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This time of year it can be challenging to stick to a budget with the extra spending for the holidays. Here are five strategies to help you stay on track with your 2022 holiday budget.
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Shop around
Keep an eye open for holiday specials and deals throughout the season. Plan to shop on “deal” days online or in?-person to get the best prices. Plus, look for digital or print coupons to your favorite retailers.
Compare prices
Many retailers will match a competitor’s price when you provide clear proof of a lower cost for the same item. Make sure you’re familiar with the time limits as there may be a short window of time during which stores are willing to match competitor pricing.
Make a donation
Making charitable donations in someone’s name not only helps you — and the receiver — feel good about supporting a worthwhile cause, but it also can help you save money.
You can deduct up to $300 in charitable contributions ($600 for couples) without itemizing on your federal income tax return. Often, when you make a donation, you may receive an item as a thank you, such as a t-shirt, that you could also give as a gift.
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Reuse gift bags
Gift wrapping can be expensive, so limit the amount of gift wrapping by reusing gift bags from previous years instead. These can be just as festive, save you money, and help the environment.
Use your rewards credit card
If you set aside funds to cover holiday costs, use your rewards credit card to purchase items, and then pay off the card balance. This way you reap the without adding to your debt. Cash back is the most flexible reward as it allows you to use the funds for whatever you would like.
Cashback cards can help simplify your finances, earn you funds for spending, and allow you to take advantage of extra perks that debit cards don’t offer.
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But cashback credit cards have both benefits and drawbacks. Depending on your spending habits, another type of card may offer better rewards for your situation or save you more money. Here are some pros and cons to cashback credit cards.
What are the benefits of a cashback credit card?
While cashback credit cards each have their own earning process, they all offer a straightforward, easy-to-use benefit: cashback for each dollar spent. Some offer rewards at a flat rate, such as 1% back on all purchases, while others provide higher cashback percentages on certain categories, such as gas or groceries.
Other benefits cash back credit cards may offer include ways to safeguard your purchases or save you money. Another benefit could include 0% APR (annual percentage rate or interest rate) on purchases or balance transfers for a limited time.
This would allow you to pay down a large purchase or existing debt without paying interest — as long as you pay it off within the timeframe of the offer.
Shaurya SBI Credit Card is designed specifically for the Armed Forces Personnel. This credit card comes to Nil joining fee and with an annual fee of Rs 250 apart from that the card is packed with reward points, complimentary insurance coverage, fuel surcharge waiver. Here we give you an honest review of the Shaurya SBI Credit Card.
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Shaurya SBI Credit Card Benefits and Features:
Insurance Benefits-
The cardholder will get accidental insurance coverage up to Rs 2 Lakh. The Service is offered by RuPay.
Reward Program -
Earn 1 reward point on every Rs 100 spent.
Earn 5X reward points on every Rs 100 spent on CSD, Dining, Departmental Stores, groceries and on movies.
Reward Redemption -
1 reward point = Rs 0.25
Reward points can be redeemed and can use to pay off card bills.
Reward Redemption from the reward catalog
One of the most popular financial institutions- the State Bank of India (SBI)is a government bank headquartered in Mumbai, Maharashtra. It has a number of products and services to offer.Best SBI Lifestyle Credit Cards. Best SBI Reward Credit Cards. Best SBI Shopping Credit Cards. Best SBI Travel & Fuel Credit Cards. Best SBI Business Credit Cards.
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How to Apply for SBI Credit Card?
There are two modes of application for an SBI credit card- Online Go to the company’s official website Choose the type of credit card you wish to apply based on your requirement after going through its features Click on the ‘Apply Online’ option An OTP (One Time Password) is sent to your registered mobile phone. Use this OTP to proceed Enter your personal details Select Apply, and proceed further Offline You can apply offline by simply visiting the nearest SBI bank and meeting the credit card representative.
The representative will help you complete the application and choose the appropriate card. Your eligibility is checked based on which you will receive your credit card.
Going off to college and looking for ways to manage your expenses? then student credit cards, forex cards, and travel cards are options you should definitely explore. these options will help you manage expenses and deal with money better. let’s take a look at some of the student credit cards, their eligibility criteria, and the documentation required to apply for them.
student credit card options available in India
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SBI Student Plus Advantage card
the SBI Student Plus Advantage card comes packed with an array of student-oriented benefits. although this card is issued only to those who have an educational loan with SBI, you can get your hands on this card by opening a fixed deposit at any branch of the state bank of India as well.
in addition, you can transfer the balance from another credit card to your SBI student credit card to get a lower interest rate on your EMI. this will allow you to save money while paying credit card dues. you can also book railway tickets, pay your utility bills, and enjoy 10x reward points on international transactions.
some of the important features of this card are:
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zero annual fee
2.5% value back on the purchases made in departmental or grocery stores
2.5% fuel surcharge waiver across all petrol pumps in India
1 reward point on every ₹100 spent from the card
Choosing a rewards credit card means picking a side in an ongoing debate: cash back or travel benefits?
