How to check PAN card details by date of birth?

Permanent Account Number is one of the most important documents that an individual possesses. The 10-digit number is required to file income tax returns, earn taxable income, carry out transactions beyond the estimated limit etc. When it comes to PAN card details, it can be checked by individuals in different ways like through the PAN number, name, Date of Birth etc.


Below mentioned is the way an individual can check the detail of PAN using their date of birth:

  • Visit the e-filing website
  • Click on ‘Know Your PAN
  • Enter the date of birth in the format of the date, month and year
  • Provide the surname, middle name, and first name
  • Enter the Captcha code
  • Click ‘Submit’

On doing so, the individual can view the details like PAN card number, the name of the individual, jurisdiction as well as the status of the card which is displayed on the screen.



Pros and cons of ‘No cost EMI’ facility on credit card transactions

Are you planning to purchase a mobile or a wedding gift for your bestie, or any other home appliance, but don’t have sufficient funds to make the purchase? Don’t worry, the ‘No cost EMI’ feature offered on many credit cards is at your rescue. Not only that the feature allows you make an instant purchase without paying a penny, it will also enable you to pay the amount in easy monthly instalments at no extra cost.

If your credit card is offering ‘No cost EMI’ facility, you can give it a try for all your big-ticket purchases. Let’s look at the advantages and disadvantages of the facility to have a better understanding of the feature.

Advantages offered by credit card ‘No cost EMI’ facility

no cost emi

  • Easy conversion: With the EMI facility, the big-ticket purchases no more scare you. You can quickly convert the entire amount into EMI and pay it in small instalments every month.
  • Zero interest: While the typical EMI facilities offered on credit cards attract interest on the purchase value, the No cost EMI facility frees the cardholder from paying the additional amount on the purchase. The interest charged will be offered as discount and only the principal amount will be equally divided over the selected repayment tenure.
  • Quick processing: Conversion of transactions into EMI does not require any approval from the bank nor takes time for processing. It’s as instant as making an online purchase. When you opt for ‘No cost EMI’ using your credit card, the purchase amount will be blocked by your credit card issuer and after a few days, it will be converted into EMI. The first EMI will reflect in your next billing statement and will be included in the minimum amount due.
  • Flexible repayment: Most credit cards offer a flexible repayment tenure for credit card EMI transactions. The tenures range from 3 months to 24 or 36 months making it easy for the cardholder to repay in smaller instalments.
  • Positive impact on credit score: In case you have opted to make the big-ticket purchase using your credit card without using the EMI facility and for some reasons you were not able to repay the amount on time, you will end up in trouble. While partial repayment will attract interest on the remaining due, non-payment would lead to default. This could potentially impact your credit score.

On the other hand, opting for the ‘No cost EMI’ option would certainly save you from such situation as well as create a positive impact on the credit score as there won’t be any defaults.

Additional Reading: Amazon No Cost EMI, Flipkart No Cost EMI

  • Available across multiple products: Many credit cards are offering the no-cost EMI facility on a variety of products including mobile phones, washing machines, laptops, ACs, TVs, high-end cameras, refrigerators, kitchen appliances, furniture, etc.

A few drawbacks

While most of the features offered by the ‘No cost EMI’ facility look attractive, there are a few things cardholders need to consider before opting for the facility.

  • A one-time processing fee: There may not be any interest on the EMI amount, but banks typically charge a one-time processing fee to convert the transaction into EMI. It could typically vary from 1 to 2.5% of the transaction value based on the credit card issuer. However, compared to the percentage of interest which is usually charged on EMI transactions, the one-time processing fee may not make the purchase expensive.
  • Credit limit gets blocked till repayment: Even though you will be paying only a tiny portion of the total purchase value as EMI every month, the credit limit on the card will be blocked for the entire purchase value on the date of the transaction. Despite your monthly EMI credits, the limit remains frozen until the payment is made in full. This could potentially affect the future spending capacity on the card.
  • Pre-closure at additional cost: While some credit card issuers do not allow pre-closure of the EMI facility, some do allow but at a certain fee. Typically, banks charge 1-2% pre-closure fee for foreclosing the EMI facility.

