Best Travel Credit Card in India 2014 : Things To know

Travel is one of the best teachers in the world, and that’s true to a great extent. You can learn from books and people around you, but travelling around the country or the world for that matter can lead to eye-opening experiences. Your horizons are broadened and your outlook to life can change drastically. Many Indians have realized that first hand as they have taken to travelling more than ever before. They are travelling to uncharted territories and making new experiences that stay with them for a lifetime.

But there are some travel related experiences that you have to think about even before you set off. The expenses you have to take care of during your holiday are going to be an important concern for you. Carrying large amounts of cash to foreign places or anywhere in India is not a smart solution. Thankfully now you have the option of getting a Travel Credit Card, which is created for this specific purpose. You might be travelling within the country or to a foreign destination; you will have the right card for your needs. But before you use these cards to your advantage you need to know more about them.

Types of cards you can get for your travel

Travel Credit Cards are broadly divided into two categories; General and Specific Travel cards. In the case of the former, you can earn points for everything you spend on during your holiday. If you are not particular about the brands you are going to associate with when travelling, then this card makes sense. Specific Travel Card on the other hand is co-branded with hotel chains and lets you pile on your reward points by staying at certain accommodation options. It’s the right option for travellers who have loyalty towards certain brands.

It makes your journey hassle free

Using a travel card for your holiday ensures that your journey is free of any hassles because you don’t have to carry cash but can still spend anywhere, any time. Importantly, your purchasing power is increased on your holiday and you have the luxury of buying anything you want on your travel. Using a card also ensures that you know the amount you have spent because you can keep your invoices for future reference. Thus you can make your payments in a secure manner and get yourself much needed peace of mind.

Choosing the best card for your travel

If you have decided to use a travel card for your holiday then you must be looking for the Best Travel Credit Card you can find in the market. Today there are many companies that are offering these cards to holidaymakers. It’s a good idea to think about the company’s reputation before getting a card from it. The interest rate you are going to be charged should also be at the back of your mind and you need to pick the card based on your specific requirements as well.

Travel cards are a big boon to travellers and it’s up to you to make the most out of them.

If you are concerned about how to get a Credit Card, the lot of banks has introduced a convenient “Credit Card Apply Online” system and so, you can apply for it on line. You can route your application through reputed sites like BankBazaar.com also. Once you submit the required documents, the bank verifies them and issues the card very quickly. The point is that the card issuing process of the bank has been completely streamlined and hence, you can get your card sooner than you expect.
 

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Standard Chartered Credit Card offers on jewellery

Buying can be stress free and pleasurable when you have a credit card at hand more so, if your card hails from a bank like Standard Chartered where every product is designed to suit user requirement perfectly to the ‘T’. Options to suit patron needs too are countless here and rewards for using a card, many. A smooth swipe and a smoother transaction further ensures that you are always ahead with your purchase and your buying sprees are supported with the best in offers and deals. 

Here are some great offers on jewellery to enjoy if you are using a Standard Chartered credit card for transaction.

Offers are aplenty at Standard Chartered

Standard Chartered showers great offers on its credit card customers. As for jewellery, the bank partners with some of the most notable names in the jewel industry and collaborates with them to offer awesome rewards and discounts to the buyers when they buy the glitz.

Latest promotional offers

Standard Chartered has the Dazzle & Shine offer on jewelry purchase going on at this moment for jewelry purchased from select outlets with credit card(s) issued by the bank in Sri Lanka. Many notable jewelers have been roped in for the scheme and there are interesting discounts and savings on offer for buyers. Most offer 5%-15% off on gold and silver jewelry with some offering a whopping 30% discount on diamond jewelry as well. Price cuts on watches, gold/silver coins and gift vouchers can also be availed by using Standard Chartered Credit cards in these outlets.

Standard Chartered also has a 360 Degree Rewards Scheme valid on select credit cards whereby points can be accumulated against transactions made on a card, which can then be redeemed for the gift of choice. Rewards vouchers from noted jewelers often find a place here amongst redemption options.

‘Kuch bhi on EMI’ from Standard Chartered is yet another favorable scheme for users of Standard Chartered Credit Card. This is a plan whereby card holders can buy items of significant worth through convenient EMIs, thus making transactions easier and more convenient for them. Buying is encouraged hereby and the burden of purchase is also waived off. Flexi-tenures and easy transaction conversions make the scheme highly attractive to customers. EMIs are however offered on eligibility basis. Calculation of monthly EMIs is possible through the EMI calculator offered on the bank page.

How to avail the offers?

Availing the offers on jewellery is easy if you have the required Standard Chartered credit card with you. If not, to get your Standard Chartered Credit Card apply online. The process is easy, simplified and secured.

• First you need to fill up the online form with some personal details
• Next you need to select your preferred card. This can be done in a few clicks after studying the features and comparing the benefits & rewards associated with each card
• Click & apply

Since June 2012, Standard Chartered has launched the country’s first direct online credit card sanction solution whereby it’s easy to apply and also know instantly whether the application has been approved or not. Application status can be checked online too.

