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Online bill paying allows you to view, schedule, and pay your bills right from your computer or phone. Learn more about what online bill pay is, how it works, and its pros and cons.
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What is online bill pay?
Financial institutions and bill-pay services partner to offer this service to allow you to pay your bills without writing checks. Most online bill pay options are linked to a checking account and offer three payment types:
Immediate one-time payments
Future one-time payments
Recurring payments
Many financial institutions offer online bill pay as a part of their online services. However, some may charge an additional fee to use the service.
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Benefits
One advantage of online bill pay is that it automates your payments. Bills that are the same amount each month, like your mortgage, rent, or car payment, can be scheduled as a recurring payment.
Scheduling payments in advance can help you avoid late or missed payments, even for bill amounts that vary from month to month.
In addition, online bill pay can help you consolidate your payments into one place. You can log in to your online banking portal and pay all of your bills instead of having to visit separate websites for each of them.
If you own a Cashback Credit Card, then you will be eligible to earn cash rewards, every time you swipe your card, to purchase anything. Read further, to know what Credit Card cashback is, and how it works.
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One of the greatest benefits of using a credit card is that you get to avail yourself of offers across categories like travel, shopping, fuel, dining, entertainment, and more. You, get the flexibility to earn cash every time you shop for anything. Sounds profitable, right? Cashback on a Credit Card is the latest offer, which is gaining popularity on e-Commerce portals, digital wallets, and food delivery apps.
What is a Cashback Credit Card?
Typically, a cashback credit card gives you the opportunity to earn a certain amount from the amount you spend on shopping or purchasing anything. It can be either in the form of reward points or cash, that gets credited to your account. A majority of Credit Cards provide cashback offers on expenditures related to lifestyle, electronics, online bill pay, groceries, online food delivery, entertainment, etc.
For instance, if you are using an ICICI Bank Credit Card, you get to save on money through cashback offers on well-known and trusted brands like Samsung, LG, Wakefit, Blue Star, and many more.
Considering the consumer demands, the State Bank of India offers its customer a long range of Credit Cards to choose from. Below are the long-range of credit cards provided by the State Bank of India for each and every need and demand of its customers.
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How to apply for a State Bank of India Credit cards
you can easily apply for State Bank Of India Credit Cards through Dial bank.
You just have to follow the simple steps listed below. First, visit the Dial a bank website.
Fill out the application form.
Fill in all the necessary details like residential address, contact no., monthly income, etc.
Find your preferred State Bank Of India Credit Card.
Check if you are eligible or not. If you are eligible then you can complete your online application process.
Features and Benefits of Top SBI Bank Credit Cards
- Priority Pass membership is complimentary and gives you access to over 700 airport lounges.
- In India, you will get a 15% discount at high-end restaurants.
- On annual spending of up to Rs.6 lakh, you can earn up to 7,500 reward points.
- Per calendar year, you are entitled to eight free visits to a domestic lounge. Both overseas purchases are subject to a 2% foreign currency markup tax.
- Accidental mortality in the air, emergency hospitalization, and credit responsibility are all included for free.
A Credit Card has become a necessity for most of us now. The reason why a lot of us have started getting these cards is not because of our needs, but because of the various benefits, offers, and rewards offered by these cards. In the long run, you are not only saving money, but you are also getting more and more discounts on very common items. Whether it’s buying a plane ticket or a movie show ticket, Credit Cards can actually help save a lot of your hard-earned money.
Click on this link to know more about the top best 5 Sbi Credit cards.
SBI is one of the most trusted banks when it comes to Credit Cards and hence, many people tend to choose an SBI Credit Card, depending on their need.
Here is Five Best SBI Credit Cards Available in India:
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SimplySAVE Credit Card
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Yatra SBI Credit Card
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SBI Card ELITE
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SBI Card Prime
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Air India Signature SBI Card
A credit score is a three-digit number that reflects your creditworthiness and financial behavior and is based on your credit report, which can be compared to your financial report card. do you remember those childhood days when you anxiously awaited your scorecard at the end of each academic year?
two digits (unless you scored 100%) summed up your educational performance for one full year! now that school is over, there are no more mark sheets to bother about for most of us. however, there is another scorecard that impacts your life in several ways, without you even realizing it. The credit score is an oft-repeated term you must have heard innumerable times. but what really does a credit score mean is not something everybody understands.
