Information About Credit Card In the modern era, credit card is the best option to pay bills and perform other transaction without any complication. Most service provider, dealer, shop owner will never ask for the extra amount if you are paying an amount through credit card not in the cash payment mode. If you are use credit card to pay your bill then the respective bank will give some additional benefits to you to make the shopping experience much beneficial. Go & Get Your Credit Card, Right Now Apply Online In case of cash withdrawal bank stops free credit period facility and will continue once remaining amount is paid to the bank. This condition, works in case of big amount is paid by user through credit card than cash payment option. The free credit period will work when user credit card to pay the complete bill in a certain time interval otherwise he will not get this facility. Shop and pay smartly to avoid any financial complication and better transaction facility.

Credit Card Definition Credit card is payment cards issued by authorized financial institution or bank that provides facility to its user to perform various transactions with complete security and make payment facility easy. As an aware and smart customer always follow and compare some main factors before applying for credit card. Some of them are:- Joining And Annual Fees User must collect information about joining and annual fees to avoid making card selection much easy. Information Regarding Bonus And Reward Points User must collect information about joining and annual fees to avoid making card selection much easy. Information About Interest Rate The card holder must know about current interest rate offered by respective banks on a particular credit card. Apart from interest rate user must know about free credit period facility and rollover facility. Check Your Eligibility Against Respective Credit Card This is one of the most important and mandatory step that every candidate who is looking to apply for a credit card must follow and select the card as per your eligibility. If any financial institution tries to convince you without any written proof, never go with their advice; always ask for written information and authentic records to avoid any major financial trap. Always validate information and ensure that information that you have is accurate and authentic.

Credit Card Number A valid credit card number is combination of several important fields along with specific message. It is also known as primary account number or (PAN). User must know that these numbers abide by standard of ISO/IEC 7812 number system. It is understood that credit card numbers are used while performing online transactions and other vital transactions. These numbers contain the information about issuer identification number (IIN), i.e. 6 digit codes, identification number of individual account along with checksum of single digit. The issuer identification number is known as bank identification number (BIN). Another thing that user must know that first digit of issuer identification number refers to the major industry identifier and specify that where use of card will be mandatory and on the other hand total number of digit is 9 then next three digits refers to country code as specified in ISO 3166-1.

Sr. No. Card Issuer Digit Criteria Remarks A. Diners Club 14 Digits Including enRoute, Blanche, International B. Master Card 16 Digits - C. Visa and Visa Electron 13 Or 16 Digits - D. Japan Credit Bureau (JCB) 15 or 16 Digits - E. Discover 16 Digits - F. Maestro 12 or 19 Digits Multinational Debit Card G. American Express 15 Digits - H. China UnionPay 16 Digits Peoples Republic of China I. Solo 16, 18 Or 19 Digits United Kingdom Debit Card J. Switch 16, 18 Or 19 Digits United Kingdom Debit Card K. Laser 16 To 19 Digits Ireland Debit Card

How to use a credit card Getting a credit card is a major financial step, but using it in a correct manner, is a huge responsibility too. Every coin has two sides and it completely depends on how you handle and manage things. The same goes for credit card as well. While using a CC responsibly can save you from unfortunate financial emergency, used irresponsibly can potentially lead to the spiral of long term debt. So, follow some easy tips to never let CC become a financial burden over your budget. Keep a track of your spending When you have a credit card, you feel financially free, but that doesn't mean that you can utilize the entire credit limit without any worries of repayment. Before swiping your card, remember that you have to pay the entire amount you have spent on card. It can be very easy to rack up more debt on your card than you can actually afford to repay, therefore it's important to limit the usage and keep track of every spending. Pay outstanding bill regularly Nothing can save you from paying interest on your credit card if the outstanding bill is not paid on time. Regular bill payment is the foremost rule to use the card responsibly. Resist the urge to spend more than you can repay for any given month. Avoid paying minimum balance Another rule of thumb is avoid paying minimum balance out of total outstanding bill. This is because paying minimum bill might save you from financial burden in the ongoing month, but will ultimately increase financial burden in a coming month. Set a sensible limit No matter how much credit limit is available on your card, set a sensible limit at your own that you can repay without any worries. For instance, if you have a credit limit of Rs.40000 and a monthly income of Rs.20000, it is best not to exceed the usage above Rs.20000 or even less.

Top Banks offering Credit Cards in India Bank/Financial Institution Top Credit Cards Annual Fee Range* American Express a. American Express Platinum Reserve Credit Card

b. The American Express Platinum Travel Credit Card

c. The American Express Membership Rewards Credit Card Rs. 1,000 - Rs. 10,000 RBL Bank a. RBL Platinum Maxima Card

b. RBL Bank Blockbuster Credit Card

c. RBL shoprite credit card

d. RBL Movies and More Credit Card

e. RBL Bank Cookies Credit Card Rs. 500 - Rs. 2,000 Bank of Baroda a. Bank of Baroda Premier Credit Card

b. Bank of Baroda Select Credit Card

c. Bank of Baroda Easy Credit Card Rs. 500 - Rs. 1,000 IndusInd Bank a. IndusInd Bank Platinum Aura Credit Card

b. IndusInd Bank Chelsea FC Credit Card Rs. 0 - Rs. 1,099 Axis Bank a. Axis Bank Vistara Credit Card

b. Axis Bank Vistara Infinite Credit Card

c. Axis Bank Vistara Signature Credit Card Rs. 1,500 - Rs. 10,000 HDFC Bank a. Regalia HDFC

b. MoneyBack HDFC

c. JetPrivilege HDFC Bank World Rs. 500 - Rs. 10,000 ICICI Bank a. ICICI Bank Coral Contactless Card

b. ICICI Platinum Chip Card – Visa

c. Ferrari Platinum Credit Card Rs. 0 - Rs. 5,000 Standard Chartered Bank a. Standard Chartered Manhattan Platinum Card

b. Standard Chartered Platinum Rewards Card

c. Standard Chartered Super Value Titanium Card Rs. 250 - Rs. 5,000 Citi Bank a. Citibank Rewards Card

b. Citi PremierMiles Credit Card

c. IndianOil Citi Platinum Credit Card Rs. 500 - Rs. 3,000 SBI Card a. SimplyCLICK SBI Card

b. Air India SBI Signature Card

c. SBI Card ELITE Rs. 499 - Rs. 4,999 YES Bank a. YES FIRST Preferred

b. YES Prosperity Edge

c. YES Prosperity Rewards Plus Nil* Note*: The statics provided in the table are subject to change.

