September 2025 - Credit Cult

CRED Referral Code/Link for Credit Card Bills | Get ₹250 on Signup

September 24, 2025

Last Updated on 3 months by Saurabh CRED Referral Link: Get Your Signup Bonus Looking for a smarter way to pay your credit card bills and earn rewards? I use CRED to pay all my credit card bills, and it’s been a fantastic experience. It’s a members-only club that rewards you for being a credit-responsible individual. If you’re looking for a way to manage your credit cards and get rewarded for every bill payment, CRED is the app for you. If, you’re looking for a CRED referral? You’ve come to the right place. Here’s everything you need to know about getting your exclusive membership with CRED and the benefits that come with it. Cred Referral Link CRED Referral Link: Signup Steps People often search for a CRED referral code, but the CRED referral program works through Cred referral link as it is the easiest way to join CRED, as the code is automatically applied. Signup guide shared below. How to Get Your Assured Cashback: A Step-by-Step Guide Click the Link: Use the CRED referral link to download the CRED app. Sign Up: Enter your phone number and complete the quick signup process. CRED will check your credit score (CIBIL or Experian) to confirm your eligibility for the membership. Add Your Credit Card: Link your credit card(s) to the app. CRED will automatically fetch your bill statements and provide a seamless payment experience. Make Your First Payment: Pay your first credit card bill on CRED. Get Your Cashback: After your first successful payment, you will earn up to ₹250 in assured cashback in the CRED app which can be used later to pay bills. Top Benefits of Joining CRED CRED is more than just a bill payment app. It’s a complete ecosystem built to reward creditworthy members. Here are some of the key benefits you’ll unlock: Rewards on Every Payment: Every time you pay your credit card bill on CRED, you earn CRED Cashback and CRED coins. You can use these coins to redeem exclusive rewards, vouchers, and discounts from top brands. Promotional in-app offers: Cred often offers promotional offers. (Recently, in Sept’25, it offered a PVR voucher worth Rs 200 on a bill payment of Rs 1,000) Manage All Your Cards in One Place: CRED allows you to track and manage multiple credit cards from various banks, giving you a comprehensive overview of your spending and due dates. Automatic Bill Payment Reminders: Never miss a payment again! CRED sends smart reminders for all your upcoming credit card bills, helping you maintain a perfect payment history. Check Your Credit Score for Free: As a member, you can check and refresh your credit score anytime without any extra charges, helping you stay on top of your financial health. Exclusive Member-Only Perks: Get access to CRED’s suite of products like CRED Pay (for online payments), CRED Cash (personal loans), and the CRED Store (exclusive deals and products). Everything You Can Do on the CRED App Explore the powerful ecosystem of CRED, designed to simplify your finances and reward you for being credit-responsible: Credit Card Bill Payments: Pay your credit card bills and earn cashback and CRED Coins on every transaction. Recharges & Utility Payments: Recharge mobiles and pay bills like electricity, gas, water, broadband, and more—all in one place. Online Shopping (CRED Store): Redeem CRED Coins for exclusive deals on premium products, gadgets, and essentials. CRED UPI: Make fast, secure UPI payments and transfers with exclusive rewards and zero fees. GOLD Investment: Invest in 24K digital gold securely with real-time pricing and instant redemption options. Insurance Services: Buy and manage health, life, and device insurance with transparent terms and easy claims. Gift Cards: Purchase gift cards from top brands for personal use or gifting, using CRED Coins for discounts. Travel Bookings: Book flights and hotels with member-only offers, cashback, and curated travel deals. Who is Eligible for a CRED Membership? CRED is an exclusive, members-only club. To get a membership, you need to have a credit history and credit score of 750 or above. This ensures that the community is built on trust and responsible financial behavior. If you meet this criterion, you’re just a few clicks away from joining the club and experiencing CRED’s rewarding journey. Signup for CRED Now! Credit Cult Conclusion: Is CRED Worth It? Yes, absolutely. Even if you’re already disciplined with your credit card payments, CRED is a must-have. While the initial cashback bonus is a great incentive, you might find that rewards for routine bill payments later aren’t as high. However, what CRED truly offers is consistent value through a wide range of special offers, vouchers, promotional days (Coin Rush) and curated experiences for its loyal members. It’s a great way to turn a chore into a rewarding habit. Ready to begin your rewarding journey with CRED? Use the link below to claim your membership and your welcome bonus today! CRED Referral Link We hope that we helped you with a detailed review on the Cred App. We will also recommend you to read our last blog: Best RuPay Credit Card for UPI | SuperMoney vs Kiwi vs NeuCard

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Best RuPay Credit Card for UPI | Supermoney vs Kiwi vs NeuCard

