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5 Best Credit Cards to Buy Gold Online | Maximize Cashbacks

5 Best Credit Cards to Buy Gold Online | Maximize Cashbacks

Buying jewelry is one of the most preferred investment option as well as the most significant expenses for Indian households, especially during weddings or festive seasons. While most banks are tightening their belts and excluding “Gold & Jewelry” from their rewards programs, there are still some “hidden gems” that can save you thousands. Here is your definitive guide to the Best Credit Cards for Jewelry Purchases in 2026. 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 an informed decision. 5 Best Credit Cards to Buy Gold Online In this blog, we’ve reviewed 5 best credit cards to buy gold online and maximize your savings. Based on our analysis of value back, its cost and overall benefits, here’s our detailed recommendation: 1. SBI Cashback Credit Card: The King Apply Now Joining & Annual Fees: ₹999 + GST Offers: 5% Cashback up to ₹5,000/month The Hack: Buy gift vouchers for platforms like Tanishq, Kalyan, or Amazon from reward platforms like CRED App or other eligible portals. You get upfront discount plus 5% Cashback on the voucher purchase (online spend), which you then use to buy gold. 2. Swiggy HDFC Credit Card: 10% Cashback Apply Now Joining & Annual Fees: ₹500 + GST or Lifetime Free Offers: 10% Cashback on Swiggy Platform (up to ₹1,500/statement) The Hack: Buy Gold Coins (1g per month for best rate) through Swiggy Instamart and get 10% Cashback up to ₹1500 per statement cycle. (I myself got cashback for MCC: BUNDL TECHNOLOGIESBENGALURU) 3. Tata Neu Infinity Credit Card Apply Now Joining & Annual Fees: ₹1,499 + GST or may offer as LIfetime Free Offers: 5% NeuCoins on Big Basket and Tanishq (Extra Neucoins on purchase through Tata Neu App) The Hack: Buy Gold Online through Big Basket or Tanishq (Online/Offline) and Get 5% cashback as Neucoins. OR buy vouchers through Tata Neu’s Gift Card section and earn 5% or more neucoins as cashback. 4. Amazon Pay ICICI Credit Card Apply Now Joining & Annual Fees: Lifetime Free Offers: Unlimited 5% Cashback on shopping through Amazon as Amazon Pay Balance (Gold Coins/Bars are ineligible for cashback) The Hack: Buy Gold Pendants/Rings online through Amazon and Get Unlimited 5% Cashback on it (along with promotional jewelry cashback offers). 5. Amex Platinum Travel Credit Card Apply Now Joining & Annual Fees: ₹3,500 (1st year) / ₹5,000 (2nd year onwards) Offers: Roughly 8-10% value back when redeemed for travel or Marriott Bonvoy stays. The Hack: Use it for large jewelry purchases to hit spend milestones. Spending ₹4 Lakh in a year (easy to do during wedding shopping) nets you over 48,000 Membership Reward points and ₹10,000 in Taj vouchers. Conclusion: Which Card Should You Pick? Choosing the right card for jewelry depends entirely on how you shop. If you’re a savvy deal-hunter, the SBI Cashback card + Voucher hack offers the best versatility. For those buying gold coins or small gifts, the Swiggy HDFC card provides an unbeatable 10% return. However, if you are planning a massive purchase for a wedding, the Amex Platinum Travel remains the heavyweight champion for milestone rewards. Whichever you choose, always remember to check the merchant’s MCC code and avoid EMI transactions if you want to keep your reward points intact! Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results. Interested in Federal Scapia Credit Card? I would highly recommend you to checkout my personal review blog on Federal Scapia Credit Card and discover everything you should know about it before applying for it.

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Jupiter Edge+ CSB Bank RuPay Credit Card | 10% Cashback Card

