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If you want to keep your credit history clean while maintaining your credit score, then paying off credit card debt is a must for you! If you procrastinate on bill payments then the interest will continue to accumulate which will result in an increased credit burden. This can have several ill effects like lower credit limits, a decrease in credit score, the possibility of falling into debt traps due to interest accumulation and increased burden. If you wish to avoid all the above-mentioned hardships, then make sure to follow these simple tips for paying off credit card debt on time: 1. Follow a payment strategy : Strategies are very important to get out of any complex situation. Credit card debts are also no exception to this widely known notion. You need to make a clear payment strategy to pay credit card bill wisely. Careful planning and clear goals backed up by proper research can help you pay credit card bill most efficiently. 2. Try a snowball method : Paying down minor credit ca...

HDFC has its name built among the top when it comes to financial services and Credit Card Series. HDFC Regalia Credit Card offers premium benefits and hence has always been everyone's favorite. It also offers the advantage of a higher credit limit. However, Getting HDFC Regalia was not feasible for everyone due to its high eligibility standards and annual fees. To remove this constraint, HDFC introduced an Entry-level credit card in the same category as " HDFC Regalia First ", which can be suitable for slightly lower income groups as well. Both the credit cards, even though belonging to the same category, have many differences. In this article, we will talk about some of these significant differences between HDFC Regalia Vs HDFC Regalia First :   Eligibility HDFC Regalia: Monthly Income > Rs. 1,20,000 HDFC Regalia First: Monthly Income > Rs. 40,000 As we can see that HDFC Regalia First is much more feasible to people of lower-income groups due to le...

The creditworthiness of a person is inferred by a credit score. It is a number anywhere between 300-850 with 300-629 (bad), 630-689 (fair), 690-719 (good), 720-850 (Excellent). The higher your creditworthiness, the lower the risk for the financial institution lending you money and vice versa. That’s why it is very vital to maintain a good credit score for the ease of taking credit as and when the need arises. Here’s your go-to guide to upholding a good credit score: Pay your bills timely:  Well, yes. Stating the obvious, if you will pay your bills as soon as they become due or even before the due date, you will make it to their good books. So, for achieving or maintaining a good credit score keep on paying your bills on time. Pay your instalments on time: So, why do you take credit cards? For the benefits, right? So needless to say one of the most important factors is that it can help you buy maybe your dream car, your dream house, etc. Now when you buy them in instalments usi...

Looking for a credit card that provides you the highest value but at low rates? Then you reached the right blog. We have listed down the top 5 Best credit cards for beginners in 2022. Since we are focusing on beginners we will be discussing the entry-level credit cards that are worth consideration. Keep reading to know the features and benefits of the below-mentioned credit card: Credit Cards Joining Fee Renewal Fee Citi Cashback Credit Card  Rs. 500 Rs. 500 Axis Bank Ace Credit Card Rs. 499 + GST Rs. 499 + GST SBI SimplyCLICK Credit Card Rs. 499 + GST Rs. 499 + GST Flipkart Axis Bank Credit Card NIL NIL Amazon Pay ICICI Bank Credit Card NIL NIL Citi Cashback Credit Card CitiBank offers a credit card to meet the shopping requirements of the cardholders. You can shop as well as dining benefits on the Citi Cashback credit card . The cashback earned is credited to your account. Read on to know the benefits of this credit card: Earn 0.5% cashback on all your spendings. Earn 5% cashbac...

HDFC Bank is one of the leading credit card issuers. From lifetime free credit cards to super-premium credit cards, you will definitely find a credit card that fits your profile. Two credit cards have become the talk of the town which are HDFC Bank Infinia and HDFC Bank Regalia credit cards. In this article, we have compared these credit cards in a tabular form in order to make things easier for you.  HDFC Regalia Vs Infinia Credit Card: Basis HDFC Bank Regalia Credit Card HDFC Bank Infinia Credit Card Joining Fee Rs. 2,500 + applicable taxes Rs. 12,500 + applicable taxes Renewal Fee Rs. 2,500 + applicable taxes Rs. 12,500 + applicable taxes Spend-Based Waiver Renewal fee waived off on spending Rs. 3 lakhs and above in the previous year. Renewal fee waived off on spending Rs. 8 lakhs and above in the previous year. Welcome Benefits Bonus 2,500 reward points Bonus 10,000 reward points and membership of club Marriott.  Milestone Benefits On spending Rs. 5 lakhs in a year you get...