Features of Credit Cards Credit cards, undoubtedly, have become the most important part of our lives, in order to manage finances better. The market is flooded with lots of credit cards variants including fuel, entertainment, rewards, and lifestyle. Individuals have got the freedom to select the card of their choice and needs. However, these plastic cards may differ in the privileges they offer, but most cards come with similar basic features. Let's have a glimpse of it :- Alternative to cash No matter how good your bank balance is, it's quite difficult to carry a wallet full of money or cash anywhere and everywhere you go. But, the fact is, emergencies don't come considering your financial status. So, what to do next? Well, the answer is credit cards. Yes, credit cards are the most convenient and handy alternative to cash. A lot can be done with mere swipe of a card. Be it hospital bills, utility bills, recharges, wedding arrangements, online orders, and the list goes on, there is hardly something left that cannot be done with the petty card. So, say a goodbye to all your cash worries and grab your credit card today. Aids payment in foreign currencies as well The privileges of a CC are not restricted within the country's boundaries and the cardholders can avail the benefits even for overseas transactions. The transactions can be easily done in foreign currencies. This feature reduces the cumbersome process of currency conversion. Keeps record of all your spendings There is one thing in common that people don't remember where they have spent their money and this gives rise to mismanagement of finances. But, the case is completely eliminated with the use of credit card. Cardholders can keep a track of every single penny they have spent. Also, the banks or credit card provider companies send a monthly statement to the customers stating the total amount spend in a cycle along with all the debit and credit transaction details. Grace period Basically, this is a period given to the cardholder by the bank or CC provider company, in order to arrange finances to make payment of current outstanding bills. During this period, there is no interest charged over the outstanding bill. Rewards Isn't it would be great to earn exciting rewards on every purchase? Sounds interesting, right. Well, most credit cards come with exciting reward and discount offers that make your CC experience even better. On weekend and specific spending, the rewards are accelerated and the cardholder can earn up to 15 times more rewards.

Interest-free Period Offered by Top Banks India Credit Card Issuer Credit Card Interest-free Period American Express Credit Card Up to 48 days ICICI Bank 18 to 48 days Axis Bank 20 to 50 days HDFC Bank Up to 50 days Kotak Mahindra Bank Up to 48 days HSBC Bank Up to 52 days IndusInd Bank Up to 50 days State Bank of India 20 to 50 days Citibank Up to 50 days

Benefits of Credit Cards A credit card is the most convenient financial tool that comes handy for everyday purchases from booking air tickets to buying groceries. Over the years the demand of credit cards has increased at swift rate and all thanks to the perks and privileges it holds for every cardholder. Welcome bonus It feels great when you enter into someone's place and gets your favourite welcome drink, right? Going with this tradition, most credit card companies provide exciting welcome bonuses and rewards to their customers as welcome gift. This may include shopping vouchers from top brands, movie tickets, flight tickets, bonus reward points, and so on. Cash back Well, this is somewhat similar to earning rewards, but the only difference is instead of crediting rewards to the cardholder’s account, cash back amount, on certain transactions, is directly debited to the account. However, the offer is restricted to selected categories or transactions only. Also to be notes is that the percent of cash back can vary from category to category and bank to bank. Complimentary personal accident insurance Another feather in the cap states the complimentary coverage of personal accident insurance for up to Rs.50 lakh. Most CC companies provide insurance policies to the cardholders in order to ensure better and enhanced financial assistance in case of any uncertain event. These complimentary extras can get you a great deal of time and money and gives a peace of mind in long run. Convenient and hassle-free shopping Even if you ask a random cardholder about the benefits of credit card, their first answer would be – it’s convenient and hassle-free. Of course, the fact is very well said as the cards are convenient to use for daily shopping. One doesn’t need to carry cash everytime they go out. Also, carrying cash invites the risk of robbery. The risk is completely eliminated with the use of credit cards.

Interest rates Charged by Top Banks India Credit Card Issuer Credit Card rate of interest on revolving Credit American Express Credit Card 1.99% to 3.5% per month IndusInd Bank 3.83% per month ICICI Bank 2.49% to 3.50% per month Axis Bank 2.50% to 3.25% per month Citibank 3.10% to 3.50% per month HDFC Bank 1.99% to 3.49% per month Kotak Mahindra Bank 2.49% to 3.50% per month HSBC Bank 1.99% to 3.30% per month State Bank of India Up to 3.35% per month

Lesser known Credit Card facts A. Diner's Club is the first company to offer a credit card back in 1950. Despite the limited network of just 14 restaurants in New York, the company garnered over 20000 cardholders within a year. B. Frank X. McNamara, Diner's Club founder, went for a dinner at a restaurant one evening and realized he had forgotten his wallet. This gave rise to the idea of credit card. C. If you lined up all the credit cards in the world side-by-side, you could span the moon nearly 14 times. D. VISA stands for Visa International Service Association. E. Around 10000 credit card transactions are made around the world every second. F. The first MasterCard or credit card hologram was introduced back in 1983 to safeguard transactions and make forgery difficult. G. The first six digits of a credit card number are known as the Issuer Identification Number and the rest of the digits make up personal credit card account number. H. Credit card numbers can be validated using a checksum formula known as the Luhn algorithm. I. Credit card expires but not the account. J. Single women were restricted to get credit cards until 1974.

Add-on credit cards The days are long gone when living a life on credits was a taboo in a society. Today, around half of population owns a credit card. Even it is believed to be a great tool to manage finances better. As the demand of credit cards is everyday rising, a new concept was introduced by banks and CC Companies – add on or supplementary card. Basically, as the name suggests, supplementary card is an additional card that is issued under primary card. This card allows sharing the benefits with parents, spouse, sibling, or children aged above 18 years. However, there are certain terms and conditions linked with the secondary or add-on card, which differs from bank to bank. Benefits of Add-On Credit Card When used well with responsibility and judiciously, add on credit cards come with an array of benefits and privileges. Let's have a glimpse of benefits of add-on credit cards: Accumulate rewards on all cards One thing that lures to grab a credit card is exciting accumulating reward points on every purchase. When a secondary card is registered with the primary one, rewards earned on all cards are also directed to the primary card. The accumulated points can be redeemed against a variety of redemption options. Introduction to credit for youngster Giving your kid or younger sibling knowledge to manage finances better helps them build a better and secured future financially. Add-on credit card gives an understanding about the credit card usage. It also helps them to keep a control of their spending habits and improving their financial managerial skills. Good for individuals with lower credit score Those who have low or no CIBIL score, add on card is a great element for them. Usually, banks or CC provider companies don't issue a credit card to applicants with low credit score. However, add-on cards don't work to improve or boosting the secondary cardholder's CIBIL score, they can be good financial element for getting an additional spending power.