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understanding your credit score simply put, your credit score is a three-digit number that reflects your creditworthiness and financial behavior and is based on your credit report, which can be compared to your financial report card. in India, a person’s credit score ranges between 300 and 900, and an individual with a higher credit score is considered to be more creditworthy and financially responsible.
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Issued by ICICI Bank in association with Amazon Pay India Pvt Ltd. and Visa, Amazon Pay ICICI Bank Credit card is a lifetime free credit card. Yes, it means there are no joining fees or renewal fees! It provides earnings for every purchase, both on and off the Amazon website. You would be getting rewards in the form of Amazon Pay balance under the Gift and Credits section on the Amazon website.
Earn 5% cash back on purchases made through the Amazon website (for Amazon Prime cardholders).
Earn 2% back on 100+ Amazon Pay partner merchants. Non-prime cardholders earn 3% back on purchases made through the Amazon website.
No joining fees or annual fees.
No limits on earnings.
No expiry date to your rewards and cashback.
Click on this link:- https://entrepreneursbreak.com/5-reasons-why-consumers-like-the-amazon-pay-icici-credit-card.html
What is special about Amazon Pay ICICI Bank credit card?
Amazon Pay ICICI Bank Credit Card is issued by ICICI Bank in association with Amazon and Visa. This is a lifetime free credit card with no joining and renewal fees.
This is a major benefit in itself. Not only this, purchases made by Amazon Pay ICICI Bank Credit Card lets you earn back—both on and off Amazon. in—in the form of Amazon Pay Balance, which can be redeemed across 16 crores + products on the Amazon website and across 100+ Amazon Pay partner merchants.
Amazon Pay ICICI Credit Cards.
Amazon Pay ICICI Bank Credit Card Highlights
Earn 5% back in the form of Amazon Pay balance on Amazon. in for Amazon Prime customers
Earn 3% back in the form of Amazon Pay balance on Amazon. in for non-prime customers
Earn 2% back in the form of Amazon Pay balance on 100+ Amazon Pay partner merchants by using this card on Amazon Pay
Earn 1% back in the form of Amazon Pay balance on other payments
Medium duration Funds are the conservative type of investment instruments, this type of mutual fund is the debt funds investment option offering the duration of three to four years. When compared with other debt funds, liquid funds, overnight funds, etc., these funds offer higher returns ranging from 7 to 9%. These funds invest in money markets and debt securities for a duration of 3 or 4 years to offer fruitful returns and the end of the tenure.
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When it comes to investment options, there are many ways to invest your money. Based on financial status, risk-bearing capacity, holding period, etc. an investor will choose the investment instruments. Medium Duration Mutual funds when compared with the holding period works as the same as Fixed deposit schemes but offer higher returns than FD.
What are the factors to be considered to invest in Medium Duration Funds?
Risks:
These funds come with 3 types of risks credit risk, interest rate risk, liquidity risk. So before investing in these debt funds, consult the fund manager and consider the objectives that you can handle then go for it.
Expense ratio:
It is the fee that is charged by the investment companies, whenever you go for investing your money look for a low expense ratio, lower the expense ratio higher will be your gains.
Taxation:
If the holding period is less than 36 months, then the short-term capital gain tax is applied. If more than 36 months long term capital tax gain applied say 20%. The dividends received are tax-free (Terms apply).
What are the advantages of Medium duration Funds?
Comparatively less volatile than equity funds Stable investment option Lower risks More chances to
gain stable returns. Offers liquidity (Terms Apply)
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Floater Funds offers different types of returns based on market performances and benchmark indices. These funds comprise debt securities, and they consist of the liability of issuing entities and they invest in corporate bonds, treasury bills, Certificate Deposits, and other debt tools. These funds return completely depending on the market rates if the interest rate rises the floater fund returns also increase and in counter any downfall in the interest rates then it will affect the returns like there will be the risk of lower returns.
