी करने या नकद निकालने के लिए धन उधार लेने की अनुमति देता है। यह उपभोक्ताओं को उधार ली गई राशि को बाद में, आमतौर पर ब्याज सहित, वापस चुकाने के वादे के आधार पर वस्तुओं और सेवाओं के लिए भुगतान करने में सक्षम बनाता है।

Credit cards offer several benefits:

1. **Convenience**: They allow for easy and immediate purchases online and in-store without carrying cash.

   

2. **Security**: Many credit cards come with fraud protection, reducing your liability for unauthorized transactions.

3. **Build Credit**: Responsible use of a credit card can help establish and improve your credit score, which is important for future borrowing (like mortgages) and sometimes even for renting apartments.

4. **Rewards**: Many credit cards offer rewards programs such as cashback, points, or airline miles for purchases made with the card.

5. **Emergency Funds**: Credit cards can serve as a backup in emergencies when you need quick access to funds.

6. **Consumer Protections**: Credit cards often provide additional protections such as extended warranties, purchase protection, and travel insurance when you use the card to make purchases or travel bookings.

However, it's important to use credit cards responsibly to avoid debt accumulation and high-interest charges.

क्रेडिट कार्ड कई लाभ प्रदान करते हैं:

1. **सुविधा**: वे नकदी ले जाए बिना ऑनलाइन और इन-स्टोर आसान और तत्काल खरीदारी की अनुमति देते हैं।

2. **सुरक्षा**: कई क्रेडिट कार्ड धोखाधड़ी सुरक्षा के साथ आते हैं, जो अनधिकृत लेनदेन के लिए आपकी देयता को कम करते हैं।

3. **क्रेडिट बनाएँ**: क्रेडिट कार्ड का ज़िम्मेदाराना उपयोग आपके क्रेडिट स्कोर को स्थापित करने और सुधारने में मदद कर सकता है, जो भविष्य में उधार लेने (जैसे बंधक) और कभी-कभी अपार्टमेंट किराए पर लेने के लिए भी महत्वपूर्ण है।

4. **पुरस्कार**: कई क्रेडिट कार्ड कार्ड से की गई खरीदारी के लिए कैशबैक, पॉइंट या एयरलाइन मील जैसे पुरस्कार कार्यक्रम प्रदान करते हैं।

5. **आपातकालीन निधि**: क्रेडिट कार्ड आपातकालीन स्थिति में बैकअप के रूप में काम कर सकते हैं जब आपको धन की त्वरित पहुँच की आवश्यकता होती है।

6. **उपभोक्ता सुरक्षा**: जब आप खरीदारी या यात्रा बुकिंग करने के लिए कार्ड का उपयोग करते हैं तो क्रेडिट कार्ड अक्सर अतिरिक्त सुरक्षा प्रदान करते हैं जैसे विस्तारित वारंटी, खरीद सुरक्षा और यात्रा बीमा।

हालांकि, ऋण संचय और उच्च ब्याज शुल्क से बचने के लिए क्रेडिट कार्ड का जिम्मेदारी से उपयोग करना महत्वपूर्ण है।

Top 10 credit card in India 🤯🤩🤑

1.Axis MyZone Credit Card - Entry level card

offering benefits across Shopping, Dining and Entertainment!

Benifits:- Get Complimentary SonyLiv Premium Annual Subscription of Rs 999

• Flat Rs 120 Off on Swiggy on minimum order of Rs 500 applicable twice a month (Max discount Upto Rs 240 per month)

Buy one ticket and get 100% Off on second ticket at Paytm Movies (Max Discount Rs 200 per month)

• All the Cashback that you earn using Axis My Zone Card, can be deducted from your credit card statement, just like real money

OTHER FEATURES OF THE CARD

Upto Rs 1000 Off on AJIO on minimum spends of Rs 2999 on select styles

4 Complimentary Lounge access on select domestic airports (1 per quarter)

4 EDGE REWARDS points per Rs 200 spent (Not Applicable on fuel, movie, Insurance, Wallet, Rent, Utilities, Education, Government Institutions and EMI transactions)

Dining delights offering Upto 15% Off at partner restaurants in India (Max Discount Rs 500)

1% Fuel Surcharge waiver at all petrol pumps across the country for spends between Rs 400 to Rs 4000

 Applying link:-  axis

2. ICICI Bank Credit Card - Elevate Every Purchase with ICICI Credit Cards!

Benifits:- • Lifetime FREE - Select Variants of ICICI Bank Credit Card are offered without any joining or Annual Fee

• Discount on Online Sales With ICICI Credit Card, you can avail great discount offers on Amazon/ Flipkart Sale

• Earn 2 Reward Points on every Rs 100 spent for all retail purchases except fuel

Get 1 Reward Point on every Rs 100 spent on utilities and insurance categories

OTHER AMAZING OFFERS

• You can use ICICI Bank Credit Card to avail discounts over many websites like MakeMy Trip, Sterling Resorts, Haier, McDonalds etc.

