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paisainvests-1 · 2 months

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Best RuPay Credit Card in India 2024

So, you’re on the hunt for the best rupee credit card in India for 2024, huh? With a plethora of options available, it can be quite a task to choose the right one. But don’t worry, we’ve got you covered. In this article, we’ll dive deep into the top RuPay credit cards available in India, scrutinising their features, fees, and eligibility criteria. By the end, you’ll have a clear picture of which card suits your needs the best.

Why Choose a RuPay Credit Card?

First off, why would you want a rupee credit card? Well, RuPay cards are Indian domestic cards launched by the National Payments Corporation of India (NPCI). They often come with lower transaction fees and are accepted widely nationwide. Plus, they’re perfect for anyone looking to support the Indian economy while enjoying some fantastic perks.

HDFC Bank UPI RuPay Credit Card

Features

The HDFC Bank UPI RuPay Credit Card is a stellar choice for those who frequently use UPI payments. You can link this card to your UPI ID and enjoy seamless transactions.

UPI Integration: Link your card to your UPI ID for hassle-free payments.

Rewards: Earn reward points on every transaction.

Cashback: Attractive cashback offers on online and offline purchases.

Security: Enhanced security features with tokenisation.

3% CashPoints: Earn up to 500 points per month on PayZapp transactions, groceries, supermarket, and dining spends.

2% CashPoints: Earn up to 500 points per month on utility spends.

1% CashPoints: Earn up to 500 points per month on other purchases, excluding rent, wallet loads, EMI, fuel, and government spends.

Redemption Rate: 1 CashPoint = Re. 0.25 or 0.25 Airmile.

Annual Fee

The annual fee for this card is ₹500, which is quite reasonable considering the features on offer.

Eligibility

To be eligible for this card, you need to be an Indian resident aged between 21 and 60 years. A good credit score and a stable income are also essential.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

Myntra Kotak RuPay Credit Card

Features

If you’re a fashion enthusiast, the Myntra Kotak RuPay Credit Card is perfect for you. It offers exclusive benefits on Myntra and other partnered stores.

Myntra Offers: Exclusive discounts and cashback on Myntra.

Reward Points: Earn reward points on all purchases.

No Cost EMI: Convert big purchases into easy EMIs at no extra cost.

5% Cashback: Earn cashback on spends at partner merchants, including Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company.

Unlimited 1.25% Cashback: Earn cashback on other category spends.

Instant Discount: Receive a 7.5% discount on every transaction at Myntra.

Complimentary Membership: Get Myntra Insider Membership at no additional cost.

Welcome Voucher: Receive a Rs. 500 Myntra voucher upon completing the first transaction worth Rs. 500 or more within 30 days of card issuance.

PVR Tickets: Get 2 complimentary PVR tickets every quarter by spending Rs. 50,000 or more in a quarter.

Lounge Access: Enjoy 1 complimentary domestic lounge access per quarter.

Annual Fee

This card comes with an annual fee of ₹499, which is waived off if you spend over ₹50,000 annually.

Eligibility

Applicants should be between 21 and 65 years old, with a stable income and a decent credit history.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

HDFC MoneyBack+ RuPay Credit Card

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Features

The HDFC MoneyBack+ RuPay Credit Card is designed for those who love to shop and get rewarded for it.

Cashback: Up to 5% cashback on all online spending.

Reward Points: Earn 2X reward points on grocery and utility payments.

Fuel Surcharge Waiver: Enjoy a waiver on fuel surcharges.

Earn 10X CashPoints on purchases from Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket.

Get 5X CashPoints on EMI spend at participating merchant locations.

Accumulate 2 CashPoints for every Rs. 150 spent in other categories.

Receive 500 CashPoints upon payment of the joining and renewal fees.

Enjoy gift vouchers worth Rs. 500 when you reach quarterly spending of Rs. 50,000 or more.

Benefit from up to 20% discount at partner restaurants through Swiggy Dineout.

Annual Fee

The annual fee for this card is ₹500, but it’s waived off if you spend more than ₹1 lakh in a year.

Eligibility

To qualify, you must be between 21 and 60 years old with a stable job and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

Tata Neu HDFC RuPay Credit Cards

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Features

For Tata brand loyalists, the Tata Neu HDFC RuPay Credit Card offers some exciting perks.

Tata Neu Coins: Earn Tata Neu Coins on every spend, redeemable across Tata brands.

Exclusive Offers: Get exclusive offers on Tata products and services.

Travel Benefits: Special travel deals and discounts.

Get up to 5% back as NeuCoins on non-EMI purchases from Tata Neu and partner Tata brands, including Air India and Westside.

Earn up to 1.5% back as NeuCoins on non-Tata brand purchases and any EMI transactions.