September 23, 2025

Last Updated on 2 months by Saurabh Discover the Best RuPay Credit Card for UPI (Lifetime Free) The world of digital payments in India has been revolutionized by UPI (Unified Payments Interface). Now, with the integration of RuPay credit cards into UPI, your daily transactions just got even more rewarding. Imagine earning cashback or points every time you scan a QR code! But with several players entering this exciting space, choosing the right Lifetime-Free RuPay Credit Card for UPI can be a bit confusing. Don’t worry, we’re here to break down the most popular options: superCard Pro, Kiwi Click, and HDFC Bank Tata Neu Infinity Credit Card. Let’s dive into a detailed comparison to help you discover which RuPay Credit Card is the perfect fit for your spending habits (). Disclaimer: This blog may include affiliate links. They help support our work but don’t affect product rankings/reviews. Our recommendations are based on unbiased evaluations & personal experience. Table of Content: Benefits of LTF RuPay Credit Card for UPI The Contenders: SuperMoney vs Kiwi vs NeuCard SuperCard Pro (by Super.Money) Kiwi Klick Credit Card (by Kiwi) Tata Neu Infinity Credit Card (by Tata Neu) Side-by-Side Comparison: Cult Table Credit Cult UPI Cashback Calculator Conclusion: Which one is Right for You? Benefits of a Lifetime-Free RuPay Credit Card for UPI Before we compare, let’s quickly understand the benefits: Convenience: Link your credit card directly to your UPI app (like Google Pay, PhonePe, Paytm), and pay via QR code scans. No need to carry physical cards! Rewards & Cashback: Earn points or cashback on your UPI spends, turning everyday transactions into savings. Lifetime Free: No annual fees means you enjoy all the benefits without any recurring costs. Boost Credit Score: Responsible usage helps build a strong credit history. The Contenders: Supermoney vs Kiwi vs Neucard We have chosen the 3 Best RuPay Credit Cards for UPI—Supermoney vs Kiwi vs Neucard (or Supercard Pro, Kiwi, and HDFC Bank Tata Neu Infinity)—because they have the best reviews for UPI-based rewards compared to other options like YES Bank POP or Rio Money. These cards are at the forefront of the “spend and earn” revolution. Let’s dive into a detailed comparison to help you discover which card is the perfect fit for your spending habits. SuperCard Pro (by super.money) Key Features: Flat 3% Cashback on superUPI (Rs 500/month) Flat 1% Cashback on Other Spends Referral Signup Benefit: Up to Rs 500 Cashback (Limited Time) Lifetime Free Credit Card Exclusive Cashback Offers on OLA, Myntra, MMT and more Apply Now! (Referral Link) More Features Flipkart occasionally promotes the super.money app and superCard Pro through discount and cashback offers. No Airport Lounge Access Offered. Up to 5% Cashback on superUPI Kiwi Klick Credit Card (by Kiwi) Key Features: 1.5% Cashback on Kiwi UPI 2-5% Cashback with Kiwi Neon Membership (Rs 999) 3 Airport Lounge Access (On spends of 50/100/150k*) Referral Code: Referral Signup Benefit: ₹100-800 on Signup () Lifetime Free Card Monthly Spend-based Offers Apply Now! (Referral Link) More Features *Milestone Based Lounge Access: 3 Lounge Access are offered on spends of 50K, 100K and 150K. Cashback on money transfers and Bill Payments Tata Neu Infinity Credit Card (by Tata Neu) Key Features: 1.5% Cashback on Neu UPI up to Rs 500/month (RuPay Card) 10% Value back on Shopping (Neu App) 5% Value back on Recharge and Bills 8 Domestic & 4 International Lounge Access* Referral Signup Benefits: Spotify Premium (SAUR1137) You may get LTF (Annual Fees: 1499 + GST) Apply Now! (Referral Link) More Features *Lounge Benefits are Milestone based: Offered if Rs 50,000 spent in last quarter. **1499 Neucoins are received as welcome benefit only if joining fee is paid. Up to 20% discount during payday or seasonal sales Side-by-Side Comparison: Best RuPay Credit Card for UPI *Benefits of optional Kiwi Neon Membership (Fees 999): Eligible for Lounge Benefits (Milestone Based) Pay through Kiwi UPI with Kiwi Klick Credit Card and get 2% Base Cashback and an accelerated cashback of 3/4/5% on spends of Rs 50K/100K/150K. (Otherwise, a flat 1.5% Cashback without Neon Membership) **Welcome benefit of 1499 NeuCoins is received only if joining fees is paid. Best RuPay Credit Card for UPI: Calculator UPI Cashback Calculator Redirect UPI Cashback Calculator: Kiwi vs SuperMoney vs Neu Card Avg Monthly Scan & Pay Merchant Spends (Rs.): Calculate Annual Savings Enter your average monthly spends and click ‘Calculate Annual Savings’. Which one is Right for You? Choosing the “best” card depends on your spending habits and priorities: For Maximum Cashback on UPI: If your primary goal is to get the highest possible cashback on UPI transactions with no limit, the Kiwi Klick Credit Card could be a strong contender. For Ecosystem Rewards: If you frequently shop at Tata brands like Big Basket or Croma, the HDFC Bank Tata Neu Infinity Credit Card is a no-brainer. Its rewards will quickly outpace others, even if it has an annual fee. For Highest Cashback on UPI: If your Monthly UPI Spends are below Rs 16,700 and if you want a straightforward, easy-to-use card with the highest cashback percentage on UPI, then just go for the Supercard Pro. All three cards are reliable and offer the fundamental benefit of being RuPay-enabled for UPI, a game-changer for digital payments. Make sure to check the latest terms and conditions, specific cashback rates, and ongoing offers before making your decision, as these can change frequently. Keep Spending! Keep Saving! We hope you liked our detailed comparison between the 3 best RuPay credit card for UPI. We would also recommend you to read our recent post: Flipkart Axis Credit Card vs superCard Pro. Keep Spending! Keep Saving!