By and large, the advantages offered by ‘No cost EMI’ outweigh the disadvantages, proving it to be a beneficial option for those planning to make big-ticket purchases using their credit cards. However, before choosing the facility, make sure to check with your credit card issuer about the availability of the feature on the purchases you wish to make. It’s just to carry out your purchases as per the bank’s policies to avail complete benefits of the ‘No cost EMI’ feature. Happy shopping!

Apply PAN card for Minors 2018


The Permanent Account Number (PAN) which is a unique identification number is required by every tax paying citizen of the country. Issued by the Income Tax Department, the number is also required by all tax paying entities like companies, local authorities etc in the country. The 10-digit number is required for a number of purposes like paying taxes, making huge cash deposits and investments etc. While most individuals apply for a PAN card after attaining the age of 18 years, one can avail the card before reaching the age of 18 years as well. This is because the Income Tax Department has not prescribed an age limit for availing the PAN card. Moreover, the PAN card acts a valid identity proof for the individuals who possess the card issued by the Income Tax Department under the Central Board of Direct Taxes (CBDT). But the question arises as to how can a minor avail a PAN card? Read on to find out more about how can a minor apply for a PAN card.

Applying for a PAN card for a Minor

The process of applying for a PAN card as for a minor is a simple one. It is almost similar to the process of availing a PAN card undertaken by a person who is beyond the age of 18 years. A PAN card for a minor can be availed by applying for it either through

  • Online mode
  • Offline mode

The application process for availing a PAN card for a minor while applying for it online involves the following process:

  • Visit the Tax Information Network website of the Income-tax department.
  • Click on ‘Apply for PAN online’ tab
  • Next, click ‘Apply’ under the sub-heading ‘Application for allotment of New PAN (Form 49A)’ or ‘Application for allotment of New PAN (Form 49AA)’ depending on the place from where the minor belongs
  • Fill in the details asked for in the form that appears on the onscreen
  • Upload the documents
  • Make the payment of the processing fees
  • Once the payment is successful, a reference number appears on the screen signifying that the application was received by the department.

While if one intends to make the application offline, the process involved is as follows:

  • Download Form 49A or Form 49AA from the NSDL or UTIITSL websites
  • Fill in the form
  • Attach the copies of the documents required with the form
  • Make the payment of the processing fee
  • Next, submit the form at the authorised NSDL PAN card centres of UTIITSL centres
  • On successful verification, the official present at any of the authorised centres of NSDL or UTIITSL accepts the application and provides the applicant with a pan acknowledgement number.

 What are the documents required by applying for PAN for a minor?

While applying for a PAN card for a minor, the documents required to be submitted during the process of application is the same as those required when an adult when he/she applies for it. However, apart from the proof of identity and proof of residence which the father or guardian of the minor needs to provide, a copy of the minor’s birth certificate along with two photographs of the minor is also needs to be submitted with the application form.  

Application processing fees required to be paid while availing a PAN card for a minor

The application fees that is required to be paid by the father or guardian for availing a PAN card for a minor is the same as that for an adult. The application processing fee is Rs. 110 (Application fee 93 + 18% Goods and Service Tax) for addresses that exist within the country. While the application fees which is required to be paid by the guardian if the communication address is from outside of the country is Rs. 1020 (Application fee Rs.93 + Dispatch charges Rs. 771 + 18% Goods and Services Tax).

Why do a Minor need the PAN card?

A minor needs a PAN card for a variety of reasons. Be it for identity purpose, opening a bank account or for availing government schemes etc having a PAN card can come in handy. There is also the reason of the minor earning an income. Though, in most cases the earning of the minor is clubbed with the parent’s income in some cases the income is taxable in the minor’s name as per Section 64 of the Income Tax Act.