Enjoy an additional 5% back as NeuCoins on transactions made through the Tata Neu app or website, after downloading the app and registering for Tata NeuPass.

Access up to 8 domestic lounges per calendar year (2 per quarter).

Receive 4 complimentary international lounge accesses per calendar year (1 per quarter) with a RuPay Card.

Annual Fee

This card has an annual fee of ₹499, which is quite nominal given the benefits.

Eligibility

Applicants need to be Indian residents aged between 21 and 65 years with a stable income and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

IRCTC SBI RuPay Platinum Credit Card

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Features

If you’re a frequent traveller on Indian Railways, the IRCTC SBI RuPay Platinum Credit Card is a fantastic choice.

Railway Ticket Discounts: Get discounts on booking railway tickets.

Reward Points: Earn reward points on all transactions.

Fuel Surcharge Waiver: Enjoy fuel surcharge waivers at petrol pumps.

Earn 350 bonus reward points on a single transaction of Rs. 500 or more within 45 days of card issuance.

Receive 10% value back in reward points when booking AC1, AC2, AC3, Executive Chair Car, and Chair Car tickets via the IRCTC website or mobile app.

Enjoy a 1% transaction fee waiver on railway ticket bookings through IRCTC.

Accumulate 1 reward point for every Rs. 125 spent on non-fuel retail purchases.

Benefit from 4 complimentary railway lounge accesses each year.

Annual Fee

The annual fee is ₹500, but you can get it waived off by spending ₹2 lakh in a year.

Eligibility

To be eligible, you must be between 18 and 65 years old with a stable income and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

IndianOil Axis RuPay Credit Card

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Features

The IndianOil Axis RuPay Credit Card is tailored for those who spend a lot on fuel.

Fuel Points: Earn fuel points on every fuel purchase at IndianOil outlets.

Cashback: Get cashback on fuel purchases.

Reward Points: Earn reward points on all other spends.

Earn 4% value back on fuel purchases with 20 reward points per Rs. 100 spent at any IOCL outlets.

Get 1% value back with 5 reward points per Rs. 100 spent on online shopping.

Accumulate 1 EDGE reward point for every Rs. 100 spent on other categories.

Receive EDGE reward points worth up to Rs. 250, equivalent to the value of your first fuel spend made within 30 days of card issuance.

Enjoy a 1% fuel surcharge waiver on transactions ranging from Rs. 400 to Rs. 4,000 per month.

Save 10% on movie ticket bookings through the BookMyShow app or website.

Annual Fee

The annual fee for this card is ₹500, waived if you spend ₹30,000 annually.

Eligibility

You should be between 21 and 60 years old, with a stable income and a decent credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

ICICI HPCL Super Saver RuPay Credit Card

Features

For those who often find themselves at HPCL petrol stations, the ICICI HPCL Super Saver RuPay Credit Card is a great fit.

Fuel Surcharge Waiver: Enjoy a surcharge waiver on fuel purchases at HPCL outlets.

Reward Points: Earn reward points on all transactions.

Cashback: Get cashback on fuel and non-fuel purchases.

Earn 2,000 reward points when you spend at least Rs. 5,000 within 45 days of card issuance.

Get Rs. 100 cashback on a recharge transaction of Rs. 1,000 or more through the HP Pay app.

Receive 4% cashback, up to Rs. 200 per month, on fuel purchases at HPCL pumps.

Enjoy 5% back in reward points on grocery, departmental store, and utility bill expenses.

Accumulate 2 reward points for every Rs. 100 spent on retail purchases.

Gain an additional 1.5% savings with 6 reward points per Rs. 100 spent on fuel at HPCL outlets when paying via the HP Pay app.

Benefit from 1% cashback on the fuel surcharge for all fuel purchases up to Rs. 4,000.

Avail 25% off when booking at least 2 movie tickets through BookMyShow or INOX.

Receive 1 complimentary domestic airport lounge access per quarter when you spend Rs. 5,000 in the previous calendar quarter.

Annual Fee

This card has an annual fee of ₹500, which is waived if you spend ₹50,000 in a year.

Eligibility

To be eligible, you need to be between 21 and 60 years old with a stable income and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

What is a RuPay Credit Card?

RuPay, an Indian domestic card scheme, was launched by the National Payments Corporation of India (NPCI). It’s designed to fulfil the Reserve Bank of India’s vision of a domestic, open, and multilateral system of payments. In simpler terms, it’s a home-grown alternative to Visa and Mastercard, offering similar functionalities but with added perks for Indian users.

Benefits of Using RuPay Credit Cards

So, why choose RuPay over other options? Here are some benefits:

Localised Benefits: Tailored for Indian customers, often with lower transaction fees.

