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All posts by Vinayak

Credit Card

A Step-by-Step Guide To Navigate the IndusInd Bank Credit Card Application Process

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IndusInd Bank offers a wide range of credit cards to meet all your needs and lifestyle preferences. Whether you’re looking for rewards, cash back, travel, lifestyle, entertainment or dining benefits, you’ll find the credit card that’s right for you. 

 
In this blog, we will give answers to all your doubts and help you understand the process of applying for IndusInd Bank credit card online and get instant approval. 

 
But first you need to remember these 3 things: 

 
1. Check your eligibility 

Before applying for an IndusInd Bank credit card, you must first check whether you meet the eligibility criteria or not. 

The main conditions you must meet are: 

  • You must be an Indian citizen 
  • You must be at least 18 years old not more than 75 years old 
  • You must be a salaried employee or self-employed 
  • Your net income must be at least ₹20,000 per month  
  • You must maintain a good credit score 

2. Choose your credit card 

The next thing to remember is to choose the credit card that best suits your lifestyle and spending habits. 

You can choose from a variety of IndusInd Bank credit cards such as: 

IndusInd Bank Tiger Credit Card 

This credit card lets you earn up to 6 accelerated rewards per ₹100 spent. Plus, you get comprehensive benefits across travel, entertainment, shopping and more. 

IndusInd Bank Avios Visa Infinite Credit Card 

If you like to fly high, this credit card is perfect for you. You can choose your own airline loyalty program and earn up to 5x Avios for every ₹200 spent. 

IndusInd Bank EazyDiner Credit Card: 

This card is great for those who like to eat out and take advantage of great deals. 

You can get a guaranteed 25% discount, up to 50% off, on your dining bill at over 2,000+ premium restaurants and bars. 

IndusInd Bank Nexxt Credit Card: 

This is India’s first interactive credit card that gives you maximum flexibility in payment options to pay at any store at the click of a button. You can choose between credit, EMI or reward points. 
 

IndusInd Bank Legend Credit Card: 

This credit card is ideal for people who like to go out on the weekends. You get double reward points for your weekend spending. 

IndusInd Bank Visa Platinum Credit Card: 

This card gives you a range of travel, shopping and dining benefits to suit your lifestyle preferences with contactless payment at select retail stores. 

IndusInd Bank Platinum Aura Edge Credit Card: 

This card gives you maximum flexibility to earn rewards that fit your lifestyle. 

Choose from 4 reward plans personalized for you and earn up to 8x bonus points in selected merchant categories. 

IndusInd Bank Club Vistara Explorer Credit Card: 

This co-branded credit card is designed for the traveller in you. Enjoy exclusive lounge access and business class ticket vouchers based on your spending milestones. 

 
3. Apply online and get instant approval 

You can apply for credit card online from IndusInd Bank in four simple steps: 

Step 1: 

Enter your mobile number and PAN 

 
Step 2: 

Submit your address 

 
Step 3: 

Select the desired credit card 

 
Step 4: 

Complete your Video KYC  

 
Additionally, you do not need to submit any physical documents. All you need is: 

  • Aadhaar and PAN details 
  • Residence proof if the address mentioned in Aadhaar is different from your current address 

Conclusion 

When you get a credit card from IndusInd Bank, you can enjoy various benefits and perks. Like some of the credit cards are lifetime free, which means you have to pay ZERO joining or annual fee. You can also grab exciting deals & benefits on dining, travel, shopping, entertainment and more. So, wait no more! Get your hands on an IndusInd Bank Credit Card now. 

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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Personal Loan

Personal Loans for Travel: Financing Your Wanderlust Responsibly

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Are you one of those who dreams of exploring exotic destinations, experiencing different cultures, and creating lasting memories through travel? If so, you’re not alone. Traveling is a universal passion that enriches our lives in numerous ways. However, being a wanderlust can sometimes exceed our financial means. That’s where a personal loan for travel comes into play, offering a responsible way to finance your travel adventures. 

In this comprehensive guide, we’ll delve into the world of personal loans for travel, exploring how they work, the benefits they offer, and how to use them responsibly to satisfy your wanderlust without compromising financial health. 

Understanding Personal Loans for Travel  

Personal loans for travel are unsecured loans specifically designed to cover the costs of your travel plans. Unlike secured loans that require collateral, a personal loan for travel is typically based on your creditworthiness and income. 

How Do They Work? 

When you apply for a personal loan for travel, you receive a lump sum of money from a lender. You can use this money to pay for airfare, accommodations, activities, and any other travel-related expenses. The loan is repaid in fixed monthly installments over a predetermined period, depending on the loan terms. 

Benefits of Personal Loan for Travel 

1. Flexible Financing: A personal loan for travel offers flexibility in terms of loan amounts and repayment periods, allowing you to tailor the loan to your specific travel needs. 

2. No Collateral Required: As an unsecured loan, a personal loan for travel doesn’t require you to pledge assets as collateral, reducing the risk to your personal property. 

3. Predictable Payments: Fixed monthly installments make budgeting for your trip easier, as you’ll know exactly how much you need to repay each month. 

4. Quick Access to Funds: Leading lenders like IndusInd Bank offer instant approval and quick disbursal, so you can secure your travel plans without delay. 