Credit Information Bureau India Limited - CIBIL Credit Information Bureau (India) Limited (CIBIL) score play important role in acceptance of credit card request and it also reflect your credit history. CIBIL score always calculate in rage of 300 to 900, where 300 represent to lowest CIBIL score and 900 represent highest CIBIL score. If your bank credit history is good then you will easily get your credit card.

Steps to Apply for a Credit Card from ApplyKaroo Step 1 : Go to url https://www.applykaroo.com/credit-cards and following window will appear on screen.

Step 2 : Enter name of your city, type of job and your monthly income and click on the search button.

Step 3 : Then,as per user detail relevant credit card's list will appear on screen.

Step 4 : Then, user can select the best credit card as per his interest and then click on the APPLY NOW button.



Step 5 : Now, Enter your personal details as per requirement in application form.



Step 6 : After detail submission,within month respective bank will deliver your credit card at your door step.





Air Travel Card The air transport association and American airlines jointly launched this vital visa card for all frequent travelers to make their trip economical as well as memorable for longer time. Air Travel Credit Card avails maximum number of travel related luxury along with some remarkable benefits to take things into a different level. They are designed to specifically to make trip even better and interesting. In case of cash withdrawal bank stops free credit period facility and will continue once remaining amount is paid to the bank. This condition, works in case of big amount is paid by user through credit card than cash payment option. The free credit period will work when user credit card to pay the complete bill in a certain time interval otherwise he will not get this facility. Shop and pay smartly to avoid any financial complication and better transaction facility.

Top Air Travel Cards In 2019 Axis Vistara Infinite Credit Card Free business class flight ticket as a gesture of welcome gift Earn 6 reward points on every spent of Rs.200 and 10 reward points on every spent of Rs.100 at the official Vistara website Complimentary lounge access under Visa Lounge Access Program and Club Vistara Gold Membership (4 visits/quarter) HDFC Diners Jet Credit Card 15 Tier points on making first transaction within 90 days of card issuance Earn 8 JPMiles for every spent of Rs.150 and earn additional 15000 JPMiles on exceeding Rs.150000 within 90 days of card issuance Unlimited complimentary golf course access across 20 domestic and 40 global golf courses Enjoy fuel surcharge waiver up to Rs.1000 per month AMEX Jet Privilege Credit Card Get 12500 bonus JPMiles and a complimentary Jet Airways air ticket as a gesture of welcome gift Get 5000 renewal bonus and Jet Airways air ticket promo code on card renewal Earn up to 10 JPMiles on every spent of Rs.100 across all categories Complimentary airport lounge access, free movie tickets, golf rounds, discount on dining, and much more SBI Air India Signature Credit Card Earn 4 reward points on every spent of Rs.100 across all categories and accelerated 20 reward points for every spent of Rs.100 on Air India official website. Get fuel surcharge waiver of Rs.250 per statement cycle on minimum transaction of Rs.500. Earn additional 5000 reward bonus points on card renewal. Enjoy complimentary lounge access under complimentary Priority Pass Program Standard Chartered Yatra Platinum Credit Card Earn 10% cash back on travel ticket bookings via yatra.com Earn 4x reward points on every spent of Rs.100 on yatra.com Get travel vouchers worth Rs.4000 as welcome gift on making transaction within 60 days of card issuance Grab a host of discount and offer opportunity across dining, shopping, and more under Standard Chartered Good Life Programme Earn 1% fuel surcharge waiver on minimum fuel purchase of Rs.500 Kotak Bank Royale Signature Credit Card Earn up to 4X and 2X reward points on every spent of Rs.150 on special and other categories, respectively. Get annual fuel surcharge waiver of up to Rs.3500, applicable on transaction between Rs.500 to Rs.3000 Get credit card loss liability cover of up to Rs.250000 against fraudulent usage up to 7 days pre-reporting Complimentary airport lounge access in India Citi PremierMiles Credit Card Earn 10 miles for every spent of Rs.100 on airline transactions via Citi bank official website & redeem the miles points against hotel reservation and booking travel tickets from partnered airlines Earn additional 10000 miles points on making minimum transaction of Rs.1000 within 60 days of card issuance Contactless credit card to protect against any fraudulent and card cloning scams Axis Bank My Wings Credit Card Enjoy 15% discount on dining at partnered restaurants across India Convert your purchases over Rs.2500 into easy monthly instalments Enjoy complimentary access to airport lounges across India Joining fee - Rs.1200

Prepaid Credit Card It can be said that it is revolutionary step taken by banking and financial organization to transform the entire payment system. One of the main reasons behind this is that people prefer online transaction rather than wasting time in traditional payment system. These days balance transfer is one of the main tasks of this credit card. Working process of this is quite similar to credit card where user needs to borrow credit from respective bank. It consists of logo of visa and master card, security chip, magnetic stripe, unique card number along with highly configured security chip. These things may become even more interesting if someone will look to utilize recently launched interesting and best credit card deals and other respective offers.

Types of Prepaid Credit Card A.Non Reloadable Credit Card B.Open Looped C.Semi Open Looped D.Closed Loop E.Reloadable Credit Card Transaction Step A.Authentication of User B.Batching Process C.Clearing And Settlement D.Funding E.Chargeback

Benefits of Prepaid Credit Card A. User does not need to pay higher interest rate while paying any utility bill or any other vital transaction. B. Any individual can easily pick the best one as per their requirement because; you do not need to maintain higher credit score, healthy bank balance and other specific criteria. C. Like credit card, user does not need to wait for certain time to get their card. Respective companies instantly issue the card as per request of customer. D. Tracking all transaction related activities is quite easy and these are quite secure to use. E. Open looped prepaid card can be used to withdraw amount from ATMs. F. Sometimes users will get special reward and cash back earning opportunity. G. As per their interest, customer may easily pick customized one to get special privilege on respective field. H. Instant approval is one of the credit card is one of the striking facility of these cards.