Security: Enhanced security features tailored to Indian regulatory standards.

Acceptance: Widely accepted across India, with an increasing global presence.

Government Incentives: Often linked with government schemes, offering extra perks.

#Best Credit Cards for 2024 #Best Credit Cards India 2024 #Best RuPay Credit Card #Credit Cards 2024 #India Credit Card Offers #RuPay Benefits #RuPay Card Comparison #RuPay Card Features #RuPay Credit Card India 2024 #Top RuPay Credit Cards

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cream582 · 7 months

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Canara Bank Credit Cards: A Comparative Assessment of Options

Canara Bank Credit Cards, a prominent public sector bank in India, presents a diverse array of credit cards tailored to suit different spending habits and lifestyles, each packed with distinctive features and benefits. However, the plethora of options available may seem daunting. This article serves as your guide, offering an in-depth comparison of Canara Bank’s credit cards to assist you in selecting the ideal one that aligns with your financial requirements.

Comparing Canara Bank’s Credit Card Offerings: An In-depth Analysis

Exploring Categories:

Canara Bank organizes its credit cards according to lifestyle preferences and the specific demographics they aim to serve.

Platinum Cards: Targeted towards high spenders, these premium cards offer exclusive rewards, lounge access, and insurance benefits. Samples comprise Canara Aditya Birla Cash Platinum Credit Card and Canara Kotak Chief Credit Card.

Gold Cards: Positioned in the mid-range, these cards provide decent rewards, airport lounge access, and insurance coverage. Samples comprise Canara RuPay Typical Credit Card and Canara BoB Choice Credit Card.

Travel Cards: Tailored for frequent travelers, these cards offer air miles/travel points accumulation, airport lounge access, and travel insurance. Samples contain Canara Altura Credit Card and Canara Vistara Credit Card.

Fuel Cards: Geared towards individuals with high fuel expenditure, these cards provide cashback or discounts on fuel purchases. Samples embrace Canara Indian Oil Credit Card and Canara HPCL Acclaim Card.

Lifestyle Cards: Designed for specific spending patterns such as dining, shopping, or entertainment, these cards offer exclusive discounts and rewards in those categories. Illustrations embrace Canara Gusto Credit Card and Canara Croma Acclaim Card.

Special Cards: Tailored for specific segments like farmers, senior citizens, or students, these cards offer customized benefits and lower fees. Instances comprise Canara Kisan Acclaim Card and Canara Scholar Recognition Card.

Analysis of Comparisons:

To navigate efficiently, let’s examine several crucial elements:

Annual Fees: Prioritize cards with either affordable annual fees or ones that waive the fee, especially if you don’t use the card frequently.

Reward Programs: Evaluate the reward rates, types of rewards (cashback, points, miles), and redemption options available to ensure they align with your preferences.

Welcome Offers: Take advantage of cards offering bonus rewards or gifts upon sign-up to maximize your initial benefits.

Fuel Surcharge Waiver: Save on petrol or diesel purchases by selecting cards that offer a waiver on fuel surcharges.

Lounge Access: Opt for cards that provide airport lounge access, particularly beneficial for frequent travelers seeking a more comfortable transit experience.

Insurance Coverage: Look for cards offering complimentary accident, travel, or purchase protection insurance to provide added peace of mind.

Additional Benefits: Explore cards with features such as dining discounts, movie offers, or extended warranties to enhance the overall value of the card.

Expanding the Analysis:

Keep in mind that the optimal Canara Bank credit card varies depending on your specific requirements and spending patterns. Consider the following factors:

Eligibility Requirement: Before applying for any card, ensure that you meet the minimum income or salary requirements specified for each card.

Creditworthiness: Maintaining a good credit score is essential to increase your chances of approval. Be diligent in maintaining a healthy credit history.

Payment Discipline: To prevent incurring hefty interest charges and late fees, make it a habit to consistently pay your bills on time.

Conclusion

In summary, selecting the appropriate Canara Bank credit card necessitates thoughtful evaluation of your lifestyle, spending habits, and financial objectives. This comparative assessment offers a structured approach to assess the various choices and arrive at a well-informed choice. It’s important to bear in mind that using credit cards responsibly can not only improve your quality of life but also contribute to a positive credit score, which is beneficial for future financial endeavors.

#Flickradar #Cybersecurity #Networking #Technologies #Platform #Mobiles #Canara Bank Credit Cards #Softwares #Gaming

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rajat32 · 1 year

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20+ Best Secured/FD-Based Credit Cards In India 2023

In India in 2023, demand for secured credit cards and credit cards based on fixed deposits (FDs) is still very high. These financial products give customers a secure and practical way to improve or worsen their credit scores while still enjoying credit card benefits. In this article, we'll take a look at some of the best secured and FD-based credit cards available in India in 2023. Whether you're new to credit or seeking to build your creditworthiness, these options offer a valuable chance to manage your money wisely while benefiting from the advantages that credit cards may offer. Let's look at these credit cards' characteristics so you can choose the one that best suits your needs and financial goals. Check

Main Points

SBI Card Unnati: Requires a fixed deposit, easy approval, and cashback offers.