• You earn rewards on all spends that can be redeemed for exciting gifts, vouchers or free flight tickets

Employment status: Salaried or Self-Employed

Minimum Income: Rs 50,000 per month (Both Salaried and Self-Employed)

• Credit score: 750+

• You should be citizen of India or a Non-Resident Indian

DOCUMENTS NEEDED

• PAN Card

Aadhaar Card

Bank Statement

FEES AND LIST OF CHARGES

Joining Fees: Lifetime Free (Depending upon the card selected)

• Annual Fees: Lifetime Free (Depending upon the card selected)

Applying link:- ICICI

3.HDFC Shoppers Stop Credit Card

Benifits:- Complimentary First Citizen Silver Edge membership worth Rs 350

• Earn 3x Reward points on Shoppers Stop Private brands shopping - 2.4% back

Welcome voucher worth Rs 500 redeemable on shopping of Rs 3000 or more at Shoppers Stop stores on private label brands

Bonus 2000 Reward points on annual spends of 2L or more

Link your Rupay Credit card with UPI and avail ~Scan n Pay~

OTHER AMAZING OFFERS

• 2.4% back as Reward Points on Shoppers Stop

Private brands

0.8% back as Reward Points on other Shoppers Stop brands

0.8% back as Reward Points on all other spends like Groceries, shopping, etc

 

Applying link:- HDFC

4. SBI Cashback Credit Card Welcome to the World of Amazing Cashback

Benifits:- • 5% Cashback on Online spends and 1% Cashback on Offline Spends

Cashback is capped at Rs 5000 per month combined for both Online & Offline spends

Annual fee waiver on annual spends of Rs 2,00,000 or more

MORE FEATURES OF THE CARD

1% Fuel Surcharge waiver upto Rs 100/ statement cycle on transaction between Rs 500 to Rs 3000

• Add on Cards for your parents, spouse, children or siblings above the age of 18

Withdraw cash from over 1 million VISA across the globe

• Card Cashback will be auto-credited to your SBI Card account within two days of your next statement generation

Employment status: Salaried or Self-Employed

• Income: Rs 30,000 per month

Required Age: 21-60 years

• Credit Score - 650+

New to credit Only for Salaried

Credit Card holders are preferred

• No delay payments in last 12 months

Card Holders should be an Indian Citizens or a Non Resident Indian

DOCUMENTS NEEDED

• ID proof

Address proof

Income proof

PAN Card/Form 60

FEES AND LIST OF CHARGES

Joining Fees: Rs 999 + GST

Annual Fees: Nil for First year, Rs 999 + GST - Second year onwards

• Annual Fees will be waived on annual spends of Rs 2 Lacs

Applying link:- SBI

5.One of the best cashback credit cards in India

Benifits:- Get 10% accelerated cashback on all dining, food delivery and grocery spends (capped upto Rs 1,000 per billing cycle)

4 complimentary domestic lounge visits per year (1 per quarter)

1.5% unlimited cashback on all other spends

Annual fee waiver on annual spends of Rs 2,00,000 or more

OTHER AMAZING OFFERS

• Make transactions of minimum Rs 10,000 within first 30 days to get Amazon vouchers worth Rs 1000

5% discount on Amazon spendings of Rs 1,000 or above

• Exclusive monthly offers on Amazon, Amazon pay, Blinkit, Easydinner, Pharmeasy etc.

• Zero liability for lost cards

Emergency card replacement

ELIGIBILITY CRITERIA

Age group: 18-65 years

Employment status: Salaried or Self-Employed

• Rs 4,00,000 per annum (for salaried individuals)

You must reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune

DOCUMENTS NEEDED

• Address Proof

• ID proof

• Income proof

• PAN Card/Form 60

Applying link:- HSBC

6. Axis Airtel Credit Card - Seamless Connections, Superior Rewards Await!

Benifits:- • Get an Amazon eVoucher worth Rs 500 on your first transaction using your Airtel Axis credit card within 30 days of card issuance

• Earn 25% Cashback on Airtel Mobile, Broadband, DTH & WiFi bill Payments via Airtel Thanks app (Upto Rs 250 per month)

• Earn 10% Cashback on Swiggy, Zomato & BigBasket (Upto Rs 500 Per month)

• Earn 10% Cashback on Utility Bill Payments such as electricity, gas etc. via Airtel Thanks app (Upto Rs 250 per month)