Both have advantages. Cashback is flexible and easy to redeem. Points or miles dangle the possibility of a paid-for vacation and, sometimes, a higher reward value per dollar spent. Nowadays, some cards let you redeem rewards for cash or travel at the same value. But if you’re deciding between the two, it comes down to your lifestyle — and the effort you’re willing to put in.
“I look at it as ‘How hard do you have to work to get the rewards from your card?’” says Jim Miller, senior director of banking services at independent ratings firm J.D. Power. “If you don’t want to work at it, cashback is the easy decision. You get good rewards and you don’t really have to worry about it. If you go with a miles card, you have to pay more attention to it.”
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Cashback
With a cash-back card, rewards come in dollars, not points or miles. You can redeem rewards for a credit on your statement and may also be able to redeem for gift cards, a check, or a direct deposit to a bank account.
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Travel
Travel credit cards give you points, miles, or some other rewards currency. They come in two main flavors:
General travel cards. These are bank-branded cards with rewards that can cover a range of travel expenses. An example is the Capital One Venture Rewards Credit Card.
Co-branded cards. These are cards branded with an airline or hotel chain. They typically allow you to redeem rewards within one loyalty program.
Internet Banking or Online Banking or Web Banking System is one that allows individuals to perform banking anytime, anywhere via the internet. This service offers almost every service like the local banks. The service of internet banking was developed by the Financial institution named Stanford Federal Credit Union. This service allows any user to get connected with the browser to his/her respective bank's website to perform any kind of banking function virtually. In India, ICICI was the first bank to initiate internet banking during the year 1997 with the brand name “Infinity”.
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Internet Banking allows all the virtual banking functions just by connecting to the respective bank’s websites.Balance Inquiries Perform Transactions Online Payments of bills Any accrued interest, fees, and taxes Transactions details Account Balances Credit card balance Home loan details, etc.
Citi Bank Cashback Credit Card is one of the best credit cards from Citi Bank, that offers direct cashback rather than reward points, unlike other credit cards. This credit card offers cashback on both online and offline transactions. Here we represent your honest review of the Citi Bank Cashback Credit Card, also features and benefits of the credit card. The Cardholder can get cashback on utility bill payments, movie tickets, dining privileges. This review will help you utilize most of the cards and help you decide whether to go with the card or not.
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Charges and Fees of Citi Bank Cashback Credit Card:Annual fee - Rs 500/- Extended Credit Charge - up to 37.20% to 42.00% per annum Cheque/ECD/ACH Bounce Charge - Rs 500/- per returned instrument. Stolen/Damaged Card/ Reissue of lost card charge - Rs 100/- Advance Cash Charge - 2.5% of the amount
Benefits and Features of the Cashback Credit Card:Cashback offers- Get 5% cashback on movie tickets, telephone bill payments, other utility bill payments. Get 0.5% cashback on all other spendings. Save 5% on spending Rs 4000/-
Dining benefits-Get up to 15% discount at the partnered restaurants.
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Did you make an impulsive decision to get the best credit card and are now regretting it? maybe the financial freedom of shopping at your favorite merchandise store lured you into the mix. or maybe you were unable to gauge the emotional implications of carrying it around.
whatever the case, here is how the activation process usually boils down to:you receive a new credit card via mail. the documents instruct you to call a toll-free number or visit a website. post successful identification, you confirm that you have received the card. the card is subsequently activated and ready to be used. affect of credit card applications canceling a credit card before activation
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Alternative strategy
If your bank does not charge you any annual fees for the credit card, an alternative strategy to deal with an unwanted credit card is to actually activate the card and lock it away. in this way:you will have a higher unutilized credit limit. a significantly lower credit utilization ratio. higher average credit account age over time.
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An individual cannot predict their emergency expenditure, no matter how hard they try. a sudden health crisis, the need for car repair, damaged electronic appliances - all these crises need an urgent financial arrangement.
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for last-minute financial aid, consider getting a new credit card and tackle these unforeseen expenses. but while applying for a credit card is a piece of cake, it takes approximately ten business days after approval for the card to reach your doorstep.
In the case of emergency expenses, it may not be feasible for you to wait that long to get the money. luckily, instant credit cards come to your rescue.
