Credit Card Offers: Compare The Best Credit Card And Select One

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Anika Sharma

A credit card is the best way to explore the world. Yes, you can explore during shopping, dining, traveling and more way. Not only this, but you can also get more extra advantages like reward points, cash back, gift voucher and more. To get a credit card offers before that you should know credit card eligibility process. Through the eligibility criteria, you can easily apply for your favorite card and enjoy every moment of life.

Let’s know the topmost bank’s credit card offers step by step and decide which one match with your needs and need to apply now.

SimplySAVE SBI Credit Card

  • When you spent Rs 100 on grocery, dining, movies, and departmental stores, then will get 10X reward points
  • After you spend Rs 2,000 within the first 60 days, then you will get 2,000 bonus reward points
  • Rs 499 one-time annual fee
  • Rs 499 renewal fee

BPCL SBI…

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What are the pros and cons of Canara Bank personal loan?

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Anika Sharma

There are many advantages of a personal loan be it from any lender. Similarly, there are many disadvantages of it as well. Talking about the product quality of Canara Bank personal loan, there are many pros and cons of this.

A personal loan can be taken anytime and even though everyone is eligible to get it, not every bank serves a good loan amount. Canara Bank personal loan has a certain eligibility criteria based on which it offers the product. There is no doubt that the features might be good as well as not so good for the masses. But, still many people take this loan. To understand what are the advantages and disadvantages of a personal loan from Canara Bank, you should read this article.

Canara Bank personal loan schemes

The types of personal loans you can avail from Canara Bank are given below:

  • Canara Bank Consumer Loan
  • Canara…

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IDFC Personal Loan: To Fulfill Your Desires

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Anika Sharma

idfc-bank-logoNow you don’t want to wait any longer to fulfill your desires the IDFC personal loan card comes in the financial market with the best of the product. Through this service you can renovate your home, traveling to some expensive destination, buying a new home appliance or studying abroad basically, it’s the answer to all your needs. By availing IDFC personal loan from IDFC bank, you can easily meet all your wishes or dreams and turn them into reality. That’s why without wasting any moment you can start the service and get privileges.

Before can start the service, you should check online the eligibility criteria or documentation. If required all the things as per the bank, then nobody will stop you.

To get the offer your minimum age should be 21 years and maximum 58 years. The applicant should be Indian with a regular income and a salaried employee.

For…

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Compare HDFC home loan with Indiabulls home loan

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How do you think you can compare top lenders? It won’t be easy but as a customer it is quite important to not go behind the name. You should check everything about HDFC home loan as well as Indiabulls home loan to know which lender is able to fulfill your financial needs.

You can start with comparing interest rates on the basis of your income and not to forget the processing fee applicable on HDFC home loan. You should know that all the charges paid at the time of home loan disbursal are to be paid by you and is not deducted from the disbursal amount. These are upfront fees and is non-negotiable. So, check properly the interest rates, processing fees and each charges that HDFC home loan would cost and also Indiabulls.

Home Loan EMI Calculator

You can check your payments even before applying for the loan. Use a loan EMI calculator for this and mention following details:

  • Loan amount
  • Tenure
  • Interest rate

For instance, if you getting the rate approval of 8.80% per annum as per your eligibility and income, your payments would be as follows:

Loan amount- ₹20 lakhs

Interest rate- 8.80% p.a.

Tenure- 20 years

The payment details will be as follows:

Monthly EMI- ₹17,738

Total Interest Outgo- ₹22,57,137

Total Amount (Interest + Principal)- ₹42,57,137There is a separate HDFC home loan EMI calculator which you can use to calculate your EMI on HDFC home loan. The calculator works similarly as a normal home loan calculator.  

HDFC Home Loan Interest Rate

HDFC is one of the largest housing finance companies in India. The lender is currently offering interest rate of 8.80%-9.70% per annum. The lender offers different rate of interest to salaried, self-employed and self-employed professionals on the basis of income.

