Best credit card to earn kris flyer miles in India

KrisFlyer is a frequent flyer program by Singapore airlines. Singapore Airlines has tied up with various card issuers so that the Reward Points earned on partner card issuer’s credit cards can be converted into KrisFlyer Miles. KrisFlyer Miles can be redeemed on Singapore Airlines’ own services and partner airlines which include all Star Alliance members, Virgin Australia, Virgin Atlantic, and a number of hotel chains and car-hire companies.

Singapore Airlines’ partner card issuers in India include HDFC Bank, Citi Bank, American Express and HSBC Bank. 

To know more about best credit cards for earning kris flyer miles, visit: 

https://issuu.com/kartik745/docs/best_credit_cards_to_earn_krisflyer_miles_in_india

In this article, we’ve covered those credit cards by these card issuers that offer some of the highest reward rates on conversion of Reward Points into KrisFlyer Miles.

1. HDFC Bank INFINIA Credit Card Metal Edition

Infinia Credit Card earns you 5 Reward Points for every Rs. 150 spent which can be converted into AirMiles via net banking on one of partner airlines’ loyalty programs. Since Singapore Airlines is one of HDFC’s partners, you can convert the Reward Points earned on your HDFC Infinia Credit Card into KrisFlyer Miles. 100 Reward Points = 100 KrisFlyer Miles (1:1 conversion ratio), making the effective reward rate of HDFC Infinia Credit Card 3.3% (if Reward Points are redeemed against Air Miles).

2. HDFC Bank Diners Club Black Credit Card

The Diners Club Black Credit Card by HDFC Bank is the second most premium offering by the bank after the Infinia Card. Unlike Infinia, although Diners Club Black Card is not invite-only, it does, however, come with quite strict eligibility criteria (minimum gross monthly income of Rs. 1.75 lakh) and a membership fee of Rs. 10,000 per annum.

The reward rate of both Infinia and Diners Club Black Credit Cards is the same (5 Reward Points per Rs. 100 spent). The Reward Points earned can be converted into KrisFlyers Miles via net banking. 100 RP = 100 KrisFlyer Miles (conversion ratio 1:1). Thus the effective reward rate of Diners Club Black Credit Card also becomes 3.33% (same as Infinia).

Best health and wellness Credit cards

The COVID-19 pandemic has proved yet again that emergencies can occur at any time. Thus, having a health and wellness credit card can help you be prepared for such emergencies. Credit cards not only help with your finances but also offer additional benefits that can help you stay healthy during the pandemic and after. 

To know more about Health and wellness credit cards, visit https://issuu.com/kartik745/docs/best_health_and_wellness_credit_cards_in_india_3_

Due to this, various banks and credit card companies have joined forces with various brands to offer co-branded health and wellness credit cards. Partnering up with companies such as Practo and Apollo, these credit cards come with a wide range of benefits for cardholders such as discounts on annual doctor checkups, complimentary fitness sessions, free video consultations with doctors, and more.

Top Health and Wellness Credit Cards in India

Yes Bank Wellness Credit Card offers 6 free fitness sessions, a Complimentary annual health check-ups, 20 reward points for every Rs 200 spent at pharmaceutical stores or chemists, and 4 reward points for every Rs 200 spent on other category expenses.

Yes Bank Wellness Plus Credit Card offers Complimentary annual health check-ups, Complimentary annual dental and eye check-ups, Unlimited consultations with general practitioners, and nutritionists, 12 free fitness sessions, Upto 30 reward points for every Rs.200 spent at chemist or pharmaceutical stores, Domestic lounge access, On death due to a flight accident, get a life insurance cover up to Rs.1 crore.

Apollo SBI card offers Complimentary OneApollo Gold Tier membership, 3X accelerated rewards for every Rs.100 that you spend on Apollo services, Fuel surcharge waiver.

Best Business credit cards in India

A business credit card is a card specifically designed for business expenses rather than for an individual’s personal use. Business credit cards help businesses and corporates in streamlining their expenses and avail several business-specific benefits. A number of banks are offering business credit cards with multiple advantages.

To get more information regarding India’s best business credit cards, click here: https://www.edocr.com/v/k3o0qmrk/Cardinsider/top-best-business-credit-cards-in-india

Here we have listed some of the credit cards for business units that would help you choose the ideal card as per your requirement:

• SBI Platinum Corporate Credit Card
• HDFC Business MoneyBack Credit Card
• Axis My Business Credit Card
• Citibank Corporate Credit Card
• Kotak Corporate Credit Card
• Standard Chartered Business Gold Credit Card

Having a business card is always a plus point for your business as it helps in building a good credit history, It gives you access to credit and Access to other financial products and services. The most common people ask is it’s hard to get a business credit card? But the reality is that you generally cannot get an unsecured business credit card without personal credit. Most issuers would require good or excellent credit. But if you’re starting with no credit, you might have to start with a personal card, build your score and then apply for a business credit card.