ICICI Bank Instant Platinum Credit Card: No annual fee, available against a fixed deposit.

Axis Bank Insta Easy Credit Card: Secured against an FD, offers reward points and fuel surcharge waiver.

Kotak Mahindra Bank Aqua Gold Credit Card: No income proof required, available against an FD.

HDFC Bank Regalia First Secure Credit Card: Offers travel and lifestyle benefits, against an FD.

IDBI Bank Secured Credit Card: Against a fixed deposit, helps build credit history.

IndusInd Bank Secured Credit Card: Secured against an FD, with customizable limits.

Canara Bank Secure Credit Card: Against an FD, suitable for low-income individuals.

Standard Chartered Manhattan Platinum Credit Card: Secured against an FD, offers cashback and rewards.

Bank of Baroda Assure Credit Card: Against a fixed deposit, no income proof required.

RBL Bank Fun+ Credit Card: Against an FD, offers rewards and benefits.

Yes Bank Secured Credit Card: Against an FD, helps build or rebuild credit history.

Karnataka Bank VISA Classic Credit Card: Available against an FD, offers convenience.

PNB RuPay Select Credit Card: Secured against an FD, with rewards on spend.

IDFC First Bank Secured Credit Card: Against an FD, suitable for individuals with limited credit history.

Karur Vysya Bank Freedom Credit Card: Against an FD, no annual fee.

Federal Bank SBI Credit Card: Secured against an FD, co-branded with SBI.

Ujjivan Small Finance Bank SBI Credit Card: Against an FD, designed for financial inclusion.

Tata Capital Secured Credit Card: Against an FD, with a focus on credit-building.

AU Small Finance Bank Secured Credit Card: Against an FD, with competitive interest rates.

South Indian Bank VISA Classic Credit Card: Secured against an FD, offers global acceptance.

City Union Bank VISA Classic Credit Card: Against an FD, no joining fee.

Conclusion

Last but not least, the introduction of secured and fixed deposit (FD)-based credit cards in India for 2023 gives people a critical opportunity to establish or rebuild their credit histories while utilising the simplicity and benefits of credit cards. These cards are designed to be user-friendly and to offer a variety of features to satisfy different financial demands and preferences.

#creditcards #finance

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new-haryanvi-ragni · 1 year

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Now, Link Rupay Credit Cards With Google Pay For UPI Payments In India

The feature is now available to RuPay credit card holders of Axis Bank, Bank of Baroda, Canara Bank, HDFC bank, Indian Bank, Kotak Mahindra Bank, Punjab National Bank and Union Bank of India. source https://zeenews.india.com/personal-finance/now-link-rupay-credit-cards-with-google-pay-for-upi-payments-in-india-2612029.html

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thecroxtimes · 1 year

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Kotak Mahindra Bank Allows UPI Payments

Kotak Mahindra customers can now leverage the power of UPI transactions using their credit cards. Kotak Customers having a credit card can use their credit card balance to make UPI transactions. This option is currently available only for RuPay credit cards. The Kotak Mahindra Bank may be used with a few UPI apps such as BHIM UPI, Paytm, PhonePe, free charge, and PayZapp.

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manikandan1520 · 1 year

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Kotak Bank Launched New Rupay Type Credit Card full details in Tamil @Te...

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paynxt360 · 2 years

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RBI rolls out new payment methods to further accelerate the adoption of digital payments among consumers in India

The shift from cash to a cashless society in India has been a revolution and the one major factor that has resulted in this revolution is the Unified Payments Interface. Notably, the Unified Payments Interface (UPI) has substantially changed the way Indian consumers make payments. UPI has brought the benefits of the digital payment ecosystem to the masses in India. The consistent push from the Indian government, along with the emergence of new-age Fintech startups and consumer-payments apps, has helped the adoption and widespread popularity of UPI over the last few years.

Notably, UPI transactions account for over 68% of over 260 million digital payments processed daily in India, according to the Reserve Bank of India. Furthermore, over 250 million unique users and 50 million merchants have been onboarded on the UPI platform. During April to September 2021 period, the number of merchants accepting digital payments surged by 500% compared to the October to March 2019 period. In July 2022, the UPI transaction count crossed 628 crores with transaction value reaching 10.63 lakh crore.

