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A credit card is a great monetary tool perfectly suited for the modern lifestyle. Banks and financial institutions offer credit cards to their customers who have a regular source of income. The bank sets the credit limit as per the customer’s monthly income, current financial and other relevant factors.
Many people prefer to carry cash and use it to buy products instead of swiping the credit card for making the payments. They feel that paying by cash makes them stay cautious about the purchases they make and the money they spend as compared to using the credit card for purchasing things where they cannot actually see the money.
Some people manage to use their credit cards properly and are also diligent about making credit card bill payments on time. They refrain from accumulating credit card debt in the process of purchasing everything that they desire. Such people plan their purchases and make the best use of their credit card. A credit card opens the door to taste the luxuries of life for these people.
There are various ways in which banks and financial institutions issuing credit cards to customers reward them for their credit card usage. Most of the times, a credit card is a part of a rewards programme run by the bank in which the customer earns rewards when they use their credit card to make payments for utility bills, shopping, etc. In addition, banks collaborate with brands, companies, and merchants and offer customers amazing discounts and special deals. The card users can avail these offers by using their credit cards to pay for purchases made from these partner brands.
In addition to providing the convenience of carrying a credit card instead of a wallet full of cash and amazing offers, credit cards are also safer as compared to cash and cheques. People cannot stop the misuse of cash or cheque but if their credit card is lost or stolen, they can simply block the credit card by calling the customer care of the bank to avoid any unauthorised use of the card. In most cases, the customer does not have to bear the expense of transactions done by an unauthorised user on the credit card. If you have not started using a credit card and taken advantage of the credit card offers that reward you for using a credit card to pay for your purchases, then it i still not too late. You can still avail these offers to save some money, earn some rewards, and get cashback. You can redeem the credit card rewards by visiting the rewards catalogue of your respective bank while the cashback will be automatically credited to your card account.
Some of the currently active credit card offers given by the top and leading banks are discussed here:
HDFC Bank Credit Card Offers
The credit cards from HDFC Bank have universal acceptance and help the credit card holders carry out cashless transactions with ease across millions of merchant locations around the world. Although, different types of HDFC Bank credit cards provide different type of offers, here is a combined list of almost all of these credit card offers:
Online Offers: There are plenty of online offers for the HDFC Bank credit cards on travel bookings, shopping, dining and more. Nowadays, most people book their travel tickets, hotels and buy groceries, electronics, fashion, etc. online using their credit cards because their HDFC credit cards could bring them various offers and discounts on their transactions.
These credit card offers help them in getting extra benefit on their bookings as the bank has tie-ups with many online travel portals and travel companies.
Online Travel Bookings
| Merchant/Partner/Store | Offer Details | Promo Code | Minimum Booking amount | Validity Period |
| MakeMyTrip App | Get Rs. 2,500 Cashback on card on International Flight bookings | HDFCINT | Rs. 25,000 to 45,000 | 30th June 2017 |
| MakeMyTrip App | Avail Rs. 4,000 Cashback on card on International Flight bookings | HDFCINT | Rs. 45,001 to 80,000 | 30th June 2017 |
| MakeMyTrip App | Get Rs. 8,000 Cashback on International Flight bookings | HDFCINT | Rs. 80,000 and above | 30th June 2017 |
| Booking.com | Additional 10% Cashback on the Best Hotels Worldwide and in India | NA | NA | 30th June 2017 |
| Yatra App | Rs. 1,100 off on roundtrip / Rs. 400 off on one-way + Rs. 250 eCash (Domestic lights) | HDFCAP17 | Rs. 3,000 | 30th June 2017 |
| Yatra App | Flat Rs. 2,000 off + Rs. 500 eCash (Domestic Flights) | HDFCAP17 | Rs. 3,000 | 30th June 2017 |
| Goibibo | Get Rs. 1,000 Cashback on Domestic Flight bookings | GOHDFC | Rs. 6,000 to Rs. 8,000 | 28th June 2017 |
| Goibibo | Get Rs. 1,200 Cashback on Domestic Flight bookings | GOHDFC | Rs. 8,001 to 10,000 | 28th June 2017 |
| Goibibo | Rs. 1,500 Cashback on Domestic Flight bookings | GOHDFC | Above Rs. 10,000 | 28th June 2017 |
| Musafir.com App | Rs. 1,000 off between 3PM-10PM every Tuesday on Domestic Flight bookings | HDFLY | Rs. 6,000 | 29th May 2017 |
| Musafir.com App | 10% off on Base Fare on International Flight bookings | HDFLY | Rs. 30,000 | 29th May 2017 |
Online Shopping Credit Card Offers
| Merchant/Partner/Store | Offer Details on App | Promo Code | Minimum Booking amount | Validity Period |
| YEPME.com | Flat 20% off | HDFCYEP20 | Rs.799 | 31st Dec 2017 |
| Shoppers Stop | 10% off on online transactions | HDFC5 | Rs. 1,500 | 30th April 2017 |
| Abof.com | Get Rs. 500 off on a purchase made on the website | ABOFVISAC | Rs. 1,495 | 31st Aug 2017 |
| Pepperfry | 25% discount on furniture, home decor, and more. Plus, there is an incremental 5% off on site discounts | HDFC25 | NA | 31st Dec 2017 |
| BigBasket | Get 5X Reward Points + Rs. 200 off on all spends done through the Big Basket App. In addition, users get Rs. 200 Instant Discount on grocery purchases from BigBasket |
BBHDFC200 | Rs. 1,000 | 30th Sep 2017 |
| Snapdeal | Extra 10% Discount each Friday + 5X Reward points up to Rs. 2,000 per card per month | NA | Rs. 3,500 | 30th Sep 2017 |
Citibank Credit Card Offers
Citibank offers many unmatched benefits to its customers including joining gifts, bonus reward points, discounts on travel bookings, dining, entertainment and much more. Most welcome offers remain in effect within a stipulated time from the activation date of the card or for a period of one year from the date of joining. Citibank credit card offers vary from standard offers which other banks provide. The bank’s offers include holiday vouchers and fine dining experiences in addition to various other discounts and deals. Each Citibank card comes with specific offers including the ones listed here.
