All posts by ANAND BHIDE

With over a decade of experience in corporate life, Ayushi Negi had scores of brands under her belt. She had recently been promoted to the head of brands in her company, and she had been asked to set up her office in Delhi, Mumbai, and Hyderabad, with frequent event meetings in Milan being part of the promotion.

Additionally, she was going to train a team of twenty professionals in India and Italy. She had decided to travel more and see the touristy spots while on a business trip after completing her work formalities. With her innate wanderlust, she was looking forward to all the travel that her new role would necessitate but was unsure about how to make the most of it.

She had been using one credit card for all her spending and didn’t know she was losing out on all the perks and benefits by choosing the right credit card, as per her new needs. The one she currently uses does not provide sufficient rewards and charges a substantial annual fee.

It is an old credit card, she would face problems with seamless transactions when abroad. Days away from donning her role, she did not want to lose any time and wanted to get her hands on the best credit card there was. If you are in the same boat as Ayushi, then read on to know what to consider making the most of your travel plans and how to apply for a credit card for your needs online –

Checkout and make most of the travel plans using travel credit cards

Earn points every time you swipe your credit card:

When you make big life changes, it makes sense to get rewarded for them. But how can you go about it? Through the accelerated rewards point system available on our Legend credit card, Ayushi could earn 1 reward point for every INR 100 spent on weekdays and 2 reward points for every INR 100 spent on weekends. She can also convert the collected reward points to cash to pay for outstanding bills at her convenience.

Lounge access:

Sure, it’s exciting to know you – just like Ayushi – will get to travel frequently, but standing in queues for long hours at the airport does not paint a pretty picture. At IndusInd Bank, we provide various fantastic travel offers on our tailored credit cards to appeal to the discerning globetrotter in you. With us you can enjoy complimentary lounge access to 600+ airports using our priority pass.

Necessary coverage:

Travel isn’t always a bed of roses – there could be delays, lengthy layovers, missed connection flights, or more. But with IndusInd Bank by your side, you could travel hassle-free. With our Travel Plus program, you could enjoy special waivers on the usage of lounges outside of India. Plus, you can stay unperturbed with a complete travel insurance program when you travel. With us, you are protected against lost baggage, loss of passport, delayed baggage, missed connection and lost ticket.

Travel to unwind:

With the pandemic behind us, it’s time for the frequent traveler to make the most of their travel plans. It’s time to watch movies just as they were intended to – in a theatre. You’d be remiss not to explore the local iconic theatres while traveling. IndusInd Bank’s Legend Credit Card lets you avail or buy one get one free movie ticket booked on bookmyshow.com. The more you use your credit card, the more reward points you earn, which helps you avail yourself of several perks and benefits. Apply for the best travel credit card online on our website and get instant approval. Credit cards are a boon for all travelers as they help carry out all transactions without worrying about carrying cash or foreign currency while traveling. If you are a traveler by profession or travel frequently for business or pleasure, you would do well using a tailored credit card by IndusInd Bank during your travels.

Disclaimer: The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information.

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Manage your Finance

Treat yourself and your family with our best festive deals on credit cards

October 12, 2022 ANAND BHIDE Leave a comment

Credit cards have become a necessity in India nowadays. Considering the bundle of perks and utilities they come packed with, credit cards have become the norm and the safest form of digital payment that opens access to instant funds for all kinds of purchases, and also helps consumers build their credit score history over the time.

It’s also easy to apply for a credit card online and get instant approval via a paperless process with IndusInd Bank. We not only provide seamless banking processes, but our wide array of credit cards offers access to distinguished perks, exclusive memberships, and attractive deals and rewards on travel, dining, entertainment, shopping, and much more.

Whether you are a frequent traveler, simply trying to build your credit score, or even just want to create an automated bill payment system for monthly invoices, IndusInd Bank has a range of credit cards suited to all kinds of lifestyles. If you are considering applying for a new credit card, you should check out the offers from our stack of credit cards to see how you can treat yourself and your loved one with our best festive ‘limited’ time festive offers!

Here are some the ways to enjoy the festivals

1. Various perks and privileges

IndusInd Bank’s credit cards are designed to meet the needs of the new-age customer who is looking to get the maximum value on their spending with tempting deals, rewards, and cashbacks. Whatever your lifestyle spending habits may be, IndusInd Bank has a credit card tailored to your specific needs. Whether you are looking for accelerated rewards that don’t expire, discounted foreign currency markup, travel insurance, exclusive access to airport lounges, or various discount offers on online shopping and dining, IndusInd Bank’s credit cards offer flexibility to suit a myriad of needs. Not to mention various value-added benefits, such as a fuel surcharge waiver, an option to convert your reward points to cash to pay for outstanding bills, and much more.

2. Easy Apply and Instant Approval

If you are worried about hefty paperwork for submitting a credit card application to avail of the limited-time offer, then don’t be. With IndusInd Bank’s easy credit card offering, you can apply for a credit card online and get approval instantly through a 100% online application process. All you have to do is, log onto our website, hit the ‘Apply Now’ button on the home page, enter your basic details, finish your V-KYC, select your card, and you are done! You will get your card delivered in 24-48 hours from the date of your application.

