We love credit cards. While earlier credit cards were the privilege of the affluent few, today, a very large number of people can afford a credit card. The reasons – the card provides financial freedom and is more secure than hard cash. Credit cards let you to buy now and pay later.



It thus help in a financial crunch. If this is not enough, credit cards also come bundled with various offers and rewards which save you money and provide access to lifestyle benefits.



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Take time to understand rewards

Credit cards give you reward points for specific kinds of spending. Some high-end cards also come with guaranteed gift vouchers and benefits, such as free access to airport lounges. Some gifts may also be provided as joining benefits, others as periodic benefits. Additionally, your accumulated points can be redeemed for rewards in cash or kind. 



Pay your credit card bills on time

This is well-known, yet many ignore this advice—with dire consequences. Credit cards impose a very high interest rate on outstanding balances. So if you do not clear your credit card dues on time, you would have to pay heavily.



Don’t settle for minimum payment

It’s often mistakenly believed that making the minimum payment on your card dues is sufficient. To avoid penalties, you must pay your bill on time. But to avoid heavy interest rates, you must also pay the bill in full.



Avoid using your card at an ATM

Credit cards also let you withdraw cash from ATMs. Avoid using this facility. Though allowed, ATM withdrawals attract heavy charges.

Right way to use a credit card!

There are thousands of people in India connected to Citibank. Either they have their savings account or investment with the same bank. But when it comes to applying for the Citibank Credit Card then people fall into the dilemma of choosing the best card. There are multiple Citibank Credit Cards that can be used for different purposes therefore we have shortlisted the best Citibank Credit Cards in India. There are 4 credit cards and they are for reward points, cashback, fuel offers, and premium cards. You can explore the features and benefits of all these credit cards before you get one. Let’s move on to the best credit cards in India that are issued by Citibank.

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Purpose of Best Citibank Cards

You must know the purpose for which you can apply for these credit cards. See the categories in which they are the best in savings.

Citi Rewards Credit Card

If you know how to earn reward points on a credit card and how to redeem all of them then this credit card is one of the best reward point credit cards. It gives you the opportunity to earn thousands of reward points and you can redeem them against various brands.

Citi Cashback Credit Card

You can earn a lot of cashback through this credit card. This credit card will save some bucks on utility bill payments and movie tickets. You will receive cashback on the utility bill payments and buying movie tickets.

Indian Oil Citi Credit Card

It is one of the best fuel credit cards that earn turbo points. These turbo points are redeemable at the refilling stations and thus cut off your fuel expenses. This card is best for those people who have a high amount of fuel consumption.

Citi Prestige Credit Card

This credit card comes under the premium category because it will give you a luxurious experience. You can visit the airport lounge for free through this card and there is no maximum limit for the free lounge visits. On the other hand, you can enjoy free visits to the golf courses and get free golf lessons.

Best Citi bank credit cards 2022.

RuPay was initiated by the Indian National Payments Corporation of India in 2012 and it operates only within the country. ATM withdrawals, internet transactions, and card payments are all available to RuPay cardholders. The RuPay card lowers operational costs and accelerates processing times compared to Visa and MasterCard. RuPay cards are accepted across the country in both urban and rural locations. So, let's understand how RuPay functions in detail.



What is RuPay?

RuPay is Indian first native card payment infrastructure, and it is widely used at ATMs, Point of sale terminals, and e-commerce platforms. It's a super-secure system that also protects against phishing. It is the response to worldwide payment networks and a statement of national pride. RuPay makes the RBI's goal of a cashless economy a reality. Only by pushing each Indian bank and financial institution into becoming tech-savvy and participating in electronic payments could this be accomplished.



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RuPay Cards

In India, RuPay cards have established themselves as a significant competitor to VISA and MasterCard. The Council for Payment & Settlement Systems in India was founded in 2005 when the Reserve Bank of India recognised integrating all payment systems beneath one channel. RuPay was established in 2012 by the Reserve Bank of India-backed NPCI. RuPay cards have grown dramatically since then and are quickly becoming a popular choice among Indians.