Financial Tips For The 30’s

After you cross your 20s, a lot of things change. You tend to become more serious about your finances and how they can affect your future. It becomes slightly more difficult to do if you are an impulsive shopper. Sadly, maxing out your Credit Cards and living like there’s no tomorrow doesn’t really count as being financially responsible. If you have recently entered your 30s, it’s time for you clean up all your financial excesses and prepare for the major goals that lie ahead of you.

As you grow older, your income automatically increases. However, the sad news here is that your expenses shoot up too. You have to spend wisely and invest wisely to build wealth and have a secure future.

Here are a few steps you need to take in order to secure your financial health:

Plan For The Retirement

Retirement Planning

People often procrastinate when it comes to planning for retirement, assuming it’s too early to worry about it. While it may be true that you have time on your side, the earlier you start investing, the more time you give your investments to grow.

Delaying would imply the need to invest in riskier assets, aiming for a reduced corpus and an increase in the number of years till retirement. Also, consider the impact of inflation on the corpus when you calculate the amount you would need after retirement for your regular expense.

Choose Your Investment Assets Carefully


You can opt for an aggressive portfolio in your 30s by going in for stocks and Equity Mutual Funds but make sure you rearrange your portfolio from time to time to suit market movements.

You must diversify your portfolio to reduce risk. Invest in liquid assets to meet short and medium-term goals such as going on a trip or buying a car. When you pick an asset, calculate the effective returns after tax deductions.

Create An Emergency Fund

Emergency Fund

Once you have your goals in place, you might want to save part of your income for emergencies such as job loss, illness, accidents etc. An emergency fund is often ignored in financial planning, but it’s a must have to keep you going during an emergency. An ideal fund is worth six to eight months of your expenditure.

Keep Your Expenses Under Control

Expenses Under Control

It’s time you got rid of your habit of overspending if any and keep expenses within your means. Create a budget to keep spending under control. This will help you understand how things add up.

Pay Off Loans

Pay off Loan Debts

Sometimes borrowing can be necessary to meet your financial goals, but make sure you have proper repayment plans in place. Timely repayments can help you focus on other investments and Improve your Credit Score.

Make sure you don’t get into more debt when trying to clear other debts. In your 30s, you have the time and the flexibility to build a corpus for a secure future.

Start now, start small, scale up, and reap the power of compounded growth.

Keep these financial tips in mind and you’ll be roaring through your 30s ready to take on anything the future may throw at you.

How about managing all your finances in one place? Yes, catch hold of this app for all your personal finance needs and stay tuned with all the latest updates on finance!

Financial Planning: The Importance Of Setting Up Personal Finance Rules

When it comes to managing your personal finance in the best way possible, a simple thumb rule is far more powerful than the complex and meaningless advice. To simplify things for you, we have made a list of personal finance rules to help you get ahead financially, especially if you are new to financial planning.

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Let’s understand each of them one by one:

Savings – The 50-20-30 Rule

No matter how hard you try, do you find yourself living paycheck-to-paycheck? Are you clueless about how much to save and spend each month? Don’t worry. This rule will surely help. Here’s how to get started.

It states that:

50 percent of your income should go towards living expenses, which includes household expenses, groceries, etc.

20 percent should go towards savings for your short, medium and long-term goals

The remaining 30 percent should go towards your flexible expenses, which include food, travel etc.

The idea is to create outflow buckets for better control. You may tweak the percentage according to your age, circumstances, etc.

Car Loan – The 20/4/10 Rule

No matter which your dream car is, Car Loans are a popular choice when it comes to funding it. However, applying for an unrealistic Car Loan amount when buying a new car can leave you in a bit of a pickle, especially if a financial crisis strikes before it’s paid off.

If you’re stuck in a similar situation, the 20/4/10 rule can come to your rescue. You can use this rule to make the most of the car and the loan. It will also help you keep your finances under control when you’re buying a new car.

