From choosing the perfect credit card to maintaining a low balance and paying bills on time, making smart decisions is essential for maximising your credit card potential. Optimise your credit card experience with IndusInd Bank and unlock endless benefits!

Credit cards are valuable tools for managing money and establishing a favourable credit history. They offer the convenience of making purchases without carrying large amounts of cash. Moreover, credit cards come with special offers and rewards, enabling savings and granting access to additional perks. But, with power comes responsibility. Using your credit card wisely can open up many opportunities and give you financial benefits. However, if you misuse it, you can end up in a never-ending cycle of debt.

So, how can you make the best use of your credit card? Let us explore some strategies to help you make the most of your credit cardwhile avoiding the mistakes that can lead to problems.

Choose a Suitable Card

Assess your spending patterns and desired benefits to find your ideal credit card. Compare various cards and their features. Also review the terms, fees, due dates, and benefit limitations. Ensure you can afford the annual fee and consider the APRs and welcome bonuses.

Stay Below Your Credit Limit

If you use all the available credit on your cards, your credit score could suffer, and lenders might see you as a risky borrower. It is advisable to use no more than 30% of the available credit on your card. This way, you can avoid credit card debt and maintain a healthy credit score.

Pay Credit Card Bills Promptly

If you do not pay your credit card bills on time, you will be charged high-interest rates and will have to pay more. It also hurts your credit score if you default on bills. Pay your bills promptly to avoid extra charges and protect your credit score.

Avoid Making Only the Minimum Payment

Paying merely your credit card’s “minimum due” amount won’t clear your debt, and interest fees will keep piling up. Pay your bill in full by or before the due date to avoid those fees and have more credit available.

Make Use of Reward Programmes

Most issuers provide a variety of incentives and benefits through their loyalty programmes when you apply for a credit card. These can include retail discounts, free movie tickets, or flight rewards. Check your credit card issuer’s reward programme and stay updated on the available benefits to take advantage of them.

Avail A Loan If Required

Your credit card enables you to borrow money up to your credit card limit without putting up any security or collateral. Your spending habits, transaction history, and payment record determine the amount. So, if you need the funds, utilise your credit card to obtain a loan.

Limit The Number of Cards You Carry

Limiting the number of cards you carry helps you control your spending, stay organised, and in better control of your finances. Besides, it helps you avoid impulsive purchases.

What Makes IndusInd Bank’s Credit Card the Optimal Choice?

IndusInd Bank credit cards come with tailored benefits and rewards that suit your lifestyle. Whether you are a frequent flyer, a big shopper, or a movie buff, there’s a credit card just for you. The reward points you earn – everytime you swipe! – on your IndusInd Bank card never expire, so you may redeem them as you like or exchange them for cash to pay your outstanding credit card dues.

At IndusInd Bank, we prioritise your security. We deploy cutting-edge encryption technology and robust fraud protection measures, providing you with the highest level of safety when conducting transactions. Our dedication to customer service is unmatched, with professional representatives ready to assist you anytime of the day.

If you need a credit card apply online with IndusInd Bank to achieve your financial goals while enjoying exclusive perks every step of the way.

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.

A personal loan for a wedding comes with attractive interest rates, flexible repayment tenure, and no end-usage restrictions, allowing for improved financial management in the long run. Unlock a multitude of benefits by applying for a personal loan with IndusInd Bank today!

A momentous milestone in an individual’s life, a marriage is accompanied by joyous celebrations. However, the financial implications of planning a grand wedding can often cause worry. From finding the perfect venue to selecting an exquisite wedding dress and arranging catering and décor, expenses can quickly add up. This can leave couples and their families searching for viable funding options. In these situations, obtaining a personal loan can be a suitable solution to pay for wedding expenses.

A personal loan for marriage can be easily availed through a simple online process with new age lenders like IndusInd Bank, enabling couples to spend freely for their special day without depleting their savings or liquidating their investments.

Why Should You Consider Obtaining a Personal Loan for Your Wedding Expenses?

Read on to discover five good reasons to take out a personal loan for marriage:

1. Convenient Application Process

Applying for a  online is a hassle-free experience. You must visit the bank’s website, review the eligibility criteria, complete the online application process and await approval.

2. Swift Disbursement of Funds

Personal loans ensure that you have prompt access to funds with their quick processing. You can expect the loan amount to be deposited into your account soon after submitting your loan application.