These life-saving cards give you the card number instantly after the bank approves it. that way, you can use the card number to make your purchases even before you receive the physical copy of the card.
If you urgently need money or want to be prepared in such a dire situation, here is a list of the 6 best instant approval credit cards.
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HDFC Bank instant approval credit card
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Bajaj Finserv RBL Bank super card
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Kotak 811 #Dream Different credit card
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Standard Chartered virtual credit card
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SimplySAVE SBI credit card
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Axis Bank Insta Easy credit card
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Having a credit card is a great convenience today, and most of us have one that we use to shop and pay our bills. however, we are always restricted to the credit card limit, which prevents us from spending beyond a particular amount in a given month.
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How to increase your credit card limit
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apply for a new card,
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request an increase on an existing card,
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back your request with valid reasons,
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be polite,
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make your request reasonable,
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the balance transfer option,
Factors conducive to increasing credit card limit
now you know how to increase the credit card limit on your card. you should also be aware of some of the factors that can help you get your credit card limit increased. you can ensure a favorable response to your application with these pointers:
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be prompt in your payments,
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maintain a low credit utilization ratio,
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provide evidence of an income increase,
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reduce or eliminate some of your liabilities,
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check your credit score & work on improving it.
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IDFC BANK recently launched its premium banking services along with relevant premium products like debit cards.
But we didn’t notice any new premium credit cards under private banking – until now. Here’s what we know about the IDFC bank’s upcoming top-end credit card: IDFC's first private credit card.
The card looks neat and simple in the bank’s color (red) at first glance. Hope it’s good in the hand. Though, I personally like the Black IDFC first private DEBIT card design.
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- Bookmyshow has a new offer page for this product and here’s a quick look into the BookMyShow offer,
- Get up to INR 750 off on Movies and FnB and/or Non-movies transactions twice a month with IDFC First Bank Private Credit Card
- Maximum discount per transaction will be the actual value of the transaction or INR750 whichever is lower & Maximum number of discounted transactions in a month is 2
- Offer is valid on Movies, FnB, Events, Concerts, Plays, Sports, Activities.
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Wondering whether to go with the credit card or cash? Well, both have their own significance. A credit card offers great convenience and a bunch of benefits that cash does not provide. But behind these benefits and conveniences, credit cards also represent a fall in the cycle of debt that may last for years or decades.
So, how do decide or identify to choose a card or cash what is the best time to go with each of these for your coming purchases in the future, here are the life-saving tips that will help you choose accordingly?
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When to Use a Credit Card?
Whatever you can afford you can purchase with the card to use the convenience. As credit cards are more convenient and secure to carry than cash.
As long you use your credit card responsibly that pay all bills on time without falling into debt then a credit card is your best friend for purchases.
If you like to gain an additional warranty or purchase protection, then go for a credit card. If you wish to get stronger fraud liability limits credit cards are best. To gain rewards or cashback credit cards are a great source.
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When to use Cash?
If you cannot control temptations during purchase it's definitely good to go with the cash for purchase as it will help you spend in your budget and limit and save you from falling into debt.
Microloans are also known as short-term loans that provide smaller loan amounts to the self-employed, startups, micro-enterprises, small businesses, and individuals with low capital requirements. This small finance is offered to micro-entrepreneurs or low-income group families. This is one of the best finance lending opportunities for low-income group families who do not have access to financial or lending institutions.
The government of India in partnership with the private limited companies and Mico Finance Companies microlending has come into existence for the sake of lower bank or unbanked people.
Click here for more info about bank credit cards. Who can avail Micro Loans? Self-employed Sole Proprietorship Small Retailers Traders Manufacturers Startups Consultants Women Entrepreneurs Unemployed People Minimum wage workers Minorities, etc. What is the Purpose of Microloans?
Microloans are especially for the various business-related activities, like -Meeting working capital requirements To maintain cash flow To start a new business To pay salaries to the staff What are the Objectives of Microfinance? To support women entrepreneurship across the nation To support the socio-economic development for unbanked families To support the Self Help Groups
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Here is the review of Ola Money SBI credit card. The SBI Ola Money is a co-branded credit card, this the card that comes with no joining fee, No add - on fee, with low renewal fee that is Rs400/- and offers huge rewards and benefits with the Ola rides and cashback on flight tickets booking on the sites like Cleartrip.
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Benefits and Features of the Ola Money SBI credit card: Get 5% cash back on Airlines booking (with partnered sites) Get 20% cash back on dining and hotel booking. Nil Joining Fee On Spending Rs 1 lakh in a year the renewal fee is reversed In the first year get 15% cashback on Ola rides and 7% in second year 1% fuel surcharge waiver in all petrol stations in India
Conclusion:-
The SBI Ola Money Credit Card is suitable the Ola customers or for those who are looking for discounts or cashback on travel bookings or for firsfirst-timed holders. Also, for those looking for a card without a joining fee and with a minimum renewal fee then this card is best for you.