Indiabulls Home Loan Interest Rate

The housing loan interest rate at Indiabulls housing finance is subject to change with time. At present, the rate of interest available for home loans ranges from 8.70%-8.95% per annum.

Home Loan Documents

You need to keep all the below-listed documents to get approval for the loan:

  • Application form: duly signed
  • Processing Fee Cheque
  • Age proof
  • Address proof
  • Signature proof
  • Identity proof
  • Income proof
  • If salaried: Salary slips, Form 16 and bank statement
  • If self-employed: ITRs with financial statements, Bank statement
  • Property Documents

Please note that lenders do not approve home loan applications of those who fail to submit income proof. There are only a limited companies that have special schemes such as HDFC Reach which would approve home loans of those who do not have income proof. So, if you want HDFC home loan but do not have income proof, you will be eligible for HDFC Reach. You can check further details with the lender and see whether or not you will get the loan. Also, you need to check whether the lender approves home loan applications for the location of your property. Different lenders have different criteria based on which they accept home loan applications. You can check it with the lender whether or not you will get the loan.

Want to Apply For a Home Loan? Check Eligibility First.

The eligibility criteria for any loan decides whether you can apply for it or not. Unlike an unsecured personal loan where your income is considered to be the deciding factor for applying as well as getting approval, home loans work differently.

You should know that those who fail to provide property income and property documents do not get approval for a home loan from the lender. However, there are still some NBFCs that give loans but at a higher rate of interest. So, you should check everything with the lender before you apply for the loan otherwise you will be disappointed later. Also, your CIBIL score is very important so if you have a score above 750, you will be eligible for a lower rate and higher loan amount.

Home Loan Eligibility at Top 5 Banks/NBFCs in India

Below is the eligibility criteria at top banks and NBFCs in India where you can apply for a home loan. This is a general home loan eligibility criteria however salaried, self-employed professional and self-employed non-professionals get different rates based on their income and its proof.

Axis Bank Home Loan Eligibility

For Salaried-

  • The applicant must be in permanent service in the Government or in reputed companies
  • Minimum age of the applicant should be 21 years
  • Maximum age of the applicant should be 60 years

For Self-employed-

  • Those who file ITR are eligible
  • The age of applicant should be between 21 years and 65 years

Professionals-

  • Doctors, engineers, dentists, architects, chartered accountant, cost accountant, company secretary, management consultants are eligible to apply
  • The age of the applicant should be between 21 years and 65 years

SBI Home Loan Eligibility-

For Salaried:

  • Your age must be between 18-70 years
  • Your net annual income should be at least ₹1,20,000
  • You can get loan amount up to ₹5 lakhs to ₹1 crore
  • The minimum work experience required is 2 years

For Self-employed:

  • Your age must be between 21-70 years
  • Your net annual income should be at least ₹2,00,000
  • You can get loan amount up to ₹5 lakhs to ₹2 crores
  • The minimum work experience required is 3 years

ICICI Home Loan Eligibility

  • All salaried, as well as self-employed Indians with a regular source of income
  • An applicant must be at least 21 years of age to a maximum of 65 years of age/retirement, whichever is earlier.
  • Family members such as an earning spouse can be the co-applicant
  • Co-owners must be co-applicants of the loan as well.

LIC Home Loan Eligibility

  • Resident of India
  • Non-Resident of India
  • Pensioners
  • Salaried employees
  • Self-employed professionals
  • Businessmen
  • Pensioners below 70 years of age are classified as before-retirement individuals
  • Pensioners of 70 years of age and above are classified as post-retirement individuals

Eligibility for Salaried NRI/PIO customers

For Purchase/Construction and Repairs/Renovation:

  • You can get minimum loan amount of ₹1 lakh
  • You can get the maximum loan up to 85% of the market value of the property or up to ₹75 lakhs
  • Qualified professionals can choose loan tenure up to 20 years
  • Others can get the loan for the tenure up to 30 years