Taj InnerCircle refers to the loyalty programme offered by The Indian Hotels Company Limited. IHCL owns and operates various hotels in India and overseas. The program covers more than 80 hotels in India and more than 15 hotels worldwide. The program is available in four tiers – Copper, Silver, Gold and Platinum.

To know more about T I C program and related credit cards, visit https://ello.co/cardinsider/post/_tsr_zwi0jm27z5j5ndluq  

The following credit cards come with Taj Inner Circle membership:

• ICICI Bank Diamant Credit Card – Includes Taj InnerCircle (Gold) and Taj Epicure Plus

• Citi Prestige Credit Card – Epicure Plan and Inner Circle Silver

• Yes First Exclusive Credit Card – Taj InnerCircle Epicure Membership

• American Express Platinum Corporate Credit Card – Taj InnerCircle Silver Membership

• Following are some perks of the T I C :

Discount on Dining and Spa

• 25% value back as points on dining and spa
• 
  
• Valid across participating restaurants, bars and spas
• 
  
• Happy hours from 6 pm-8 pm at participating bars (up to a group size of 10 people)

Vouchers

• 
  
• 2 room upgrade vouchers
• 
  
• 50% back of the bill amount in the form of points on your first 3 dining transactions

Complimentary Night

•  Complimentary night stay 

Taj InnerCircle Silver Tier

•  Directly get Silver Tier status

The financial value and capability vary from one individual to another, depending on whether one would stay at Taj during the year and how much one would like to spend on dining, bars, spas etc. Also, there are many high-value qualitative perks associated with the membership including room upgrades, late checkout, early check-in and more. More importantly, you must consider how you would use these premium benefits before opting for it.

Typically, leaving your credit card accounts open is the best option, even if you’re not using them. However, there are a few valid reasons for deciding to close an account.

Read on to learn what they are—and to get details on how to cancel a card the right way.

Learn more about this topic at creditcardmentor.blogspot.com/2022/08/Do…Score.html

Closing a credit card account is sometimes necessary, despite advice against doing so. A credit card can be canceled without harming your credit score⁠; just remember that paying down credit card balances first is key. Closing a charge card won't affect your credit history

If your card issuer charges you a high annual fee for an account you don’t use, cancellation might be warranted. However, if you receive benefits from the account that outweigh the annual fee, such as travel credits and perks, it might be worth the cost.

Your credit score might be hurt if closing the card changes your credit utilization ratio. Credit utilization measures how much of your total available credit is being used, based on your credit reports. The more available credit you use the worse the impact will be on your score. Aim for a ratio of around 30%.

Do you get stuck in paying interest on credit card transactions? if so, the interest-free period could be your new best friend. as a credit card user, you may know that there is an interest-free period on your card. it might not be offered by all the banks, but most of them provide a grace period of 45-50 days. this grace period can be used wisely to avoid paying interest, and other credit card charges.  

Click on the link to know more: https://www.klusster.com/portfolios/karan-negi/contents/336747

Credit and debit cards come in plenty colours and each has a special feature attached to it. Right from the basic cards to the premium cards that charge a hefty annual fee. 

Credit and debit cards come in plenty colours and each has a special feature attached to it. Right from the basic cards to the premium cards that charge a hefty annual fee. However, there is a new symbol that can be found on credit and debit cards these days which looks like the symbol that denotes WiFi, just in the horizontal position. 

Click on the link to know more about the What Do All the Symbols / Numbers On Your Credit Card Mean :- https://anynote.co/post/40325_in-this-post-you-will-get-information-about-what-do-all-the-symbols-numbers-on-y.html

As a user of credit cards or other banking products, your ability to issue a chargeback is one of the most important tools you have to resolve billing disputes and undo fraud. But the term may be foreign to you if you've never had to do it.

Here's what you need to know. Click on the link to know more about credit card chargeback: https://anynote.co/post/40894_in-this-post-you-will-know-about-credit-card-chargeback-in-a-simple-way-chargeba.html

What Is a Chargeback?

A chargeback is an action taken by a bank to reverse electronic payments. It involves reversing a payment and triggering a dispute resolution process. Generally, chargebacks occur between a merchant and a credit card issuing bank or a consumer. However chargebacks are sometimes issued against consumers, for example in the case of an erroneous ATM deposit. Usually chargebacks are used to reverse a payment in the case of a billing error, unauthorized credit card use or failure to deliver a product or service.