Top Prepaid Credit Cards In 2019 State Bank Smart Payout Card Minimum of Rs.100 and maximum Rs.10000 can be loaded in the card. Rs.10 per reload is charged. No limit on the number of transactions until the balance on the card finishes. Enjoy up to 3 add on cards. Saral Money Prepaid Card Joining fee - Rs.250 + GST Minimum load limit of Rs.100 and maximum up to Rs.50000 Free cash withdrawal facility from any ICICI Bank ATM No limit on the number of transactions. Axis Bank Smart Pay Card Daily cash withdrawal limit of Rs.20000 Daily point of sale transaction limit is set to Rs.50000 Applicants don't need a separate salary account to get the card. Exciting deals and offers on the card. State Bank Achiever Card Minimum load limit of Rs.100 and maximum Rs.10000 can be loaded in the card. No cash withdrawals are allowed on the card. No restriction on the number of transactions at Point-of-Sale and online retailer purchases Joining fee - Rs.100 + GST HDFC Bank Forex-Plus Available in 22 foreign currencies including USD, Euro and GBP Contactless card for enhanced security and protection of the transactions Protection against Foreign Exchange fluctuation. Availability of backup card, so in case the primary card is lost, you can activate your backup card by simply logging to HDFC net banking. State Bank Xpress Money Card Maximum up to Rs.50000 can be loaded in the card. Maximum up to 30 remittances can be loaded during a calendar year. The card can be used at any bank ATM for cash withdrawal. No separate bank account is required. ICICI Bank PayDirect Card A complete payroll solution for a company. Bulk uploading and reloading facility. The card is accepted across more than 5 lakh merchants. No minimum balance maintenance required. American Express Serve Prepaid Credit Card Monthly fee - $7.95 Zero cash withdrawal charges at MoneyPass ATMs and $2.50 at non-MoneyPass ATMs ATM transaction decline fee - $0.75 No CIBIL score is required to get the card. Union Bank Payroll Card The cards are easier to get even for employees without bank accounts. Cardholders can access their salary without any fee. Overdraft facility available. No restriction on the number of transactions per month. HDFC MoneyPlus Card A great alternative to cash and gift vouchers. Track the statement any time via HDFC net banking. Get free accidental personal insurance cover of Rs.3 lakh Cash withdrawal limit of Rs.1000 per day. HDFC Bank ItzCash Prepaid Card A simple and efficient payment solution for the cardholders. Maximum up to Rs.5 lakh can be reloaded in the card. Enhanced security and protection on the card usage. The card can be used across any POS outlets. IDBI Bank ItzCash Prepaid Card An applicant doesn't require a separate bank account to get the card. Enjoy cashless, secure, and convenient banking transactions. Cash withdrawal facility across the country. Card validity of up to 5 years.

Major Parties Involved In Utilization Consumer or Card Holder The user uses this to perform all vital transaction while shopping online. Bank That Issue Card Reputed bank and financial organization avails this facility to ease all transaction related processing as per guideline of reserve bank of India. Merchant Under this category basically merchant and its service provider connect with each other regarding exchange of services. Bank that Acquire Services On behalf of merchant, financial institutions accepts payment regarding services and products. Sales Based Organization Agency that resell its services or product to merchant. Account of Merchant Sometimes it refers to independent sales organization or acquiring bank. In most of the cases it goes with merchant that manage it. Transaction Network It refers to controller system that handles all queries and processing of transactions. Association of Credit Card They are responsible for handle all transaction based pact with merchant and mange services of renown service provider like visa, master, discover and several other. Insurance Provider All reputed organization or agency offers special privilege along with insurance facility for personal, vehicle, health, travel, home and other ones. Affinity Partner Universities, sports teams, major retailers, professional organization are the best example that utilizes the services of respective bank.

Entertainment Credit Card Are you a night life lover? Do you love going clubs every weekend? Do you frequently visits fancy restaurants? Or are you a die-hard fan of new film releases? Did you ever compromise your desires and sit back at home just because of empty pockets? If yes, then shoot your worries out because entertainment credit card is here packed with amazing rewards and exciting bonuses."All work and no play make Jack a dull boy!" and it comes true in the modern day society where everyone is rushing towards their life goals, not realizing that life is in the present moment. Many of times, we compromise our desires to enjoy a club night or to dine at fancy restaurants, but, no more keeping aside your desires just because it is a month-end or you are empty pockets. You can simply redeem the reward points to book club or movie tickets or at partnered restaurants. So, set yourself free and live in the moment. Top Entertainment Credit Card in India Citibank Ultima Visa Credit Card, Axis Bank Infinite Credit Card, SBI Platinum Card, Kotak Trump Gold Credit Card, Citi Dividend Platinum Select MasterCard, ICICI Bank Rubyx Credit Cards, HDFC Platinum Times Card.

Top Entertainment Cards In 2019 Citibank Ultima Visa Credit Card Earn 1 reward point on every spent of Rs.150 across all categories Receive 10000 air miles and voucher worth Rs.10000 from Taj Group with first transaction with the card Get complimentary membership of Kingfisher Gold Tier Club or JetAirways Platinum Club Get complimentary airport lounge access to over 700 VIP lounges globally Axis Bank Infinite Credit Card Complimentary business class air ticket as a gesture of welcome privilege Get up to 3 business class air tickets free and 10000 CV on milestone spends Earn 6 CV points on every spent of Rs.200 across all categories Complimentary club Vistara gold membership Annual fee of Rs.10000 SBI Platinum Credit Card E-Gift vouchers worth Rs.3000 from popular brands like Bata, Pantaloons, Yatra.com & Earn up to 10 JPMiles on every spent of Rs.100 across all categories Earn 20 reward points on every spent of Rs.100 on utility bill payments & 10 reward points on every spent of Rs.100 on dining, groceries, movies, and departmental stores Complimentary airport lounge access, free movie tickets, golf rounds, discount on dining, and much more Kotak Trump Gold Credit Card Earn 3X reward points on every spent of Rs.100 on retail purchases Get free movie tickets on milestone spending of Rs.1 lakh in a subsequent year The card comes with zero joining fees Annual fees - Rs.199 ICICI Bank Rubyx Credit Card Get shopping and travelling vouchers worth Rs.5000 on payment of joining fee of Rs.3000 Get 2 complimentary visits at golf courses every month & Enjoy complimentary domestic airport lounge access (up to 2 visits per quarter) Earn 2X reward points on all international transactions & Enjoy up to 15% savings on dining bills at over 2500+ partnered restaurants across India HDFC Platinum Times Card Enjoy movie discounts of up to Rs.1800 via Bookmyshow in a year Get fuel surcharge waiver and save up to Rs.1500 in a year Earn 3 reward point and 10 reward points on every spent of Rs.100 on weekdays and weekends, respectively Free Accidental Death Insurance cover of up to Rs.50 Lakhs on minimum 4 transactions per month