3. No joining or annual fee on lifetime free cards

Don’t let yourself worry about shelling out extra money towards an annual credit card fee or a hefty joining fee. With the festive season upon us, there is a limited-time offer on select IndusInd Bank credit cards that come with a ‘0’ annual fee and a ‘0’ joining fee – helping you save more! So, do a quick comparison of various credit card options and pick the one which matches your needs, and start swiping. Apply for an instant credit card with a lifetime free offer with IndusInd Bank today.

4. High on rewards

You don’t have to spend your productive time counting rewards or keeping a track of the reward expiration date because, with IndusInd Bank, you can get rid of all such hassles. With us, your reward points don’t have an expiration date and you can redeem them for cash at your convenience and pay an outstanding bill! Not only this, but you also get to accumulate accelerated reward points on all your weekend spends, up to 4X reward points on specific merchant categories, and more. So, with IndusInd Bank, the more you swipe or tap, the more you save and earn!

Final thoughts

IndusInd Bank offers all its credit cards on simple terms and conditions. You can apply for the credit card of your choice in 3 easy steps online where you need basic things to be eligible – 21 years of age and INR 20,000 as the minimum monthly income. Based on your CIBIL score and profile, the bank offers the best offer available in terms of credit limits so that you can start saving today! So, look no further and apply today.

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Manage your Finance

Festival offers on Platinum Visa Credit Card by IndusInd Bank

October 11, 2022 ANAND BHIDE Leave a comment

There is no denying the fact that cashless transactions have gained momentum and with credit cards offering a myriad of perks and offers, it’s difficult to stay away from them. We end up using them as the preferred payment mode, considering the contactless payment benefit, good interest rates, interest-free grace period, and ease of use – no matter where you are.

Most credit cards come with plenty of offerings that maximize your savings by providing deals, offers, rewards, and cashbacks. Here, at IndusInd Bank, we give you access to various lifestyle benefits which go together with convenience and exclusive membership. Although there are plenty of benefits and added value when it comes to using your credit card, you can only get the maximum out of it when you choose the correct one. Consider the case of Ravi Juneja, a leading jewelry designer and gemstone jewelry store owner from Jaipur.

Ravi’s needs were rapidly evolving considering the surge in technology and the massive reach his product was getting because of social media. His sales increased 400% in the last 3 years, making it imperative for him to stay in touch with his current business network and expand further to stay relevant with ever-evolving competitors as well. Earlier, Ravi was dependent upon just one credit card which he used for ‘one size fits all’ purposes. Nevertheless, when his new contact found this out at a business dinner, he advised him to check out IndusInd Bank’s Platinum Visa Credit Card. Here’s how Ravi will be able to get the maximum out of his spending when he applies for the Platinum Visa Credit Card online.

Benefits & Features: Platinum Visa Credit Card

With a contactless feature and design that enables seamless, fast, and secure purchases, the IndusInd Bank’s Platinum Visa Credit Card is great for those who travel more and want to experience all things luxury in life.

Travel Needs:

Ravi will be traveling more often now with various gemstone events globally, regularly. Rajasthan, being the hub of gemstones in India, would require more on-road travel by Ravi. With a special offer of a fuel surcharge waiver on this card, Ravi could save a significant amount of money every time he swipes or taps his card at any petrol station across India.

Rewards Program:

Ravi will be dining out more, traveling more, and meeting more people for networking purposes. He might even hire more people to expand his strategic side of the business which would increase his workload. So, it makes sense to partner with a credit card that can help Ravi earn accelerated rewards which he can redeem for cash later on. With Platinum Visa Credit Card, he can earn 1.5 reward points for every INR 150 spent.

No Joining Fee:

Ravi’s timing couldn’t be better. With the festive season just around the corner, he would be able to apply for a credit card online as per his changing needs. Ravi wouldn’t have to worry about paying any joining or annual fee on his new lifestyle credit card as IndusInd Bank is currently offering a festive offer of ‘0’ joining and ‘0’ annual fee which is up for grabs. IndusInd Bank has a range of instant credit cards which come bundled with such festive offers without the baggage of annual recurring or joining fees.

So, what are you waiting for? Apply for an instant lifetime free credit card with IndusInd Bank today and get instant approval.

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Personal Loan

How to reduce personal loan EMI burden

October 10, 2022 ANAND BHIDE Leave a comment

We live in times of unprecedented inflation, pandemic, etc. which makes it difficult to save. We see prices of daily necessities go up every week which forces us to spend more on our day-to-day expenses. Education, LPG, fees, etc. are no longer available at the prices they were a few years ago. But there are times when you require funds immediately to cover an unexpected expense. It could be for several reasons – a down payment on a home loan, wedding expenses, medical bills, etc. To cover such expenses, you have the option of availing of an instant personal loan. To be financially responsible and to ensure you don’t accumulate late fee charges, you need to make regular monthly payments to pay off the loan. However, without proper planning, it can be stressful to take care of liability and you may end up tweaking your finances to pay it back. Fortunately, there are ways to reduce the personal loan EMI burden.

