SBI Credit Card Cash Back Offers – They’re Every Where!

Today the world is customer centric. Thanks to the influx of technology that allows literally every customer to be savvy about each product in the market, the customer is truly king! With the growing use of credit cards in India, there is a positive pressure from the customers on banks to issue credit cards that do more than just allow them to pay for what they buy at a later date. It is in this atmosphere of heightened competition and public expectation that the SBI Credit Card thrives.

In the parlance of electronics and consumer technology, ‘single function devices’ are now obsolete. A watch is not merely for keeping time. A mobile device is not just for taking calls and sending SMS’s. Even the television at home doubles as a gaming device, a streaming hub and a conduit that allows the resident to browse the World Wide Web.

This being the case, why should Credit Cards be single function devices? After all, they too, have been driving transactions towards digital money for decades. The SBI Credit Card Cash Back Offers have cashed in on this theme, to come up with multiple discount solutions that cater to the multifarious needs of customers across the length and breadth of the country.

Travel

Whether for business or on a well-deserved holiday, there has been a surprisingly steep rise in the number of people who travel in the country. Destinations beyond the seas and outside India are now more accessible and hence more inviting. The SBI Card offers its customers numerous discounts on ticket bookings, shopping, choice of hotels and destination packages. For example, through the YQ meet and assist, one may avail up to 20% discount on published prices, with an SBI signature card. Alternately, with an SBI Platinum card, one can avail 15% discount on published prices, till the end of this year.

In the case of flywidus.com, an online travel services provider, one can avail a flat discount of Rs. 400 on one way domestic flights and Rs. 800 on two way domestic flights. This offer is valid till 15^th August, 2014.

Both British Airways and the travel services provider Cox and Kings offer 10% and 11% cash back respectively to all SBI credit card holders. While the former offer will last till the end of the year, the latter offer will end on August 31^st.

Shopping

With an SBI credit card, the market place of the world, as well as the virtual market is literally full of cash back offers on every conceivable category of consumer goods. Discounts from 5%, up to and over 50% can be availed based on the validity of the offer across the country in multiple stores both online and in the real world.

An SBI bank credit card offers unlimited possibilities, whether the requirements are business and profession oriented or for the family.

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Tips for Credit Card Security

Although the RBI has circulated some rules and regulations to secure credit card customers, still frauds happen within a blink of an eye. There are many ways to safeguard your credit card against theft or other instances of security breach.

 

Image Source: http://bancadom.net/wp-content/uploads/2012/10/credit-card-security-tips.jpg

 

Some tips are:

• Lost and stolen card report: If any of your credit cards is stolen or lost, report it immediately to customer care. Make sure they stop the card immediately so that no transactions can be done till the time you receive a new one. Also, ensure that you tell them the date, time and place the incident happened, in case you remember it. This will ensure that your card issuer knows the time since your card was not in your possession.

• Online safety: Banks will never send emails to you, asking for your credit card number. If you receive any such thing, it is undoubtedly a spam mail. This is one of the easiest tricks that scammers deploy to phish your login information for a bank. Whenever you log on to the bank site, you will see disclaimers with the same information. This is only to inform customers of these kinds of frauds. Also, it is imperative that you request for an OTP (One Time Password) for all your online transactions.

• Guard your credit cards: Always ensure that you carry your credit cards in a closed compartment. Whether you are a man or a woman, you should carry a zipped purse or wallet for keeping credit cards. It is better to carry only those cards that you will need at the time of shopping. Carrying all of them would surely be a mistake.

• Look before you sign: At the time of shopping, always ensure that you are signing a valid receipt. Many a times, it has been seen that merchants and shopkeepers give you receipts that are completely blank. It is better not to sign on them. They will feign no ink and all other stuff, but always stick to the fact that you will sign a valid receipt. They can easily write any amount on a blank receipt after you sign it.

• Safeguard your card number: You should only give your credit card number and other sensitive information to the customer care. Do not disclose your card numbers to people who have left their phone numbers on your answering machines. Your card issuer will never call you to confirm your card number as they will already have it their database. They would just confirm the last 4 digits of the card.

• The billing statement review: It is very important to check the billing statement every month. This will ensure that you know what all charges have been added in the current billing cycle. If you see any out of league charge, then you can always call the bank and check with them if the charge belongs to you or not.

• Shred your card number: Many credit card customers throw their billing statements in the trash without shredding them. You should shred your statement, rather than just throwing it away. This way, nobody can read the card number from your billing statement.

Caution is the best way of securing your credit cards. Always ensure that you keep a track of all the transactions done by you.