For Plot Purchase:

  • You can get minimum loan amount of ₹1 lakh
  • You can get the maximum loan up to 75% of the market value of the property or up to ₹75 lakhs
  • The loan can be taken for the maximum tenure of 15 years

For Takeover from other Banks:

  • Salaried applicants can get the loan for the maximum tenure of 30 years
  • Businessmen can get the loan for the maximum tenure of 20 years

PNB Home Loan Eligibility Criteria

  • Prospective borrower – As per our existing housing loan scheme.
  • Existing borrower – Where complete disbursement has been made.
  • Existing Housing Loan borrower desirous of availing loan under the variant be allowed the benefit provided their Housing Loan account is running regular, no outstanding inspection irregularity, complete disbursement has been made & repayment has started in the account.

The above list of lenders and their home loan eligibility will help you identity whether your age and income is suitable for their home loan or not. To apply for a housing loan, it is very important that you have all the details matching with the home loan eligibility set by the lender.

SBI Elite Card Benefits: Elite Advantage Comes With Ultimate Privileges

It’s high time to enjoy lifestyle privileges with SBI elite card benefits. This beautifully designed for those who want to unlock the world of luxury and privileges. It’s your perfect companion when it comes to fulfilling the various needs be it shopping, movies, travel and what not. It comes with a bundle of luxurious lifestyle privileges such as rewards, welcome gifts, complimentary lounge access, exclusive concierge services and many more.

Features Of SBI Card Elite

Airline Privileges

  • Avail the priority pass and complimentary membership of up to two years, when you are a primary cardholder
  • With SBI elite card benefits, you will get complimentary club Vistara and trident membership
  • You will receive accessibility of over 850 airport lounges located worldwide
  • At the airport in India, you will get relish complimentary domestic lounge access quarterly

Lifestyle Privileges

  • If you shop from Shoppers Stop, Marks And Spencers, Pantaloons, Yatra, Bata, and Hush Puppies, you will get Rs 5,000 as a welcome gift
  • On grocery, departmental stores and dining spends, you will get 5* reward points
  • You will get up to 50,000 reward points on annual spends
  • In a year, when you spend Rs 3 lakh and Rs 4 lakh, you will get 10,000 bonus reward points
  • At BookMyShow site, you will get two complimentary movie tickets worth Rs 500 every month
  • You will get holiday package, hotel reservation, gift delivery, and more advantages through exclusive concierge services
  • At leading spas and lifestyle stores, you will get lucrative discounts
  • 1% fuel surcharge waiver
  • Cover of Rs 1 lakh as complimentary fraud liability
  • For every Rs 100 spent on international transactions, you will get two reward points
  • Rs 4,999 one-time an annual fee
  • Rs 4,999 renewal fee per annum
  • Add-on fee nil per annum
  • Rs 100 card replacement fee

Do you know to avail the SBI elite card benefits should know the documents checklist and eligibility criteria? For this, you can go through the state bank of India website.

Know The Checklist To Apply

Eligibility criteria are the first point when you are going to apply for an SBI card elite. The applicant should be between 21 to 70 years it’s a salaried or self-employed age list, and for a pensioner it’s between 40 to 70 years.

For the documents, you should submit one recent self-attested passport size photograph, self-attested copy of your identity or residential address proof, and attached declaration duly sign the form.

After this procedure, you can easily apply for the SBI card elite and get SBI elite card benefits. You can have two options the offline or online. For the offline option should visit the bank branch and fill the physical application form with self-attested documents. If you want to go with the online service, you should go to the official site and fill the form with personal-professional information such as name, age, employment details, a recent passport size photograph, registered email ID or mobile number. It’s a basic step you can follow and receive the best credit card for your usage as soon as possible.

Bank Of India Credit Card: It Offers Travel, Shopping, And More

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You can get all types of cards through a bank of India credit card. They can offers shopping, traveling, besides offering a customized card for pensioner and farmers. Let’s find your lifestyle-related card.