Features of RuPay Debit Cards

RuPay debit cards have several unique characteristics that differentiate them from other debit cards on the market.
RuPay debit cards are recognised by over 10,000 e-commerce sites with over 8 lakh payment terminals.
RuPay debit cards are approved at about 1.8 lakh merchant outlets in India.
All transactions take place within the country.
Compared to other debit cards on the market, this would result in speedier transactions.
RuPay cards are available from the government, private banks, cooperative banks, and rural banks.
When you use RuPay cards to make a purchase, the merchant is charged a 0.01% transaction fee.


Features of RuPay Credit Card

The Cen tral Bank of India and the Indian Banks Association employ the RuPay network to provide a safely and securely electronic payment process across India, allowing the RBI to achieve its goal of a paperless society.



RuPay Credit Cards, released in June 2017, enable individuals to make secure purchases of goods and services at participating merchants in India and abroad.

More than 700 Indian banks now issue RuPay Cards. So far, more than 350 million cards have been issued.

There are three main kinds of RuPay Credit Cards:

RuPay Select, RuPay Platinum, and RuPay Classic.

Everything You Need to Know About RuPay Credit Cards.

It's a simple fact that in order to establish credit, you have to use credit. For that reason alone, it's a good idea to use credit from time to time. Beyond that, there are also certain types of purchases that you should always use credit cards for because of the increased security that cards offer. Many credit cards also offer additional perks like points earned on purchases, which can really add up over time, essentially equating to "free money" for those who are consistently able to pay off their card balances, never having to pay costly interest fees.



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Note, however, that cardholders should fully understand the perks, features, and limitations of their cards' programs such as cash back, and use those categories of purchases as “credit only” as well. For example, the Amex BlueAdvantage card offers 6% back on groceries up to a certain dollar amount each year. That’s a huge discount on the weekly grocery bill and makes it a must-have for families with large grocery orders. Those “key purchase” categories also extend to affinity cards like the GM credit card where the perk itself can be directed to a specific purpose, such as a new car.



KEY TAKEAWAYS



Many credit cards feature rewards or points programs that make it beneficial to use those cards for particular purchases. Credit cards also often feature consumer protections such as warranties, insurance coverage, or fraud protection. There may be lots of perks offered by the card issuer, but keep in mind that the money to cover those perks is coming from somewhere—and that's typically from the wallets of unwitting consumers who have failed to pay on time.

Purchases You Should Always Make With a Credit Card?

Credit cards are very useful financial tools. They come in handy during emergencies. They enable you to spend during crises since they provide you with the luxury of paying the money later. They increase your purchasing power. They empower you to purchase things without having to worry about paying the money then and there. Nowadays, credit cards offer reward points and cashbacks according to your lifestyle. The reward points offered by shopping and travel credit cards revolve around this category.  Before applying for a credit card, there are certain things, such as the credit card billing cycle, due date, and minimum payment that you must be aware of. To use it judiciously and reap the maximum benefits also, you must be aware of these things. 
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Credit Card Billing Cycle 
The utility of the credit card, the pattern of spending, and several other aspects depend on its billing cycle. This becomes very crucial especially if you have multiple credit cards. When the billing cycle is completed, the bill on your card will be obtained. All the transactions during a billing cycle will echo on your next credit card statement. 
Let us now understand what a billing cycle is with an example. Suppose your credit card statement is generated on the 5th of every month. Your billing cycle will start from the 6th of the previous month and continue till the 5th of the present month. Your credit card statement reflecting all the transactions - purchases, cash withdrawals, charges associated with finances, outstanding balance interest, EMIs, refunds, etc. for this period will be generated by the bank and sent to you. 
Any transaction made after the billing cycle is reflected in the next statement. For instance, in the above example, if you make a transaction on the 7th, then it will reflect in your next statement. The credit card billing cycle will differ from bank to bank and is generally between 27 to 31 days. It will also depend on the type of card you have. Sometimes, the bill delivery may be delayed, and you should contact the call center to find out. 
Credit card agencies will intimate the details of every transaction in your billing cycle to credit card agencies. If you exceed the credit card limit in your billing cycle, it will affect your credit score negatively. 
 Payment Due Date
What is the payment due date, and how is it calculated? It is the date by which you credit the amount due to your credit card account. It will be mentioned on your credit card statement. The due date is usually 21 to 25 days after the statement has been sent or after the billing cycle ends. 
The period between the billing date and the due date is called the interest-free period or the grace period. Thus, the transactions conducted at the beginning of the billing cycle will have more grace time compared to the ones done towards the end. The payment should be done on or before the due date so that you are not levied with any interest or late payment charges. 
Meticulously paying on or before the due date will help in maintaining your credit card account in good status. Note that, if you foresee a time delay in the payment reaching the company, then you should make the payment well in advance of the due date. For instance, if you are paying by cheque, then it will take 2 to 3 days for clearance. So, in that case, you must deposit the cheque before the due date.