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Understanding the advantages of a HDFC Bank Travel Credit Card

Travelling is done every day whether it is for business or for pleasure. But, if you are someone who spends a big chunk of your income or your allowances on travelling, you should take a look at the best HDFC travel credit card. Having a travel specific credit card gives you access to savings on the biggest expenditure on your list.

 

Source: http://bankingdoctor.com/wp-content/uploads/2014/05/hdfc-credit-cards.jpg

Travelling is expensive more so if it is air travel. Air travel is also the fastest and most efficient if you travel a lot for business. Using a credit card which is travel based to make your purchases is a good way to save money because you can earn miles which can be used to redeem discounts on future purchases. Frequent fliers can benefit greatly from having a travel credit card.

Now, let us look at the benefits of the best HDFC travel card.

While there are different travel benefit cards available with HDFC bank, a card that is most recommended in this category is the Superia travel premium Card. This is a travel specific credit card which gives customers access to compounded savings.

New customers:

As a new customer you can earn 1000 reward points which can be used at a later stage to get discounts on ticket purchases.

Rewards:

For a frequent air traveler, earning rewards can give many benefits in the form of savings. When you use the Superia HDFC credit card, you can earn 3 reward points on every Rs.150 spent. You can earn double the rewards when you use this card for making dining reservations.

The savings don’t stop here. If the total amount spent on the card reaches a total of Rs. 5 lac, you get an air travel voucher of Rs, 8000.

Lounge benefits:

Business travelers who travel from place to place often spend a great deal of their schedule waiting for flights. While they wait to board a direct or a connecting flight, they access lounge services. These services can be expensive generally, however, using the Superia travel HDFC credit card can help save on these services as well.

Possessing this card will give members exclusive lounge benefits in airports all across India. Also, the total savings on lounge expenses can add up to a total of Rs.8300 every year which is again a significant savings.

Fuel discounts:

A big part of business travelling is also intercity travel that involves booking cabs or using official vehicles for travel. Using the Superia HDFC bank travel credit card, the customer will get many fuel transaction discounts further expanding the savings slab.

An HDFC travel credit card offers traditional travelling expenditure savings but, in addition to that the span of savings is enlarged when the related travelling expenses are also featured as part of the plan. It is therefore, prudent to use a credit card specifically meant to extend travel benefits that covers the entire spectrum of expenses.

For a company or a corporate the same, helps save a ton of money on personnel travelling purchases.

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HSBC Bank Low Interest Credit Cards

HSBC bank, or the HongKong and Shanghai Bank Limited, has been in the Indian banking domain for more than 150 years. Popularly known as the Mercantile Bank of India initially, this bank has gained immense popularity in various banking sectors. It has carved a niche in commercial, personal and corporate domains. The bank is also credited to have set the first ATM in the year 1987 in India. HSBC bank is also known to offer a wide variety of services in various fields such as institutional banking, asset management, trade custody, business banking and many more. 

Source: http://www.hsbc.co.in/1/PA_ES_Content_Mgmt/content/website/images/cards/plat_header1.gif

 Among the different types of products offered by the bank, credit cards are known to be the top most products in the banking domain. There are basically four types of credit cards offered by the bank which is designed to cater to the requirements of specific sectors of the society. There are several benefits of availing these cards from the HongKong and Shanghai Bank Limited. Some of these beneficial features include cash instalment plan, rewards on travel and dining, special discount offers, balance transfer facility and fuel surcharge waiver.

There are four different types of credit cards which include the Signature card, Platinum credit card from HSBC, Platinum credit card and Gold credit card. The HSBC bank low interest credit cards are issued to the customers on the basis of certain eligibility criterion. Card holders need to have a fixed monthly income and a good CIBIL credit score. Card holders should also be under the age bracket of 18 to 70 years to be eligible for credit facilities.

Some Advantages

There are many advantages of owning HSBC credit cards and some of the most important benefits include the following.

Good credit facilities: The bank offers excellent credit facilities to the customers through these cards. These cards are also offered at zero interest rates. It also offers excellent rewards and cash back offers. Today there are various websites which can be utilized to compare the different types of cards offered by the bank and choose an appropriate card.

Different types: HSBC offers variety of cards which are specifically designed for people with different levels of income and requirements. The bank also offers two add-on cards along with these cards. However, the credit limit will be divided between these cards.

Poor credit: The bank also offers credit facilities for people with poor credit. These cards are secured and often include low annual charges compared to the other cards.

Different cards include different credit plans and it is easy to find cards suited for different types of requirements. It is quite easy to avail these cards from the banks. There are websites which can be utilized to compare the features of different cards offered by the banks. The reward points and various other utilities are also explained on these websites. Apart from many attractive benefits, some cards also include cash back policies and zero interest rates. It is necessary to submit all the necessary documents to the banks to obtain these credit cards.

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