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What are the Features of Floater Funds?
Portfolio:
The debt floater mutual funds investment portfolio invests in both private and government companies about 65% of the corpus.
Risks:
When we talk about risks these funds have limited risks, though it is linked to the market performances as they invest their corpus in debt securities that mitigate the risks substantially.
Tenure:
Short term plan is for 1 year and these types of funds are invested in government securities, for example, treasury bills, certificates of deposits. Long-term tenure plans are for more than 1 year and these are invested in corporate bonds, government bonds, etc.
Taxation:
Two types of tax are applicable if the holding period is less than 3 years then it is the short-term capital gain tax and if the holding period is more than 3 years then the long-term capital gain tax is applicable.
What are the advantages of Floater Debt Funds?
They offer higher returns. Lower risks Open-ended scheme Comfortable Holding period
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Having a credit card is of great benefit, however, you might just want to close one due to multiple reasons such as unnecessary spending, a spike in bills, or not using the same. so if you are an SBI credit cardholder and planning to close the same, you can do it through online and offline ways that are mentioned below:
ways to close SBI credit cards online:-you can close your SBI credit card online by sending an email to the official email ID of SBI through your net banking account.
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ways to close SBI credit cards offline:- call the customer care number for cancellation write a cancellation request to SBI visit the nearest SBI branch
factors you must consider before you close your SBI credit cardpay your dues redeem your reward points don’t use the credit card after cancellation request check the latest statement for fraud
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Sometimes days move at a breathtaking speed. Before you know it, the day’s done. The days when you do nothing are important. They reboot your mind. But unlike people, money shouldn’t sit idle. It needs to keep working. But how do you make your money more productive? Why can’t it just do nothing?
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Idle money loses value because it cannot keep up with inflation. And like every LinkedIn post will tell you, compound your savings, it will amount to more.
At CRED, we realized that some of our members have, on average, INR 2 lakh sitting in their savings account. So, we wanted to create a product for our members where they can invest this money for inflation-beating interest, managed in a transparent and trustworthy manner, and withdrawable as easily as they invested it.
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We realized that the ideal product to manage idle savings needs to consider the following:
Maximize returns while minimizing risks.
Provide an instant, frictionless experience for investors.
Offer liquidity in case of emergencies.
If you are a major foodie who enjoys going on several gastronomic adventures, then you must consider getting a credit card supporting this passion for culinary delights. from upfront discounts to attractive cashback offers, dining credit cards can make eating out (or even ordering in) even more exciting.
Click on this link to know more about the best credit cards in India for dining.
So before stepping into the next eatery on your bucket list, here are some stellar credit cards you must have in your wallet.
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HDFC Bank Regalia credit card,
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SBI Card Prime,
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Kotak Delight Platinum credit card,
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American Express Platinum Travel credit card,
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Citi Cashback credit card,
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Kotak Feast Gold credit card,
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Standard Chartered Ultimate credit card,
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Axis Bank My Zone credit card,
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HDFC Bank Diners Club Privilege credit card,
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ICICI Bank Rubyx credit card.
The ICICI Bank Emerald Credit Card is the premium category credit card. This credit card is a great opportunity for frequent travelers. this credit card offers great benefits on travel, lounge accesses, free golf lessons, etc. The cardholder should have a monthly salary minimum of 3 lakhs, so he/she should have a minimum salary of Rs 3 lakhs per month or should file an ITR of 3 lakhs per year (every year).
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ICICI Bank Emerald Credit Card Benefits and Features:
- Annual Fee Rs 12,000 gets waived off on spending Rs 15 lakhs annually.
- Get 1 payback point on every Rs 100 spent on retail, utility bill payments and insurance premium payments.
- Get insurance coverage up to 3 crores, such as air accidents.
- Also get insurance coverage on lost baggage’s, loss of travel documents, etc.