Travel Credit Card Credit cards have been an inseparable part in modern day society. One cannot imagine meeting all their expenses without having this small piece of plastic card in their pockets. Why so?, This is because, appearing small in size, the credit cards are packed with lots of benefits, convenience, and lots and lots of rewards. Yes, you read it right, rewards. While swiping your card, funds get debited and rewards are credited to your account, in order to make your shopping experience more enchanting. Cardholders can crave for more reward points while booking travel tickets because Travel credit cards come with additional reward points on travelling expenses. Earned rewards can be redeemed against travel ticket booking, lounge access, special privilege programs, and so on. Travel Credit Cards can be accessed globally, probably, with no additional fee and hidden charges. So, get your travel card today and fly free. Many of times, we compromise our desires to enjoy a club night or to dine at fancy restaurants, but, no more keeping aside your desires just because it's a month-end or you are empty pockets. You can simply redeem the reward points to book club or movie tickets or at partnered restaurants. So, set yourself free and live in the moment. Top Travel Credit Card in India Amex Platinum Travel Credit Card, Citi Premier Miles Credit Card, Axis Bank Miles and More World Card, Jet Airways ICICI Bank Rubyx VISA Credit Card, SBI Air India Signature Card, HDFC Superia Credit Card, Axis Bank Titanium Smart Traveller Credit Card, Yatra SBI Card, American Express Platinum Travel Credit Card.

Top Travel Credit Cards In 2019 Amex Platinum Travel Credit Card Get 5000 reward points as welcome gift redeemable for travel vouchers worth Rs.4000 Earn 8 JPMiles on every spent of Rs.150 on all selected categories except fuel and utility bill payments. Enjoy 4 complimentary visits to airport lounges at selected airports. Enjoy zero lost card liability along with 24*7 platinum assist. Citi Premier Miles Credit Card Earn 10 reward points on every spent of Rs.100 on flight ticket bookings and hotel reservations. Earn 10000 Miles points on minimum spending of Rs.1000 within first 60 days. For every 2 Miles points, earn 1 Frequent Flyer Air Mile and redeem against Cathay Pacific, British Airways, Malaysia Airlines, Thai Airways, Qatar Airways, Etihad Airways, Turkish Airlines, Singapore Airlines, and Air India. Save up to 15% on dining bills across partnered restaurants. Axis Bank Miles and More World Card Earn exciting bonus rewards as welcome privilege on making first transaction. Enjoy 2 complimentary airport lounge access under priority pass program. Earn up to 20 reward points on every spent of Rs.200 on selected categories. Avail minimum discount of 15% on dining bills across partnered restaurants in India. Jet Airways ICICI Bank Rubyx VISA Credit Card Get exclusive welcome vouchers from popular brands like Lenskart, GrabOn, and Spykar. Earn 2500 bonus points every year on card renewal. On making payment of annual fee within 45 days of card issuance, get Jet Airways Complimentary domestic air ticket code. Earn 3 JPMiles, 4 JPMiles, and 6 JPMiles on every spent of Rs.100 on domestic spends, international spends, and Jet Airways official website, respectively. SBI Air India Signature Card Get 20000 bonus reward points as welcome privilege on making payment of joining fee. Earn 4 reward points for every spent of Rs.100 and get up to 1 lakh bonus reward points every year. Get 30 reward points on every Rs.100 spent on Air India tickets. Get complimentary airport lounge access under Priority Pass Programme. HDFC Superia Credit Card Get 1000 reward points as welcome privilege. Save up to 50% on dining bills at participating restaurants across India. Earn 3 reward points on every spent of Rs.150 on selected categories. Get free accidental personal insurance cover worth Rs.50 lakh on making minimum 4 transactions per month. Axis Bank Titanium Smart Traveller Credit Card Enjoy a minimum discount of 15% on dining bills at participating restaurants under Axis Bank Dining Delight program. Get 1% fuel surcharge waiver on all transactions at petrol pumps in India. Convert your purchases of more than Rs.2500 into easy monthly instalments. Redeem accumulated points against various redemption options. Yatra SBI Card Get welcome privilege vouchers worth Rs.8250 by Yatra.com Avail exciting discounts on air ticket bookings via Yatra Earn up to 6 reward points on every spent of Rs.100 on selected categories. Get 2 complimentary visits to domestic airport lounges. American Express Platinum Travel Credit Card Get welcome privilege of 5000 Milestone bonus membership rewards and redeem the points against travel vouchers worth Rs.4000. Earn 7500 bonus rewards on making milestone spending of Rs.1.90 lakh in a subsequent year. Enjoy 4 complimentary airport lounge visits across 29 domestic airports. Unlock exciting discount deals across categories like dining, entertainment, retail, travel, and many more.

Rewards Credit Card How would it be if you earn exciting reward points for every spend? Isn't it sounds great? We all crave for rewards, bonuses, discounts, and lots of privileges and this is what reward credit cards are packed with. So, no more window shopping and no more compromising your desires because reward credit card is here to aid all your finances and can bridge the gap between limited income and infinite expenses. You can earn exciting rewards for every spent and can redeem the points against numerous options from reward redemption catalogue. Not just the cardholders can earn rewards for every spent, but, they can also accelerate the privileges on selected categories of spends. Though, special categories may differ from one card to another, therefore, it is best to go through all card-related details and informations. So, stop compromising and start craving. Top Rewards Credit Cards in India Standard Chartered Platinum Rewards Card, SBI ELITE Credit Card, Standard Chartered Manhattan Credit Card, SBI simply click credit card, Standard Chartered Super Value Titanium Credit Card, SCB Ultimate Credit Card, YES FIRST Preferred Credit Card.