• Get 1% Cashback on all other spends

Enjoy 4 Complimentary lounge visits within India (4 Lounge access in a year) on minimum spends of Rs 50,000 in previous 3 months

Get 1% fuel surcharge waiver on fuel purchases at all fuel stations across India

Enjoy Upto 15% Off at partner restaurants via EazyDiner

ELIGIBILITY CRITERIA

Employment Status: Salaried or Self-employed

• Income group: Starting from Rs 15,000 per month (Salaried), Starting from Rs 30,000 per month (self-employed)

Age group: 21-70 years

Available across major cities in India

DOCUMENTS NEEDED

PAN Card/Form 60

• ID Proof

Address proof

Bank Statement or Income proof

• Colour photographs

Applying link:- Axis Airtel

7. IndusInd Legend Credit Card - Experience the best of travel, dining and shopping!

Benifits:- • Lifetime Free Credit Card | No Joining or Annual Fees

• Earn 2 Reward Points on purchase of Rs 100 (1 Reward Point = Rs 0.75)

Buy 1 Get 1 Free on BookMyShow - 3 Free tickets every month

• Instant Discount on Swiggy, EazyDinner & more brands

8 Complimentary Lounge Access (International & Domestic)

Get Priority pass membership

• Lowest Forex Markup Charge in the market, 1.8%

• Earn 4,000 bonus Reward Points on spending Rs 6,00,000 or more within one year from the date of issue of your credit card

PARTNER DISCOUNTS

Upto Rs 400 Off on Orders Above Rs 2000 on Ajio

• Rs 100 Off on purchase of Food & Beverage on Orders Above Rs 350 on PVR

Additional 15% Off on Lifestyle on Orders Above Rs 1999

• Get Upto Rs 1000 Off on Flight & Hotel bookings on EaseMy Trip

• Get 15% discount (upto Rs 500) on Orders Above Rs 1500 on EazyDiner

ELIGIBILITY CRITERIA

• Income group: Rs 80,000 for Salaried and Rs 1,00,000 for Self-Employed

Age group: 21-65 years

• Credit Score: 650+

No Delayed Payments in the last 12 months

Existing Home or Auto Loan

Existing active credit card with a limit of more than Rs 50,000 of any bank

DOCUMENTS NEEDED

No physicals documents required

Keep your Aadhaar and PAN number handy

Applying link:- indusland

8. Axis Flipkart Credit Card - Enjoy accelerated cashback across all your favourite categories!

Benifits:- • Share this Deal & Your Friends can get Rs 500 Flipkart E-Gift Voucher as Welcome Benefit

4 complimentary domestic lounge visits + 1% Fuel Surcharge waiver & More

• You Earn Flat Rs 1050 Profit on Successful Card Send Out

ELIGIBILITY CRITERIA

Employment status: Salaried or Self-Employed

• Income: Rs 15,000 per month (Salaried), Rs 30,000 per month (self-employed)

Required Age: 21-70 years

WHY PROMOTE AXIS

Axis is the Third largest private sector bank in India offering entire spectrum of financial services for personal & corporate banking

Applying link:- filpkart

9. AU LIT Credit Card Customizable credit card based on your lifestyle and usage!

Benifits:-PARTNER DISCOUNTS

10% Instant Discount (Upto Rs 1,000 per month) on Amazon Orders Above Rs 5,000

10% Instant Discount (Upto Rs 1,500 per month) on Flipkart Orders Above Rs 10,000

Additional 10% Off (Upto Rs 1000) on a minimum purchase of Rs 3999 on selected styles on Myntra

15% instant discount (Upto Rs 300 per month) on Tata CLiQ Orders Above Rs 500

10% off on Groceries (Upto Rs 100) on Blinkit app orders above Rs 499

ELIGIBILITY CRITERIA

Employment status: Salaried or Self-Employed

• Income: Rs 25,000 per month (Salaried, Self-employed)

Required Age: 21-60 years

Customers need to have an Existing card (6 months old) with a minimum limit of Rs 30,000

No Delayed Payments in the last 12 months

Required Credit Score: 700+

DOCUMENTS NEEDED

• Valid PAN Card

Aadhar Card should be linked to Mobile (For EKYC)

Address proof

• Income Proof (if opted for Income surrogate)

Applying link:- AU

Personally used:-10. IDFC FIRST Credit Card 300+ Merchant offers & dining discounts all year long!

Benifits:- • Lifetime Free Credit Card

Rs 500 worth of gift voucher from IDFC Bank

• Personal Accidental Cover Of Upto Rs 10,00,000

Upto 10X Rewards on Online Transactions

Upto 20% off on movie tickets every month

5% Cashback on First EMI Payment

Applying link:- IDFC

Enjoy your life with fullfill dreams 😘 😍🤩🥳

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