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Multipl Referral Code 6G7WX | Get 250 Signup Bonus

September 21, 2025

Last Updated on 2 months by Saurabh Multipl Referral Code 6G7WX | Get ₹250 Signup Bonus Use Multipl Referral Code 6G7WX & Get ₹250 Signup Bonus Tired of seeing your money just sit there? What if you could make it work for you while saving for the things you want? Multipl is a unique app that lets you do just that. It’s not just about saving; it’s about “spendvesting”—investing your money for future purchases and getting rewarded for it. And if you’re ready to get started, I have a special offer for you. Signup with our Multipl referral code 6G7WX and get ₹250 on signup. Multipl Signup Link Your ₹250 Bonus with Multipl Referral Code When you sign up for Multipl using my referral code, you can unlock an exclusive bonus. It’s a simple, straightforward deal: You invest: ₹1750 on your first goal. (₹250 for 7 Days) You get: A ₹2,000 Amazon voucher. That’s a direct bonus of ₹250 on top of the money you’ve already invested. It’s a great way to start your journey with a boost. Here’s a step-by-step guide to claiming your reward: Download the App: Use this link to download the Multipl app on your phone: https://app.multipl.xyz/referral. Sign Up: Complete the quick and easy registration. Enter the Code: When prompted for an invite code, be sure to enter 6G7WX. This is key to getting your bonus. Invest on Your Goal: Invest ₹1750 by completing a goal within the app. Claim Your Reward: Once your goal is complete, the ₹2,000 Amazon voucher is all yours! #First_250_BONUS: This is an exclusive offer for the new signups through referral code. Act fast to ensure you get the full reward! Why Choose Multipl App? Multipl is more than just a savings app; it’s a new way to approach your finances. Earn from Your Savings: The money you invest is put into professionally managed mutual fund portfolios, giving your savings the potential to grow with market returns. Exclusive Brand Discounts: When you’ve reached your savings goal, you can unlock exclusive discounts from top brands, allowing you to save even more on your planned purchase. Invest with a Purpose: Multipl helps you save for specific goals, whether it’s a new gadget, a trip, or an appliance. This makes saving more intentional and rewarding. Ready to start saving and shopping smarter? Download the Multipl app today and use the referral code 6G7WX to get your bonus! Multipl Signup Link We hope you liked our blog post and we would also recommend you to read our latest blog post: SuperCard Pro vs Flipkart Axis Bank Credit Card or the blog on the super.money app. Invest then Spend!

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Massive News: HDFC Tata Neu Cards Now Lifetime Free, But Not for Long!

September 20, 2025

Last Updated on 3 months by Saurabh HDFC Tata Neu Cards Now Lifetime Free This is not a drill! HDFC Bank has just rolled out a limited-time, lifetime free (LTF) offer on its popular Tata Neu Infinity and Tata Neu Plus credit cards. If you’ve been on the fence about getting one of these cards, now is the time to act. This is a game-changing opportunity to get a co-branded card with incredible benefits without paying the annual fee. But remember, this is a limited-period offer and HDFC Bank has a history of ending such promotions without much notice. So, let’s dive into the details, the benefits you’ll get, and how you can get your hands on this card before the offer expires. Disclaimer: This blog may include partnered links, but this does not affect our rankings or reviews. Our goal is to provide unbiased information to help you make the best decision. HDFC Tata Neu Infinity Credit Card Apply Now Joining & Annual Fees: 0 & 1499 or Lifetime Free 10% back as NeuCoins on Shopping on Various Brands on Tata Neu (Including Neupass valueback) Upto 20% instant discount on spends during TATA PayDay Sale (including NeuPass offer) 1.5% NeuCoins on Other Spends and UPI spends through RuPay credit card through TATA Neu App Welcome Benefit: 1499 Neucoins on payment of Joining Fees Know More Minimum 5% back as NeuCoins on shopping on Tata Neu or TATA Brands 1.5% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends 1.5% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant Additional 5% back as NeuCoins for Elite NeuPass Members on transactions done on Tata Neu App/Website Complimentary Airport Lounge Access on minimum spend of Rs 50,000 last quarter (1/Quarter for International and 2/Quarter for Domestic Airport Lounges) HDFC Tata Neu Plus Credit Card Apply Now Joining & Annual Fees: 0 & 499 or Lifetime Free 7% back as NeuCoins on Shopping on Various Brands on Tata Neu (Including Neupass valueback) Upto 20% instant discount on spends during TATA PayDay Sale (including NeuPass offer) 1% NeuCoins on Other Spends and UPI spends through RuPay credit card through TATA Neu App Welcome Benefit: 499 Neucoins on payment of Joining Fees Know More Minimum 2% back as NeuCoins on shopping on Tata Neu or TATA Brands 1% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends 1% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant Additional 5% back as NeuCoins for Elite NeuPass Members on transactions done on Tata Neu App/Website Complimentary Airport Lounge Access on minimum spend of Rs 50,000 last quarter (1/Quarter for Domestic Airport Lounges but no International Lounge Access) Who is this Offer for? This HDFC Tata Neu Cards now lifetime free offer is specifically for new card applicants. If you’re an existing HDFC Bank customer with a different credit card or you’ve been waiting for the right moment to apply, this is your chance. If you are not getting the LTF offer then wait as it might be soon rolled out for all the customers. Note that existing Tata Neu cardholders are not eligible for this specific offer but they can request the HDFC Credit Card team to convert the card into LTF through email. How to Apply and Get Tata Neu Card as LTF The process is simple and can be completed digitally. Download the Tata Neu App: The application process is primarily done through the app’s Card Section or just use our invite link. Don’t forget to use our Tata Neu Card Referral Code SAUR1137 for the signup benefits. Check LTF Credit Cards Offer: Check whether the card is offered LTF or not. Fill the Application: Enter your details and complete the application form. Complete the KYC: You may be required to complete a video KYC. Ensure you have your PAN card and a blank sheet of paper ready. Wait for Confirmation: If your application is approved, you will get the lifetime free card without the welcome benefits that are typically associated with the paid version of the card. Suggestion: Apply for Tata Neu Infinity Card if offered LTF and if not then you can wait for the same. Hey Readers, We hope you found Credit Cult’s recommendations helpful in selecting the best credit card for your shopping needs. For additional insights, don’t miss our exclusive post where we reveal the best credit cards in India that offers railway lounge access. If you’re also looking for expert guidance in international trade, feel free to contact Goodman Exim Consulting for top-notch EXIM consulting services. Happy reading, and enjoy your journey with the right credit card! – Saurabh, Credit Cult

