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://www.edocr.com/v/bdg4gpbl/Cardinsider/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).

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Are shopping credit cards worth it?

Personal finance experts spend a lot of energy trying to prevent us from using credit cards—and with good reason. Many of us use credit cards irresponsibly and end up in debt. However, contrary to popular belief, if you can use the plastic responsibly, you're actually much better off paying with a credit card than with a debit card and keeping cash transactions to a minimum.

To know more about shopping credit cards , visit https://cardinsiderin.wordpress.com/2022/08/09/are-shopping-credit-cards-worth-it/

Let's examine why your trusty credit card comes out on top, and certain credit card uses and strategies to employ.

1. One-Time Bonuses

There's nothing like an initial bonus opportunity when getting a new credit card. Often times, applicants with good credit or excellent credit can get approved for credit cards that offer bonuses worth upto thousand of rupees in exchange for spending a certain amount in the first several months the account is open.

Other cards entice applicants with bonus reward points or miles that can be redeemed for travel, gifts cards, merchandise, statement credits, or checks (more on those below). In contrast, a standard debit card that comes with a bank checking account generally offers no initial bonus or ongoing opportunity to earn rewards.

2. Cash Back

The cash-back credit card was first popularized in the United States by Discover, and the idea was simple: Use the card and get 1% of your purchases rebated in the form of cash back. Today, the concept has grown and matured. Now, some cards now offer 2%, 3% or even as much as 6% cash back on selected purchases, though such lucrative offers involve quarterly or annual spending caps.The best cash-back cards are those that charge minimal fees and interest, while offering a high rewards rate.Some cards, like the Fidelity Rewards card, offer a high 2% rate of cash back rewards on all spending but you must deposit your cash directly into a Fidelity investment account.

3. Rewards Points

Credit cards are set up to allow cardholders to earn one or more points per dollar in spending. Many reward credit cards provide bonus points for certain categories of spending like restaurants, groceries or gasoline. When certain earnings thresholds are reached, points can be redeemed for travel, gift cards from retailers and restaurants, or for merchandise items through the credit card company's online rewards portal.

Your credit card rewards options are almost endless. Get a co-branded card offered in partnership with a hotel chain, clothing retailer or even a nonprofit organization like AARP, and you can leverage your everyday spending to earn valuable rewards day in and day out.

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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 welness credit cards, visit https://www.edocr.com/v/m3l0vw2p/Cardinsider/best-health-and-wellness-credit-cards-in-india

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.

• 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.

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How to make the most of travel credit cards

When used wisely, travel credit cards can open a world of possibilities for those with a case of wanderlust. But earning and redeeming points and miles can be complicated, and getting the most value from your card isn’t always obvious. If you’re not an expert, don’t worry; we’ve got your back. Here’s how to maximize your travel credit card rewards.

To know more more about travel credit cards, visit: https://cardinsider.blogspot.com/2022/08/how-to-make-the-most-of-travel-credit-cards.html

First things first: Make sure the cards in your wallet fit your spending habits and travel preferences. If you have to drastically overhaul how you shop and travel just to earn rewards, you’re not using travel cards strategically. Use what works for you. If you’re loyal to a specific airline or hotel chain, a branded travel card may be valuable. For example, a Citi AAdvantage Platinum Select World Elite Mastercard card can help you earn lots of miles on American Airlines flights, and then you can redeem those for more American flights later.

If you’re only using travel cards to pay for travel expenses, you’re probably missing out on many reward earning opportunities. Besides travel, many cards award extra points or miles on groceries, dining out, gas, or other spending categories. Rack up travel rewards faster by taking advantage of these benefits.

Many travel cards offer bonus miles or points for spending a minimum amount when you first get the card. But even after that, there are often special incentives to earn extra points or get discounts on select purchases.

The Balance team carefully analyzed the value of hotel points and airline miles and one thing became glaringly obvious: it often doesn’t pay to redeem your travel rewards for non-travel purchases, like gift cards or goods from Amazon. Our research found that using travel rewards this way can cut their value in half, if not more.

Travel cards with annual fees typically offer more high-value benefits, like free airport lounge access or a waiver on your checked bag fees. Make an effort to actually use these card benefits, or the cost savings are lost when you pay the annual fee.

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A rewards credit card is exactly what it sounds like: a credit card that rewards you for your purchases. Used responsibly, a rewards credit card can help you save money on everything from travel bookings to Amazon purchases.

Are rewards credit cards worth it? In most cases, yes, as long as you’re not carrying a balance and the annual fee (if it charges one) is less than the value of the rewards you earn each year. In any case, it doesn’t hurt to know how to get the most out of your rewards credit card.