Over the next five years, the Indian government is aiming to cross 1 billion UPI transactions per day. Consequently, to achieve its target and to further amplify the usage of UPI among consumers in the country, the government is innovating in the digital payments space and rolling out new payment methods, which will accelerate the digital payment landscape growth in India. For instance,

In September 2022, the Reserve Bank of India (RBI) introduced UPI Lite, a digital payment interface for low-value transactions. The fact that consumers can make low-value transactions in near-offline mode makes it a game-changer, especially for consumers in rural areas, where access to the internet is still lagging. Notably, UPI Lite allows consumers with feature phones to make digital payments just like UPI allows for smartphone users.

In the first phase of UPI Lite, transactions will be completed in near-offline mode. It means that consumers do not need to have an internet connection for debit transactions. For credit transactions, users need access to the internet. However, during the second phase of UPI Lite, the National Payment Corporation of India (NPCI) is planning to conduct both debit and credit transactions in offline mode. Currently, the upper limit for UPI Lite is set at INR 200 as it is aimed at low-value transactions.

On the other hand, the total limit of UPI Lite on the wallet would be INR 2,000 at any given point. Initially, the customers of eight banks will be able to use the UPI Lite payment method. These banks include HDFC Bank, Canara Bank, Punjab National Bank, State Bank of India, Kotak Mahindra Bank, Indian Bank, Union Bank of India, and Utkarsh Small Finance Bank. Going forward, more banking partners are expected to launch the service for their customers across India.

Through the launch of UPI Lite, the RBI is aiming to onboard another 400 million users onto the UPI platform. Notably, the central bank also announced the launch of the RuPay credit card on the UPI network to accelerate digital payment adoption and market growth. Until now, only debit card users could make digital payments using the UPI network. Notably, the launch of UPI Lite and UPI credit card payment methods will further accelerate the adoption of digital payment methods in the country, boosting the transaction volume and value over the next few years. In addition to this, the RBI also announced the launch of cross-border inward bill payments using the Bharat Bill Payment System in September 2022.

The success story of UPI in India has also attracted some of the major economies around the world to launch the digital payment method in their own country. For instance,

In August 2022, NPCI signed an MoU with PayXpert for the acceptance of UPI payments in the United Kingdom. This strategic collaboration will make the UPI payment method acceptable at all point-of-sale devices of PayXpert for in-store payments in the United Kingdom. Notably, NPCI has a similar arrangement for UPI in other countries such as France, Singapore, the United Arab Emirates, and Nepal.

Over the next three to four years, NPCI is expected to enter into more strategic collaborations with global players to launch and expand the acceptance of UPI across the world. In India, PayNXT360 expects UPI to further accelerate the shift toward a cashless society over the next few years, as the launch of UPI Lite for feature phones means that more consumers, especially those in rural areas, can now use the digital payment method for their daily transactions.

To know more and gain a deeper understanding of the prepaid card market in India, click here.

#prepaidcard giftcard payments digitalpayments PayNXT360

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govind-goswami · 3 years

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What is a Zero Balance Account?

Savings Accounts

Banks offer savings account, a type of deposit where you can deposit your money and savings. In most cases, savings account come with a minimum average requirement that you need to maintain to avoid paying maintenance fee. Depending on the bank the minimum balance can be calculated on a monthly or quarterly basis.

Also, you receive interest on your deposit.

What is Zero Balance Bank Savings Account?

Zero balance account is a kind of savings account with zero charges on non-maintenance of balance. This means that the account gives you the flexibility to spend without worrying about maintaining a minimum average balance.

Types of zero balance savings accounts

There are three main types of zero balance savings account. Basic Savings Bank Deposit (BSBDA), Basic Savings Bank Deposit (BSBDA) Small Account and accounts opened online through Aadhaar OTP authentication.

Online Zero Balance Savings Accounts

Online zero balance accounts are savings account that you can open instantly online through Aadhaar OTP authentication. However, not all online savings accounts are zero balance accounts.

Indian citizens above 18 years of age can open the account. Generally, these accounts are meant for individual use and joint accounts may not be available.

You can download the bank’s mobile banking app or fill the online account opening form to open the account. PAN, Aadhaar card and Aadhaar linked mobile number are needed to open the account. The account is opened after successful verification of the Aadhaar OTP. These account are e-KYC accounts and are valid for 12 months by visiting the bank branch or meeting with a bank official with the required KYC documents. Few banks also provide with the facility to complete your KYC process through the Video KYC process.

Basic Savings Bank Deposit (BSBDA)

Having a bank account is the sign of financial inclusion. However, in India, many people don’t have a bank account. So, Pradhan Mantri Jan Dhan Yojana (PMJDY) was launched in 2014 to ensure financial services to everyone. Basic Savings Bank Deposit (BSBDA) is the bank account opened under PMJDY.