- Get unlimited Wi-Fi access globally at every airport and in flights with the American Express variant of the ICICI Emerald Credit card Get the dining vouchers worth Rs 7,500 at the Trident hotels.
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Recurring Deposit (RD) is one of the popular investment plans in India which offers flexibility in investment, tenure, and many other benefits. In RD accounts the depositor must deposit money at regular intervals, this account can be either opened at banks or post offices, as it is maintained by the government organizations it offers good security for the depositor.
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Key Points
- The mode of investment is monthly.
- Only banks and post offices offer this scheme
- The tenure range varies from 6 months to 10 years
- The minimum amount of investment in the RD account starts from Rs 100
- All Indian residents can invest in RD Schemes NRI's can also open RD via NRE accounts only in banks but not in Post-office.
- When the individual does not have a lump sum amount for investment, then Recurring Deposit is a great option.
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Where to open recurring deposit accounts?
- Banks or Post office
- The minimum amount of investment is Rs 100 in banks and Rs 10 in the post office
- Tenure minimum 6 months or Maximum 10 years
What are the documents required for the RD account?
- PAN/Aadhaar cards
- Residential Proof
- Identity proof
Arbitrage Mutual Funds are a hybrid fund that is equity-oriented, it is the scheme that offers grip over the markets. These schemes have pricing variations, the fund manager purchases the stocks at this variational pricing over two exchanges and earns profits over the selling price and buying price, respectively. Unlike the other funds where the fund manager sells the funds when the market is offering better pricing, in this scheme, the fund manager sells the funds only when there is scope e of earning definite returns.
And when it comes to inquiring about risks, the risk factor is like that of the debt funds. But the arbitrage fund is the best way of investment who wishes to invest in an equity fund or equity-related instruments but do not want any risks, for that kind of people these hybrid funds are a better opportunity to park their money to earn higher returns than the other debt funds.
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List of India's Top Arbitrage Funds: Mahindra Dhan Sanchay Yojana provides approximately 8.15% of returns. Nippon India Arbitrage Fund offers 6.29% for 3 years. Edelweiss Arbitrage Fund offers 6.22% returns for 3 years. BNP Paribas Arbitrage Fund offers 6.22% returns for 3 years. L&T Arbitrage Opportunities Fund gives about 6.08% returns for 3 years tenure. Factors effecting the Arbitrage Mutual Funds:
Risks:
In these schemes there is no guarantee of returns, though there is no equity exposure risk, the returns are low but if an investor holds for a period of 5 to 8 years then an investor could expect 8% returns.
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Balanced funds are hybrid funds that invest in both equity and debt instruments. As this investment scheme offers the diversified option of parking their money it offers higher and balanced returns. Though it is a diversified mutual fund to parks its major portfolio that is about 40 to 60% of its portfolio in the equity instruments, hence it is known as an equity-oriented fund with lower risks and better returns. An investor should remember that the prices of the equity funds depend on the NAV or the Net Asset Value of the fund.
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Benefits of Balanced Funds:
Tax Benefits
Less Risks
Option of diversification of investment portfolio
Security
Good returns
conclusion:
There are different types of hybrid funds, but balanced hybrid funds are unique in offering tax benefits, security, lesser risks with medium capital approach and the option of fund diversification makes it special among the other investment funds.
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Monetary Policy is the policy provided by the RBI and during the monetary policy committee meeting, RBI exposed that they left the repo rate unchanged at 4% since August 2020 and the committee maintains the accommodative stance. Apart from that the also the reverse repo rate remains unchanged at 3.35%.
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RBI Monetary Policy Highlights:
- Repo Rate - It is the rate where the bank borrows money from RBI.
- Reverse Repo Rate- It is the rate where RBI borrows money from banks.
- Marginal Standing Facility- It is the rate bank borrows funds from RBI, during the inter-bank liquidity interest rates, are volatile.
- Bank Rate - It is the rate where RBI lends money without any security to commercial banks.
- MPC Inflation - Rise in the vegetable price, fuel process, when it comes to the inflation RBI expects for January to March at 5.2%, from 2021 April to September 5.2 -5%, and for the remaining quarter of the next financial year 4.3%.