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Debt is one thing that everyone dreams to be free from. Getting rid of debt is not an easy task. Each person has to take certain measures so that he can be free from his debts. Getting rid of debt is like climbing up a hill, when climbing a hill how one will take steps to reach the hill in the same way debt can also be easily paid off if one can take certain measures. If one has to be debt-free, he/she has to follow certain measures.
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Sorting of Debts
One of the most important measures to consider while getting rid of debts is to sort all your debts either according to a) time b) rate of interest and c) loan amount (low to high).
Reduce Expenses
You can clear your debts if you can cut down your unnecessary expenses. If you take the last 3-6 months' credit card bills and start sorting your expenses and find out which are unnecessary and can be avoided.
Earn extra income
Nowadays technology has widely spread and you can easily earn money driving Uber, delivering food, or doing freelancing.
Sell Unwanted things
You can sell off certain things which are not in use. Sometimes we buy lots of stuff and don't use it, identify such items in our home and office and start selling them on OLX. Use this money to pay off your debts.
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What are ELSS funds and how to invest?
ELSS or Equity Linked Savings Schemes are mutual fund investment schemes that offer secure savings with tax benefits. That is the reason why the ELSS funds are known as tax saving funds. Under the act of 80C of the income tax act, taxpayers can save up to 1.5 lakh.
Features of Equity Linked Savings Scheme (ELSS)
Equity Linked Savings Scheme is one of the greatest investment options, this scheme not only gives security also offers good returns with good tax savings. This scheme does not have any age limit. So one can start savings once they start earning.
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Key Features of ELSS
Offers Tax-benefits up to Rs 1.5 lakh under section 80C of the income tax act.
ELSS offers two investment options (Dividend or growth options).
ELSS comes with a lock period of 3 years.
The performance of the ELSS is completely based on the performance of the market.
As a business, any time you apply for a loan or other financing product, a cautious lender will most certainly consider 2 things to determine whether you’ll qualify for their services – your business credit score & your business credit report. They’ll also use these parameters to decide on the interest rate and the terms offered to you. To have a good credit score, you need to have a sound credit history and the best credit history is one with regular repayments but for repayments, you need to have a credit account – which brings us back to square one. Our article here will discuss how you can break through the cycle of credit and pedal your way to a great credit score!
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- Register your business:
The very first step to getting a business credit score is to legalize and register your business.
- Use a credit card to fund your credit history:
Every lender leans on your credit score while deciding whether to lend you a loan or not and for a good credit score, you need to have a decent credit history.
- Keep personal credit score as a backup:
Small businesses are often driven by sole proprietors – which means there is no separation between the owner and their business.
- Work with vendors who report payments:
If there’s a way for you to know, use vendors that will report your payments to the business credit bureaus.
- Monitor your business credit reports
Get into the habit of checking your company credit report & credit score at least a few times a year. By regularly checking them, you are aware & in control of your finances.
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Amazon is one of the top-rated online shopping sites which offers multiple benefits and offers. The site presents day-to-day offers based on the subscriber's taste and necessities. In today's generation, the system of co-branded companies has become a trend to satisfy customers. Amazon has tie-up with ICICI Bank which offers huge offers and advantages to its users.
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Pros of Amazon Pay ICICI Bank Credit Card:
- Annual Fee or Joining Fee - Nil
- Amazon Prime Members get 5% cash on shopping at Amazon.
- Non-Prime members get 3% cashback.
- Get 2% cashback on transactions with
- Amazon Pay Partner merchant.
- Get 1% cashback on all purchases.
- Get 15% off on dining bills at the partnered restaurants.
- Get 1% fuel surcharge waiver at all fuel stations.
Cons:
- No benefits on travel, entertainment, etc., other than shopping.
- No lounge access or air miles and no rewards
- Non-Amazon users can get more rewards and benefits from other cashback credit cards.
- Not good option for the international usage, as the foreign currency mark-up fee is high that is 3.5%
Bottom Line:
It is very clear that this card is best for the individuals (Prime users) who does frequent shopping on Amazon, and who looks to enjoy the cashback and other benefits on Amazon shopping without paying any annual or joining fee. But this credit card is not the option for the Non - Amazon Prime users as they can get more benefits from other cashback credit cards.
SBI TATA Star Titanium Credit Card, is launched by the Tata Capital Ltd. in association with the SBI (State Bank of India). The Tata card is unique credit card that comes with the special features and benefits for its users. On every purchase the card holder can get reward points and can be redeemed. The card comes with an annual fee of Rs 499. For further information please read the review given below.