To know more about if Reward credit cards are worth it, visit https://dailygram.com/index.php/blog/1145291/are-rewards-credit-cards-worth-it/

Let’s start by looking at the three most common types of rewards credit cards: Cash back, points and miles.

Cash back credit cards earn cash rewards on purchases. Most card issuers let you use cash back as a statement credit to reduce your credit card bill. Some of them also let you transfer cash back to your bank account or request a check for it.

Point-based cards and miles-based cards are a lot like cash back rewards cards — but instead of earning money on every purchase, you earn points or miles. Travel credit cards almost always fall in this category of rewards cards.

Like cash back, you usually earn points or miles on your purchases at a set rate. Many points and mile-based rewards cards increase your rate when you spend in certain categories.

The Capital One Venture Rewards Credit Card, Cardholders can also earn upto INR 10,000 on hotels and rental cars booked through Capital One Travel.

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You see an advertisement promoting a ‘lifetime free Credit Card’, and you wonder what the catch is. Are Credit Cards free? If they are, why do banks take the trouble of issuing them?

Whether you pay anything for your Credit Cards or not depends on how you use the Credit Card? In fact, if you use it prudently and smartly, a Credit Card can help you reap many benefits such as rewards, cash backs and discounts.

To learn more about free lifetime credit cards in India, visit: https://issuu.com/kartik745/docs/lifetime_free_credit_cards

Explore the best lifetime free credit cards in India. Find, compare and apply for credit cards with no annual charges. Choose the card based on your needs and enjoy reward points, cashback, sign-up bonus, and much more.

Here are some of the best Free lifetime credit cards in India:

• RBL Bank SaveMax Credit Card has benefits in Credit Advisory Report, reward points
• HSBC Visa Platinum Card has benefits in Dining, Shopping, Fuel
• IndusInd Bank Platinum Card has benefits in Travel, Golf, Entertainment, Fuel
• YES Prosperity Edge has benefits in Online and International spends
• Kotak Fortune Gold Credit Card has benefits inHigh cash limit, Fuel, Movie tickets
• YES Prosperity Reward Plus Card has benefits in Online shopping, international usage

If lifetime free Credit Cards come without charges, how do banks earn money from the service? A major portion of Credit Card revenue for banks comes from merchant fees – when you buy a product using a Credit Card, a percentage of its value goes to the card-issuing bank.

So, yes, a Credit Card can be free if you use it smartly.

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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.

SBI Card offers 50+ credit cards to match the varying needs of the customers. Among so many options available, it can be quite difficult to choose the best SBI Credit Card. The right card for you would be the one that offers benefits aligned to your needs.

To know more about Top 5 SBI credit cards, visit https://www.edocr.com/v/lxxq3q2l/Cardinsider/top-5-sbi-credit-cards-in-india

So, if you have made up your mind that you want a credit card from SBI but not sure about which SBI credit card is best for you, here is a list to help you.

SBI Simply SAVE Credit Card

SBI Simply CLICK Credit Card

Paytm First SBI Card Select

SBI Card PRIME

BPCL SBI Card Octane

Club Vistara SBI Card PRIME

SBI Card ELITE

So, if you are wondering which is the best SBI Credit Card, you can start your search with any of these cards depending on your preference.

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Travelling can often prove to be an exhausting affair in itself. Add to it, hours of waiting at crowded airports, barely able to find a comfortable spot to sit or rest, the never-ending announcements, the flurry of people running around and you have the recipe for a disastrous experience. And don’t even get us started on the low quality, steeply priced snacks, which can only take your frustration to another level, especially when they fail to satisfy your taste buds and growling stomach.

click on the link to get full information about airport lounge credit cards: https://cardinsider.wixsite.com/cardinsider/post/what-are-the-best-cards-for-lounge-access-in-india

List of best credit cards for airport lounge access India and International:

1. HDFC Regalia First Credit Card

2. InterMiles ICICI Bank Sapphiro Credit Card

3. SBI ELITE Credit Card

4. American Express Platinum Travel Credit Card

5. Axis Bank Vistara Infinite Credit Card

6. Jet Privilege HDFC Bank Platinum Credit Card

7. HDFC Superia Credit Card

8. Axis Bank Titanium Smart Traveller Credit Card

9. Yatra SBI Credit Card

10. AXIS Bank Miles & More World Credit Card

Free Airport Lounge Access Credit Cards

Best Credit Card for Airport Lounge Access India

ICICI Coral Credit Card Lounge Access

SBI Card Lounge Access

HDFC Regalia Credit Card Lounge Access

Axis Bank Lounge Access

We suggest that lounge access should not be the only criteria for choosing a credit card. You should look at the overall value that the card offers as compared to the fee charged.

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