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SuperCard Pro vs Flipkart Axis Card | Which Credit Card is Better?

September 20, 2025

Last Updated on 3 months by Saurabh SuperCard Pro vs Flipkart Axis Card Flipkart offers two co-branded credit cards that promise exciting rewards and benefits for its loyal shoppers: the Flipkart Axis Bank Credit Card and the SuperCard Pro (by Flipkart’s Super.Money). While both are designed to enhance your shopping experience on the platform, they cater to slightly different user profiles. SuperCard Pro vs Flipkart Axis Card, so, which one is better for you? Let’s break down the features and help you decide. Disclaimer: This blog may include affiliate links. They help support our work but don’t affect product rankings/reviews. Our recommendations are based on unbiased evaluations & personal experience. SuperCard Pro: UPI Champion Apply here SuperCard Pro is issued by the super.money app, which is a key part of the Flipkart ecosystem. Unlike the direct co-branded card, the superCard Pro is on the RuPay network and is a lifetime free card, focusing on cashback for UPI transactions and being a lifetime free credit card. Key Benefits: 3% Cashback on superUPI: This is a major benefit for those who frequently use UPI for payments as it offers flat 3% cashback up to Rs 500 per statement cycle. 1% Cashback on all other eligible spends: A solid cashback rate for all your other purchases. Exclusive Cashback Offers: On OLA, Myntra, MakeMyTrip and more. Promotional Discounts: Flipkart occasionally promotes it with discounts and cashbacks. 1% Fuel Surcharge Waiver: This is applicable on transactions between ₹400 and ₹4,000, with a maximum benefit of ₹400 per statement cycle. Lifetime Free Credit Card: This card has no joining or annual fees, which makes it a great option for users who want a card without recurring costs. Who is it best for? SuperCard Pro is perfect for users who want to maximize rewards on their UPI transactions. It’s a great, no-fee option for those who want a simple, everyday-use card that offers consistent cashback. Flipkart Axis Bank CC: Cashback Champion Apply here The Flipkart Axis Bank Credit Card is arguably the more popular and straightforward of the two. It’s a pure-play cashback card that rewards you generously for your spending, especially on Flipkart and its partner merchants. Key Benefits: 5% & 7.5% Cashback on Flipkart and Myntra: This is the star attraction. For every rupee you spend on these platforms, you get more than 5% back directly to your account. 4% Cashback on Preferred Merchants: Enjoy 4% cashback on popular food delivery apps, travel, entertainment, and more. (Swiggy, Uber, PVR, Cult, etc.) 1% Cashback on All Other Spends: For everything else, you still get a decent 1% cashback, making it a good all-rounder for your daily expenses. Promotional Discounts: Flipkart occasionally promotes it by offering discounts and cashbacks. Welcome Benefits: Often includes a Flipkart voucher (worth up to Rs 1250), discounts on various platforms, and sometimes a waiver of the first year’s annual fee. Fuel Surcharge Waiver: A 1% fuel surcharge waiver at all petrol pumps across India. Who is it best for? The Flipkart Axis Bank Credit Card is ideal for frequent online shoppers, especially those who primarily use Flipkart, Myntra, and other partner apps for their purchases. If you love direct cashback and a simple rewards structure, this card is a strong contender. Which One Should You Choose? SuperCard Pro vs Flipkart Axis Bank Credit Card The choice between the two largely depends on your spending habits and preferences: Choose the Flipkart Axis Bank Credit Card if: You prefer direct cashback and want to maximize rewards on your Flipkart and Myntra purchases. You frequently shop on the specified partner platforms (Swiggy, PVR, Uber, etc.). You frequently travel through Cleartrip. Choose the superCard Pro if: You frequently make payments using UPI. You want a credit card that is lifetime free with no annual fees. You are looking for a rewarding and simple, no-fuss card for everyday spending. Cult Comparison: SuperCard Pro vs Flipkart Axis Credit Card Credit Cult Conclusion The choice between the two credit cards ultimately comes down to your spending habits and financial goals. The Flipkart Axis Bank Credit Card is the superior choice for maximizing cashback on online shopping platforms, especially for Flipkart loyal shoppers, while the SuperCard Pro is an unparalleled option for maximizing rewards on UPI payments and enjoying a lifetime free card. By understanding their unique propositions and how they fit into your spending, you can confidently choose the card that is the perfect financial tool for you. We hope you liked this blog post comparing the SuperCard Pro and Flipkart Axis Bank Credit Card. But, if you want to get the better benefits from the upcoming Flipkart Big Billion Days Sale then you should definitely go for the Flipkart Axis Bank Credit Card. To maximize benefits in the upcoming sale then we would recommend you to also read our previous post: Must Have Credit Cards for Big Billion Days & Great Indian Festival. Keep Spending! Keep Saving!