Top Rewards Credit Cards In 2019 Standard Chartered Platinum Rewards Card Earn 5 reward points on every spent of Rs.150 on dining and fuel categories; while 1 reward point on other categories. Enjoy a host of privileges across shopping, dining and travel categories Get 1% fuel surcharge waiver on fuel transactions between Rs.500 and Rs.4000 Annual fee – Rs.250 SBI ELITE Credit Card Grab welcome e-gift vouchers worth Rs.5000 from popular brands like Hush Puppies, Marks & Spencer, Pantaloons, Yatra, and Shoppers Stop. Get 2 free movie tickets every month and save up to Rs.6000 on movies. Get 5X reward points on every spent of Rs.100 on Dining, Departmental stores and Grocery purchases. Earn additional 10000 bonus reward points on milestone spending of Rs.3 lakh and more. Standard Chartered Manhattan Credit Card Enjoy 5% cash back on spending across supermarkets and departmental stores. Earn 3x reward points on every spent of Rs150 on other categories. Get exciting discount offers and privileges at hotel bookings. Avail Rs. 1,000 discount on domestic flight bookings via Yatra.com SBI simply click credit card Get e-voucher worth Rs.500 from Amazon as welcome gift. Earn 10X reward points on online spending with exclusive brand partners like Amazon, Cleartrip, Bookmyshow, Lenskart, UrbanClap, and FoodPanda. Get 1% fuel surcharge waiver per statement cycle for transactions between Rs 500 and Rs 3000. Get annual fee of Rs.499 reversed on milestone spending of Rs.1 lakh Standard Chartered Super Value Titanium Credit Card Earn 1000 welcome reward points on first swipe of the credit card. Earn 1 reward point on every spent of Rs.150 on all categories. Enjoy 5% cash back on fuel spends, utility bills payments, and phone bills. Get renewal fees reversed on making milestone spending of Rs.60000 in a subsequent year. SCB Ultimate Credit Card Earn up to Rs.10000 cash back as welcome bonus on spending at Makemytrip.com (booking should be done within 60 days of card issuance) Earn 5 reward points on every spent of Rs.150 on selected categories. Complimentary airport lounge access (4 Visits per quarter for domestic and 1 visit per quarter for international airport). Get up to 25% off on dining across 250+ partnered restaurants in India. Enjoy 2% foreign currency markup fee on overseas spends. YES FIRST Preferred Credit Card Enjoy 8 reward points on every spent of Rs.100 on selected categories. Complimentary lounges access 4 times a year under Priority Pass program. Earn 20000 reward points on milestone spending of Rs.7.5 lakhs in a subsequent year.

Shopping Credit Card Being a shopaholic is actually a great thing to get relieved of all worries and tensions, but, many of times, being shopaholic itself gives birth to all worries and lack of confidence, especially when you are running out of balance or you are at the month-end. But, a shopping credit card is every shopaholic's best friend, making the most out of their shopping experience. Shopping card can be accessed at over million merchant outlets globally. Moreover, cardholders can earn exciting rewards every time they shop from the partnered brands. So, even if you are running out of cash and desperately wants to buy a new dress for your friend/cousi's wedding or for cracking an interview, no need of losing your confidence and slip into your personality's best side. Apart from shopping, cardholders can enjoy a host of privileges on dining and travel as well. Best Shopping Credit Cards in India ICICI Coral American Express Credit Card, SBI Simply Click, SnapDeal HDFC Card, First Citizen Citibank Titanium Credit Card, Axis Bank Neo Credit Card, Axis Bank My Zone Credit Card, Yes Prosperity Edge Credit card.

Top Shopping Credit Cards In 2019 ICICI Coral American Express Credit Card Joining fee - Rs.500 Enjoy 2.5% fuel surcharge waiver on maximum fuel spending of Rs.4000 at HPCL petrol pumps. Grab best dining, entertainment, travel, and shopping deals across popular brands. Earn 4 PAYBACK rewards points on every spent of Rs. 100 spent on groceries shopping and dining. Enjoy 15% discount on dining bills across partnered restaurants across India. SBI Simply Click Credit Card Earn 10X reward points on online spending with exclusive brand partners like Amazon, Cleartrip, Bookmyshow, Lenskart, UrbanClap, and FoodPanda. Get annual fee of Rs.499 reversed on milestone spending of Rs.1 lakh. Get e-voucher worth Rs.500 from Amazon as welcome gift. Get 1% fuel surcharge waiver per statement cycle for transactions between Rs 500 and Rs 3000. SnapDeal HDFC Card Get 500 reward points as welcome bonus. Earn 2 reward points on every spent of Rs.150 Shop at SnapDeal and earn cash back of Rs.500 Get 2.5% fuel surcharge waiver on minimum spend of Rs.400. First Citizen Citibank Titanium Credit Card Get exclusive shopping vouchers from popular brands as welcome bonus. Earn up to 7 reward points on every spent of Rs.100 on selected brands. Get annual fee waived off on annual spending exceeding Rs.30000 in a subsequent year. Easy and flexible EMI options at over 2000 retail outlets across India. Axis Bank Neo Credit Card Exclusive gift vouchers as welcome bonus on making first transaction within 30 days of credit card Enjoy 15% discount on dining at partnered restaurants across India. Earn exciting reward points on every spent and redeem against wide range of redemption options. Annual and renewal fees - Rs.250. Yes Prosperity Edge Credit card Grab welcome bonus of 1500 points on spending Rs.7500 within 30 days of card issuance. Get 6 reward points on every spent of Rs.100 on your birthday. Earn 3, 4 and 5 reward points on every spent of Rs.100 on retail, online, and international purchases, respectively. Enjoy enhanced security and protection with contactless card usage. Axis Bank My Zone Credit Card Get joining fee of Rs.500 waived off on spending at least Rs.5000 within 45 days of card issuance. Complimentary airport lounge access across domestic and international airports. Earn 4 reward points on every spent of Rs.200 on selected categories. Earn 10X reward points on weekend dining. Enjoy up to 25% cash back on movie tickets via BookMyShow.

Cash Back Credit Card Who else doesn't crave for discounts, rewards, and whopping cash backs? Cash back credit cards are packed with amazing cashback offers against spending across several categories. Credit card reward programs come in so many varieties that it sometimes becomes difficult to choose the best card for all your spending habits. However, while choosing the cash back credit card, it is important to look for the shopping categories you prefer the most, so that you can get the most out of your shopping habits. Basically, with Cash Back Credit Cards , a particular percentage of the amount spent on the card will be returned to you as cash back. Though, cash back rewards may differ on each categories from card to card. Thus, it is best to choose the cash back credit card that comes with relatively high cash back offers.