Features and benefits of the SBI TATA Star Titanium Credit Card:
Value back offer-
The card holder will get up to 5% value back on purchases.
Reward Program-
- Get 3 reward points on every Rs 100 spent at departmental stores and at groceries stores.
- Get 1 Reward point on every Rs 100 spent at the retail outlets.
Annual Fee Waiver-
Annual Fee of Rs 499 gets reversed on spending Rs 1 lakh within a calendar year
Fuel Surcharge Waiver-
Now the card holder can get 1% fuel surcharge waiver.
Charges associated with the TATA Star Titanium Credit Card:
- Annual Fee - Rs 499
- Joining Fee - Rs 499
- Finance charges - 3.35% per month; 40.2% per annum
- Cash advance limit - 80%
- Card replacement charges - Rs.100
- Cheque fee - Rs.100
- Payment dishonor fee - 2% of the payment amount
Cash advance fee-
- SBI/ Other Domestic ATMs - 2.5% of the transaction amount
- International ATMs - 3% of the transaction amount
Late payment fee -
- For Rs.200 to Rs.500 = Rs.100 is charged.
- For Rs.500 to Rs.1,000; Rs.400 is charged.
- For Rs.1000 to Rs.10,000; Rs.600 is charged.
- For Rs.10,000 to Rs.25,000; Rs.800 is charged.
- Above Rs 25,000; Rs.950 is charged.
- Card replacement fee - Rs.100.
Bottom Line:
The SBI TATA Star Titanium Credit Card is for those who are looking for a credit card with offers provided by TATA Ltd. And security offered by SBI, as this card is an association card. The card comes with an annual fee of Rs 499, with value added features. The card offers interest free credit period up 5o 20 to 50 days also the card offers balance Transfer, do the card holder can get lower interest rates with this facility.
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Credit cards give away endless advantages to responsible credit card users. With the proper usage of credit cards, credit holders can profit from many bonuses. Responsible credit card users can gain one-time bonuses, rewards, cashback, safety, etc.
Can build Credit History:
Credit scores help you take the advantage of taking loans, the longer you use the credit card, the more you will build your credit score. The credit score depends upon the credit card history. The credit score can be increased or can even score more by the usage of credit cards in a good manner.
Signing up bonuses:
Many cards give away many welcoming bonuses, basically, these can be fetched by the spending of the money within a certain time given by the card lender. To gain on this advantage, check the fine print and go ahead to profit you are signing up bonus.
Cash Back Offers:
Many of the credit cards offer cashback on every purchase you do. Whenever the cardholder purchases through the cashback credit cards, the user will profit a small amount of money back. Overtime these rewards add up to sizable bonuses.
Reward Points:
Reward points credit cards help the cardholder profit rewards on every spending they do with the card. Many card lenders provide bonus points for the spending done at restaurants, groceries, gasoline, etc. When the user reaches to the threshold earnings, these reward points will be redeemed for travel. Gaining of reward points is endless depending upon your habits of spending’s. Reward programs are like Point Systems, frequent flyer cards, travel rewards, and rewards at restaurants, hotels, fuel, etc.
Help you track your spending’s:
You could budget better with credit card usage. All your purchases will be online recorded and this will be clearly provided on your credit card statements with essential information - which will help you get aware of how much you are sending, where you are spending, and when you are spending.
This feature works as a great boon during tax time. With all this info, you can save both money and time on your taxes. All the details will clearly show up on credit statements like business expenses, rental property expenses, charity, etc.
Protection against frauds:
Paying with credit cards will help you avoid loss from fraud. When someone theft your debit card, all your money will be lost and will lead you to debt. It will take a while for the fraudulent transactions to reverse, and it will take much time for the bank investigations.
But, when it comes to the credit card when fraud try to harm you, you aren't out of money, you just have to complain to the credit card company, that not to pay for the fraudulent transaction, all your money will be saved and the credit card company will solve the problem
Insurance:
Credit cards offer many insurance offers on rental cars, travel insurance, return protection, etc. Check out the consumer protection offers provided by the credit card, you will find many advantages that you haven't known yet.
Universally Accepted:
A credit card is your best friend while you are traveling. Housing, rental car booking is much easier with credit cards. Also, while you are traveling you could avail a feature of spending lower exchange rates than the higher exchange rates at the airports.
Conclusion:
Credit Cards are best for those who stick to paying their monthly bills in time (preferably full). If you could use the credit card responsibly, you could profit much from its usage like the reward points, the convenience, protection, etc.
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