The rule states that you should save at least 20% for the down payment amount, finance the vehicle for no more than 4 years and keep total monthly vehicle expenses, including principal, interest, and insurance under 10% of your gross income.

Let’s explore each of these components in detail.

20: This is the percentage amount you need to make as a down-payment towards the loan. This figure ensures that you pay a sufficient amount initially and thereby decreases the total cost of your loan.

4: It refers to the tenure of the Car Loan. There are lenders out there who allow you to borrow for a tenure of 7 years as well, but that works more in the lender’s favour than yours. After all, the longer the loan tenure, the more you pay towards interest.

10: Ideally, this is the percentage of your monthly salary that should go towards the monthly instalment of the car. The lower the percentage, the better, since anything above that could easily put you in a debt trap.

Adequate Life Cover

Life Insurance is a risk management tool that makes sure your financial dependants can set up an alternative income stream in the unfortunate event of your death. It can help them maintain their lifestyles for a reasonable period and meet their financial goals even in your absence. If you’re uninsured or underinsured, you are effectively exposing your dependants to the risk of not having enough to fulfil those objectives.

However, determining how much Life Insurance cover is adequate can be a little tricky. So, going by the rule of thumb, one should ideally have a life cover that is at least 10 times your annual income.  So, if you’re earning Rs. 10 lakhs per annum, your coverage should at least be Rs. 1 crore.

However, do keep in mind that Life Insurance needs are governed by many variables like age, income, assets etc., and consequently the one-size-fits-all approach doesn’t always work. Also, don’t forget to review your insurance cover every few years since needs tend to differ at different stages of life.

Home Loan

Planning on buying a house of your own? Although taking a Home Loan is now easier than ever before, don’t forget that a Home Loan is a long-term commitment and you need to be extra cautious when applying for one.

The rule of thumb says that your monthly Home Loan EMIs should always be less than 30 percent of your monthly income. For example, if you are earning Rs. 50,000 per month, then your monthly EMIs should not exceed more than Rs. 15,000.

Also, if you have other EMI obligations such as a Car Loan or a Personal Loan, your combined EMIs should ideally be less than 50% of your monthly income. As long as you stick to this rule, there’s no need to worry about high Home Loan EMIs that could put you in a debt-trap.

To ease out the whole process of getting a Home Loan, there are a few online tools that could help you find the best deal and make the process more convenient and stress-free. Don’t forget to check them out before applying for a Home Loan.

Emergency Fund

Whether it’s meeting routine household expenses or your commitment towards EMIs, certain cash outflows are unavoidable. An emergency fund is not aimed at meeting your planned goals but should act as a safety net.

Although there’s no fixed rule on how much emergency cash one should keep in his/her savings kitty, it is advisable that an amount equivalent of at least 3-6 months’ worth of household expenses should be in one’s emergency fund to help you combat financial emergencies with no stress.

Following these easy thumb rules will help you make informed decisions about your financial future. But remember, they only provide a general direction and may not necessarily give you the exact picture. So, when in doubt, it’s always a good decision to consult a reputed financial expert to plan your finances well.

Now that you’re all set to take the road towards financial planning, go ahead and start investing for a better and secure future.

With the BankBazaar Mobile App in your pocket, you can ridiculously manage your finances with ease! Also boost your IQ in finance with regular financial tips and latest finance news.

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Guidelines for filling PAN card correction form

Permanent Account Number (PAN) is a 10-digit alphanumeric code assigned to all income taxpayers in India.

Non-Indian nationals doing business in India can also apply for a PAN card. PAN card is mandatory for financial transactions such as opening a bank account, the cash deposit of Rs.50,000 and above, and more importantly, to file income tax returns.

