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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 using y

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% cashback up

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 10,000 r

Credit Cards have made it easier for credit cardholders to borrow funds whenever required. You use a credit card from paying rent to insurance money. After learning about the advantages of a credit card you must be thinking of using it to pay the utility bills. All the questions like whether it is right to pay the utility bills using a credit card, how it works, will you earn any reward points on the utility bill payment, etc. must be arising in your mind. No need to worry about this, all your questions will be answered in this article. Keep reading to know whether paying utility bills with a credit card is worth it not? Do I earn rewards on paying utility bills? Neither you earn reward points on all credit cards on making the utility bill payment nor do all credit cards provide the same reward points on this transaction. You need to see which credit card provides the highest rewards on utility bills before applying for a credit card. Also, you need to figure out which utility transact