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All posts by Vinayak

How To Use Indusind Bank Credit Cards To Maximize Travel Savings?

Travel is not just a journey; it’s an adventure, an opportunity to create memories that last a lifetime. Whether you’re a globe-trotter or someone who enjoys the occasional getaway, using the right credit card can make a world of difference in maximizing your travel savings. In this blog, we’ll explore how IndusInd Bank Credit Cards, specifically the IndusInd Bank Club Vistara Explorer Credit Card and the IndusInd Bank Avios Visa Infinite Credit Card, can help you embark on your dream vacations while saving big. 
 

IndusInd Bank Club Vistara Explorer Credit Card: Flying High with Benefits 

The IndusInd Bank Club Vistara Explorer Credit Card is designed for those who love to travel by air. Here’s how it can help you soar to new heights while saving on your journeys: 

  1. Welcome Bonus: Get started on your travel savings journey with a generous welcome offer. As a new cardholder, you’ll receive complimentary Club Vistara Gold membership with exclusive privileges like priority check-in, priority boarding, additional baggage handling & more. 
  1. Club Vistara Points: Every time you use your IndusInd Bank Club Vistara Explorer Credit Card, you earn Club Vistara Points. You can earn up to 8 CV points for every ₹200 spent. These points can be redeemed for flight tickets, upgrades, and other travel-related expenses. The more you spend, the more you earn. 
  1. Complimentary Air Tickets: Enjoy complimentary economy class tickets when you achieve specific spending milestones. To give you an idea, you earn 1 business class ticket voucher on achieving a spending milestone at ₹3 lakhs and upto 5 business class ticket vouchers. 
     
  1. ZERO Fee Benefits: You can enjoy ZERO Forex Markup on all your international transactions with your IndusInd Bank Club Vistara Explorer Credit Card. In fact, you have to pay ZERO cash advancement/withdrawal charges, ZERO Late Payment Fee and Over Limit Fee. 
  1. Concierge Services: A team of highly experienced professionals are to assist you 24×7. The concierge will aid you in all your pre-trip planning, hotel reservation, flight booking & more. 
  1. Lounge Access: Get access to 600+ lounges across the world with our Priority Pass Programme. You can have 4 complimentary visits to international lounges every quarter of a calendar year. 
     

IndusInd Bank Avios Visa Infinite Credit Card: Your Passport to Savings 

If you’re a frequent flyer, the IndusInd Bank Avios Visa Infinite Credit Card is your ticket to unlocking travel savings like never before. Every time you spend with this card, you earn Avios as reward points. Check out the best-in-class benefits like: 

  • Welcome Bonus  
    If you choose Qatar Airways Privilege Club  
  1. Complimentary Gold membership tier with Qatar Airways Privilege Club 
  1. 20,000 bonus Avios 

 
If you choose British Airways Executive Club  

  1. 55,000 bonus Avios 
  • Rewards – Earn 5 Avios on every ₹200 spent at your preferred international destination for Point-of-Sale transactions. 
  • Lounge Access – Enjoy 2 international and 2 domestic lounge visits per calendar quarter   
     
  • Milestone Benefits – Get 25,000 bonus Avios after your first spends of ₹8 lakhs in a year and another 25,000 bonus Avios after your second spends of ₹8 lakhs in the same year 
     
  • Travel Insurance – Get a complimentary personal air accident insurance cover of up to ₹60 lakhs 

 
Conclusion 

Traveling is all about creating cherished memories and exploring the world. IndusInd Bank understands this and offers two incredible credit cards, the IndusInd Bank Club Vistara Explorer Credit Card and the IndusInd Bank Avios Visa Infinite Credit Card, to help you maximize your travel savings and make your journeys more rewarding. 

Apply for these credit cards today and experience a world of benefits, from complimentary flight tickets to airport lounge access, travel insurance, and exclusive discounts. Start your journey with IndusInd Bank and let your dreams take flight. 

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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Financial Empowerment: How a Personal Loan EMI Calculator Can Help You Make Informed Choices

Financial empowerment is all about taking control of your financial future, making informed choices, and securing your financial well-being. When it comes to managing your finances, a personal loan is a versatile tool that can help you achieve various goals. However, to truly harness the power of personal loans and make responsible financial decisions, it’s crucial to understand how they work and their impact on your finances. In this blog, we’ll explore how a Personal Loan EMI Calculator can empower you to make informed choices and take control of your financial journey. 

What is a Personal Loan EMI Calculator? 

It’s a user-friendly online tool offered by various banks and financial institutions to help you calculate your monthly EMI for a personal loan. To use it, you just need to input the following information: 

1. Loan Amount: The amount to be borrowed. 

2. Interest Rate: The annual interest rate offered by the lender. 

3. Loan Tenure: The duration over which you’ll repay the loan. 

Once you enter these details, the calculator instantly computes and displays your monthly EMI.  

How Personal Loan EMI Calculator Empowers You? 
 

1. Accurate Loan Repayment Planning 

The primary purpose of a personal loan EMI calculator is to provide you with an accurate estimate of your monthly installment. This figure is crucial for your budgeting and financial planning. Knowing the exact EMI amount allows you to plan your monthly budget effectively.  