Guidelines For Pan Card Correction Form

pan card correction
here the process you will get to know about pan card correction

Home Loan Management Tips

Home Loan Management Tips
Home Loan Management Tips

Excited about moving into the house of your dreams? Congratulations! In case you took a Home Loan to make this dream come true, you don’t have to worry! All you need to do is—manage it well. Finally getting to say goodbye to that annoying landlord is nothing less than a huge relief. You can finally design the entire house based on your likes and dislikes. The colour of the walls, the interior design theme—you get to choose everything.

You can finally do whatever you want to (no matter how tacky it is) and that’s a great thing. While designing your dream house on your terms, you must not forget ignore managing your Home Loan. Buying a house is nothing less than a milestone in your life. You can make it more memorable by knowing exactly what you’re doing with your finances and how you’re managing the burden of a Home Loan.

Sooner or later you are bound to realise that you’re supposed to pay EMIs for a fixed period, just to actually own the house you just bought. When it comes to the process of getting a Home Loan and making the whole process a bit easier, you can trust us. The BankBazaar mobile app is here to give you a series of tips to manage your Home Loan better.

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Here’s what you can do different (and better) than others to manage your Home Loan:

Managing Your Money

Money Management

Now since you have a Home Loan (and maybe other financial liabilities), it becomes all the more important to manage your finances well. A simple way of doing that is by getting your money management skills in place. Instead of messing your money up and blaming it on the situations and people later, you need to take charge of your finances. To get started, make a list of places you have invested in. Don’t forget to include all those investments you have made like EPF, PPF, postal deposits and even ULIPs. The point is that you must know where your money is and where it’s going to go. If you have invested in places that are making you pay unnecessary interest, you need to close all those investments and focus on prepaying your Home Loan instead.

It’s Okay To Pay A High EMI

Home Loan High EMI

Yes, it can help you manage your Home Loan better as it helps reduce the overall loan tenure. As a result, the total interest that you’re supposed to pay to the lender also goes down. So, technically, by opting to pay more every month, you’re reducing your own financial burden. You get enough time to think about your retirement planning. Make way for some other crucial things in life by paying off that Home Loan as soon as you can.

Opt For Partial Pre-payment

Partial Payment

Don’t get stuck in following the usual EMI process and paying fixed amounts towards your Home Loan every month. Opt for pre-payment instead. You could use any of those one-time incomes to prepay your Home Loan. For instance, if you got a promotion recently or one of your Fixed Deposits just matured, you could use that free cash and prepay your loan. It’ll not only help reduce your loan obligation, but will also reduce the loan tenure. Paying off your Home Loan early can leave you enough free time and resources to plan other things in future. The good news? Most leading banks don’t ask you to pay heavy charges when you opt for a loan prepayment. And if they do, the charges are minimal.   

Lower Rate Of Interest

Lower Rate Of Interest

Make it a point to closely monitor the trends in interest rates. As soon as you see a dip, think about switching to a lower rate of interest. Based on the interest rate reset period, different banks generally reduce their rates at different times. If the reset interest band of your lender is wide, you may be at a higher interest rate for a long time after other banks have started to reduce their rates. So, the magic basically lies in being aware of what’s happening in the market. Switching to a lower interest rate will shave off a few years from your Home Loan. You still need to be a little careful. Why? Don’t jump too many times or with low interest rate differences. If you’re getting a good dip in the rate of interest, you should defiantly consider switching. But in case the difference isn’t much, it might be a bad idea to go for that switch. A heartening detail though is the removal of prepayment penalty. This can definitely boost the prospects of a Home Loan switch easing the cost burden for the loan borrower further.

Get The Calculations Right

Get the Loan EMI calculations right

Do you know about the existence of loan calculators? We know you hate dealing with numbers and complex calculations. That’s exactly you need to be introduced to these awesome instruments. These calculators can help you understand what loan amount you can sustain. They ask you a couple of questions to understand the situation of your finances and come up with solutions accordingly. What’s better than getting to know everything about your monthly loan payments, cash down payments and interest rate? Not just that. After doing all the necessary calculations, these awesome calculators also help you determine which Home Loan product is the best option for you. After all, you need to opt for something you can financially handle, right? Getting all the calculations in place can also help you plan your other daily expenses accordingly. Since Home Loan EMIs are a crucial part of your monthly budget, you must be able to balance all your other financial commitments as well.