Top Cashback Credit Cards In 2019 Citibank Cashback Credit card Get 5% cash back on movie tickets, utility bills payments, and so on. Earn 5% cash back on telephone bill payments. Avail exciting discounts across participating restaurants. The cash back in multiplies of Rs.500 will be automatically credited. Standard Chartered Manhattan Platinum Credit Card Earn 3X reward points with every purchase with SC Manhattan Platinum Credit Card. Get up to 25% off on movie ticket bookings at INOX. Earn 5% cash back on purchases across supermarkets and departmental stores. Save up to Rs.8650 annually with the SC credit card. ICICI Bank Platinum Chip Credit Card Earn 2 PAYBACK points on every spent of Rs.100 on retail purchases except fuel. On milestone spending of Rs.50000 in a subsequent year, get annual fee waived off. Get 1% fuel surcharge waiver for fuel purchases at HPCL petrol stations. Save a minimum of 15% on dining bills at participating restaurants across India. HDFC Bank Moneyback Credit Card Get 500 reward points as joining perks. Earn 2 reward points on every spent of Rs.150 on retails purchases and 4 reward points on online purchases. Get joining fee waived off by opening saving or current account with HDFC bank within 3 months of card issuance. On milestone spending of Rs.50000 in a subsequent year, get annual fee waived off. Citi Cashback Card Enjoy dining privileges with minimum 15% off on dining across participating restaurants in India. Get 5% cash back on telephone and utility bill payments. Avail 5% cash back on movie ticket bookings with the card. The accumulated cash back in multiplies of Rs.500 will be automatically credited. YES Prosperity Reward Plus Card Earn 1250 reward points as welcome privilege on spending minimum Rs.5000 within 30 days of card issuance. Earn 3 and 4 reward points on every spent of Rs.100 on domestic and international transactions, respectively. Enjoy accelerated reward points on birthdays. Avail fuel surcharge waiver on fuel transactions between Rs.400 and Rs.5000 Citi Rewards Card Earn up to 1500 bonus points as joining perks on making first purchase within 30 days of card issuance. Earn 10 reward points on every spent of Rs.125 at departmental stores and other selected categories. Avail exciting discount offers on dining across more than 600+ participating restaurants. Get annual fee waived off on milestone spending of Rs.30000 in a subsequent year. HSBC Smart Value Card Grab Cleartrip voucher worth Rs.2000, Amazon voucher worth Rs.250, and Bookmyshow voucher worth Rs.200 as welcome privileges. Earn up to 3 reward points on every spent of Rs.100 on selected categories. Get annual fee waived off on milestone spending of Rs.50000 in a subsequent year. Enjoy 15% discount on dining bills across participating restaurants in India. American Express Payback Credit Card Grab flipkart voucher worth Rs.750 on making at least 3 transactions within 60 days of card issuance. Earn 2 PAYBACK points on every spent of Rs.100 on selected categories. Earn additional flipkart voucher worth Rs.7000 on milestone spending of Rs.2.5 lakh in a subsequent year. Get special discounts on travel, dining, and online shopping. The American Express Membership Rewards Credit Card Get 2000 reward points on minimum spending of Rs.25000 within 90 days of card issuance. Earn 1 membership reward point on every spent of Rs.50 across selected categories. Get annual fee of Rs.1500 waived off on milestone spending of Rs.1.5 lakh in a subsequent year. Earn 1000 additional bonus reward points on making at least 4 transactions of Rs.1000 every month. ICICI Instant Platinum Card Enjoy 15% discount on dining bills across 2600+ participating restaurants under Culinary Treats program. Earn 2 PAYBACK points on every spent of Rs.100 on selected categories. Get Rs.100 off on movie ticket bookings via BookMyShow. Save on fuel expenses with 2.5% fuel surcharge waiver. Citibank Premier Miles Card Earn 10000 Miles points as welcome privilege. Earn 10 Miles for every spent of Rs.100 on flight bookings and hotel reservations Annual fee - Rs.3000 Share the privileges with add-on card for no extra fees. SBI Signature Credit Card Get a shopping voucher worth Rs.5000 as welcome gift. Earn 2 reward points on every spent of Rs.100 across selected categories. Earn additional 10000 bonus points on milestone spending of Rs.3 lakh in a subsequent year. Avail exciting discount offers on movie ticket bookings via BookMyShow.

Fuel Credit Card Well, now or then, we all got admired with the enchanting road trips in movies and shows, but, rising fuel prices bounds to fulfil our admires. Therefore, fuel credit card comes packed with amazing rewards on fuel expenses, so that, you can enjoy long drives without feeling the pinch in your pockets. There are several fuel cards having tie-ups with crude oil companies across the country and are offered by banks as co-branded cards. Cardholders can earn rewards and cash back on fuel expenses. Choosing these cards might make fuel expenses slightly cheaper than usual and you can earn reward points for your long drives truly unforgettable and worth your time. Cardholders can get fuel surcharge waiver on every monthly cycle for pre-specified minimum purchase. Apart from fuel surcharge waiver, cardholders can earn accelerated rewards while shopping acorss partnered brands. Top Fuel Credit Cards in India IndianOil Citibank Platinum Credit Card, RBL Titanium Delight Credit Card, ICICI Bank HPCL Coral American Express Credit Card, Standard Chartered Titanium Credit Card, IndusInd Platinum Aura Credit Card, IndianOil Citibank Titanium Credit Card, ICICI Bank HPCL Coral VISA/MasterCard Credit Card.