Responsible Use of Personal Travel Loans 

While personal loans for travel offer an enticing way to fund your adventures, it’s crucial to use them responsibly to avoid financial strain. Follow these tips for responsible use of a personal loan. 

1. Determine Your Budget: Before applying for a personal loan, create a detailed travel budget. Account for all expenses, including flights, accommodation, meals, activities, and a buffer for unexpected costs. 

2. Borrow Only What You Need: It can be tempting to borrow more than necessary, but remember that you’ll need to repay the loan with interest. Stick only to the amount that covers your travel expenses. 

3. Compare Lenders: Research for the best loan terms, including interest rate and any associated fees. Look for a reputable lender with transparent terms and no hidden costs. 

4. Check Your Credit: Lenders will assess your creditworthiness before approving your loan. Review your credit report and address any issues before applying to improve your chances of approval and secure better terms. 

5. Create a Repayment Plan: Develop a clear plan for repaying the loan. Factor the monthly installments into your post-travel budget to ensure you can comfortably manage your financial obligations. 

6. Avoid Impulse Spending: Having access to a lump sum of money can lead to impulse spending. Resist the temptation to splurge to avoid unnecessary financial strain. 

Conclusion 

A personal loan for travel provides a responsible way to finance your wanderlust and embark on unforgettable journeys. However, it’s essential to approach them with careful consideration and a clear plan to ensure that you enjoy your travels without compromising your financial stability. By following the tips outlined in this guide, you can take flight to your dream destinations while keeping your financial health intact. 

If you’re looking for an instant personal loan at best-in-class rates, then do check out IndusInd Bank Personal Loan that is mindfully designed to fit into the varied needs of individuals as per their lifestyles. With IndusInd Bank Personal loan, you get to enjoy instant approval, quick disbursal, and flexible repayment tenure options. That’s not all, its application process is 100% paperless with minimal or low processing fee*. 

Apply Now 

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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Credit Card

The Credit Card Application Mistakes You Must Avoid

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Credit cards can be valuable financial tools, offering convenience and numerous benefits when used wisely. However, applying for a credit card requires careful consideration to ensure you make the right choices. To help you navigate this process successfully, let’s explore some common credit card application mistakes to avoid. 

 Too Many Credit Card Applications At Once 

One of the most common mistakes is applying for multiple credit cards at once. 

Every credit card application results in a hard inquiry on your credit report, which can result in your credit score going lower. Applying for several cards at once can make you appear desperate for credit, raising concerns for potential lenders. 

Neglecting to Check Your Credit Report 

Before applying for a credit card, it’s crucial to review your credit report for errors or discrepancies. Inaccurate information can negatively affect your credit score and result in rejection. You must always report any error in your credit report swiftly to the concerned party. 

Ignoring Eligibility Criteria 

Each credit card has specific eligibility criteria, including income requirements and credit score expectations. Ignoring these criteria can lead to rejection. It’s essential to choose a card that aligns with your financial situation and credit history. 

Underestimating the Importance of Credit Score 

Your credit score plays a pivotal role in the credit card approval process. When your credit score is low, you might get approved with a higher interest rate or even get denied for a credit card. Prioritize maintaining a good credit score by paying bills on time and managing your existing credit responsibly. 

Not Reading the Fine Print 

Credit card agreements can be complex, and it’s easy to overlook the terms and conditions. Failing to read the fine print can lead to unexpected fees, high interest rates, or limitations on the card’s benefits. Always take the time to understand the terms of your credit card agreement. 

 
Applying for the Wrong Type of Card 

Not all credit cards are created equal. Some are designed for travel rewards, while others focus on low-interest rates or some other benefit. Applying for a card that doesn’t align with your spending habits and financial goals can lead to underutilization or unnecessary fees. 

 
Disregarding Annual Fees 

Many credit cards come with annual fees, and some can be quite substantial. Before applying, consider whether the card’s benefits outweigh the annual fee. There are plenty of no-annual-fee credit card options available with IndusInd Bank if you prefer to avoid this expense. 

 
Using Incorrect Information on Your Application 

Providing inaccurate information on your credit card application is a major mistake. Lenders verify the details you provide, and discrepancies can lead to application denial. Always be honest and accurate while submitting your credit card application. 

 
Closing Old Credit Card Accounts 

Closing older credit card accounts can negatively impact your credit score, as it shortens your credit history. Instead, consider keeping old accounts open to maintain a longer credit history, which can positively affect your creditworthiness. 

In conclusion, applying for a credit card requires careful consideration and attention to detail. By avoiding these common credit card application mistakes, you can increase your chances of approval and secure a card that aligns with your financial goals. 

As you embark on your credit card journey, consider exploring IndusInd Bank’s credit card options. Notably, IndusInd Bank offers credit cards with the convenience of instant approval, streamlining the application process online with zero paperwork. These cards come with a range of benefits, from rewards programs to exclusive offers. Apply for a credit card online from IndusInd Bank now! 

 
Remember, responsible credit card usage is key to maximizing the advantages of owning a credit card. Make informed choices, pay your bills on time, and watch your financial opportunities expand with the right card in your wallet. 

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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