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June 2022
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Airport travel often conjures images of crowded terminals, long security lines, and uncomfortable seating. However, there's a hidden gem within airports that can transform your travel experience from mundane to extraordinary – airport lounges. In India, these lounges have evolved into luxurious sanctuaries where travelers can escape the chaos of the terminal and enjoy a host of amenities. In this blog, we will explore airport lounges in India, shedding light on what makes them special, the types of lounges available, and why you should consider indulging in their comfort.
The Rise of Airport LoungesAirport lounges were once exclusive retreats reserved for the elite or first-class passengers. However, times have changed. Nowadays, airport lounges are accessible to a broader spectrum of travelers, including those flying economy or holding specific credit cards. This inclusivity has led to a significant rise in the popularity of airport lounges in India. Types of Airport Lounges Airport lounges in India come in various flavors, each offering a unique experience: 1. Airline-Operated Lounges These lounges are affiliated with specific airlines and are typically accessible to passengers flying with those airlines. While they cater to a particular brand's passengers, they often provide a comfortable atmosphere with complimentary snacks, beverages, and Wi-Fi. 2. Independent Lounges Independent lounges, also known as third-party lounges, are open to all travelers, regardless of the airline or class of service. They operate independently and offer a range of amenities, including comfortable seating, food, and beverages. 3. Elite Lounges Elite lounges are reserved for travelers with premium status, such as frequent flyers or those holding certain credit cards. These lounges offer an elevated experience with additional perks like gourmet dining, spa services, and exclusive seating areas. Top Airport Lounges in India India boasts some remarkable airport lounges that stand out for their opulence and hospitality. Let's take a virtual tour of a few of these top lounges: 1. The GVK Lounge, Chhatrapati Shivaji Maharaj International Airport, Mumbai This lounge is renowned for its lavish interiors and exquisite dining options. Passengers can indulge in an à la carte menu curated by celebrity chefs, making it a gourmet paradise. 2. Plaza Premium Lounge, Indira Gandhi International Airport, Delhi With its soothing ambiance and comfortable seating, this lounge is perfect for relaxation. It also offers a variety of Indian and international cuisines, ensuring a delightful culinary experience. 3. Travel Club Lounge, Kempegowda International Airport, Bengaluru Travelers can unwind in this lounge's tranquil setting and enjoy a range of amenities, including showers, spa treatments, and delectable Indian cuisine. These are just a few examples, and each lounge has its unique charm. Whether you're in Delhi, Mumbai, Bengaluru, or any major Indian city, you'll likely find an airport lounge that caters to your preferences. The Perks of Lounge Access Now, let's dive into why airport lounge access is worth considering: 1. Comfort and Relaxation `Airport lounges provide a peaceful and comfortable environment where you can relax before your flight. You can stretch out on plush seating, away from the hustle and bustle of the terminal. 2. Food and Beverage Most lounges offer complimentary snacks and beverages, which can save you money and provide a taste of local and international cuisines. 3. Productivity For business travelers, lounges are equipped with workstations, power outlets, and high-speed Wi-Fi, allowing you to catch up on work or emails in a quiet space. 4. Family-Friendly Amenities Some lounges cater to families with dedicated play areas for children, ensuring a smoother travel experience for parents. How to Access Airport Lounges There are several ways to gain access to airport lounges: 1. Frequent Flyer Status If you have frequent flyer status with an airline, you may receive complimentary lounge access as a part of your benefits. 2. Credit Card Perks Many premium credit cards offer complimentary lounge access to cardholders. Check with your credit card provider to see if this perk is available to you. 3. Purchase a Day Pass If you're not eligible for free access, you can often purchase a day pass at the lounge entrance, providing a one-time experience of lounge luxury. Why You Should Explore Airport Lounges Exploring airport lounges in India can elevate your travel experience to new heights. Whether you're a frequent traveler or someone seeking a more comfortable journey, these lounges offer a respite from the typical airport chaos. From savoring gourmet meals to unwinding in a tranquil setting, airport lounges have something for everyone. So, the next time you find yourself at an Indian airport, consider venturing into one of these havens of travel comfort. You'll be treated to a delightful experience that might just become one of the highlights of your journey.