Online Credit Card Offers
| Merchant / Partner / Store | Offer Details on App | Promo Code | Minimum Booking amount | Validity Period |
| MakeMyTrip App | Earn 4 Turbo points for every Rs. 150 spent on Indian Oil Citi Platinum / Titanium Cards at these exclusive partners. | NA | NA | 14th November 2017 |
| BiziBean | Save up to 15% on dining across participating restaurants with Citibank credit cards | NA | NA | 14th November 2017 |
| Asian Bistro | Save 15% on food | NA | NA | 30th November 2017 |
| Paytm | Use Paytm to book all your movie tickets and get cash back of up to Rs. 1,000 | NA | NA | 30th November 2017 |
| Amazon.in | Customers can choose to perform two valid transactions on Amazon India using their Citibank credit card | NA | Rs. 1,000 | 30th September 2017 |
ICICI Bank Credit Card Offers
ICICI Bank Credit Cards are the simple way to spend on whatever you like and wherever you like. The customers can avail offers on the purchase of electronics, watches, apparels, jewellery, etc. as well as on payments for movie ticket booking, dining, and flights with these online credit card offers. To avail credit card offers online, simply put in the required credentials while you shop on your favourite e-stores and get your cash back/discounts right away.
Online Offers on ICICI Bank Credit Card
| Merchant / Partner / Store | Offer Details on App | Promo Code | Minimum Booking amount | Validity Period (on App) |
| Yatra App | Avail Rs. 700 off on domestic bookings
Get Rs. 2,000 off on booking international flights
|
YTVISA15 | NA | 24th October 2017 |
| Meghdoot | Get additional 5% discount on shopping at Meghdoot Textiles stores | NA | NA | 15th May 2017 |
| Asian Photography | Get flat 10% off on annual subscription of Asian photography, also get free gifts on subscription | ICICI10 | NA | 30th September 2017 |
Axis Bank Credit Card Offers
Axis Bank offers different types of credit and debit cards to its customers. The bank also gives several offers and discounts to the Axis Bank debit and credit card holders. It has over 50 offers for its credit card holders. Some of these offers are also for the Axis Bank debit card holders and customers who are using the net banking facility.
Some of the main Axis Bank credit card offers are categorised here:
| Merchant/Partner/Store | Offer Details on App | Promo Code | Minimum Booking amount | Validity Period (on App) |
| MakeMyTrip App | Avail 60% off on domestic hotel booking
Additional cashback of 30% also on domestic hotel bookings |
MMTWED | Rs. 2,300
Rs. 1,200 |
Ongoing offer |
| Shopclues | Discount of 10% on purchases from the electronics categories | SCAXISN10 | Rs. 1,000 | Ongoing offer |
| Trendy Bharat | Avail discount of 12% on all kind of apparels | AXISBANK12 | NA | Ongoing offer |
| Abof.com | Rs. 500 off on any kind of spending at abof.com | AXISBK500C | Rs. 1,495 | 15th June 2017 |
| Amazon | Buy electronics in easy EMIs of 3, 6, 9, 12, and 24 months at nominal interest rate of 12% to 15% | NA | NA | 31st March 2018 |
| Flipkart | Buy electronics in easy EMIs of 3, 6, 9, 12, and 24 months at nominal interest rate of 12% to 15% | NA | NA | 31st March 2018 |
| Yatra | Instant discount of Rs. 300 on domestic flights
Instant off of Rs. 800 on return ticket bookings |
YTVISA15 | Rs. 6,000
Rs. 10,000 |
24th October 2017 |
Credit Card Offers – EMI Facility
Most banks allow credit card holders to convert their purchases into easy EMIs for a period of 3, 6, 9, 12, 18, or 24 months. This is known as the EMI facility and the banks charge a nominal interest rate that varies slightly with each bank. The interest rate is lower for a shorter duration of EMI such as 3 and 6 months as compared to that of 18 and 24 months.
Banks allow customers to convert a purchase into EMI only if the amount exceeds the minimum limit set by the bank (usually Rs. 3,000). The banks have tie-ups with select merchants, brands, and companies and offer the EMI facility for any purchases made from the retail outlets or online stores of their partners. This is an ongoing offer. The usual interest rate for EMI facility is 12% for 3 and 6 months, 13% for 9 and 12 months, and 15% for 18 and 24 months. Customers can pay back the EMI from their credit card every month since the EMI amount is billed to the credit card.
Usually, the banks do not charge processing fees for the EMI offer. The EMI is calculated on a monthly reducing balance and the service tax levied on the EMIs is borne by the customer. Most banks do not offer the EMI facility on the purchases of gold, jewellery, etc. Corporate credit cards are also not eligible for theses credit card offers. The terms and conditions vary depending on the bank.
This credit card offer is only for the credit card holders of a bank and its biggest advantage is that the customer does not have to pay for a product at once while paying their credit card bill. They can repay for a purchase using the credit card in small instalments over the course of a few months. Using this credit card offer, customers can buy products that are otherwise out of their budget.