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Must Have Credit Cards for Big Billion Days & Great Indian Festival

September 18, 2025

Last Updated on 3 months by Saurabh Must Have Credit Cards for the Upcoming Flipkart & Amazon Sale The air is buzzing, notifications are flooding in, and your wish list is growing longer by the minute – it can only mean one thing: the Amazon Great Indian Festival and Flipkart Big Billion Days are almost here! These annual shopping extravaganzas bring unbeatable deals, but savvy shoppers know that the real game-changer isn’t just about finding discounts, it’s about maximizing your savings with the right credit card. Forget scrambling last minute. We’ve handpicked five essential credit cards that will supercharge your savings during these epic sales. Get ready to turn those great deals into unbelievable steals! 1. SBI CashBack Credit Card Apply here Why it’s a Must Have: It offers a flat 5% cashback on all online spends (up to Rs 5,000 per statement cycle). This means whether you’re shopping on Amazon, Flipkart, or any other e-commerce site, you’re getting a significant percentage back. Sale Strategy: This card is a perfect alternative for both the Flipkart and Amazon Shoppers (though does not offer unlimited cashback like Amazon Pay ICICI), or if you’re shopping on other sites that don’t have dedicated co-branded cards. It’s your universal online savings tool. 2. Axis My Zone Credit Card Apply here Why it’s a Must Have: Axis Cards will offer a flat 10-15% discount during the Flipkart Big Billion Days, and with discounts on Myntra, Swiggy, and complimentary lounge access, this card ensures you’re not just saving on products but also on entertainment and food while you take a break from your shopping spree. Sale Strategy: This card isn’t good just to shop through Flipkart but also provides offers on utilities, food orders, movies and more. 3. SBI SimplyCLICK Credit Card Apply here Why it’s a Must Have: SBI Credit Cards will offer a flat 10% discount during the Amazon Great Indian Sale. The cost of owning this variant is minimal: Rs 500 for Joining and Annual Fee, and offers Rs 500 Amazon Voucher on payment of joining fees and more milestone benefits. Sale Strategy: This card doesn’t have much lucrative benefits. It is just a low-cost SBI card for online shopping, especially, for the SBI Card discounts during Amazon Sales. 4. Amazon Pay ICICI Credit Card Apply here Why it’s a Must Have: It provides a phenomenal cashback percentage on Amazon purchases (up to 5% for Prime members, 3% for non-Prime) and the best part? The cashback is credited directly to your Amazon Pay balance, ready for your next purchase. Plus, it has no annual fee! Sale Strategy: Use this for all your Amazon purchases. The cashback sometimes stacks with instant bank discounts, leading to incredible double-digit savings during the Great Indian Festival. 5. Flipkart Axis Bank Credit Card Apply here Why it’s a Must Have: It provides a generous 5% cashback on Flipkart and 7.5% cashback on Myntra purchases (up to Rs 4,000/month). This direct cashback is fantastic, especially when combined with the instant discounts offered by various banks during the sale period. Sale Strategy: Make this your primary card for all Flipkart and Myntra splurges. Up to 7.5% cashback on top of other offers ensures you’re squeezing every last drop of savings out of your purchases. Exclusive offer for Flipkart Axis Cardholders: Claim iPhone 16 at just Rs 48,399 during BBD sale. Ready to Conquer the Upcoming Sales? Having these credit cards in your wallet (or digitally saved!) can make a significant difference in how much you save during the Amazon Great Indian Festival and Flipkart Big Billion Days. Remember to always check the specific offers and terms and conditions during the sale period, as banks often roll out additional instant discounts that can be stacked with your card’s existing benefits. Happy shopping, and may your savings be plentiful! We hope you liked this detailed guide to get the best benefits out from the upcoming Amazon and Flipkart Sales. We would also recommend you to read our latest blog on Swiggy HDFC Bank Credit Card, to know its benefits and a detailed review on it. Keep Spending! Keep Saving!

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amazon pay icici credit card recent changes

Amazon Pay ICICI Credit Card: Did Your Card Really Got Better?