Can I Pay A Credit Card Bill On The Due Date?

Taj InnerCircle (TIC) 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. 



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Benefits of Taj Inner Circle (TIC) Membership on Credit Cards

Following are some of the benefits that you can avail via TIC Membership-

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 (Applicable at hotels in India participating in the Epicure complimentary night offer)



Taj InnerCircle Silver Tier

 Directly get Silver Tier status

No point expiry 

Points do not expire for active members

1 TIC Point= Re.1 



How to Redeem TIC Reward Points?

Redeem your points for vacations, spa treatments, dining delights and more. You can also choose from a range of online redemption options like rooms, Taj Holidays and Taj Experiences Gift Cards, by logging in to your membership account.



Is the TIC Membership worth it?

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.

Best taj InnerCircle Points & Taj Epicure Membership.

Travel credit cards and cashback credit cards are the two widely used card categories. While cashback cards offer a variety of redeemable points on transactions along with cashback offers. Travel-oriented cards on the other hand provide offers on partnered restaurants and hotels along with airport lounge access, both domestic and international.

Read more about Travel cards and cashback cards at https://karannegii.wordpress.com/2022/08/03/travel-vs-cash-back-credit-cards/

Travel cards are not like regular use cards. These cards are a prime choice for people who travel a lot. Cashback cards are more of a daily driver. Let’s get deep into how these differ from each other:

Since Cashback cards are used for making daily purchases to earn points and cashback offers, they become a prime choice for someone looking forward to using a credit card on a daily basis at shopping complexes, departmental stores, or online purchases.

Travel cards can be used for shopping and for online payments but it is not advised to do so as they do not possess any benefit in being used as a daily use credit card.

Travel cards, while offering a realm of benefits on travel-related amenities, fall short of being a daily driver. There are some points to keep in mind while getting a travel card.

Travel Vs Cash Back Credit Cards

TOP BEST BUSINESS CREDIT CARDS IN INDIA
If you're an entrepreneur, you've certainly got your hands full - from full-filling your customers' expectations to ensuring the books are always balanced. but between the competing demands of your clients and employees, you may have overlooked getting a credit card for your business. there's a lot of talk about business credit cards these days, largely because they provide exciting offers and discounts on business trips, air travel, extra baggage, exclusive access to airport lounges and more. 
To get to know more about the top best business credit cards, visit https://issuu.com/kartik745/docs/top_best_bussiness_credit_cards_in_india.
it’s never too soon to avail of these exciting discounts and rewards and keep the entrepreneurial dream alive. but what you might be wondering is which credit card works best for your business's unique requirements.
well, sit back, relax, and let’s look at some of the best business credit cards in India.
Here are some of the top best business credit cards:
1. SBI prime business credit card: if you have countless and recurring monthly expenses, then the SBI prime business credit card is the card for you. it offers a one-time annual fee at ₹2,999. plus, the card's renewal fee per annum stays at ₹2,999 from the second year.
2. HDFC business money-back credit card: who doesn't enjoy credit card reward points and cashback offers? if you're looking for perks to help you grow your business, the HDFC business money-back credit card is perfect for all your business transactions and expenses. 
3. Amex platinum travel credit card: the American Express platinum travel credit card is the ultimate travel card for all your business transactions and trips. this card provides jet-setting entrepreneurs with exciting offers on air travel. plus, it has different hospitality and accommodation tie-ups for premium members.

