In India a credit score is an extremely important indicator of an individualās financial health. It influences personal loan approvals, interest rates, credit card eligibility, future loan approvals, applicable interest rates and tenure period. As of May 2025, a credit score below 650 is generally considered poor. It has the potential to limit access to…
In today’s financial world, having a good credit score is important for loan opportunities, high-interest rates, and reaching financial goals. It is important to note that when used responsibly, credit cards can be very effective to help you build and better your credit. This is a long and detailed example of how to use credit…
Government employees in India seeking a credit card that provides for cashback, UPI integration and fee waiver opportunities can consider the IndusInd Bank āSammanā RuPay Credit Card. This particular credit card is designed specifically for public sector employees, it combines both traditional credit card benefits along with cutting edge technology facilitating modern digital payment features….
Do you travel frequently on trains? Then, co-branded credit cards offered by IRCTC (Indian Railway Catering and Tourism Corporation) in association with banks will be an ideal choice for booking tickets. IRCTC has joined hands with HDFC Bank, State Bank of India, Bank of Baroda and RBL Bank for co-branded cards, which offer a host…
The Karnataka Bank provides for a credit card in collaboration with SBI Cards. The card is known as the Karnataka Bank SBI Card PRIME. This is a premium credit card developed for aspirational credit card users who are seeking a blend of rewards and lifestyle benefits. This card provides advantages such as reward points on…
With how important a good credit score is for loans, favourable interest rates, and even your job prospects, having a high credit score is becoming more and more essential in today’s borrowing climate. If you have short or bad credit histories, secured credit cards represent a viable way of establishing creditworthiness. Understanding secured credit cards…
Axis Bankās ACE Credit Card has garnered immense attention for its lucrative cashback offerings and other additional benefits. That is why for all aspirational credit card applicants understanding the online process of application along with the associated terms and conditions is extremely important. Here are several important aspects on how you can apply for this…
In India, boosting your credit profile or enhancing your credit score during periods of unemployment is quite challenging but it is still achievable. A strong credit score is crucial for future financial opportunities, including but not limited to securing flexible personal loans and premium credit cards. Smart ways to improve your credit score during unemployment…
If you are a credit card user in India, withdrawing cash using a credit card, also known as cash advance can be a costly exercise. Given such a transaction provides immediate liquidity, still it comes with several serious consequences such as significant fees and interest charges that all current and aspirational credit card users must…
Non-resident Indians (NRIs) may be living abroad but a vast majority of them continue to have financial obligations in India. An NRI credit card will be a useful tool for them to manage their expenses in India. A credit card issued in India will also help NRIs make payments during their travels to their home…