September 15, 2025

Last Updated on 3 months by Saurabh Amazon Pay ICICI Credit Card The Amazon Pay ICICI Credit Card has long been celebrated as one of India’s most popular co-branded credit cards, with over 5 million customers. Its appeal lies in a simple, transparent rewards system and the promise of a lifetime free card with unlimited cashback. However, a recent renewal of the partnership between Amazon Pay and ICICI Bank has brought significant changes that every cardholder should be aware of. While the bank and Amazon position these changes as an “enhancement,” the reality is more nuanced. Amazon Pay ICICI Credit Card: Benefits The Amazon Pay ICICI card was a popular choice for both online and offline spending. No Annual or Joining Fees: The card is lifetime free, meaning there are no joining or annual fees. Welcome Benefits: Many Welcome Benefits worth 2,000 on signup. (Shopping/Utility Rewards) High Cashback on Amazon: It provides unlimited 5% cashback on all Amazon India purchases for Prime members and 3% for non-Prime members. Other Cashback Rates: Cardholders could earn unlimited 2% cashback on all utility payments and transactions with Amazon Pay merchant partners and 1% cashback on all other online/offline spends outside of Amazon. Fuel Surcharge Waiver: It offered a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000. Know More! Recent Changes: A Breakdown The email received from them focuses on the positive changes, but a deeper look reveals some significant devaluations for a large number of users. Effective October 11, 2025, the Amazon Pay ICICI Bank Credit Card will have these changes: What Became Better: Reduced Forex Markup: For those who travel or make international purchases, this is a clear win. The forex markup on international transactions has been reduced from 3.5% to just 1.99%. Travel Cashback: Prime members can now enjoy 5% unlimited cashback on flights and hotels booked via Amazon Pay, while non-Prime members get 3%. What Became Worse (Devaluations): Loss of Universal 1% Cashback: The most significant negative change is the expansion of the exclusion list for cashback. Previously, the card’s universal 1% cashback on other spends outside of Amazon made it a great general-purpose card. Now, a wide range of categories, including rent, tax, education, and utilities, are explicitly excluded from earning any cashback. This is a major devaluation for many users who relied on the card for these specific types of payments. Similar Credit Card Alternatives If the Amazon Pay ICICI card no longer meets your needs, especially for general spending, here are some alternatives worth considering. SBI Cashback Card: A strong contender for online shoppers. Offers a flat 5% cashback on all online spends, without any merchant restrictions. 1% cashback on offline transactions. The Card offers maximum 5,000 cashback/month. The cashback is auto-credited to your account, so there is no hassle of point conversion. Annual fee of Rs. 999, which is waived if you spend Rs. 2 lakh in the previous year. Flipkart Axis Bank Credit Card: A direct alternative for those who prefer Flipkart. It comes with welcome benefits worth Rs 1,250. Offers 5% and 7.5% cashback on Flipkart and Myntra, and 4% cashback on partner merchants like Swiggy, Uber, and PVR. Flat 1% unlimited cashback on all other spends. The cashback is directly credited to the credit card account and offers a maximum cashback of up to Rs 4,000/month. Enjoy all these benefits for just Rs 500 as a joining fee and Rs 500 annually (which can be waived off on annual spends over Rs 3.5 lakh). Swiggy HDFC Credit Card: This is an all-rounder credit card. 10% cashback on Swiggy Food, Instamart, Dineout and Genie up to Rs 1,500/month. Flat 5% Cashback on 1000s online platforms: Fashion, cabs, electronics, movies and more (Note: It offers 1% cashback on competitor segment apps like Zepto, Zomato, etc. excluding Amazon & Flipkart on any shopping including grocery.) 1% Cashback on other spends at offline stores and other food, grocery and dining apps Welcome Benefit: Swiggy One Membership All these benefits for No Joining Fees and Annual Fees of Rs 500/month and the cashback is directly credited into the account. Credit Card Conclusion While the Amazon Pay ICICI Bank Credit Card remains a great option for its core purpose—shopping on Amazon and now for international travel—it has lost its standing as a solid, all-purpose cashback card. The new exclusions on categories like rent, taxes and utilities are a significant drawback for many users. The card’s value is now more specialized, and for those seeking a more versatile cashback card, competitors like the SBI Cashback Card, Flipkart Axis Bank Credit Card and HDFC Swiggy Credit Card offer a great value proposition. We hope you liked this detailed blog post on the recent changes in the Amazon Pay ICICI Bank Credit Card. Also, read our latest blog know more about the Swiggy HDFC Bank Credit Card, its benefits and a detailed review on it. Keep Spending! Keep Saving!

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Cred Launches 18 Carat Gold Credit Card | IndusInd RuPay Card

September 15, 2025

Last Updated on 3 months by Saurabh Cred Launches 18 Carat Gold Credit Card: Sovereign for the Ultra-Wealthy Kunal Shah’s Cred launches 2 credit cards for its users. The fintech brand trusted by India’s top credit scorers, has raised the bar for luxury in finance. In collaboration with IndusInd Bank, the company has unveiled Sovereign, an invite-only 18-Carat Gold Credit Card. This exclusive launch is part of Cred’s new “Yosemite” release, which goes beyond bill payments to offer premium lifestyle benefits, wealth-building tools, and luxury travel privileges. Along with that, they have also introduced an IndusInd Cred RuPay Credit Card available for all its users. Before we begin, if you haven’t signed up for the Cred App yet then you can signup for the app with our Cred Invite Link. Sovereign Card: What Makes It Special? The Sovereign card isn’t just a symbol of wealth—it’s a gateway to an elite lifestyle. Issued on the RuPay EKAA platform with IndusInd Bank, the card comes packed with rare privileges: Key Benefits of the Sovereign Card Luxury Concierge ServicesAccess private jets, helicopters, and yachts, along with priority visa concierge services. Exclusive Access to Global EventsVIP entry to Wimbledon, the Olympics, Formula One races, and world-famous fashion weeks in Paris, Milan, London, and New York. Private Cultural AccessOn-demand, private tours of renowned museums and art galleries across the globe. Premium Investment OpportunitiesSyndicated access to early-stage startup deals alongside top angel investors. Elite Airline & Hotel StatusComplimentary upgrades to Singapore Airlines Solitaire, Emirates Platinum, Hilton Diamond, and Marriott Ambassador. Health & WellnessGlobal medical coverage, international telemedicine, and a 1-year subscription to Bryan Johnson’s Blueprint longevity program. Cred’s Wider Play: Not Just for the Ultra-Rich Alongside Sovereign, Cred also introduced a co-branded IndusInd Bank RuPay credit card for a broader audience. Benefits of the Cred-IndusInd Credit Card No Joining Fee 5% rewards on online purchases 1% rewards on offline & UPI payments via Cred Scan & Pay Every Reward Point is equal to a rupee and can be redeemed across more than 500 CRED Pay merchants, 2000 products on CRED Store, flights, and more. Similar Co-branded Cards: 5% Cashback on Online Spends SBI Cashback Credit Card Flipkart Axis Credit Card Swiggy HDFC Bank Credit Card FAQs on Cred’s 18 Carat Gold Credit Card 1. Who can get Cred’s 18 carat gold credit card?The Sovereign, Cred’s 18 Carat Gold Credit Card is invite-only and aimed at India’s ultra-wealthy with high credit scores. 2. Is there a joining fee for the Sovereign card?Cred hasn’t disclosed the fee, but given its exclusivity, it is expected to be premium. 3. What makes the Sovereign card different?Unlike regular credit cards, it offers access to private jets, VIP global events, startup investments, and elite travel memberships. 4. Can I apply for the Sovereign card?No. It’s invitation-based only. Cred will reach out to select members who qualify. 5. What about regular users?Cred has also launched a free co-branded IndusInd credit card with 5% rewards on online shopping. Final Thoughts With the launch of Sovereign, Cred is redefining what luxury in finance looks like. The 18-carat gold credit card isn’t just about its shiny appeal—it’s a ticket to an ultra-exclusive world of privilege. At the same time, Cred is broadening its appeal with a lifetime free rewards (RuPay) credit card, fixed deposits, and digital gold investments, making its ecosystem useful for both the ultra-rich and everyday users. But if you haven’t signed up for the Cred App yet you can signup with our invite link shared below. Signup for Cred We hope you liked this blog post and we would recommend you to also read our blog Best Credit Cards for Shopping | Top 4 Co-branded Credit Cards. Disclaimer: This blog may contain affiliate links but it doesn’t affect our review and rankings.