2. Evaluate Loan Affordability 

Understanding whether you can afford a personal loan is essential. Taking out a personal loan that stretches your finances too thin can lead to financial stress. The EMI calculator helps you evaluate loan affordability by allowing you to experiment with different loan amounts and tenures.  

3. Compare Loan Offers 

Different lenders provide varying interest rates and loan tenures. To make an informed choice, you need to compare these offers. The EMI calculator simplifies this process. 

4. Transparency in Loan Terms 

A personal loan is a significant financial commitment, and you should fully understand the terms of the loan before signing the agreement. The EMI calculator provides transparency by breaking down the loan details, including total interest payable, principal amount, and EMI breakup.  

5. Avoid Financial Stress 

Financial stress can be detrimental to your overall well-being. By using a personal loan EMI calculator, you can make sure that your loan doesn’t become a source of anxiety.  

6. Quick and Convenient 

Calculating EMIs manually can be time-consuming and prone to errors. Therefore, it is recommended to use a Personal loan EMI Calculator to get accurate results instantly. 

7. Make Informed Decisions 

Financial decisions should always be taken cautiously. The EMI calculator provides you with a clear picture of how your personal loan will impact your finances. With this information, you can make an informed choice about whether to take out the loan or not.  

Conclusion 

A personal loan EMI calculator is a powerful tool that empowers you to make informed financial choices and take control of your financial future. Whether you’re planning to take out a personal loan or already repaying one, this tool offers transparency, affordability assessment, and the ability to compare loan offers. By harnessing the capabilities of the EMI calculator, you can navigate the world of personal loans with confidence, ensuring that your financial decisions align with your goals and aspirations. 

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 Rewards for Foodies – Maximizing Dining Benefits with IndusInd Bank EazyDiner Credit Card

For avid foodies, dining out isn’t just about satisfying hunger; it’s a passion, a way of life. If you’re one of those who can’t resist trying out the latest restaurants or savoring gourmet dishes, then you’re in for a treat. In this blog, we’ll explore how you can make the most of your dining experiences by leveraging the incredible rewards offered by the IndusInd Bank EazyDiner Credit Card. 
 

The Joy of Dining Out! 

Dining out is not just about tasting mouthwatering delicacies and cuisines, but it’s also about socializing. It’s not just about enjoying a meal; it’s an experience. From cozy cafes to fine dining establishments, the culinary world offers a plethora of flavors waiting to be explored. But what if we told you that you could enhance these experiences and earn exciting rewards simultaneously? That’s where credit card rewards can help you big time. 

Maximizing Dining Benefits with IndusInd Bank EazyDiner Credit Card 

The IndusInd Bank EazyDiner Credit Card is tailor-made for food enthusiasts. This credit card is tailormade to give you the best dining experience with incredible deals & offers. Here’s how you can maximize your dining benefits with this fantastic card: 

  1.  
    Earn Reward Points: With every dining transaction you make using the IndusInd Bank EazyDiner Credit Card, you earn reward points. Every time you spend ₹100 on dining, shopping and entertainment, you earn 10 reward points. You also earn 4 Reward Points for every ₹100 spent on all other categories except fuel. These points can be redeemed for a range of benefits, including discounts on your favorite meals and exclusive dining experiences. 
     
  1. Discounts and Offers: The EazyDiner tie-up with this credit card opens the door to exclusive discounts and offers at some of the finest restaurants. It offers you a 12-month EazyDiner membership worth ₹2,495 for FREE. It enables you grab an assured discount of 25%, and up to 50%, at 2000+ premium bars & restaurants across India. 
     
  1. Welcome Offer: You earn 2,000 reward points as a welcome bonus with the IndusInd Bank EazyDiner Credit Card. In fact, you unlock Prime-exclusive benefits like 3X EazyPoints which can be redeemed for free luxury hotel stays and free meals. 
     
  1. Luxury Experiences: You receive a ₹5,000 stay voucher from Postcard Hotel with IndusInd Bank EazyDiner Credit Card. You can enjoy a luxurious getaway at picturesque locations across the world. 
     
  1. Complimentary Benefits: You can grab 2 complimentary movie tickets worth ₹200 every month on BookMyShow with IndusInd Bank EazyDiner Credit Card. You also get 2 complimentary domestic lounge visits every quarter.  
     

Conclusion 

If you’re a foodie, dining out isn’t just an expense; it’s about creating unforgettable experiences. The IndusInd Bank EazyDiner Credit Card allows you to elevate your dining experiences by rewarding you for your passion. From earning reward points to enjoying exclusive discounts and offers, this card is a food lover’s dream come true. 
 

So, why wait? Apply for the IndusInd Bank EazyDiner Credit Card today and embark on a culinary journey like never before. Start enjoying the perks and privileges that come with being a foodie with IndusInd Bank. 

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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Factors That Influence Personal Loan Eligibility: A Complete Guide

A personal loan is a versatile financial tool that can help you fund various needs, from consolidating debt to financing a dream vacation. However, before you apply for one, it’s essential to understand the factors that influence personal loan eligibility. Lenders have specific criteria to determine whether you qualify for a personal loan. In this comprehensive guide, we’ll walk you through the key factors that can impact your eligibility and offer tips on how to boost your chances of approval. 

