Cards
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HDFC Bank Smartbuy & Diners 10x Partner Update
HDFC Bank has renewed the Smartbuy offer for another month till 30 Sep 2019. In addition there are a few changes to the 10x Partners as well. For those of you viewing this for the first time, HDFC Bank Diners club offers the best reward rate of 33% Cashback in India and perhaps across the globe. For those lucky enough to hold the Diners Club credit card, you can earn an incredible INR 40,000 in Cashback per month. Changes to 10x Partners The removal of PayZapp has become a major disappointment. Since the previous overhaul of the 10x partners, PayZapp was the only ray of hope for those looking to…
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Credit Card Review – HDFC Bank Diners ClubMiles
Introduction The HDFC Bank Diners ClubMiles is an often ignored credit card overshadowed by its big brother (HDFC Diners Black) which offers some impressive benefits for travellers. ClubMiles is one of the best credit cards for beginner travellers and when combined with the 10x reward program can create some incredible travel redemptions. Eligibility/Fees Net monthly Income of INR 30,000 per month Age – 21 Years to 60/65 for Salaried / Self-Employed Annual Fee – INR 1,000 + Taxes (Renewal fee is also same) Renewal Fee waived on spends of INR 100,000 in the last 12 months Welcome benefit of 1,000 points on payment of Annual / Renewal Fees As you…
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HDFC Diners 10x rewards (33% Cashback) extended till 31 Dec 2019
HDFC Bank has updated its 10x rewards program and extended the same till 31 December 2019. This is a welcome change compared to the monthly extensions we have been seeing for the past few months. The Diners Black 10x partner program is one of the best credit card offers in the country offering an impressive 33% reward ratio. Changes to 10x partners There has been a complete overhaul in the 10x partners. Here are the major changes Partners Removed Uber Big Basket Furlenco Treebo Tata Cliq This is a complete overhaul as 5 of the original partners have been shelved. The biggest changes in our opinion are removal of Uber…
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Deal Alert – Save 75% on Netflix using HDFC Bank Credit Cards
Introduction HDFC Bank is running an incredible promotion where the first 3 months of your Netflix subscription are effectively free. The money will be posted as a cash back credit in your statement and not as reward points which is fantastic. Deal Details Offer can be availed anytime between 1st August 2019 to 31st October 2019 Max Cash back capped at INR 499 per month for upto 3 months Cash back posted 90 days post month of registration (You need to be live for minimum 4 months hence) Eligible Credit Cards Infinia Regalia / Business Regalia Regalia First / Business Regalia First Jet Airways Co Branded Cards (including Diners) Diners…
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HDFC Bank Diners 10x partner rewards extended
HDFC Bank has just renewed their 10x partner award program till 31 July 2019 (only for 2 weeks). In terms of award partners, there has been a reduction with MakeMyTrip and SOTC being removed. Uber, Swiggy, Big Basket, Tata Cliq, Furlenco, BookMyShow and Treebo are still a part of the program till 31 July 2019. The communication from HDFC is slightly confusing as they seem to be justifying 10x reward partner extension in July on the basis of popular demand. HDFC has been aggressively marketing Diners Black over the past few months and a lot of new users must be really unhappy. Traffic count on their site must have gone up…
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Earn upto 7% on your house rent in India
Paying House Rent is one of the top expenses for most people working in metro cities in India. Until recently, you had to rely on cash/cheque/bank transfers to make your rent payments. Some new vendors have opened up in this space allowing you to pay your house rent using credit cards and earn upto 7% back in terms of rewards. The Benefits Before we go into more details, let us look at some of the benefits of paying your rent via credit card Stating the obvious but credit cards allow you to earn reward points on your spends which is an alternate form of cash back itself You earn a…
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Citi Prestige – The best credit card for Airline Miles and International Spends in India
Introduction The Citi Prestige Credit Card is Citibank’s Super Premium Credit Card offering in India. If you are a travel buff who loves collecting flexible points and converting them into Airline/Hotel points then you have come to the right place. Eligibility & Fees Annual Income of INR 2,500,000 (25 lacs) Age 21 or older Annual Fees of INR 20,000 + taxes (18%) = INR 23,600 While the annual fees look steep, the card has multiple benefits on offer which make this a very attractive proposition. Unlike some other super premium credit card offerings in the market like American Express Platinum Charge card, these benefits are not one time (Hope they…
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HDFC Bank Diners Club 10x Partner Update
HDFC Bank had given us all a devaluation scare in the first week of June and had then suddenly amended some of the changes making life a bit more easier for us. It seems they are constantly tinkering with their model. While most of us expect changes to be announced near the deadline (like 30 June 2019) for each promotion cycle, they seem to have silently amended their 10x partner list this time. The first week of June was a devaluation in reward earning rate of 40% (From INR 25,000 on smartbuy to 15,000). Of the two major promotions viz. 10x & Smartbuy, most of us would be earning a…
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HDFC Bank 10x Smartbuy Update
HDFC Bank Smartbuy has been renewed today for a period of 1 month till 30 June 2019. While this is welcome news for all Diners Club & Infinia credit card holders (33% Cashback anyone?), there has been a major devaluation impacting all of us. The earlier limit on Diners Black & Infinia was 25,000 Reward Points per calendar month which has now been devalued to 5,000 for Diners Black (80% devaluation in terms of maximum earning capacity) and 15,000 for Infinia (40% devaluation). While this was expected, the timing does seem a bit surprising with Diners Black being heavily advertised for 10x rewards and smartbuy in our alumni circles. Anyway,…
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Debit Cards with no foreign currency transaction fees for Indians
As a frequent traveller based in India, I have often tried to minimise expenditure towards foreign currency transactions fees. The Airports at India are probably the worst place to buy foreign currency with markups in the range of anywhere from 5% to 50% depending on currency. Most Credit and Debit Cards charge anywhere between 2% to 3.5% + Tax. A more cheaper option is to buy foreign currency cash from an authorised dealer who would generally charge a markup of around 1%. The cheapest option is to buy a forex card from online agencies like www.bookmyforex.com which have an almost NIL markup for most major currencies. However, it still involves…