VISA Gold Card

  • The bank of India credit card offer reward programs on card usage
  • You can get up to 51 days interest-free credit period
  • To get VISA gold card should have gross annual income Rs 1.5 lakh and above
  • At more than 90,000 ATMs, you will get 24 hours cash access
  • For card payment, you will get free remittance
  • When you want to pay bills via bank account, no charges are applicable

VISA Gold International Card

  • To get the card should have gross annual income Rs 1.5 lakh and above
  • Customer enquiry facility is available for you
  • In emergency access to cash disbursement
  • In a case there is an issue, the emergency card replacement service is available
  • High credit limit of above Rs 1 lakh can extend

VISA Platinum Privilege Card

  • The bank of India Credit card bring up to Rs 1 lakh credit limit through this card
  • To get the service of this card should have photo and signature would show on credit card
  • Up to Rs 50,000 cash limit

Taj Premium Card

  • This can come with no charges for the cardholder
  • Taj premium card can get only taj members

India Card

  • It’s a PIN enabled photo card as well as lifetime free
  • Annual income must be Rs 0.75 lakhs and more
  • This card can applicable only Nepal, Bhutan, and India
  • For add-on cardholders flexible credit limit offers
  • For retail purchase, it can accept at more than 2,50,000 merchant establishments and for cash withdrawal from ATMs over 9,000 ATMs

Navy Classic Card

  • It’s a non-photo master card
  • Lifetime- free card
  • Only navy staff can use this card

Navy Gold Card

  • This can apply only top navy officials
  • Lifetime-free card

Krishi Vikas Card

  • For this card, only farmers are eligible
  • It can exclusively to big farmers having cash credit facility

Card For Pensioner

  • There limit based on three times the monthly pension without any TOD
  • As per the name, this card only for pensioner

Documents And Eligibility Criteria For A Bank Of India Credit Card

Whosoever payback the pending amount to the bank are eligible for the bank of India credit card. That’s why a salaried or self-employed can apply for this card.

As a document, you should give them identity proof, address proof, and income proof. In identity, you should provide voter ID, passport, and driving license. For residential address proof, utility bill, Aadhaar card, and passport. And income proof for a salaried recent salary slip, audited sheet for self-employed, and last 3 to 6 months bank statement.

It’s a critical part when you are going to apply for a card. If all are matches as per the requirement, then nobody will stop you to drop the application.

Go to the official site of the bank or visit the nearest bank branch. Fill the application form along with providing the documents and registered email ID or mobile number. So that, if they required more verification or things can immediately connect with you and fulfill the product.

Use Bajaj Finance Personal Loan EMI Calculator to Know Repayment in Advance

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Bajaj Finance ranks among the leading non-banking finance companies (NBFCs) in the business of providing personal loans to help people achieve their personal aspirations, needs, or even allow them to tackle emergencies better. With customized loans aided by a hassle-free approval process, the noted NBFC does everything to bring a smile on the face of the customer. You can get as much as 25 lakhs of loan from the company to fulfill your very need. However, it pays to look at Bajaj Finance Personal Loan EMI Calculator before clinching a deal with the lender.

How Does Bajaj Finance Personal Loan EMI Calculator Operate?

The calculator performs its operation based on the loan amount, interest rate and tenure. Based on these variables, the EMI calculator would show the result of EMI, interest outgo, etc. With a greater loan amount and a higher rate of interest, both the EMI and overall outflow of interest would be on the higher side and vice-versa.

At What Rate of Interest Can You Get a Personal Loan from Bajaj Finance?

You can get a personal loan at an interest rate ranging from 10.99%-16% per annum. The loan can be granted for a maximum of 5 years. The rate of interest influences the function of the EMI calculator greatly. Greater the interest rate, more would be the monthly installments and interest repayment and vice-versa.