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iPhone 16 Best Deal: Get iPhone 16 Under Rs 50,000 | Sept’25

September 13, 2025

Last Updated on 3 months by Saurabh iPhone 16 Best Deal: Get iPhone 16 Under Rs 50,000 The wait is over! If you’ve been dreaming of owning the iPhone 16 without spending a fortune, your patience is about to pay off. As part of Flipkart’s Big Billion Days Sale, the highly sought-after iPhone 16 (128GB) is set to be available for a jaw-dropping price of Rs 48,499. This isn’t just an iPhone 16 best deal; it’s the biggest iPhone discount of the year. The Deal: iPhone 16 at just ₹48,499 Flipkart has revealed the iPhone 16 best deal to be live during the Flipkart’s Big Billion Days Sale. It is an exclusive offer for Flipkart Axis Bank Credit Card holders that brings the price of the iPhone 16 down to an unbelievable ₹48,499. This is an effective price that combines a significant flat discount with the special bank offer. Here’s how the pricing works: Offer Component Amount (₹) Flipkart Sale Deal Price ₹51,999 Instant Discount –₹1,053 Cashback (5% via Card) –₹2,547 Final Price ₹48,399 Effective Price = ₹48,499* The Big Billion Days Sale officially starts on September 23rd, 2025. However, Flipkart Plus and Black members will get early access starting on September 22nd. This is your chance to beat the rush and secure the phone before stocks run out. Key Benefits: Flipkart Axis Bank Credit Card This card is more than just a tool for festival sales; it’s a long-term savings partner for online shopping. Here are some of its core benefits: Flat 5% Cashback on Flipkart: You get 5% cashback upto Rs 4,000/month on all your purchases on the Flipkart platform. This cashback is credited directly to your credit card statement, not as a voucher or store credit. Up to 7.5% Cashback on Myntra: Enjoy up to 7.5% cashback on all your shopping sprees on Myntra. 4% Cashback on Partner Merchants: The benefits extend beyond Flipkart. Get 4% cashback on preferred partners like Swiggy, Uber, PVR, and Cult.fit. Unlimited 1% Cashback: Offline transactions and all other eligible transactions outside of the partner list still earn you an unlimited 1% cashback. Enjoy all these benefits with an annual fee of Rs 500 that can be waived off on annual spends over Rs 3.5 lakh. This card is a must-have for anyone who frequently shops online and especially from Flipkart. Apply for the Flipkart Axis Bank Credit Card and get Gift Vouchers worth Rs 1250, from Flipkart, on signup and to get the best deal on the iPhone 16. Apply Now! Hey, we hope you found this blog post insightful. Alternatively, if you are looking for more of an all rounder cashback card that gives 5% cashback on all your online spends then you may apply for the SBI Cashback Credit Card. We would also recommend you to read our last blog to discover our top 5 recommended best credit cards that offer airport/railway lounges for free. Previous Blog: Top 5 Lifetime Free Credit Cards with Lounge Access Disclaimer: This blog may contain affiliate links but it doesn’t affect our reviews/rankings.