People who have other bank accounts are not eligible to open BSBDA.

Individuals above 18 years with a valid photo id proof and address proof can open the account. Accounts opened through valid KYC documents don’t have any restrictions.

BSBDA Small Account:

Individuals who don’t have a valid Photo ID proof and address proof as per the bank’s acceptable list of documents can open a BSBDA Small Account by submitting a self-attested photograph and signature/thumbprint.

Customers need to provide KYC documents within 12 months from the date of account opening to continue using the account. If unable to furnish documents within 12 months, customers need to provide evidence of application of the KYC documents. In this scenario, the account can be extended for another 12 months.

However, as the account is opened without any KYC documents, several restrictions are put in balance. The total balance in the account should not exceed Rs. 50,000 at any point of time. Also, the total credits in all the account should not exceed Rs. 1 lakh at any point of time and the total withdrawals and transfers in the account should not exceed Rs. 10,000 in a month.

Features of Zero Balance Accounts

Zero Balance Saving Account has different features. Here are some of the features.

No minimum average balance: Many depositors may not be able to maintain an average balance. Zero balance savings account solves this problem. These zero balance accounts don’t have any minimum average balance requirement so you can utilize your money without thinking about maintaining the minimum average balance.

No initial deposit: In case of a regular savings account, banks charge an initial deposit amount that customers need to pay on account opening. However, zero balance accounts don’t have any initial deposit amount.

Earn Interest: Account holders receive interest on their zero balance accounts just like a regular savings account. The interest earned from the deposits is credited at the end of every quarter.

Passbook: Customers receive passbook to check their account activity.

Debit Card: Debit card is also available for zero balance account holders. Basic savings account holders get a free RuPay Debit Card that they can use to carry out transactions within India.

However, for online savings zero balance account customers, the issuance of debit card will depend on the bank.

Cheque book: Zero balance customers can avail cheque book facility. A cheque is considered as a valid proof of bank account for different uses such as investing in stocks and mutual funds among others.

Internet Banking: Internet banking facility is another feature of the account. Through internet banking, customers can transfer money, pay bills, shop online instantly without spending any cash.

Other banking facilities: Customers who have completed the KYC process can avail different banking products such as Fixed Deposit (FD), Recurring Deposit (RD) that can help you save money for the future.

Conclusion: Zero balance savings account is like a regular savings without any minimum average requirement. Basic Savings Bank Deposit Account can be an ideal financial tool for customers to enter the formal banking system and gain various financial assistance.

Individuals above 18 years of age with a PAN card and Aadhaar card can open an online zero balance account like Kotak 811 from the comforts of their home without any paperwork.

#zero balance account #savings account #fixed deposit #recurring deposit

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best-buy-consolidators · 3 years

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Best Smart Phones In 25000-30000 Price Bracket

1. Mi 11x 5g:-Original Price Rs.33,999 in this sale u get Rs.6000

off on this phone ,you can also get additional Rs.1250 off if you use Kotak credit or debit card ,ICICI credit or debit card or you any rupay credit card .You can also get upto Rs.18000 off on exchangePrime members will get 6 months screen replacement for free. Click the link below to buy this amazing phone

2.Poco F3 Gt: If you are into gaming then this powerful packed masaledaar feature loaded phone with maglev triggers is for you.

click on the link to buy this phone on flipkart

3.IQOO 7 5g: Another superb smartphone which was introduced at Rs.34,999 but in this great festival sale ,you are getting Rs.5000 off on this and addition to this Rs.3000 instant discount on all bank cards on minimum purchase of Rs.26990

Click on the link below to buy this phone

3.Oneplus Nord 2 5G:

Get this phone in this sale with exciting offer, get Rs.1500 on SBI credit card ,bank of Baroda, Yes Bank, Axis Bank, Citi Bank etc.

Click on the link below :-

4.Realme Gt master edition:- This phone has a Price of Rs.25,999

But You can get 10% of using SBI debit, credit card Making it an one of the best choice in this price bracket

Click on the link below to but this phone

5.Realme X7 max: Available at Rs.26,999 this phone is deserved to be in this list. You can get 10% discount using SBI credit, debit card

Click on the link to buy this phone

These recommendations are also given by many youtubers ,so buy this smartphones before offers runs out

#smart phones #android #android phone #amazon #affiliateprogram #trending #latest technology #october 2021 #xiomi #realme #poco #blog post #technology #mobile phones #best deals #great indian sale #oneplus

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technuter · 5 years

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Know everything from Google for India 2019

At the fifth edition of its annual ‘Google for India' event, Google announced its plans to make the internet more accessible, inclusive and empowering for everyone in India. Talking about India’s digital transformation, and the unprecedented opportunities it has created, Caesar Sengupta, Vice-President, Next Billion Users Initiative and Payments shared, “With Google’s ongoing commitment to improve access beyond train stations to villages across India, we have partnered with BSNL to bring fast, reliable and secure public WiFi to villages in Gujarat, Bihar and Maharashtra. Talking about India’s potential to contribute to advancements in AI and its application to tackle big challenges. He announced, Google Research India. An AI lab in Bangalore that will focus on advancing fundamental computer science and AI research and applying this research to tackle big problems in fields like healthcare, agriculture, and education while also using it to make apps and services used by billions of people, more helpful.”