Key Factors That Can Impact Personal Loan Eligibility

1. Credit Score 

Your credit score is unarguably the most critical factor affecting your personal loan eligibility. Lenders use it to assess your creditworthiness and your ability to repay the loan. A higher credit score makes you an attractive borrower. 

2. Income 

Your monthly income plays a vital role in determining your eligibility. A higher income typically results in a higher loan eligibility.  

3. Existing Debts 

Lenders consider your existing financial obligations when evaluating your personal loan application. These include credit card balances, other loan repayments, and any outstanding debts. High existing debts can lower your eligibility, as lenders worry about your ability to manage additional loan payments. 

4. Loan Amount and Tenure 

The amount you wish to borrow and the loan tenure can impact your eligibility. For larger loan amounts, the requirements may be more stringent than for a small loan amount. Be mindful of borrowing within your financial capacity to increase your chances of approval. 

5. Credit History 

Your credit history provides lenders with insights into your past borrowing behavior. Late payments, defaults, or delinquent accounts can negatively impact your eligibility. A clean credit history with no defaults or late payments enhances your chances of personal loan approval. 

6. Age 

Age can also affect personal loan eligibility. Lenders may have age restrictions, typically requiring borrowers to be at least 21 years old. 

  • Younger applicants may need a co-borrower or guarantor to meet age requirements. 
  • Older applicants may face stricter criteria as they approach retirement. 

7. Relationship with the Lender 

If you have an existing relationship with a bank or lender, it can be advantageous. Some lenders offer preferential rates or relaxed eligibility criteria to existing customers. Check with your current bank to see if they have any special offers for loyal customers. 

8. Collateral or Guarantor 

A personal loan is typically unsecured, meaning it doesn’t require collateral or a guarantor. However, if your eligibility is low due to factors like a low credit score or income, you might consider providing collateral or a guarantor to secure the loan. 

9. Application & Documentation 

Complete and accurate documentation is crucial when applying for a personal loan. Incomplete application or incorrect paperwork can lead to delays or rejection. However, leading lenders like IndusInd Bank offer 100% paperless application process for personal loan which can be completed from the comfort of home with just Aadhaar and PAN details. 

10. Lender’s Policies 

Each lender has its own set of eligibility criteria and policies. It’s essential to research and choose a lender whose requirements align with your financial profile. Compare interest rates, fees, and eligibility criteria from multiple lenders. 

Summing Up

Personal loan eligibility is determined by a combination of factors, including your credit score, income, employment history, and more. Understanding these factors and taking steps to improve them can significantly enhance your chances of securing the funds you need. Before applying for a personal loan, assess your financial situation, choose the right lender, and ensure your application is well-prepared to maximize your eligibility and increase your chances of approval. 

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Live Like a Legend with IndusInd Bank Legend Credit Card

Do you aspire to live a legendary life full of luxury, convenience and rewards? If yes, then you might want to check out the IndusInd Bank Legend Credit Card, a super-premium credit card that offers you a world of exclusive privileges and benefits across various categories such as travel, dining, lifestyle and rewards. This card is designed for the discerning few who value quality over quantity and seek the best of everything. In this blog post, we will tell you what the key features and benefits of the IndusInd Bank Legend Credit Card are and how you can apply for it. 

 
Key Features of IndusInd Bank Legend Credit Card 

  • Reward Points: You can earn up to 2 reward points for every ₹100 spent on weekends and 1 reward point for every ₹100 spent on weekdays. Earn 4000 Bonus Reward points on spending ₹ 6 lakhs or more in a year. 
  • Lounge Access: You can access  600+ lounges across the world for yourself via Priority Pass.  
  • Foreign Currency Mark-up: You can enjoy a discounted foreign currency mark-up of 1.8% on your international spends. This means you can save more money while travelling abroad. 
  • Complimentary Movie Ticket: Buy one movie ticket and get the second one free each month on BookMyShow. 
  • Fuel Surcharge Waiver: You can get waiver of 1% on fuel surcharge on at any petrol pump in India. 
  • Travel Insurance Cover: You can get comprehensive travel insurance cover when you book your tickets using the card. The cover includes protection against loss of baggage, loss of passport, delay or cancellation of flight and more. 
  • Concierge Benefit: You can also get access to 24X7 concierge service that can help you with hotel reservations, flight bookings, car rentals, flower delivery, etc. 

How to Apply for IndusInd Bank Legend Credit Card? 

 
You can apply for a credit card from IndusInd Bank in 4 easy steps:  

Step 1: Enter your mobile no. and PAN 
Step 2: Verify your address    
Step 3: Select your preferred Credit Card    
Step 4: Complete your Video KYC    

You don’t need to submit any physical documents. All you need is:    

  • Aadhaar and PAN number for a quick approval   
  • Residential proof if the address mentioned in Aadhaar is different from your current address. Upon the completion of the application, your credit card will get delivered within 2-3 days. 

So, what are you waiting for? Apply for an IndusInd Bank Legend Credit Card today and live like a legend! 

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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