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Top 5 Lifetime Free Credit Cards with Lounge Access

5 Best Lifetime Free Credit Cards with Lounge Access | Oct’2025

September 11, 2025

Last Updated on 3 months by Saurabh Our Top 5 Lifetime Free Credit Cards with Lounge Access in India! We all love the comfort of lounge while travelling, but who wants to pay an annual fee for it? This guide reveals the top 5 lifetime free credit cards that offer complimentary lounge access. We’ve done the research to help you find the perfect card for your travel needs, without any annual charges. Get ready to elevate your journey—for free. Disclaimer: This blog may include affiliate links. They help support our work but don’t affect product rankings/reviews. Our recommendations are based on unbiased evaluations & personal experience. List of Top 5 Lifetime Free Credit Cards with Lounge Access: HDFC Tata Neu Infinity Credit Card Indusind Tiger Credit Card IDFC First Select Credit Card Ixigo AU Credit Card Federal Scapia Credit Card Cult Comparison Table Credit Cult Conclusion #Best: HDFC Tata Neu Infinity Credit Card Key Features: 8 Domestic & 4 International Lounge Access 10% Valueback on Shopping (Neu App) 5% Valueback on Recharge and Bills 20% Valueback during PayDay Sale 1.5% Cashback on Neu UPI (RuPay Variant) You may get LTF (Annual Fees: 1499 + GST) Apply Now Other Features Welcome Benefits of 1,499 NeuCoins (If joining fees of Rs 1,499 is paid) 2 Domestic and 1 International Lounge Access are offered every quarter on spending minimum Rs 50,000 in the last quarter. Milestone Benefits are often offered by HDFC NeuPass Rewards Program (Often ran during TATA IPL) 1.5% Cashback on EMI spends at TATA Brands Joining Fees: 0 & Annual Fees: Rs 1499 1% Fuel Surcharge Waiver #If you don’t initially receive the HDFC Tata Neu Infinity Credit Card as a lifetime free option, consider contacting HDFC Bank to request a conversion. Banks often accommodate such requests based on your relationship and spending patterns. This way, you can enjoy all the benefits without worrying about annual fees. Pros & Cons Pros: You may get it as Lifetime Free Credit Card Best Valueback on TATA Brands (especially spends through TATA Neu App) Best Valueback on Utilities Payment Payments through UPI and Cashback on it Cons: You may not get it as Lifetime Free Credit Card Railway Lounge Access is not offered No offers on Non-TATA E-commerce brands (like Amazon, Flipkart, Myntra, and more) #2. IndusInd Tiger Credit Card Key Features: Lifetime Free Credit Card 2 Domestic Lounge Access per Quarter 2 International Lounge Access per Year No minimum spend required for Lounge One Complimentary Movie Ticket up to Rs 500, available once every 6 months Apply Now Other Features 1 Complimentary Golf game per quarter Up to 6 Accelerated RPs for every Rs 100 spent Pros & Cons Pros: Offers both Domestic and International Lounge Access No minimum spend requirement for Lounge Lifetime free Complimentary Movie Tickets offered Cons: Railway Lounge Access is not available No online shopping benefits No benefit on payment of Utilities #3. IDFC First Select Credit Card Key Features: Lifetime Free Credit Card 4 Railway Lounge Access every quarter 2 Domestic Airport Lounge every quarter Welcome Benefit: 500 on spend of 15,000 B1G1 movie ticket offer, twice every month 5% cashback on your first EMI transaction (within first 90 days) Apply Now Other Features 10X reward points on all transactions you make on your birthday 15% off at 3,000 plus health and wellness outlets Enjoy free Road Side Assistance (RSA) of up to Rs.1,399 Pros & Cons Pros: Only Lifetime Free Card also offering Railway Lounge Access Welcome Benefit of Rs 500 on a spend of Rs 15,000 Cons: No International Lounge Access Offered Does not offer good Valueback on online/offline shopping Does not offer valueback on Utility payments #4. Ixigo AU Credit Card Key Features: Lifetime Free Credit Card 2 Domestic Lounge per Quarter 1 International Lounge per year 8 Railway lounge access visits per year Lounge available on minimum spending of Rs 20,000/Quarter 5% reward points on all online spends Apply Now Other Features Rs 1000 Ixigo money on first transaction within first 30 days Zero Forex Markup Fee Pros & Cons Pros: Great Valueback offered under the Around You offer segment Lifetime free card Get it against FD if not credit history Occasional Exclusive Deals are offered Enhanced security through app based transaction approvals and card control Cons: Milestone based lounge access Does not offer valueback on Utility payments #5. Federal Scapia Credit Card Key Features: Lifetime Free Travel Card Unlimited domestic lounge, complimentary dining, shopping or spa (Milestone-based) 10% reward on online & offline spend Zero forex markup on all international transactions Apply Now Other Features Unlimited Airport benefits are offered on spending ₹10,000 on VISA or ₹15,000 on Rupay card every month. Pros & Cons Pros: Just a Lifetime Free Travel Credit Card Cons: No good Valueback on other spends No valueback on Utilities payments No International Airport or Railway lounge benefits Cult Comparison Table Credit Cult Conclusion Among them the HDFC Tata Neu Infinity Credit Card stands out offering not just travel benefits but 10% value back within Tata Neu App. But if, you are looking a credit card just for Travel/Lounge Needs then AU Ixigo Credit Card stands out covering all the aspects of travel benefits. In conclusion, while all five credit cards offer enough free lounge access, your ideal choice depends entirely on your spending habits and travel style. Whether you want an all-rounder like Tata Neu Infinity Credit Card or a credit card offering all lounges in one like AU Ixigo Credit Card. Remember to use the card responsibly and pay off your balance in full each month to avoid interest charges. Happy spending! Hey Readers, We hope you found Credit Cult’s recommendations helpful in selecting the best credit card for your needs. For additional insights, don’t miss our exclusive post where we reveal the best credit card in India that offers railway lounge access. It’s a fantastic option if you’re looking for complimentary lounge benefits. Happy reading, and enjoy your journey with the right credit card! – Saurabh, Credit Cult

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