Never Miss Loan Payments

Never Miss Loan Payments

Always find a way to pay all your Home Loan EMIs on time. Why? Well, it’s good to develop some good habits. The more crucial thing to consider here is your Credit Score. Missing EMI payments can severely affect your Credit Score and we’re pretty sure you won’t want that to happen, right? A good credit history is an important part of your financial life. All lenders in future will judge you based on your Credit Score. Your credit history determines your credibility as a loan borrower. Be it for a Credit Card or another loan, you need to have a good credit report to show. In case you fail to pay your Home Loan EMIs on time, your Credit Score takes a major blow. As a result, the chances of your loans and Credit Card applications getting rejected in future increase significantly. You won’t want that to happen, right? That’s why you need to budget and plan your months properly. Planning and budgeting is the best way to ensure that you have enough left to make those EMI payments. At the start of every month, as soon as you receive your salary, just take your Home Loan EMI and keep it aside.

If you keep all these tips in mind, managing your Home Loan will be like child’s play for you. It’s all about managing your money right. If you can do that, there’s no chance whatsoever that you’ll miss your Home Loan EMI payments.

With a wide range of home loan offers available on the BankBazaar app, apply for an instant home loan which suits you the best.

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PAN card cap should be removed, demand jewelers

After a survey report by GFMS cited that the year 2016 saw a 20% fall in the global physical demand for gold, the gold sector is anticipating Finance Minister Arun Jaitley to turn things around for it through this year’s budget. The demand for gold in India was badly affected and it was recorded to be at its worst stage since the year 2003.


Roopesh George from Kerala Jewellers informs that demonetization was one of the major factors behind the decline. In the month of November, when the government announced its demonetization drive, the gold sector witnessed a steep fall. However, the demand rose a little after that but is still far from normal. know about pan card for jewellery transactions.

Giving out his list of expectations from the upcoming Union Budget 2017, George says that he expects the FM to reduce the import duty on gold from the 10% that it is set on at present. Also, he says that the PAN card should be made compulsory for any purchase of jewellery only over Rs.5 Lakh.

Since a majority of farmers and people from remote areas of the country don’t possess PAN cards, the cap should be increased, he says. He believes that for Indian weddings Rs.2 Lakh is too low a limit.

Balance Transfers of Credit Card Debt to Personal Loan is Now an Easy Process

Earlier personal loans used to be solicited by consumers for instances like the wedding, education etc. But nowadays, more and more people are applying for personal loans to clear credit card debts. Consolidating all credit card debt into a single personal loan allows users to pay off the dues at a lower rate of interest and get a longer tenure to payoff the debts in.

The process of getting personal loan for clearing credit card debt has become much easier now with banks offering balance transfer option. For a consumer unable to repay the monthly payment due on the Credit card balance transfer to a personal loan is the best available good option.

However, just balance transfer is not enough to become debt-free. The consumer must be disciplined in their future expenditures to ensure they don’t end up accumulating more debt, while they pay of the existing debt in 12 to 18 months.

Also, interest rates on credit cards are somewhere between 24% to 48% p.a., whereas a personal loan can be availed at 18% to 24%, depending on the credit score of the borrower. So, getting a balance transfer loan at 24% for a credit card debt calculated at the rate of 48%, can directly save on interests payments of up to 24%.

Further, balance transfer also helps the borrower to improve their credit score, as they are shifting to a cheaper loan from an expensive one.

How To Look For The Right Credit Card

Planning to apply for a Credit Card? Are you looking for some great deals? Trying to find the right plastic buddy could be a little tiring. To ensure that you make the right choice, BankBazaar is here to guide you to keep some important things in mind.