Google for India 2019 Announcements

Partners with BSNL to bring fast, reliable and secure public WiFi to villages in Gujarat, Maharashtra and Bihar Launches Vodafone-Idea Phone Line powered by Google Assistant -- to make information accessible to 2G users Expands Indian language support across Google Assistant, Discover, Lens and Bolo Launches Tokenized cards for debit card and credit card users across India, and a brand new ‘Google Pay for Business’ app for merchants Introduces Spot Platform on Google Pay for merchants to create branded commercial experiences that bridge the offline and online worlds Announces a new Jobs effort focusing on entry-level jobs, and a partnership with National Skills Development Corporation for their Skill India program In addition, Google also announced an initiative to help the hundreds of millions of Indians who use 2G phones get the information they need, without requiring data or an internet connection. While improving access to the internet is just the first step, making it relevant and helpful, with information they need, and in the languages they speak, is equally critical. Recognizing Assistant’s popularity in India, Manuel Bronstein, Vice President, Product Management, Google said “For many Indians, voice is increasingly becoming their preferred way to search, and today Hindi has become the second-most used Assistant language globally--after English.” He announced an all new experience in nine Indian languages , that will help users talk to their Assistant more naturally, without the need to go digging around in settings. For example, Hindi speaking users can now simply say, “Hey Google, talk to me in Hindi”. The feature will be accessible on all Android, Android Go and KaiOs devices. He also announced that interpreter mode will be coming soon to the Assistant on Android and Android Go phones in the coming months, which will help translate from one language to another, helping unlock more relevant information and content for even more users across India. Manuel also launched, The Vodafone-Idea Phone Line—supported by the Google Assistant that enables Vodafone-Idea users to call a single number free of charge (000 800 9191000), at any time, and ask for everything from sports scores, traffic conditions and weather forecasts or simply get help with homework. Avneesh Khosla, Operations Director, Marketing, Vodafone Idea Limited said, “There are millions of Indians who are still using feature phones, and are unable to enjoy the benefits of mobile internet. Through this partnership with Google, we are bringing a first-of-its kind offering for our feature phone users -- the Phone Line service enables our customers to call a number free of charge, and access the Google Assistant to experience the power of the Internet even without a data connection.” Alongside making the Assistant more helpful for Indians, Yossi Matias, Vice President, Engineering, Google announced “We are adding more Indian languages to Discover—a Google feed that gives Indians updates on the stories they care about. These include Tamil, Telugu, Bengali, Gujarati, Marathi, Kannada, and Malayalam with Oriya, Urdu and Punjabi to follow soon.” Continuing its effort to bridge the learning & reading gap in India, Google expanded Bolo, a speech-based app that helps children learn to read, to five new Indian languages -- Bangla, Marathi, Tamil, Telugu and Urdu, and expanding our content pool by partnering with publishers like Chotta Bheem and Katha Kids. Sapna Chadha, Director of Marketing, Southeast Asia & India, Google said, “Bolo has already helped 800,000 young Indians read stories more than three million times, and speak half a billion words. In partnership with NGOs like Saajha, the Kaivalya Education Foundation, Pratham Education Foundation, Room to Read, and working together with state governments and schools, our aim is to make Bolo reach even more children across the country.” Sapna also said, “Google Lens--which allows people to search for information, ask questions and translate text by pointing their phone’s camera at things they’re interested in, will now be available in Tamil, Telugu and Marathi.” Highlighting Google Pay’s contribution in supporting India’s digital payments ecosystem, and building platforms for economic opportunity Ambarish Kenghe, Director, Product Management, Google Pay said, “The biggest story in India’s booming internet economy has been the rise of digital payments. With BHIM UPI crossing 900 million payments last month, India is setting the global standard on how to digitise payments. In the last 12 months alone, Google Pay has grown 3X to reach to 67 million monthly active users, driving transactions worth over $110Bn on an annualized basis, with hundreds of thousands of offline and online merchants.” To further support the growth of digital payments, Kenghe announced the launch of the Spot platform on Google Pay that enables merchants to create branded commercial experiences that help bridge the offline and online worlds. As part of the early access program, Google Pay users will already be able to use Spot of popular services like UrbanClap, Goibibo, MakeMyTrip, RedBus, Eat.Fit and Oven Story. In addition, Google Pay also announced the launch of tokenized cards for debit and credit card holders--a secure way of paying for things using a digital token on your phone rather than your actual card number. Tokenized cards on Google Pay will be rolling out in the next few weeks with Visa cards for HDFC, Axis, Kotak and Standard Chartered banks, and support to cover Mastercard and Rupay and more banks in the coming months. Talking about Google Pay’s plans to rapidly expand the adoption of digital payments by merchants, Kenghe, said, “The vast majority of India’s over 60 million small businesses are still not benefiting from the growing digital economy. We’re launching a new app called Google Pay for Business: a free and easy way for small and medium-sized merchants to enable digital payments without the hassle of time-consuming onboarding and verification process. We hope these initiatives will help merchants adopt digital payments with more confidence, and help contribute to the long term growth of online financial services for the benefit of every Indian.” Enabling economic opportunities for every Indian also means helping people prepare for jobs and connecting them with the right opportunities. Caesar Sengupta, Vice-President, Next Billion Users Initiative and Payments announced a new Jobs effort focusing on entry-level jobs that are not easily discoverable online. He said, “Jobs will be available as a Spot on Google Pay to help job seekers find and prepare for entry-level positions that fit their needs. It uses machine learning to recommend jobs and training content to help these users prepare for interviews and learn new skills. Jobs also makes it easy for them to apply, schedule interviews and engage directly with potential employers.” Caesar further announced a partnership with the National Skills Development Corporation for their Skill India program. As part of this collaboration, Skill India students will be offered a seamless way to get started with Jobs and find employment opportunities. Job Spot is being introduced with 24 early partners like 24Seven and Healthkart in retail, Swiggy, Zomato and Dunzo in delivery and logistics, and Fabhotels in hospitality, with more sectors and partners to be announced in the coming weeks. Speaking at the event, Ravi Shankar Prasad, Honourable Minister of Communications and Electronics and Information Technology, Law and Justice, Government of India, said “Digital India was designed to ensure digital inclusion. Today I wish to compliment Google for launching so many new products contributing to this goal with due regard to safety and security. I don't have a slightest doubt that Google has a crucial role in helping India achieve its goal of a trillion dollar digital economy.” Read the full article