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With the soaring fuel prices, only the fuel credit cards will help you to save some money. SBI Cards offer you a wide range of credit cards and among them, the two fuel credit cards that you can consider are BPCL SBI Card Octane and BPCL SBI Card, provided you purchase fuel from the BPCL petrol pumps often.
You need to identify your needs and spending habits and then apply for a credit card that suits them the best. If you frequently purchase fuel from BPCL petrol pumps and you apply for a credit card that is in association with HPCL petrol pumps then it won’t do you any good. So, choose a credit card very carefully. Here is the comparison between the BPCL SBI Card Octane and BPCL SBI Card, keep reading to kick start your research. BPCL SBI Card Octane You can vouch for this credit card at Rs. 1,499 plus applicable taxes. With the BPCL SBI Card Octane, you get to enjoy the shopping and travel benefits along with the fuel benefits. Here are the features and benefits of this credit card.
BPCL SBI Card This is an entry-level fuel credit card that you can avail of at Rs. 499 plus applicable taxes. With the BPCL SBI Card, you get to enjoy shopping and fuel benefits only. The key highlights of this credit card are as follows:
Bottom Line: To conclude, both credit cards are good and you can apply for any one of them. However, BPCL SBI Card Octane offers more benefits and rewards as compared to BPCL SBI Card. Choose the one which suits your profile and then apply for it. Remember to adhere to the repayment cycles and maintain a low credit utilisation ratio in order to build a good standing account. Do share your experience with the BPCL SBI Card Octane and BPCL SBI Card in the comment section. Additional Reading - Is Paying With A Credit Card Safe?
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Is Paying With A Credit Card Safe?5/23/2022 Everybody takes a credit card to enjoy the benefits and its features, and most importantly to save money. No one will ever want to become prey at the hands of credit card frauds or lose money making a transaction. No donut you can use debit cards as well to make the transactions as they are also safe to use but you do not get the extra leverage as you do while using a credit card. On credit cards, you get credit card zero liability protection and many other features and benefits.
Not only the credit cards are safe to use but you also get to build a credit history with them which you will not be able to build with cash or debit card. Choosing credit cards as your primary payment method can be the best decision you will ever make. Here are some of the reasons why paying with a credit card can be the smartest choice that will keep you safe.
Bottom Line: To conclude, considering a credit card to pay your bills or for other transactions is no doubt an ideal choice to make as they are convenient to use and are way safer than any other mode of payment. Carrying a credit card is safer than carrying cash with you while traveling. Additional Reading - A Complete Guide To Credit Card Loan
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SBI is a leading credit card issuer that not only offers premium credit cards but basic level credit cards too. You can find the most affordable credit cards with SBI and they will perfectly fit with your needs. A low salaried employee can also apply for an SBI card and can begin their credit journey. Today we have covered two basic credit cards SimplySAVE SBI Credit Card and IRCTC SBI Platinum Credit Card which you can easily avail of. Read on to get an about the similarities and dissimilarities of these two credit cards.
SimplySAVE SBI Credit Card This is an entry-level credit card and you can vouch for this at Rs. 499 plus applicable taxes. The SimplySAVE SBI Card is best suited for shopping needs. Here are the key features and benefits of this credit card:
IRCTC SBI Platinum Credit Card You can get this credit card with the Joining fee of Rs. 500 and to keep enjoying the benefits of this credit card you need to pay a renewal fee of Rs. 300 from the subsequent year. The IRCTC SBI Platinum Card is also an entry-level credit card designed to meet shopping needs. Here are the key highlights of this credit card:
Bottom Line: To conclude, as we can see that SimplySAVE SBI Card is quite more rewarding as compared to the IRCTC SBI Platinum Card not only in terms of features & benefits but also in terms of the membership fees. However, you need to identify your needs and spending habits so that you can choose the credit card that suits your profile. In order to maximise the benefits of a credit card, you need to adhere to the repayment cycles and maintain a low credit utilisation ratio. This will surely help in building a good standing account and your credibility as well. Do share your experience with the SimplySAVE SBI Card and IRCTC SBI Platinum Card in the comment section. Additional Reading - SBI vs HDFC: Which Credit Card Is Good?