- Growth- As per MPC the sales, services, infrastructure, and other units are reviving also the COVID vaccination drive has also shown positive growth. Be it transportation, importing. exporting and other according to the economic survey the growth is in line.
- Online access to the Retail investors - RBI offers online access to the government security markets directly from the Reserve bank that is Retail Direct.
- 24x7 Help Line - RBI has created a 24/7 helpline for the customers to inquire about their queries, etc.
A credit card is likely threatening for the new users of the credit cards. New users get attracted to credit cards mainly for the allure of what looks like free money. Everyone knows that it's not in reality, but people get fascinated by the promotions and get tangled among the web of credit cards and their offers.
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The Temptations to Overspend
Research shows that buyers pay off more when they are spending through credit cards than while paying in cash. In many cases, it has been observed that consumers are willing to pay more via credit card than when they buy in cash.
How to avoid itNewer go beyond your credit card limit. To impress others, do not go for overspending to show off the lifestyle which you cannot afford. Set spending limits on your card personally. Cutoff unnecessary purchase, do not get into the seduction which looks like free money of your plastic card, remember you have to clear your spending (money) at last.
Let’s discuss the best ways to pay insurance premiums using credit cards and earn reward points/cashback on the same.
Over the next few months, we all will have a hefty insurance premium due on us. Typically, a household’s annual insurance premiums would easily be above 100k+. Given that we all have those dreaded LIC policies sold by our ‘insurance wale uncle’ where premiums run into tens of thousands. Plus, the actual term insurances and health insurances that we own. So why not pay these insurance premiums by credit cards and earn handsome reward points.
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conclusion
While you have to make the insurance premium payments every year, plan the same and put these on your credit cards. You can earn decent rewards on them. One way to think of it is, it enhances the RoI by a few percentages on those low-earning LIC policies that we all own.
Axis Bank Magnus Credit Card is one of the best featured with huge benefits like welcome, annual benefits, International and domestic airport lounge access, stays at a luxury hotel, health coverage, reward programs, etc. If you are looking for multiple benefit cards with convenience, then the Magnus Card produced by Axis is best suited to keep in your wallet.
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Benefits:
- Get welcome or Annual benefit voucher worth Rs 10,000/- (Tata CLiQ)
- Annual fee of Rs 10,000/- is waived off on spending Rs 1.5 lakh in proceeding years. (Annual fee + Taxes waived off).
- Lower Interest rates (2.5%) on extended credits
- On foreign exchange reduced mark-up fee is applied that is 2%
- Fuel surcharge waiver up to 1% on spending Rs 400/- to Rs 4000/-
- On cash withdrawal no fee is implemented
- Get 12X reward points on every Rs 200/- spent.
- On purchases at MakeMyTrip, Yatra, Goibibo, etc get 12X reward points.
- 24/7 customer assistance
Bottom Line:
The Axis Bank Magnus Credit Card comes with huge benefits and rewards. If you are a frequent traveler and shopper, then this card is the for you, as the Magnus credit card from Axis, offers 20% discount for dining at the partner hotels, and 12 priority passes at the international and domestic airport lounges, complimentary flight tickets, 12X reward points on airline ticket bookings and on every Rs 200/- spending. Also, the user holder can get 24/7 customer assistance.
Bank of Baroda Select Credit Card is a beginner-level or entry-level credit card, which offers great privileges on dining, utility bill payments, fuel purchases, online shop, and other transactions. On transactions, this credit card offers rewards every month. A most attractive feature of the credit card is that this card becomes free for those who spend Rs 70,000 per year, apart from that this credit card offers, the credit card holder free insurance coverage and zero liability on the lost card. This credit card is a good option for those who know how to make the best use of it. This article will help you decide whether to choose a credit card for you or not.
Features and Benefits of Bank of Baroda Select Credit Card:
Reward Program -
- On spending every Rs 100 get 1 reward point for sure.
- Get 5X reward points on online shopping, utility bill payments, dining, etc.