How Can You Get a Lower Rate of Interest?

You should negotiate for a lower rate of interest to cut down the outflow of interest, thereby reducing the overall outgo. The negotiation would be successful in having a good income, high credit score with no spot of default. A good income would repose confidence in Bajaj Finance officials about a strong repayment potential. Apart from the income, lenders like Bajaj Finance would also want to be assured of your creditworthiness before disbursing you a loan. So, they make a credit enquiry to see your credit score, which should be more than 700 to get an approval from the lender.

Not only the score, but the entire credit history would also be scanned by Bajaj to find if there were any default made with respect to the credit you availed. If the score is good but the credit history is affected by a few defaults, the lender may ask for a collateral to secure a loan. The extent of collateral value should be either the full value of the loan or a part of it. However, you can get a lower rate of interest with a collateral-backed personal loan.

What Should be Your Loan Tenure? The EMI Calculator Will help You Decide Better

Ideally, the loan tenure must be such that the interest repayment liability reduces over time. But, in a reduce the same, the amount of monthly installment must not get much bigger that it becomes difficult to service. So, you can just experiment with different tenures in the EMI calculator to find the ideal repayment summary for you. If you were thinking of a 4-year loan, bring it down to 3 or 3.5 years to bring down the interest yet keeping the installment amount payable.

Are you planning a trip? Get Amex Platinum Travel Card Today!

2018 is about to end and everyone is busy in planning their New Year’s Eve. Some might be planning to travel abroad and others want to spend it with their family and friends by travelling to any of their favorite Indian cities or states. For all this, you need money. For that, either you have enough savings in your account or you can take a loan for it. But, instead of taking a loan, why not take a credit card?

Amex credit card are very popular for their amazing cashback offers. Amex travel cards can be a great choice to enjoy your travelling without worrying about being short of money and compromising with your favorite hotel stay or shopping. So, let us check out the travel cards offered by Amex and let us see what are the features of Amex Travel Credit Card. We will checkout the features and eligibility required to apply for this specific card.

Amex Travel Credit Card Types

There are total two types of travel credit cards offered by Amex. These are as follows:

  1. Amex Platinum Travel Credit Card
  2. Jet Airways American Express Platinum Credit Card

Amex Platinum Travel Credit Card EligibilityAmex credit card

  • You should be above 18 years of age
  • You must be an Indian
  • You should have a multinational bank’s savings or current account in India
  • Your credit history should be good and you should not be a defaulter
  • Your annual income should be Rs. 6 Lacs or above (for both Salaried, Self Employed)
  • You must have a permanent residential address in India
  • Those who are self-employed must have at least 12 months of its existence proof

Benefits of Amex Platinum Travel Credit Card

If you get an Amex Platinum Travel card, you will get to enjoy the below given benefits:

  • On spends of Rs. 1.90 Lakhs in a year, you will get Travel Vouchers worth more than Rs. 7,700.
  • If you spend Rs. 4 Lakhs in a year, you additionally get Travel Vouchers worth more than Rs. 11,800.
  • You will get a voucher worth Rs. 10,000 from the Taj Hotels Palaces Resorts Safaris.
  • You will enjoy 4 complimentary visits per year (limited to one complimentary visit per quarter) to 12 airport lounges across India.
  • You will also get benefits on travel bookings with MakeMyTrip.com.

What is the annual fee and joining fee for Amex Platinum Travel Card

When you take this Amex Platinum Travel Card, you will have to pay Rs. 3,500 for the first year. This is excluding the taxes applicable on credit cards. As you know, GST has come into effect after which the tax applicable on credit cards is 18%. So, you will have to pay Rs. 3,500 plus 18% of this amount in the form of GST. From second year onwards, you will have to pay Rs. 5,000 plus GST which is again 18%.

So, when are you applying for your Amex Platinum Travel card? Well, apply soon because travel season is here and you can start planning your trip from now onwards.