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Are you a frequent flyer? And have become overwhelmed with the heavy charges of travel. Now thinking of taking a travel credit card but still confused about whether you should take a travel credit card or not and which travel credit card will be the right choice. Since there is a complete range of travel credit cards in the market it can easily make it difficult for you to choose the right credit card for yourself. To make things easier for you we have listed below some important points that you must consider before applying for a travel card so that you can get the right credit card.
Without any further ado, here are the tips to consider before applying for travel credit cards.
Bottom Line: To conclude, to get the right travel credit card you also need to analyze your spending habit and needs in order to choose a credit card that matches them. You would not risk yourself losing the rewards and maximum benefits of your credit card if the reward program and your spending doesn’t match. Apart from this, following the above-mentioned points before applying for a travel card will help you to get the maximum benefits out of your credit card. You need to use your credit card wisely by keeping your credit card dues clear and maintaining a low credit utilization so that you can maximize the benefits of your credit card. Do share your experience while selecting the travel credit card for yourself in the comment section. Additional Reading - A Complete Guide To Credit Card Loan
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SBI vs HDFC: Which Credit Card Is Good?3/26/2022 The competition between credit card issuers is much more cutthroat now than it ever was. All of them are coming up with different relaxations and lucrative policies to attract more and more customers. Among all the players, SBI & HDFC are the two among the top. Both of them are considered highly reliable by the users, but still, there are certain points of distinction that might make one better for you than the other.
Let us compare SBI vs HDFC Credit Card to determine which one is more suitable for you: Joining fee/ Renewal fee Both SBI or HDFC Credit Cards provide certain cards with no joining and annual fee hence both are financially viable for the lower midsection of society as well. For other cards, the annual fee of SBI Credit Cards ranges from 499/- to 4999/- based on the premium card you are choosing. On the other hand, the HDFC Credit Card's annual fee ranges from 500/- to 12,500/- depending upon how premium the card is. Charges: On comparing SBI vs HDFC credit card, you can see the following charges and APRs: SBI Credit Cards:
HDFC Credit Cards:
Benefits: SBI Credit Cards:
HDFC Credit Cards:
Top Credit Cards: SBI Credit Card: Some of the top cards provided by SBI are:
HDFC Credit Cards: Some of the top HDFC Credit Cards are:
To summarize, after comparing both the credit card issuers we can say both are good at their own places. It all depends on you and your needs that you need to figure out before applying for a credit card. Getting the right credit card does all the work in maximizing the benefits of your credit card.
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A Complete Guide To Credit Card Loan3/14/2022 Before understanding a Credit Card loan, it is wiser to gain an understanding of what credit cards are and how they can help you!
What are Credit Cards? A credit card is a financial tool in the form of a plastic or metal card using which you can make payments for the purchases made by you and can pay the amount later in full or over time as per your convenience. A small interest rate is charged on the amount spent using a credit card. Credit cards are super useful as they award the cardholders with reward points, redeemable for several items. They help you save as well. What is a Credit Card Loan? A loan against credit card is an already approved form of personal debt. For getting credit card loans, hefty paperwork is not required and you can get it sanctioned easily. It is a type of unsecured loan, I.e. you are not required to pledge anything as collateral with the bank for borrowing the funds. Features of a credit card loan: The following are the relevant characteristics of a credit card loan that will help you in getting a comparatively better understanding of loan against credit card:
Banks providing loans against credit cards: HDFC BANK
ICICI BANK
SBI BANK
Axis Bank
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