Note : If you are concerned about how to get a Standard Chartered Credit Card, bank has introduced a convenient “Standard Chartered Credit Card Apply Online” system and so, you can apply for it on line. You can route your application through reputed sites like http://www.bankbazaar.com/standard-chartered-credit-card.html also. Once you submit the required documents, the bank verifies them and issues the card very quickly. The point is that the card issuing process of the bank has been completely streamlined and hence, you can get your card sooner than you expect.

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Best Way to Use My New Credit Card ?

In today’s date, credit cards are quite essential. They not only make transactions smoother and more convenient but also offer the holder many rewards for using them. However, used unwisely this small piece of plastic can ruin the financial future of a person too. This is because a credit card – with the high credit limit that it reflects in general - can wrongly give the user an idea of being competent to afford purchases which he/she is actually not. And so, it can make things go awry than ever when the control is lost. 

 So here are some tips to avoid recklessness in card usage and use your new credit card smartly and wisely.

Understand the concept of ‘credit’ in your card

For a new plastic user, understanding the concept of ‘credit’ is important before embarking on the usage of a credit card. Your card is actually your route to an unsecured loan, which the bank provides you for your purchases. You will be required to pay it back at the end of the billing cycle, failing which, the financial implications that you will be inviting in the form of interest/penalty on your card will be catastrophic. Debt will start to accumulate heavily and the same will be damagingly reflected in your CIBIL score or Credit report.

Plan your purchase

This is important since you need to make smart decisions about buying things that you actually ‘need’ in your life, rather than just ‘want’. To use credit cards wisely –

• Do not use your card to buy everyday items like food, apparel and groceries.
• Plan your purchase before hitting a store so that you can avoid impulse shopping.
• Make purchases on your card that are influenced by automatic limit, like car fuel or your gym membership charges.

Pay your card bill in full

Paying the minimum on your card is possible at the end of every billing cycle but that’s not recommended. In actuality it just prolongs the amount of time you require to pay your debts off. In the process it also inflates the interest that you pay up every month. So yes, you need to pay off your bill in full every month to stop your card from becoming expensive.

If you can’t do this for any particular month, remember to keep your card away and not use it until you have paid off the outstanding dues in full.

Do not use your full credit limit

However big a credit limit your card flaunts, you must never use more than 30% of it. Your credit score depends a lot on the volume of debt that you are having. So, having a low debt amount here can help you nurture an excellent credit score. Low amount of debt is also easier to handle and repay than something bigger.

Last, but not the least, weigh up the interest rate offered in your card at regular intervals with current offers to be confident that your card is a good pick. Since it is the sole determinant of how much you shell out to carry forward a balance on your card, it should be low. If your bank is not ready to negotiate, for a friendlier rate on credit card apply online.

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Standard Chartered Credit Card offers on Flipkart

Flipkart is one of the most coveted shopping websites in the cyber space and it has the best offers and deals on store. And you know what? If you have in your wallet a Standard Chartered Credit Card, the offers can become even smarter and sweeter for you. Why? Because using it can lead you to an additional discount of 10% cash back when you purchase products from the venue for Rupees 10000 or more. The offer is obtainable on all varieties of Standard Chartered credit cards and is valid over any flat discount that the site may be providing on the desired product(s) in any case.

 To be eligible for cash back

For any Flipkart order to become eligible for this cash back offer it is important to pay the price in full with your credit card from Standard Chartered and not use any other payment mode or Gift Voucher for the process.

The cash back offer on Flipkart for Standard Chartered credit card works in a streamlined manner. The steps are mentioned here.

Shop for products amounting to Rupees 10000

You need to log onto Flipkart.com and shop for products estimated at a value of Rupees 10000. Remember that the offer stands true for purchases made from any and all sellers across Flipkart.

Click on the ‘Payment Options’

Once you have completed your purchase and estimated the total value, you need to click on the ‘Payment Options’ window.

The ‘Secure Payment’ section anyway opens up after you finish loading your shopping cart and ‘Place Order’. From here, you continue stepwise, as directed, for completing the transaction and availing the discount. In between you verify your email information, confirm your shipping address and review your ‘order’ summary to reach the ‘Payment Options’ window.

Pick your option

Since you are interested in availing the cash back of 10% offered for Standard Chartered card holders making transactions above Rupees 10000 in Flipkart, you will need to click on the ‘Select Credit/Debit Card’ slot for making payment.

Key in your payment details

You will need to key in your Standard Chartered bank credit card details herein for paying the dues and availing the cash back offer. The cash back amount, i.e. 10% will be directly refunded back to the specified payment source within stipulated time.

Standard Chartered is one of the most progressive banks in the country and abroad in providing deals and discounts for credit card purchases to its customers. Applying for a card from the bank therefore can make your shopping sprees more exciting and rewarding in nature. To get fast Standard Chartered credit card apply online. You can do this straightaway from the bank website or apply through a reliable finance portal in the cyber platform. Filling up a form with certain professional and personal details can make you eligible for a credit card e-approval from the bank. Standard Chartered has the swiftest online card approval system in place and has been a forerunner in the field since 2012. You can get e-approved instantly and have your card processed within a few days.

For more information visit the given reference link - http://www.bankbazaar.com/standard-chartered-credit-card.html

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