TOP BEST BUSINESS CREDIT CARDS IN INDIA

What Is Airport Lounge Access Credit Card ?
Airport lounge access Credit Cards are tailor-made for frequent travellers. The cards provide benefits such as complimentary access to priority pass membership for hundreds of airport lounges. You also get air miles that can later be used to avail special waivers on flight prices and many other perks. These cards fetch you offers and discounts not only on travel but also on entertainment, shopping and dining.
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What are the advantages of having an airport lounge Credit Card?
Some of the key benefits that the best of Credit Cards for airport lounge access offer are: 
Lock in bonus air miles: Thanks to tie-ups with airline companies, airport lounge credit cardholders can earn bonus air miles on booking tickets using the card.
Frequent travellers can save money: Best airport lounge Credit Cards help frequent fliers save a lot of money. It also gives you an enhanced airport experience. These cards come with a host of discounts and savings on flight tickets. They give you bonus air miles along with dining privileges and access to airport lounges 
 
Insurance benefits: Some airport lounge Credit Cards also offer insurance benefits like accident cover or insurance against damage of goods.
 
Interest-free credit period: You can enjoy an interest-free period with some airport lounge cards. 
Access to airport lounges: As the name suggests, the lounge access cards offer privileged priority pass and complimentary lounge access at thousands of domestic as well as international airports. At these lounges you can experience luxury like quiet and comfortable spaces, complimentary refreshments, Wi-Fi, hygienic shower facilities, spas and beds for long stopovers. 
Waivers on flight tickets: Of the different benefits you can avail on airport lounge Credit Cards, one is, special waivers on various cost components of a flight ticket price. For example, some cards can give you exemptions on fuel surcharge or meal bookings.

What Is Airport Lounge Access Credit Card ?

Factors To Compare Credit Cards
There’s little doubt that today the credit card is one of the most popular and sought-after financial products in the market. Owing to its high demand, the market is filled with credit cards aimed at every spending category.
And this is precisely why it’s not surprising if you get confused while trying to figure out the best credit card for yourself.
To know more about comparing credit cards, visit: https://dailygram.com/index.php/blog/1129382/factors-to-compare-credit-cards/
Top Tips for Comparing Multiple Credit Cards
Choosing one among the numerous available options isn’t a cakewalk but you would get a clear picture if you follow the credit card comparing tips listed here.
Ascertain the category: This is perhaps the most crucial factor to be taken care of. The first step to compare various credit cards is to figure out the category of the card that you need. If you are a frequent traveller, you should go for a travel credit card.
Likewise, if you are a foodie and spend the most on restaurants and dining out, check out the best options on the dining category. Other popular categories include cashback, daily expenses (including groceries), online shopping, etc.Know the credit card type: Here, you have to choose from options like silver cards, gold cards, regular cards, platinum, titanium, etc. The type of the card you are eligible for would primarily depend on your income along with a few other factors.
The major difference between these card types lies in the features and benefits that they offer.Interest-free period: Also known as the grace period, this is the number of interest-free days that you enjoy on your credit card expenses. This can typically extend up to 50-55 days depending on the date of the expense with respect to the monthly credit card bill generation date.
So check out the best credit card in terms of the interest-free period. This would certainly help you in enhancing your experience of using a credit card.Reward points: One of the attractive features that almost every credit card offers is the reward points program. Most credit cards give you reward points when they are used for transactions across a wide range of categories. The accumulated points can then be redeemed for attractive gifts and benefits.
So check out the cards which would give you the highest reward points on the categories on which you spend the most.Interest rate: Another factor that is very important to consider is the rate of interest that you would be charged on your card transactions. Because the interests start accumulating right after the grace-period (from the date of transaction for certain spend categories), try to get a card that has a relatively low-interest rate.

Viabhav Sharma