Jupiter Edge+ CSB Bank RuPay Credit Card | 10% Cashback Card

Jupiter Edge+ CSB Bank RuPay Credit Card Review Annual Fees: Lifetime Free Benefits: 10% Cashback on Shopping Best for: Online Shoppers Reward Type: Jewels (5 Jewels = ₹1) Rating: Apply Here Is there any credit card offering 5% Cashback or more on Online Spends? Still stuck at 5% Cashback? The Jupiter Edge+ CSB Bank RuPay Credit Card is offering 10% cashback on online shopping spends. Not enough? It’s a Lifetime Free Credit Card with a joining fee of just ₹999 (and that too waived off during promotions). Checkout our complete review post to explore whether the 10% cashback card is just a marketing gimmick or really worth it? Let’s dive in. Table of Contents About Jupiter App and The EDGE+ CSB Card Jupiter Edge+ CSB Card: Fees & Charges Key Features & Benefits How to Apply for Jupiter Edge+ Card? How does the 10% Cashback works? Pro Tips for Maximum Value Competitor Comparison Final Verdict: Is Kotak 811 Super Worth It? About Jupiter App and The EDGE+ CSB Card Jupiter Edge+ CSB Card: Fees & Charges Key Features & Benefits How to Apply for Jupiter Edge+ Card? How does the 10% Cashback works? Pro Tips for Maximum Value Competitor Comparison Final Verdict: Is Kotak 811 Super Worth It? About Jupiter App and Edge+ CSB Credit Card Launched in 2021, Jupiter is a fintech app, providing a common platform for personalized-digital banking (with a zero-balance account), utility payments, financial management and more. Later, Jupiter App has partnered with CSB Bank and launched 2 co-branded credit card variants: Jupiter Edge CSB Bank RuPay Credit Card (DISCONTINUED), and Jupiter Edge+ CSB Bank RuPay Credit Card. Both are lifetime-free cards available for signup exclusively through the Jupiter app. In this blog, we will review the Edge+ Card variant as the Jupiter Edge CSB Bank RuPay Credit Card is discontinued and will stop working by 31st January, 2026. Jupiter Edge+ CSB Card: Fees & Charges Joining Fees: ₹999 + GST (Waived off until 31st January, 2026) Annual Fees: Lifetime Free Note: As already shared, the joining fees of ₹999 (plus GST) is completely waived off, if, the user applies and completes the signup process within the promotional period. Key Features and Benefits Welcome Benefit: Apply through any Jupiter Invite Link and Get 1-year Jio Hotstar subscription. Joining Fee: It is a Lifetime Free Credit Card but comes with a joining fee of ₹999 (plus GST) that can be waived off during promotional period (till 31st January, 2026). Annual Fees: Zero Annual Fee (Lifetime Free Card) 10% Cashback: Offers 10% value back up to ₹1,500/month on online shopping category, BUT, with a limit of ₹500/merchant. 5% Cashback: Offers 5% value back up to ₹1,000/month on online travel category. 1% Cashback: Offers 1% value back up to ₹1,000/month on other online and offline spends (including merchant scan & pay UPI). Lounge Access: Offers 1 Domestic Airport Lounge Access per quarter but requires a spend of ₹90,000 in the previous quarter. RuPay Network: Jupiter Edge+ CSB Bank Credit Card is issued under the RuPay payment network giving access to Credit Card on UPI. Disclaimer: The Welcome Benefits for sign-ups via referral (including the Annual JioHotstar subscription and Zero Joining Fee) are promotional offers valid until January 31, 2026, and are subject to change. Jupiter Edge+ Referral Code: IzeuXB How to Apply for Jupiter Edge+ CSB Bank Credit Card? Applying for the Jupiter Edge+ Credit Card is typically a seamless, digital process through the Jupiter app. Download the App: Download the Jupiter app and set up your account. Navigate to Credit Cards: Look for the credit card section within the app. Check Eligibility: The app will guide you through checking your eligibility based on your credit score and other factors. Complete Application: Follow the on-screen instructions (like PAN & Aadhar Validation, Personal & Occupation Details, Selfie Verification) and then complete the process with Video KYC verification. Jupiter Edge+ General Eligibility Requirements Age over 21 CIBIL > 700 Salaried or Self Employed Monthly Income > ₹25,000 Personal Experience: For me, the card was approved and the limit was assigned within an hour. It has a super smooth and fast Video KYC Verification. No Physical Verification of home or work place. Virtual Card was activated instantly and the physical card was delivered within 3 days. How Does the 10% Cashback Work? The Jupiter Edge Plus CSB Bank Credit Card operates on a three-tier cashback system. Rewards are credited as Jewels (5 Jewels = 1 INR), which can be redeemed for cash, gold, or vouchers. 10% Cashback on Online Shopping Spends Eligible Brands: Amazon, Flipkart, Myntra, Ajio, Nykaa, Croma, Reliance Digital, Trends, Westside and Tata Cliq. The Monthly Cap: ₹1,500 total. The Merchant Cap: Maximum Cashback of ₹500/brand (e.g., if you spend ₹10,000 on Amazon, you only get cashback on the first ₹5,000 spent). 5% Cashback on Online Travel Spends Eligible Brands: MakeMyTrip, EaseMyTrip, Yatra, and Cleartrip. The Monthly Cap: ₹1,000 total. 1% Cashback on Other Spends (including UPI) Eligible Spends: All other online and offline transactions, including UPI “Scan & Pay.” The Monthly Cap: ₹1,000 total. Jupiter Edge+ CSB Bank Credit Card Exclusions Jewels are not awarded for certain merchant categories classified under the following Merchant Category Code (“MCC”) as stipulated by the Bank’s network partners. This list is as follows: ● Fuel spends ● Govt related transactions ● Rent payment transactions ● Utility bill payments (electricity, gas, etc.) ● Wallet loads / gift or prepaid card loads / voucher purchase ● Cash advances ● Payment of Outstanding Balances ● Payment of card fees and other charges ● All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc.) Jewels are not awarded for certain merchant categories classified under the following Merchant Category Code (“MCC”) as stipulated by the Bank’s network partners. This list is as follows: ● Fuel spends ● Govt related transactions ● Rent payment transactions ● Utility bill payments (electricity, gas, etc.) ● Wallet loads / gift or prepaid card loads / voucher purchase ● Cash advances ● Payment of Outstanding Balances ● Payment of card

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kotak 811 review

Kotak 811 Review: 5% Super Cashback | Trick to Skip Rs 399 Fee

Kotak 811 Review | 5% Super Cashback Card Annual Fees: ₹399/year Benefits: Zero Balance A/c Best for: Everyone (Casual Users) Reward Type: Super Cashback (Bank) Rating: Apply Here Stop Letting Bank Fees Eat Your Savings: Is Kotak 811 Really “Zero Cost”? Are you tired of maintaining a high minimum balance just to keep your bank account active? If so, you’ve likely come across the Kotak 811 Zero Balance Account. But with so many variants now available, is the standard version enough, or should you upgrade to Kotak 811 Super? In this guide, I’ll break down both the Kotak 811 variants based on my personal experience of using them for a year now. Most importantly, I’ll share two hacks at the end: How I consistently claim 5% cashback with my super 811 debit card and how I got the ₹399 joining fee returned. Let’s dive in and see if this is the right home for your money. Table of Contents About Kotak 811 Kotak 811: Key Features & Benefits Kotak 811 Savings Variants: Key Differences How to Open Kotak 811 Account? 5% Cashback with Kotak 811 Super Best ways to claim 5% Cashback Trick to save the Kotak 811 Joining Fee Final Verdict: Is Kotak 811 Super Worth It? About Kotak 811 Kotak 811: Key Features & Benefits Kotak 811 Savings Variants: Key Differences How to Open Kotak 811 Account? 5% Cashback with Kotak 811 Super Best ways to claim 5% Cashback Trick to save the Kotak 811 Joining Fee Final Verdict: Is Kotak 811 Super Worth It? About Kotak 811: Zero Balance Savings Account Launched in 2017, Kotak 811 is Kotak Mahindra Bank’s fully digital, zero-balance savings account. The first banking app in India, allowing instant online account opening via their website using Aadhaar and PAN Card for verification and a quick Video KYC. Kotak 811 offers various savings account variants, each one with different features, a virtual debit card for online shopping and a physical card delivered at your door step within a week. It offers features like savings interest, no minimum balance, and easy fund transfers (NEFT/IMPS/RTGS) for a complete mobile-banking experience.  Key Features and Benefits Instant Digital Account: Open an account in minutes using just your Aadhaar and PAN details. Zero Balance: No requirement for maintaining a minimum balance. Virtual Debit Card: Get an instant virtual debit card within the app for online payments. Physical Debit Card: Option to request a physical card (for a fee) through the app for ATM use and POS transactions. Mobile Banking: Manage everything through the Kotak 811 Mobile App. Interest & Rewards: Earn interest on savings balance and access rewards/cashback. Free Fund Transfers: Utilize NEFT, IMPS, and RTGS for online fund transfers at no cost. 5% Super Cashback: Get 5% cashback up to ₹500/month on eligible spends with the Super Variant. Kotak 811 Savings Variants: Key Differences How to Open Kotak 811 Account? Opening Kotak 811 Savings Account is a quick and fully digital process. I have shared the detailed steps to open Kotak 811 account: Visit Kotak 811 Website. Enter your Mobile Number, Email ID and Pin Code to get started and then verify your mobile number with OTP. Enter your PAN and Aadhar Card details in the next step and then verify Aadhar with OTP. On the next page, share your personal details like: Father’s Name, Occupation, etc They will retrieve your address in the next step, just confirm it. On the next page, they will ask your communication address. You can click on same as Permanent Address or put different details, if not same. Next, give nominee details and then agree with their terms and conditions. Finally, they will ask the required Kotak 811 Variant: Super or Classic. (Suggestion: Choose Super for 5% Cashback and other better features) Next, you have to fund your account: ₹10,000 for Super or ₹5,000 for Classic Variant. (Using UPI) Once funded, you have to setup MPIN for the app and banking and then can complete the KYC process with VIDEO KYC or Appointment. Next, you can download the Kotak 811 app and can start using the app. Personal Experience Tip: Kotak 811 might advertise their Video KYC service to be 24/7 available but for me Video KYC option was not enabled at night, near 23:40. So, maybe Video KYC option is available between normal working hours: 9:00 to 19:00 IST. 5% Cashback with Kotak 811 Super The most spectacular feature of the Kotak 811 Super Variant is that it offers 5% Cashback up to ₹500 per month on eligible spends. But remember, there is a monthly criteria you need to fulfil to activate the Super Benefits: Monthly Credit of ₹10K: User has to credit ₹10,000 every month into their Kotak 811 bank account in order to activate the 5% Super Cashback. Get 5% Super Cashback: Once the monthly funding requirement is fulfilled then users are eligible to get 5% cashback up to ₹500/month on E-commerce & POS (Point of Sale) transactions using your Kotak Debit Card (Virtual or Physical). Kotak 811 Super Debit Card 5% Cashback Exclusions 5169, 5085, 5199, 2842, 5122, 5039, 5198, 7375, 5051, 5021, 5046, 5099, 7395, 8734, 5044, 5074, 2791- Business-to-business transactions 7995- Betting including lottery tickets, casino gaming chips, race tracks 7273- Dating and escort services 5960- Direct marketing – Insurance services 6012- Financial Institution – Merchandise Services & Debt Repayment 7800- Government licensed – lottery 7801- Government licensed- online gambling 6381- Insurance 6300- Insurance sales, underwriting & premiums 6010- Manual cash disbursements – Financial Institutions 4829- Money transfer 6051- Non financial institutions – Foreign currency liquid, crypto assets, account funding, traveler cheques & debt repayment 8651- Political donations 6540- Non-Financial Institutions – Stored Value Card Purchase/Load 5300- Wholesale clubs, and 5723- Guns and ammunition shops 5169, 5085, 5199, 2842, 5122, 5039, 5198, 7375, 5051, 5021, 5046, 5099, 7395, 8734, 5044, 5074, 2791- Business-to-business transactions 7995- Betting including lottery tickets, casino gaming chips, race tracks 7273- Dating and escort services 5960- Direct marketing – Insurance services 6012- Financial Institution – Merchandise Services & Debt Repayment 7800- Government licensed

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Never Miss a Credit Card Payment Again: Your Ultimate Guide to AutoPay & Smart Strategies!

Never Miss a Credit Card Payment Again: Your Ultimate Guide!

Never Miss a Credit Card Payment Again: Your Ultimate Guide Tired of late fees? Worried about your credit score? Millions of people accidentally miss credit card payments, but with a few smart strategies, you can make it a thing of the past. This isn’t just about avoiding penalties; it’s about financial peace of mind. Let’s dive into the ultimate guide to mastering your credit card payments, so that, you never miss a credit card payment again. The Hidden Costs of a Missed Payment Before we get to the solutions, let’s quickly underscore why this is so important: Late Fees: Instantly adds a charge to your bill. Skyrocketing Interest: Your interest rate can jump, making your debt more expensive. Credit Score Damage: A single missed payment can significantly ding your credit score, impacting future loans, mortgages, and even apartment rentals. Loss of Perks: Some card issuers revoke rewards or intro APR offers if you miss a payment. The good news? Avoiding all of this is easier than you think! Strategy 1: The Undisputed King – Embrace AutoPay! This is, hands down, the most effective way to ensure you never miss a payment. AutoPay takes the human error out of the equation entirely. How to Set It Up (and Why You Should): Log In: Access your credit card issuer’s website or mobile app. Find AutoPay: Look for sections like “Payments,” “Manage AutoPay,” or “Automatic Payments.” Choose Your Amount: Full Statement Balance (Highly Recommended!): This ensures you pay off your card completely each month, avoiding all interest charges and optimizing your credit utilization. Minimum Payment Due: If paying the full balance isn’t feasible, setting AutoPay for the minimum payment will at least save you from late fees and reporting a missed payment to credit bureaus. Link Your Bank Account: Select the savings account from which the payment should be drawn. Confirm: Review all details and confirm. Pro-Tip: Always ensure your linked bank account has sufficient funds to cover the AutoPay! A bounced AutoPay can lead to penalties or charges. Paying the Minimum Due Avoids Interest – WRONG Minimum due only prevents late fees. You still pay full interest on the remaining balance from day one. Strategy 2: Optimize Your Due Dates Make your payment schedule work for you, not against you. Align with Payday: Contact your credit card company and request to change your due date to a few days after your payday. This ensures you have the cash readily available when the payment is due. (Related Blog Post: How to Change ICICI Credit Card Billing Date Online) Consolidate Due Date for Clarity: If you manage multiple cards, try to group their due dates around the same week of the month. This helps you dedicate a specific “bill pay window” without juggling dates constantly. Paying Just Before the Due Date Is Perfectly Fine? – Technically yes, but… Payments made too close to the due date may: Not post in time, Risk AutoPay duplication or Trigger interest from missed statement cycles. Always pay at least 2–3 days earlier. Strategy 3: Double-Up on Reminders Even with AutoPay, a multi-layered reminder system provides an invaluable safety net. Credit Card Alerts: Sign up for email and SMS alerts directly from your card issuer. They’ll ping you when your statement is ready and a few days before your due date. Digital Calendar Reminders: Set up recurring monthly reminders in your Google, Apple, or Outlook calendar. 1st Alert (1 Week Before): “Review Credit Card Statement” 2nd Alert (3 Days Before): “Confirm CC Payment (and check bank balance!)” Bill Tracking Apps: Utilize apps like INDmoney, a clean app for finance and card management or even a simple spreadsheet to centralize all your bill due dates. Strategy 4: AutoPay & Partial Payments Many of us use third-party apps like Cred, INDmoney, PhonePe, or bank apps to make partial payments, often due to attractive offers or rewards. This leads to a crucial question: Will AutoPay still pull the full amount if I’ve already paid some of it? The Good News: AutoPay is Smart! In nearly all cases, credit card autopay systems are dynamic. They do not pull a fixed, pre-determined amount. Instead, they look at your current outstanding balance at the time the AutoPay process initiates. If your statement balance is ₹10,000 and you manually pay ₹2,000: AutoPay, set for the full balance, will only pull the remaining ₹8,000. If you pay the entire balance manually before AutoPay: The AutoPay will typically recognize a ₹0 balance and will not pull any funds from your account. More Credit Cards = Bad for Credit Score – Wrong Multiple cards can improve your credit profile because: More credit limit → lower utilisation, better rewards and Distributed expenses. Just don’t overspend or miss payments. The Critical Rule: The AutoPay Cut-Off Window This is where timing is everything. Payments don’t instantly post to your account. There’s a delay as funds transfer and the card issuer updates your ledger. The Safe Window: To ensure your manual payment is recognized by AutoPay, aim to make all outside payments at least 3 business days before your scheduled AutoPay date. Why 3 Business Days? Payment Posting Time: Payments from external sources can take 1 to 3 business days to officially “post” to your credit card account. AutoPay systems need to see a “Posted” payment, not just a “Pending” one. AutoPay Processing Lockout: Most card issuers have a processing window (often 24-48 hours before the due date) where they finalize the amount for the AutoPay withdrawal. If your manual payment posts after this window closes, AutoPay might not account for it and could pull the original, unadjusted amount. Best Practice: After making a partial payment through a third-party app, log into your credit card’s official website or app a couple of days later. Verify that your “Current Balance” or “Amount Due” reflects the payment you made. If it does, you’re golden! Concluding Thoughts: Financial Freedom is Within Reach! Missing a credit card payment is a stressful (and expensive!) mistake that’s entirely avoidable. By leveraging the power

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supercard pro devaluation, Axis Supermoney cashback update

Axis SuperCard Pro Cashback Update | Trick to Maximize Rewards (Effective 1st Jan’26)

If you love your Axis Bank SuperMoney RuPay Credit Card for those juicy UPI rewards, get ready for a significant shift! Effective January 1, 2026, Axis Bank has announced SuperCard Pro Cashback Update, completely revising the cashback structure, introducing a complex capping rule that makes your previous strategy obsolete. Read this complete blog for a simple understanding of the new terms and the critical trick to maximize your monthly cashback. Don’t leave money on the table—learn the hack today! SuperCard Cashback Update PDF Disclaimer: The Revision of AXIS BANK SUPERMONEY RuPay Credit Card Terms and Conditions PDF issued by Axis Bank is not that clear yet. The review is true to the best of my understanding. SuperCard Pro Cashback Update: Comparison Axis Bank has announced a significant SuperCard Pro Cashback update leading to Card Devaluation, effective January 1, 2026. Here is a detailed comparison of Current SuperCard Pro Cashback Rules with the Revised Cashback Rules. Complicated New Cashback Cap, Simplified The most critical change is how the 3% Cashback is calculated and limited. Let’s define the two cashback categories: (S) = 3% Cashback: Earned on eligible UPI Spends made specifically through the SuperMoney UPI. (O) = 1% Cashback: Earned on ALL Other Eligible Spends (i.e., non-UPI card payments and UPI transactions via other apps like Google Pay/Paytm). The New Rule: (S) ≤ (O) or The maximum 3% Cashback you can earn (S) is strictly capped by the total 1% Cashback you earn (O) in the same statement month. In plain language: Your SuperUPI 3% cashback cannot be more than your 1% general spend cashback. This complex capping rule leads to a major devaluation of the card’s primary benefit. To earn the full benefit of a 3% UPI transaction, you must spend significantly more in the 1% category. The Trick to Maximize Rewards Given the new capping rule, a simple, straight 3% cashback on high spends is gone. Your strategy must now focus on balancing your 3% and 1% category spending. 1. 3% Cashback for Low Spenders: No Change (Up to ₹3,333/Month) If your total monthly SuperUPI (3% category) spends do not exceed ₹3,333, you can still earn the full 3% cashback (up to ₹100) without worrying about the new cap. 2. Maximizing Cashback Cap: The 1:3 Strategy (UPI > ₹3,333/Month) To unlock maximum cashback on your 3% SuperUPI Spends, you must deliberately spend enough in the 1% Other Spends category due to the new 3% Cashback Capping Rule capping it to 1% Cashback. The ideal ratio for the best overall effective cashback rate is one where your 1% cashback equals your 3% cashback: Cashback from 3% Category (S) (e.g.,₹300) Cashback from 1% Category (O) (e.g., ₹300) To achieve (S) = (O): 3% Spends = X 1% Spends = Y Since 3% of X = 1% of Y, this means Y must be 3 times X i.e., You have to spend 3X in the 1% Cashback Category and still the Effective Cashback Rate will be 1.5% (avg) on spends. For Example: If you spend ₹10,000 for 3% Category and ₹30,000 for 1% Category then the Total Cashback will be ₹600: INR 300 (3% cat.) + INR 300 (1% cat.) = INR 600 (1.5% of ₹40,000) 1.5% Effective Cashback Rate: This is the best overall effective rate you can achieve for mixed spending—a significant SuperCard Pro Cashback devaluation from the expected 3% on UPI. Confusing SuperCard Pro Cashback Updates Axis Bank has already issued SuperCard Pro Cashback Updates (effective 01/01/2026) but it is lacking the details, thus, confusing. Monthly Cashback Limit: Axis Bank has stated in their first point itself: ‘Cashback capping of INR 500 per statement cycle will no longer be applicable.’ But due to examples/scenarios shared it confusing whether the cap is completely removed or replace with a 600/month cashback cap. Monthly Cashback Caps in 100s: In their 3rd point they have stated: ‘3% Cashback on eligible UPI purchases via the super.money app is now capped at the total cashback earned from other UPI and non-UPI spends in the same statement month’. But the Scenario 1 shared suggests that the Monthly Caps will run in 100s. For example: 100 or 200 or 300 Scenario 1 summary: 1% cashback earned = ₹90 and still the monthly cashback cap for 3% is ₹100.  What else I need to know? Excluded Categories: As with most credit cards, you likely won’t earn any cashback on spends like Fuel, Rent, Insurance, Education Fees, Wallet Loads, Jewelry, and EMIs. Always check the detailed official exclusions. Transaction Value: The image mentions that all spends below INR 100 will no longer earn any cashback. This eliminates micro-transactions from the rewards pool. Conclusion: Is the Card Still Worth It? The Axis SuperMoney RuPay Credit Card is facing a major devaluation. The initial ₹500 monthly cap is gone, but it’s been replaced by a complicated and restrictive cap that forces high spending in the 1% category just to unlock the 3% rewards. The maximum effective cashback rate is now 1.5% for balanced high spenders, which is easily beaten by other entry-level credit cards considering cashback on general spending. Your best strategy now is to: Keep the card for SuperUPI spends under ₹3,333/month to enjoy the hassle-free 3%. For higher spends, strongly consider migrating to a card that offers a higher, non-capped, or simpler rewards structure for your primary spending categories. The Best Alternative for SuperCard Pro Suggestion: The Best Alternative for the best LTF Rupay Credit Card for UPI is the Kiwi Klick Credit Card. 1.5% Base Cashback on Merchant Scan & Pay through Kiwi App Up to 5% Accelerated Cashback with Kiwi Neon Membership (Annual Cost = ₹999 + GST) 3 Airport Lounge Access, with Kiwi Neon Membership, unlocked on Milestone spends Cashback on Signup Monthly Spend Based Offers and Partner Offers You can use our simple tool to know the best card based on your Avg Monthly UPI Spends: Kiwi vs SuperCard Pro Cashback Calculator

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change icici credit card billing date online

Quickly Change ICICI Credit Card Billing Date Online | Nov’25

Quick Guide to Change ICICI Credit Card Billing Date Online Is your ICICI Credit Card bill due date always a few days before your salary hits? If you find yourself waiting for payday just to clear your card, you’re not alone. The good news? The Reserve Bank of India (RBI) mandates that banks, including ICICI, must allow you to change your billing cycle at least once. This is your chance to turn your card from a monthly stressor into a powerful cash-flow management tool. Here is a quick guide to change your ICICI Credit Card billing cycle and how to pick the perfect date. Steps to Change ICICI Credit Card Billing Date Online through iMobile While you can call ICICI Bank customer care, the fastest and most convenient method is through the official ICICI mobile application – iMobile App. Step-by-Step Guide via the iMobile App Log In: Open the iMobile Pay app on your phone. Navigate to Cards: On the main screen, tap on the ‘My Cards’ (or Cards & Forex) section (at left-middle of the screen). Select Your Card: Choose the specific ICICI Credit Card for which you want to change the date. Manage Card: Tap on the ‘Manage Card’ option (at right-middle of the screen). View & Manage Billing: Look for ‘View & Manage Billing Cycle’ (scroll down till the end). Select New Date: Click on the ‘Desired Billing Cycle’ option and choose your preferred date from the options for Bill Generation. Submit: Change Bill Generation Date considering the Desired Due Date and confirm the change. 📝 Important Note: ICICI Bank usually restricts how often you can make this change (often once every 6 months or once per year). Choose your date wisely! The new cycle typically takes effect from your next statement. Pick The Best Date for Credit Card Bill Generation | Tips The ‘Best Date’ isn’t random. It’s a strategic choice based on when money lands in your account. The goal is two-fold: Sync with Salary and Maximize the Grace Period. Logic 1: Sync With Salary Recommendation: Keep Bill Generation Date near your Salary Day. Logic: Your Bill/Statement will be generated a few days after/before your payday. When the bill arrives, the money is already in your account, ensuring you can pay in full immediately. No more waiting, overspending or late fees. Logic 2: Maximize Grace Period Recommendation: Either keep Bill Generation Date right after the day your Major Spend occurs OR Plan your spends just after the Bill Generation Date Logic: If a purchase made on the 1st of the month falls into the new cycle, which won’t be billed until the 28th/30th. You then get another 20 days grace period, resulting in almost 50 days of interest-free credit. Perfect for big, early-month expenses like rent or school fees! 💡 Pro Tip for Multi-Card Stagger (Advanced Users) Recommendation: Split your cards into two groups: Group 1 generates statements on the 1st-5th, and Group 2 generates on the 15th-20th. Logic: This avoids a major financial pinch where all bills are due at the same time. You can clear the first group (for immediate expenses) right after salary, and the second group (for discretionary/mid-month expenses) later in the month when you have a better idea of your remaining cash. Cult Conclusion Remember, your ICICI Credit Card billing cycle is a powerful financial tool. Use it to your advantage by aligning your bill date with your payday; Do not use it to delay a payment. If your salary hits on the 1st, set your statement generation for the 5th. This simple alignment is the most effective way to ensure you always pay in full and on time, which is the only real ‘hack’ to building and maintaining a fantastic credit score. Hey Readers! We hope you liked our Detailed Guide on How to Change ICICI Credit Card Billing Date Online through iMobile App. We will also recommend you to read our latest blog post comparing Adani One Signature vs Platinum Credit Card. Spend but Never Miss a Due Date!

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onecard referral code

OneCard Credit Card Review: Is the Metal Card Worth the Hype?

OneCard Credit Card: Personal Review The OneCard Credit Card stands out as one of India’s most visually premium and striking metal credit cards. The appeal of a Lifetime Free card is undeniable, but the key question remains: Does its value extend beyond its stunning form factor? My journey with the FD-backed OneCard began as a crucial step in building my credit history, giving me a unique perspective. In this detailed and honest review, I will break down the card’s true performance—including its fees, rewards structure, and practical benefits—to help you discover whether it is genuinely worth applying for in today’s competitive market. 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. OneCard Credit Card | Signup Benefits Before the detailed review, here’s what the OneCard immediately offers new users: Premium Metal, Zero Cost: Receive a 16-gram metal card that is Lifetime Free (LTF). Enjoy premium aesthetics with zero joining or annual fees. Credit History Gateway: The FD-backed option allows immediate card access for beginners. It’s the simplest way to establish and build a high credit score. Low 1% Forex Fee: Excellent for global spending. The 1% Foreign Exchange Mark-up is significantly lower than the industry standard (2.5%-3.5%), saving you money on all international transactions. Complimentary Lifestyle Perks: Being a Visa Signature card, it grants access to valuable network benefits, such as a possible Complimentary Annual Times Prime Membership (at a nominal charge), which unlocks numerous discounts and subscriptions. Claim Times Prime Membership here. OneCard Credit Card | #TheMetalCard Key Features: Lifetime Free Premium Metal Credit Card Complimentary Times Prime Membership with Visa Signature Low Forex Fee: 1% + GST OneCard App for Card Management and Best UI Experience FD Based Credit Card for Beginners Around You Offers: 5% Cashback on Spends 5x Reward Points Multiplier Apply Now! More Features Does not offer Airport/Railway Lounge Access. Never expiring reward points. OTP less transactions. Just swipe to pay to authorize payments. OneStore: One Destination for all your Recharge & Utilities, Gift Cards and Shopping needs. Spends Planner to set Budgets and track expenses by category. 1% Fuel Surcharge Waiver up to Rs 400/month. OneCard App: Seamless Signup Process The application process is entirely digital, making it a benchmark for new-age finance. Download & Initial Check: Download the OneCard App and complete an initial eligibility check using your mobile number and PAN. KYC and V-Card: Complete the video KYC or OTP-based authentication. If approved for the unsecured card, your Virtual Card is generated instantly and ready for online use. FD Route (If Required): If you don’t meet the unsecured eligibility, you are immediately offered the FD-backed option, where you set up a Fixed Deposit to secure your limit. Metal Card Delivery: The physical metal card is typically delivered within 3-5 working days, but you can start spending instantly with the virtual card. OneCard Reward Points The rewards structure is simple, transparent, but requires smart spending to maximise the value. 1. Base Rewards 1 Reward Point (RP) for every ₹50 spent on most retail purchases. Value: 1 RP = ₹0.10. This translates to a base reward rate of only 0.2% (₹0.10 / ₹50). 2. The 5X Multiplier (The Real Game) You earn 5X Reward Points on your Top Two spending categories of the month (excluding fuel, wallet, and rent payments). But to enable the 5X Multiplier, spends of Rs 750 or more is required in the top 2 categories. Effective Rate: On your top two categories, the reward rate jumps to 1% (5 RP / ₹50 = ₹0.50, which is 1% of ₹50). 3. Reward Points’ Features Fractional Points: You earn fractional points (e.g., 3.5 points on a ₹175 spend), ensuring no rounding off and no loss of rewards. No Expiry: OneCard Reward Points never expire. Free Redemption: Zero fee for redeeming points against your outstanding statement balance. Minimum RPs for Redemption: Minimum 500 Reward Points are required for statement credit but there is a trick to use entire RPs even if below the redemption criteria. My Personal Hack: You can use any amount of RPs (even less than 500) as a discount on the Gift Card purchase. For example: If a Gift Card costs ₹100, you can use 350 RPs for a ₹35 discount and pay the remaining amount via the card. This ensures zero point wastage. OneCard Credit Card: Pros & Cons Pros: Truly Lifetime Free (LTF) with zero annual fees. FD-Backed Entry is perfect for credit beginners. Low 1% Forex Mark-up makes it one of the best LTF cards for international travel. Exceptional Mobile App with granular control and instant features. Instant Redemption against statement balance. Just swipe-to-redeem. Cons: Low Base Reward Rate (0.2%) on all non-top-two spending categories. No Complimentary Lounge Access (Domestic or International). High Card Replacement Fee (Around ₹3,000 for the metal card). Interest rate on outstanding dues is high (typical of most cards, but still a con). 5X benefit requires spending in at least 3 unique categories to be activated. Frequently Asked Questions (FAQs) Is OneCard Lifetime Free? Yes, it has absolutely zero joining fees and zero annual fees for life. Does OneCard offer lounge access? No. As an entry-level LTF card, OneCard does not offer complimentary domestic or international airport lounge access. What is the Value of OneCard Reward Points? 1 Reward Point is equal to ₹0.10 when redeemed against your statement balance. Can I get OneCard without an FD? Yes, if you have a high credit score (typically 750+) and meet the income/eligibility criteria, you can get the unsecured card. What is the minimum FD amount required? The minimum FD amount required to get the secured card generally starts at ₹2,000 (though a higher FD may be needed to get the metal card). What is the replacement cost of OneCard, if lost? Generally, first time Card Replacement is free if you opt for a plastic card as a replacement. Otherwise, a replacement fee of Rs 3,000 applies on choosing the Metal Card.

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Adani One Signature Card vs Adani One Platinum Card (Oct'25)

Adani One Signature Card vs Adani One Platinum Card (Nov’25)

Introduction: Adani One Signature Card Choosing the right credit card can make all the difference when it comes to rewards, travel benefits, and everyday spending perks. With the launch of the Adani One Signature Card and Adani One Platinum Card, Adani has entered the premium credit card space — each offering its own set of benefits for travelers and lifestyle enthusiasts. In this detailed Nov’2025 review, we’ll first explore the Adani One Signature Card in depth, followed by a side-by-side comparison with the Platinum variant to help you decide which one fits your lifestyle better.  Adani One Referral Code/Link 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. Adani One Signature Credit Card Key Features: Joining/Annual Fees: ₹5,000 + GST Annual Fee Waiver: Annual Spends > ₹6,00,000 Welcome Benefits: ₹5,000 Flight + ₹2,000 Hotel Voucher Value back: 7% Reward Points on Adani Ecosystem Airport Lounge: 4/Quarter Buy 1 Get 1 on Movie Tickets Apply Now! More Features ₹5,000 Flight Ticket Voucher: Spend ₹25,000 in the first 60 days to get a voucher ₹2,000 Hotel Voucher (unlocked on card activation and a minimum transaction of ₹10,000) 2 complimentary international lounge visits every year 16 premium lounge upgrades (Upgrades to premium/business lounge) 8 Premium/Valet Car Parking 1.5% on Other Spends Adani One Platinum Credit Card Key Features: Joining/Annual Fees: ₹750+ GST Annual Fee Waiver: Annual Spends > ₹3,00,000 Welcome Benefits: ₹2,000 Flight + ₹1,000 Hotel Voucher Value back: 3% Reward Points on Adani Ecosystem Airport Lounge: 2/Quarter 25% up to ₹100 on Movie Tickets Apply Now! More Features ₹2,000 Flight Ticket Voucher: Spend ₹10,000 in the first 60 days to get a voucher 2 premium lounge upgrades every quarter 4 Premium/Valet Car Parking  ₹1,000 Hotel Voucher (Unlocked on card activation and a minimum transaction of ₹5,000) 1% on Other Spends Head-to-Head Comparison Here is a list of all Airports eligible for Airport Lounge Access: Eligible Airports Credit Cult Conclusion✈️ Both cards bring strong offerings under the Adani One brand, but the Signature Card clearly stands out as the premium choice for frequent travelers and lifestyle spenders.If you’re just starting your credit journey or prefer a minimal annual fee, the Platinum Card offers solid everyday rewards without the premium price tag. In short:  Adani One Signature Card = Luxury & Travel Power Adani One Platinum Card = Smart Value & Everyday Benefits   We hope you liked our review on Adani One Signature Credit Card and its comparison with Adani One Platinum Card. We would also recommend you to read our recent post in which we reviewed and compared the Top 5 Lifetime Free Credit Cards with Lounge Access. Keep Spending! Keep Saving!

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Best Credit Card for Movie Tickets | Lifetime Free Cards (Oct’25)

Best Credit Card for Movie Tickets | Lifetime Free Cards (Nov’25)

Best Credit Card for Movie Tickets in India If you’re a movie buff who never misses the latest release, having the best credit card for movie tickets can help you save big. Many credit cards offer Buy 1 Get 1 Free movie tickets, BookMyShow discounts, or monthly cashback on movie spends. In this guide, we’ve compared the top credit cards for free movie tickets with annual fees up to Rs 500/year — including IndusInd Bank Legend Credit Card, PVR Kotak Gold Credit Card, and RBL Bank BookMyShow Play Credit Card. 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 an informed decision. 3 Best Credit Cards for Free Movie Tickets In this blog, we’ve reviewed 3 best credit cards for Movie Tickets Spends: IndusInd Bank Legend Credit Card, PVR Kotak Gold Credit Card, and RBL BookMyShow Play Credit Card. Based on our analysis of value back, its cost and overall benefits, here’s our detailed recommendation: 1. IndusInd Bank Legend Credit Card Apply Now Joining & Annual Fees: 0 Fees (Lifetime Free) Welcome Benefits: Activation benefits from Luxe gift card, Montblanc, Post Card and vouchagram. Buy 1 Get 1 Free Movie Ticket up to Rs 200/month Complimentary Priority Pass membership Payment Network: Visa Know More Complimentary Annual Times Prime Membership that gives access to 20+ subscription & 40+ discount-led offers. 1 reward point for every Rs. 100 spent on weekdays 2 reward points for every Rs. 100 spent on weekends 3000 bonus reward points on spending Rs. 5 lacs or more in a year 2. PVR Kotak Gold Credit Card Apply Now Joining & Annual Fees: Rs 499+ GST Movie Benefits: Spend > 10,000 = 1 Free PVR ticket, Spend > 15,000 = 2 Free PVR ticket, (worth Rs 400) 20% Instant Discount on Foods & Beverages at PVR 5% Instant Discount at PVR Inox Annual Fee Waived on annual spends of Rs 50,000 Payment Network: Visa Know More Get 1 PVR INOX movie ticket* worth Rs. 400 every month when you spend ₹ 10,000 and above in a monthly billing cycle Get 2 PVR INOX movie tickets* worth Rs. 400 every month when you spend ₹ 15,000 and above in a monthly billing cycle Get 20% instant discount on Food and Beverages at PVR INOX Get 5% instant discount on Movie Tickets at PVR INOX No Joining Fee for the first year! 3. RBL Bank BookMyShow Play Credit Card Apply Now Joining & Annual Fees: Rs 500+ GST Welcome Benefits: Rs 500 Discount on BMS* Movie Benefits: 2 Free Movies/Streams/events up to 250 each per month on BMS** Food Worth Rs 100/month on movie bookings Annual Fee Waived on spends of Rs 1,50,000 Payment Network: Visa/RuPay/MasterCard Know More *After spending within 30 Days of issuance. **Monthly movie offer available on spends of INR 15,000 or more within a billing month. Fee of Rs 99 + GST is charged for redeeming reward points on RBL Bank Credit Cards The Comparison Table Credit Cult Conclusion If you’re looking for the best credit card for movie tickets in India, here’s a quick takeaway: 🎬 IndusInd Legend Credit Card: Best overall — lifetime free and well-rounded benefits. 🍿 Kotak PVR Credit Card: Best for PVR moviegoers. 🎫 RBL BookMyShow Play Card: Best for Buy 1 Get 1 on BookMyShow and OTT events. So next time you plan a movie night, swipe smart and let your credit card pay for your popcorn! Hey Readers, We hope you found Credit Cult’s recommendations helpful in selecting the best credit card for your movie spends. Don’t miss our exclusive post where we did a detailed comparison: Kiwi vs SuperMoney | Best for Maximum Cashback on UPI. Happy reading, and enjoy your journey with the right credit card! – Saurabh, Credit Cult

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