3. No End-Usage Restriction

Unlike home or car loans, personal loans are not limited to a specific purpose. You can utilise the loan for a vast array of wedding-related expenses, such as venue booking, catering, shopping, or house renovation.

4. Flexible Repayment Options

With personal loans, you can choose a repayment tenure that suits your financial capacity. The loan repayment tenures typically range from 1 to 4 years, allowing you to choose one that suits your repayment abilities and budget.

5. No Collateral Required

You don’t need to provide the lender with any assets as collateral to obtain a personal loan. Additionally, you won’t require a guarantor to secure the loan. This makes obtaining a personal loan easier compared to other types of loans.

Fund Your Wedding Through IndusInd Bank Personal Loan

Weddings can be an expensive affair, and IndusInd Bank understands this. With easy documentation and attractive interest rates, a personal loan from IndusInd Bank can help you cover all your wedding-related expenses. Here are some compelling features and benefits of an IndusInd Bank personal loan:

• A simple four-step online application process with instant disbursal
• A flexible loan tenure ranging from 1 to 4 years
• Loan amounts range from Rs. 30,000 to 5 lacs, with a low processing fee
• Highly competitive interest rates, ensuring an affordableloan for marriage
• Best-in-class features and no requirement of collateral

How To Apply for an IndusInd Bank Personal Loan?

Follow these four simple steps to apply for an IndusInd Bank personal loan:

Step 1: Visit IndusInd Bank’s personal loan webpage and click the “Apply Now” button. Enter a few basic details, such as your PAN card number, mobile number, email ID, and pin code, to get started.

Step 2: Verify your address details

Step 3: Check out your Personal Loan offer and complete your video KYC

Step 4: Provide your bank account details for disbursement

Secure your dream wedding with a personal loan from IndusInd Bank tailored for your happily ever after!

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.

The Government of India introduced the FASTag system to reduce long queues and congestion on national highways. You can buy FASTag onlineto facilitate automatic payments at toll booths.

FASTag was created to enhance the transparency and efficiency of toll transactions by reducing cash transactions and wait times at toll plazas. Latest statistics from the Ministry of Road Transport & Highways’ show that revenue collected through FASTag, including State highway toll plazas, grew by 46% to 50,855 crores in 2022 from 34,778 crores in 2021, indicating its widespread use throughout the country. In India, FASTag is mandatory for all four-wheeled vehicles, particularly those travelling on highways with toll plazas.

What is FASTag?

FASTag is an electronic toll collection system operated and managed by the National Highways Authority of India (NHAI). The system uses Radio Frequency Identification (RFID) technology to automatically deduct toll payments as your vehicle moves through the toll plaza on highways.

How does FASTag work?

The FASTag is attached to your vehicle’s windscreen and linked to a prepaid wallet that you may connect to your savings or current account. As your vehicle moves along a toll plaza on highways, the toll amount is automatically deducted from your prepaid FASTag wallet, allowing for a completely cashless transaction. This eliminates the need to halt during your journey to make a toll payment in cash. The toll plaza captures information from the FASTag as the vehicle passes through, ensuring a smooth, streamlined process.

What are the benefits of FASTag?

The key benefits of FASTag are listed below:

How To Get Fastag In 6 Easy Steps?

Here is how you can get FASTag online:

1. Go to the website of a certified issuing bank or payment wallet to obtain a FASTag.
2. Choose the option to apply for a new FASTag and select the type of vehicle you own.
3. Provide the necessary details about yourself and your vehicle, including your name, address, registration number, and ID proof.
4. Upload scanned copies of your ID proof and vehicle registration certificate.
5. Pay the applicable fees using a digital payment method such as net banking, UPI, or a debit card.
6. As soon as the payment is approved, the FASTag will be delivered to your registered address. You may then activate it and connect it to your prepaid account for toll payments.

Apply for FASTag with IndusInd Bank

Applying for FASTag with IndusInd Bank is a smart move for anyone looking to streamline their daily commute. IndusInd Bank offers a hassle-free online application process, with the added benefit of doorstep delivery of FASTag. With its advanced technology, IndusInd Bank’s FASTag ensures hassle-free toll payments, making sure you save time and avoid the inconvenience of stopping at toll plazas. Additionally, the bank sends SMS alerts for toll charge payments and low balances. IndusInd Bank’s customer-centric approach and outstanding customer service make it a trustworthy and dependable option to buy FASTag online.

So, why wait? Apply for FASTag with IndusInd Bank today and experience a seamless, stress-free journey along highways!

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.