Find Low-Interest Rate:

Your loan interest rate is one of the main differentiators that can help you bring down your EMI. When you choose a low-interest rate for a personal loan with IndusInd Bank, you have the option to reduce your EMI further in the long run. Check the interest rates which are as low as 10.49% here.

Maximum Tenure:

This is one of the best and most popular ways to reduce your EMIs. There is no need to burden yourself with a monthly amount that goes beyond your financial repayment capacity. So, it makes sense to apply for a personalloan online with the tenure that gives you a comfortable EMI option. You have the option to choose a tenure from 12 months to 5 years and you can easily calculate your EMI using a Personal Loan EMI calculator. However, do note in mind that a longer tenure will result in a high-interest payment.

Consolidate Loans:

If you have multiple loans in your name and you are paying various EMIs at different schedules, then it will be difficult for you to manage them all. Such a situation can sometimes warrant a missed payment which can eventually result in you accumulating a low credit score. You can take a personal loan to consolidate all your loans and get one EMI at affordable interest rates to make EMI management easier.

Prioritise Your Payments:

If you have a personal or a home loan simultaneously, then you need to prioritise paying the one with a higher interest rate to gradually bring down your EMI. Your best intentions to pay off all your loans will not get you far if you don’t know how much you need to pay towards which loan. To effectively manage everything, you need to list down your debts and see how much you are paying towards the interest component in your home loan and when you start paying towards your principal amount. You can always avail of tax benefits from a home loan and pay that extra amount towards credit cards to bring your monthly payments to the low side.

Find out how much you can pay when you take a personal loan when you consolidate your debts or when you are looking for a low monthly payment amount.

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Personal Loan

Personal Loans: A backup for your emergency needs

October 6, 2022 ANAND BHIDE Leave a comment

It ever so happens; life throws us off our feet, and the next thing we know is that we’re left with a home repair situation, a medical urgency, an unexpected rise in school fees, or more. These are some of the things that need your immediate attention.

If you have a home, you need to bear the repair expenses. Depending on the situation, the nature of the emergency can exhaust your savings. There are two popular ways in which you can dip to cover the unexpected expense – an emergency fund or apersonal loan. Which option you choose will largely depend upon how much you need exactly as instant cash without taking on additional stress. With the right bank, an online personal loan can provide the much-needed cushion to deal with a crisis. So, how does it help?

Unsecured Loan:

Applying for an instant personal loan can increase your purchasing power as you don’t have to put up any collateral for it. This is a major advantage as you can get cash instantly, and it is helpful when you need to make a payment the next day. You can have cash at your disposal without worrying about arranging for collateral.

Medical Emergency:

All of us realised the importance of health during the ongoing pandemic. While many of us had the necessary health coverage, a lot didn’t, and there were many whose health cover maxed out, and they had to run pillar to post to secure additional funding to save a loved one. Be that as it may, in the face of an urgent medical emergency, the best solution is to secure a personal loan for medical expenses online with a low-interest rate. You can find affordable interest rates for a personal loan here. You can repay your loan in easy installments as per your choice of tenure so that you can focus on things that need your attention the most.

Overshooting a Budget:

Most of us plan for a wedding well in advance. It makes sense to have a budget in mind and not spend excessively. However, during the festivities, there may be situations where you have to invite more guests or change the menu or décor or even book a few additional rooms. If you are cash-strapped and need immediate funds without worrying about collateral, then availing of a personal loan is your next best choice.

Speed:

Whenever you have an unforeseen situation, you may have to pay for it right away. Depending on the bank, you can apply for a personal loan online after assessing your eligibility criteria. You can also assess your EMIs by using a personal loan calculator. Once your application is processed online, you can get funds instantly in a matter of a day or two.

Affordability:

When you compare taking personal loans for emergencies to that of borrowing from a friend or family, or even a loan shark, you will find that they carry a lower interest rate. With a bank, there is instant support, transparency, and a sense of relief that you will get funds on time.

In a perfect world, we’d have control and power over everything. However, life is all about constant changes. A perfect life is just a call away from a new accident or an unfortunate medical diagnosis, etc. So, it is a wise decision to know about all the options you can avail without worrying yourself excessively.

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Checkout and make most of the travel plans using travel credit cards

Earn points every time you swipe your credit card:

Lounge access:

Necessary coverage:

Travel to unwind:

Here are some the ways to enjoy the festivals

1. Various perks and privileges

2. Easy Apply and Instant Approval

3. No joining or annual fee on lifetime free cards

4. High on rewards

Final thoughts

Benefits & Features: Platinum Visa Credit Card

Travel Needs:

Rewards Program:

No Joining Fee:

Find Low-Interest Rate:

Maximum Tenure:

Consolidate Loans:

Prioritise Your Payments:

Unsecured Loan:

Medical Emergency:

Overshooting a Budget:

Speed:

Affordability: