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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 20/01/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 20/01/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :20/01/2021

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Updated: 09-11-2020 12:14:45 PM

Axis Bank credit cards are among the most sought after credit cards that are available in India. Part of the appeal for Axis Bank credit cards is their rewards program and the privileges associated with it. Axis Bank gives you reward points against the money you spend on your credit cards and later you can redeem the points against attractive vouchers, merchandise or air miles on your credit card. You can read more on this page to know how to redeem Axis Bank credit card reward points:

On this page

How to Earn Axis Bank Credit Card Reward Points
Air Mile Conversion Rate for Axis Bank Credit Card Reward Points
How to Redeem Axis Bank Reward Points?
Axis Bank Credit Card Reward Points Catalogue
FAQs

How to Earn Axis Bank Credit Card Reward Points

By using your Axis Bank credit card for your everyday transactions such as grocery shopping, buying movie tickets, paying mobile bills, booking flights or hotels, etc. you can earn reward points. The reward points can be exchanged for merchandise, gift vouchers, charity donations, etc. The rate of reward-earning differs from credit card to credit card. Some give rewards on renewal, others offer on spending more than a specific amount.

Club Vistara Points on Axis Bank Credit Cards

Axis Bank has launched a few credit cards in collaboration with Vistara Airlines. Users will earn Club Vistara Points on these credit cards instead of the normal Axis eDGE rewards. The table below shows reward earnings for Axis Bank credit cards co-branded with Vistara Airlines.

Axis Bank Credit CardClub Vistara PointsBonus Points
Axis Bank Vistara Credit Card2 CV points per Rs. 200 spent1,000 bonus CV points on annual spending exceeding Rs. 50,000
Axis Bank Vistara Signature Credit Card4 CV points per Rs. 200 spent3,000 bonus CV points on annual spending exceeding Rs. 75,000
Axis Bank Vistara Infinite Credit Card6 CV points per Rs. 200 spent10,000 bonus CV points on annual spending exceeding Rs. 1 lakh

Activation Benefit of Bonus CV Points to be achieved within 90 days of card issuance.

Want to pay Credit Card bills via Reward Points?

Axis Bank does not allow its cardholders to pay credit card bills through reward points. However, there are other credit card providers that let you convert your reward points into statement credit.

Explore All Eligible Credit Cards

Axis eDGE Reward Points

Customers who have chosen other Axis Bank credit cards can also earn and redeem points on the following basis:

Credit CardseDGE Reward PointsAccelerated Rewards
Commercial Card1 Point per Rs.100 spent2 points per Rs.200 spent internationally
Neo Card2 Points per Rs.200 spent—
Buzz Card2 Points per Rs.200 spent6 points on online shopping
Pride Signature Card8 Points per Rs.200 spent100 bonus points every month if spending  Rs.5,000 per month
My Zone Card4 Points per Rs.200 spent—
Insta Easy Card6 Points per Rs.200 spent12 Points per Rs.200 spent internationally
Pride Platinum Card4 Points per Rs.200 spent100 bonus points every month if spending Rs.5,000 per month
Privilege Credit Card10 Points per Rs.200 spent—
Select Card10 Points per Rs. 200 spent20 Points per Rs.200 spent when retail shopping

Air Mile Conversion Rate for Axis Bank Credit Card Reward Points

Axis Bank with its collaboration with Jet Airways and their Jet Privilege program brings its credit card users the opportunity to convert their reward points into Jet Airways air miles or JPMiles. The offer is available on all Axis Bank credit cards.

The conversion rate for eDGE Loyalty Reward Points to JPMiles is 5:1. This means you can convert every 5 reward points for 1 JPMile.

How to convert Axis Bank Reward Points into Air Miles?

If customers want to convert their reward points into JPMiles they can do this by calling up Axis Bank and quoting their JetPrivilege membership number along with their Customer ID. After that, they have to tell the customer care executive the amount of reward points they want to convert to JPMiles.

More Interested in Cashback?

Save yourself from the hassle of collecting rewards and redeeming them later. Get direct cashback credited into your card at the end of each month. Consider applying for a cashback credit card.

Explore Best Cashback Credit Cards
Apply for Cashback Credit Cards

How to Redeem Axis Bank Reward Points?

Once you earn the reward points, here is how to redeem Axis Bank credit card reward points – You can redeem your reward points through the following ways: Online and Offline

Online – Below are some ways you can redeem Axis Bank credit card reward points

1. eDGE Rewards Website

Customers can redeem their reward points on Axis Bank eDGE rewards catalogue. One of the great features of Axis Bank rewards program is that customers can split the cost of the item between reward points and money, so they can pay half of the cost of a thing using their reward points and the other half through their bank balance. The steps to redeem the points are:

Step 1- Go to Axis Bank Rewards Catalogue.

Step 2- Choose the category or view all the things you can redeem your points on. You can sort the items and set the range on how much reward points you want to shop with.

Step 3- Select the item and click on Add to My Cart.

Step 4- Enter your login details and follow the process to redeem your reward points and get the item.

2. Internet Banking

You can redeem the points through Internet banking as well. To do this, follow the guidelines given below:

Step 1- Go to the Axis Bank internet banking login page.

Step 2- Click on Axis eDGE Rewards on the Account Summary page.

Step 3- After accepting the terms and conditions click on Redeem Now.

Step 4- On the Reward Store choose on the product you want to redeem your points on and click on add to basket.

Step 5- Confirm the redemption. Accept the Terms and condition if you are redeeming points for the first time.

3. Axis Bank Mobile App

Axis Bank eDGE Reward Points can be redeemed through their mobile app also. To redeem your points follow the steps:

Step 1- Download the official Axis Bank mobile App for android or iOS.

Step 2- Click on Rewards Tab from the menu to view your points balance.

Step 3- Go to ‘Redeem Now’ section and select ‘Rewards Store’.

Step 4- Choose the product you want to get.

Step 5- Add the item to the basket and confirm the redemption.

Offline –

4. Axis Bank Contact Centre

You can also redeem your points through Axis Bank Contact Centre. This is useful for those who have not activated internet banking for their account/credit card. To do this follow the steps laid below.

Step 1- Go to the reward store of axis bank.

Step 2- Decide the product you want to spend your points on.

Step 3- Call on any of the two numbers 1860-419-5555 or 1860-500-5555

Step 4- Share your credentials with the customer care executive and place your order.

Axis Bank Credit Card Reward Points Catalogue

Axis Bank has a wide range of products against which their customers can redeem their reward points. These include but are not limited to:

  • Vouchers for Travel, Dining, Jewellery, Online shopping, etc.
  • Conversion to air miles for Club Vistara and Jet Privilege.
  • Apple iPhone
  • Electronic Accessories
  • Charitable Donations

Axis Bank reward catalogue features items from renowned brands such as Apple, Amazon, Havells, Skullcandy, Sony, Motorola, etc. So you can be sure to redeem your points for a valuable purchase.

FAQs

What is Axis eDGE Rewards Program?

Axis Bank rewards its customers through the eDGE Rewards program, it is a bank wide loyalty program for all Axis Bank customers. Any customer can accrue and redeem them. On some cards, the bank may offer Club Vistara Points instead of the eDGE rewards.

Are there any charges or fees associated with Axis eDGE Reward Program?

No, there are no fees associated with Axis eDGE Reward program. The reward program is designed by the bank to show appreciation to the customers that use its services.

What can I redeem my Axis eDGE Reward Points on?

You can browse the diverse range of products and vouchers on their rewards catalogue. It includes electronic accessories, travel vouchers, online shopping vouchers, charitable donations, etc.

How to redeem Axis Bank credit card reward points?

The cardholder can redeem the reward points Online or Offline. Once you have redeemed the reward points, you can convert them to purchase different accessories or apparels.

What is the minimum amount of points I should have to start redeeming them?

You should have a minimum of 300 points before you can try to redeem them.

How long do my points last?

Your points will expire after three years from the day they get credited to you. The points will also expire if there is no account activity for more than 365 days after the last transaction.

Can all products be purchased using the reward points at a merchant outlet?

All products available in the merchant outlet that are above Rs.100 can be redeemed using Axis eDGE Reward points.

Axis Bank Credit Card
(4.1/5 ) 636 Reviews
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Jul 3, 2019
4/5
Proud of the Paisabazaar team

I am so proud of the Paisabazaar team who has been so kind and generous with their advice.

Jul 3, 2019
4/5
Perfect credit card

This is the perfect credit card. Would definitely recommend this to all of you!

Jul 3, 2019
4/5
What an amazing credit card

What an amazing credit card. Cannot tell you how lucky I feel to have known about this credit card.

Jul 3, 2019
4/5
Best card from Axis

This is the best card from Axis. Super like for this one. You should try too.

Jul 3, 2019
4/5
Good balance

This credit card has brought such a good balance in my savings. So happy!

Jul 3, 2019
4/5
Simplified my life

I feel so happy about using this credit card. It has simplified my life to such a great extent.

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