Top Fuel Credit Cards In 2019 Indian Oil Citibank Platinum Credit Card Earn 4 turbo points on every spent of Rs.150 on fuel purchase across authorized Indian Oil petrol pumps in India. Earn 2 turbo points on every spent of Rs.150 on other selected categories. Get 2.5% fuel surcharge waiver. Get annual fee of Rs.1000 waived off on spending Rs.30000 in a subsequent year. RBL Titanium Delight Credit Card Get 2000 reward points as welcome gift on 1st swipe within 30 days of card issuance. Grab additional 1000 reward points on spending Rs.10000 within 60 days of card issuance. Earn 1 reward point on every spent of Rs.100 on selected categories. Enjoy exciting fuel surcharge waiver on fuel purchase between Rs.500 and Rs.4000. ICICI Bank HPCL Coral American Express Credit Card Earn 6 PAYBACK points on every spent of Rs.100 at any HPCL fuel station. Save a minimum of 15% on dining bills across 2500+ participating restaurants under ICICI Bank Culinary Treat Programme. Get flat Rs.100 off on movie ticket bookings via BookMyShow (offer is capped twice a month). Get annual fee of Rs.199 waived off on spending Rs.50000 in a subsequent year. Standard Chartered Titanium Credit Card Get 2.5% fuel surcharge waiver on fuel transactions between Rs.400 to Rs.4000. Get up to 5% cash back on telecom and utility bill payments. Get annual fee of Rs.499 waived off on spending Rs.60000 or more in a subsequent year. Earn 1 reward point on every spent of Rs.100 across selected categories. IndusInd Platinum Aura Credit Card Get 4 reward points on every spent of Rs.100 on selected categories. Enjoy exciting fuel surcharge waiver on fuel purchases between Rs. 400 and Rs. 4000. Get complimentary air accident personal cover of up to Rs.25 lakh. Avail exciting offers and discount deals on hotel and flight ticket bookings. Indian Oil Citibank Titanium Credit Card Get 2.5% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4000. Earn 4 turbo points on every spent of Rs.150 on fuel purchase across authorized Indian Oil petrol pumps in India. Earn 2 turbo points on every spent of Rs.150 on other selected categories. Avail flexible EMI options on transactions above Rs.2500. ICICI Bank HPCL Coral VISA/MasterCard Credit Card Earn 2 PAYBACK points on every spent of Rs.100 on retail purchases except fuel. Save a minimum of 15% on dining bills across 800+ participating restaurants under ICICI Bank Culinary Treat Programme. Get flat Rs.100 off on movie ticket bookings via BookMyShow (offer is capped twice a month). Accumulate 2000 PAYBACK points and redeem against fuel purchase of Rs.500

Lifestyle Credit Card Luxury is something that we all crave for, though priorities may vary in different categories. Be it dining at 5-star hotels, having branded wardrobe, or preferring modern interior decor, luxury actually matters a lot in a modern day society. Lifestyle credit cards come with a host of privileges to lead a luxurious life without leaving a hole in your pockets. Lifestyle cards are packed with a lot of rewards and cash back offers. Benefits of Lifestyle Credit Card- Rewards: Who else doesn't love rewards? Everyone does and this is what this credit card is best known for. Cardholders can enjoy amazing deals and discounts across different categories. Dining And Grocery: Cardholders can enjoy additional privileges while shopping and dining at partnered brands. Travel: Apart from rewards and dining & grocery, lifestyle credit card also gives special privileges to the cardholders to manage their travel expenses. Top Lifestyle Credit Cards in India IndusInd Bank Chelsea FC Card, HDFC Bank Diners Club Black Card, Axis Bank Privilege Credit Card, HDFC Solitare Credit Card, ICICI Bank Coral Credit Card, HDFC Platinum Times Credit Card, HSBC Platinum Credit Card.

Top Lifestyle Credit Cards In 2019 IndusInd Bank Chelsea FC Card Get welcome gift for the worth equivalent to joining fees. Earn 1 reward point on every spent of Rs.100 on normal days and earn 4X reward points on special occasions. Get 2.5% fuel surcharge waiver on fuel transactions between Rs.400 and Rs.4000 at any petrol pump across India. Enjoy premium lounge access at major domestic airports under priority pass program. HDFC Bank Diners Club Black Card Get 10000 bonus points as a gesture of welcome privilege on completing joining fee payment. Earn 5 reward points on every spent of Rs.150 on retail purchases and 10x reward points on spending across selected partners. Get annual fee waived off at milestone spending in a subsequent year. Avail exciting offers and discount deals on flight ticket and hotel bookings with HDFC credit card. Axis Bank Privilege Credit Card Get 12500 eDGE points on completion of joining fees and making at least 3 transactions within 60 days of card issuance. Enjoy complimentary airport lounge visits twice per calendar quarter. Save up to 20% on dining bills at over 4000 partnered restaurants across India. Avail fuel surcharge waiver for fuel transactions between Rs.400 and Rs.4000 (maximum benefit is capped to Rs.400 per statement cycle). HDFC Solitaire Credit Card Earn 3 reward points on every spent of Rs.150 on selected categories. Get shopping voucher worth Rs.1000 on milestone spending of Rs.75000 within first 6 months of card issuance. Do minimum 4 transactions every statement cycle and get complimentary personal accidental death insurance cover of upto Rs.50 Lakhs. Earn 50% more reward points on retail and dining transactions. ICICI Bank Coral Credit Card Enjoy up to 2 fee movie tickets worth Rs.250 per statement cycle. Save a minimum of 15% on dining bills at over 2500 participating restaurants across India under Culinary Treats programme. Earn 2X reward points on every spent of Rs.100 at retail and dining transactions. Avail exciting cash back and discount deals on hotel reservation and flight ticket bookings. HDFC Platinum Times Credit Card Earn 3 reward points on every spent of Rs.150 on weekdays and 10 reward points on weekend spendings. Save on fuel expenses with HDFC’s fuel surcharge waiver feature. Get up to 25% off on movie ticket bookings. Enjoy 600+ discount deals on dining at participating restaurants across India. HSBC Platinum Credit Card No joining and annual fees. Avail 10% cash back on transactions done within 90 days of card issuance (maximum benefit capped to Rs.2500). Earn 2 reward points on every spent of Rs.150 on selected categories. Avail movie voucher worth Rs.500 on milestone spending of Rs.50000 in a calendar month.

Credit card statement Earlier keeping a track of your own spendings was a tedious task. But, now things are quite easy and convenient. All thanks to credit card statement that makes it easy to track the spending and get all the information you need to know about where your money is going. Credit card statement is important and necessary tool in order to maintain CC account and keep it going at good pace. The statement also have a due date mentioned, which saves the cardholder from paying any late fees or additional charges. In simple terms, a CC statement is a periodic report of all the debit and credit transaction made within a given period or billing cycle. Thus, it is important to keep a check on credit card statement regularly. The credit card provider company sends the statement to the cardholder's email address and phone number at least 21 days before the due date. This gives enough time to ensure timely payment of outstanding bill and avoid late fee charges. What includes in a credit card billing statement? a. Outstanding amount for a current bill cycle. b. Balance from the previous billing cycle, if any c. Minimum due amount. d. Payment due date. e. Late fee charges. f. A summary of debit and credit transactions. g. Interest rate or interest charged, if any h. Rewards earned or redeemed.