It’s not just about getting a plastic card that can make your life more convenient and cashless. There’s a lot more to it. Apart from just letting you buy stuff and giving you the option to pay later, here’s what a Credit Card does for you:

Go Cashless

Tired of carrying that loaded wallet all the time? A Credit Card can surely simplify your life and lighten your pocket as well. With your plastic friend in your pocket, the chances of losing money reduce significantly.

Improves Your Credit Score

If you pay all your bills on time, a Credit Card can help boost your Credit Score. A good Credit Score can also significantly improve your chances of getting a loan/Credit Card application approved. Just train yourself to use a Credit Card wisely and you’re all set.

Online Shopping

Online shopping becomes way simple with a Credit Card in your wallet. Using the ‘Cash on delivery’ option might not be a convenient choice all the time. Besides, online shopping with a Credit Card also lets you win cashback and some great rewards.

Emergency Money

You can always rely on your Credit Card in case of an emergency. Life is unpredictable. Someday, you might find yourself in a situation where you urgently need money but have no backup plan. In such a sticky situation, you can always rely on your plastic friend.

Rewards And Discounts

Another reason that makes Credit Cards a better choice over Debit Cards is –rewards and discounts. These rewards depend on the type of card you’ve opted for. Some other amazing rewards include cashback, free access to airport lounges, frequent flier miles and much more.

Record Of Your Purchases

Do you end up losing track of your expenses every month? With a Credit Card in your pocket, you no longer need to worry. With your Credit Card statement, you’ll be able to track your expenses, which can help you immensely when planning your monthly budget.

Getting a Credit Card is not a bad decision, as long as you maintain it right. Now, let’s tell you how to look for the right Credit Card:

Travel Credit Cards For The Travellers

Do you travel too often? If yes, you definitely need to get a travel Credit Card (along with a regular card).

Why so? Travel Credit Cards are designed to help avid travellers get discounts on flight tickets and hotel bookings. If you want to score some handsome seasonal discounts, try making all travel bookings using a travel Credit Card.

Additionally, the amount you spend is added to your air miles or points, which can fetch you more discounts on your next purchase. Not just this. You also get to enjoy some free bonus time at airport lounges. Go on, pamper the travel bug in you.

Shopping Cards For The Shopaholics

If you’re a shopaholic, you need to get yourself a Credit Card exclusively meant for shopping. These are mainly of two types—Cashback Cards and Reward Cards. If you shop way too much, reward cards are the best since they accumulate points every time a purchase is made using the card. These points can then be redeemed for a range of products.

If you don’t shop much, you can consider going for Cashback Cards. These offer upfront cash back for each buy, just like retailer discounts. Moreover, these cards can be used for any purchases and bill payments as well.

Co-branded Cards For Brand Fanatics

Do you love a brand so much that you only buy their products no matter what? Don’t worry! This brand loyalty can actually help you save better. How? That’s when co-branded Credit Cards come into the picture.

Co-branded Credit Cards are issued by banks in collaboration with various retail stores and brands offering dedicated discounts for their regular customers. You essentially get paid for your loyalty. How cool is that?

Fuel Credit Cards

For those of you who are always on the move, saving every penny on fuel can be a big relief. So, next time when you pay for fuel, do it with a fuel card or petro card, to accumulate points on fuel buys. Some fuel cards even offer upfront cashback.

Specialty Credit Cards

Specialty Credit Cards are designed exclusively by the company for certain specific purposes. These speciality cards include women-centric Credit Cards, student Credit Cards and other lifestyle Credit Cards that are customised for a specific set of users.


Now that you’ve explored different types of Credit Cards, choosing the one (or many) that suit your lifestyle is not difficult. Whatever your need may be, BankBazaar has a plastic soulmate tailor-made just for you!

Download the BankBazaar Mobile App now for the best credit card offers!