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ramkumar010809-blog · 7 years

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REALCASH IS INTRODUCING A GPRS POS DEVICE FOR BETTER CUSTOMER CONVENIENCE

With the innovation in the payment industry, digital payment is becoming more common in use. RealCash Technologies Limited is service the nation with its financial services since January 2017 and is expanding with its unique and merchant friendly plans. The company is coming up with a GPRS POS terminal after it successful journey with its mobile point of sale terminal. The GPRS POS device works as a card swipe machine with allows the merchants to accept payments from debit and credit card on the go. The device is easy to use and easy to carry in the pocket as well. The device comes with the variety of features which makes it unique and special from the other POS terminals as it is an ideal solution for the businesses which lacks counter space in their stores. The merchants can avail this this ultimate business partner for INR. 5555/- including GST for experiencing the seamless digital payments without the hassle of printed receipts. With this paperless feature, the device has many amazing features which are- 1) Accepts All Cards- It allows the merchants to receive payments via debit and credit card from the contact and contact less card acceptance feature and cards of the major brands like MasterCard, Visa, Rupay and American Express. 2) Wireless Connectivity- GPRS POS terminal is a simple, compact and easy to use device with wireless connectivity-GPRS, WI-Fi and NFC to make life easier. 3) Digital Payment Options- It accepts payments through debit / credit cards and mobile payments from the e-wallets like MobiKwik, freecharge, airtel money, payU money, citrus pay. 4) Cash@POS or miniATM- With the GPRS POS device, the merchants can also offer the customers a cash withdrawal facility from their stores and can earn commissions. 5) Card on delivery- By using the GPRS POS terminal, the merchants can enable the customers an option of making transactions at the doorsteps via debit and credit card. 6) EMI facility- With the GPRS POS device, the merchants can offer an EMI option to the customers from the 9 major banks which are- Axis Bank Limited, Central Bank of India Limited, Corporation Bank Limited, HSBC Bank, ICICI Bank Limited, IndusInd Bank Limited, Kotak Mahindra Bank Limited, RBL Bank, Standard Chartered Bank. 7) Signature pad- It offers signature capture of the customers digitally which helps in saving time and reducing error. 8) Paperless receipts- The device generates e-receipts for every purchase which helps the merchants as well as the customers from maintaining the paper receipts.

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