- On transactions above Rs 1000 with the credit card get up to 1000 bonus reward points.
- The reward points can be redeemed for 2 options that are with as cashback or gifts and vouchers.
Annual fee Waiver -
Annual Fee gets waived off just by spending Rs 7,500 per month or Rs 70,000 per annum.
Fuel Surcharge Waiver-
Fuel Surcharge waiver is applicable from a minimum transaction of Rs 400 to maximum Rs 5000.
Convert Purchases into EMIs:
On purchases above Rs, 2,500 offers the opportunity to convert Purchases into EMIs with the available repayment tenure of 6 or 12 months.
Insurance coverage -
Free insurance coverage is offered to the credit cardholder.
Fee and Charges of the Bank of Baroda Select Credit Card:
- First Year Joining fee - Rs 750.
- Annual Fee - Rs 750
- Domestic ATMs Cash Withdrawal Fee - 2.5% of the transaction amount
- International ATMs Cash Withdrawal Fee - 3.0 % of the transaction amount
- Finance Charges - 3.25% per month
- Cheque Return Charges - 2% of the cheque amount.
- Over limit Charges - 1%
- Card Replacement Charges - Rs 100
- Foreign currency transaction fee - 3.5% of the transaction amount
Bottom Line -The Bank of Baroda Select Credit Card is best for the entry-level categories. If the user can utilize the card properly, the card will be a free card as it offers great privileges and benefits on purchases and payments. If you want to earn rewards on every purchase, you make and want a credit card with a low annual fee with multiple benefits then the Bank of Baroda Select Credit Card is a great option for you.
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Money is the first thing that comes to everyone mind in traumatic situations upends. So how can one withstand a financial pitfall? Find some hacks that will help you bounce back after financial ruin.
Forget what happened and focus on how to stabilize your financial situation. Plan how and when you want to retire financially. It is not easy to make investment choices and avoiding all those mistakes that ruined your investments. By following below-mentioned points will help you recover quicker and will avoid past financial disasters.
Learn from Mistakes
Track all the mistakes you have done, in most cases, there will be a crisis that occurred without your fault. The financial crisis caused by sudden downfall by the stock market crash or real estate crisis, though it is not your fault, you may face the troubles. So, concentrate where you have done the mistakes, and avoid those. Also, some of the mistakes which are done by you, the credit card debts, and other debts. As now you know your past mistake, avoid those set new goals to withstand your present and future.
Set New Goals
Forget your past, focus on your present to secure your future. It may be hard for you to invest and save money, but it will help you recover from the financial crisis. Begin immediately and save the maximum you can save. Try to clear debts slowly at the same time invest as much you can simultaneously as a side hustle. It is not that easy but things will get better soon, but for that you have to stick on to your goals and have to move forward.
Keep Learning
Educate yourself, seek help whenever you are going to do a major financial investment decision. Whatever the decision you make that affects your financial situations seek guidance from the financial counselor, so you may not go into vain. Do not rush to take any decision that will harm you. Your past mistakes are the best lessons and reminders for you to take these into consideration and avoid such mistakes and move forward to stabilize your financial conditions.
Track your spending’s
Track how much money is coming in and how much is going out. Track every expense you do, either get a financial app to track or prepare an excel sheet and tack on your own. Now you know where your money is going, find out what is worth spending and when not to spend, and save your money to save you from the financial crisis.
Create a Realistic Budget
Create the budget that suits your income, cover all your essentials, and cut non-essential spending. While planning the budget, you may spot the non-essential spending like eating outside, cable, etc. Trim all those unnecessary spendings, it will add money to your account.
Add to Savings
Always, save a little percentage of your income and add it directly to your savings account. And do not touch it, many temptations will come to you, but do not touch it. Because these may affect your savings, rather than stabilize your savings.
Money is always surrounded by many temptations, that will ask you to spend. But do not forget you have got a future to survive, be realistic, and plan accordingly. If you fall into a financial crisis it is really very difficult to bounce back but do not lose hope and try your best to overcome the crisis. And avoid all those mistakes that will make you fall into a financial crisis.
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