Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Diwali Offers for Credit Card

    Diwali, the festival of lights, is an occasion that is celebrated by all the people in this country. It is celebrated as a victory mark of good over evil. People decorate their houses with candles, light crackers, share sweets and enjoy with their loved ones. Most of us, who live far away from our homes for work related purposes find it as the right time to visit their family during Diwali. It is one of the happiest times of the year which brings everyone closer.

    Happy times also mean that you give gifts to all the people you love and also get a few too! When it comes to meeting the entire family, you need to buy gifts for your parents, spouse, children, siblings and the extended family too. Buying all the gifts spending hard cash can be difficult at one go. Instead you can choose to use your credit card to buy gifts for your family and friends.

    BankBazaar Credit Card -Diwali Offers
    Bank's Credit Card Offers E-Commerce Credit Card Offers
    Credit Card Offers Goibibo Credit Card Offers
    Citibank Credit Card Offers BookMyShow Credit Card Offers
    American Express Credit Card Offers Big Basket Credit Card Offers
    IndusInd Bank Credit Card Offers Cleartrip Credit Card Offers
    HSBC Credit Card Offers Croma Credit Card Offers
    SBI Credit Card Offers ebay Credit Card Offers
    HDFC Credit Card Offers Credit Card Offers On Gold Purchase
    Kotak Credit Card Offers Jet Airways Credit Card Offers
    ICICI Credit Card Offers Myntra Credit Card Offers
    Axis Bank Credit Card Offers Makemytrip Credit Card Offers
    Standard Chartered Credit Card Offers Paytm Credit Card Offers
    RBL Bank Credit Card Offers Pepperfry Credit Card Offers
    Visa Credit Card Offers Spicejet Credit Card Offers
    MasterCard Credit Card Offers Shopclues Credit Card Offers
    Snapdeal Credit Card Offers
    Yatra Credit Card Offers
    Amazon Credit Card Offers
    Flipkart Credit Card Offers

    Why is a credit card important during Diwali festival?

    Credit cards can definitely prove to be your best friend in your pocket. It gives you financial support when you need it the most. With credit cards you can buy all the gifts that you want for your family and friends. These payments can be converted to EMI (Easy Monthly Instalments) so that while repaying the money to the bank, you do not face a financial crunch. You can plan how much you wish to repay every month and get it auto debited from your account too. This way you will not be spending ad-hoc money from your savings and your finances will run smoothly too. Giving gifts to your family during Diwali is a great thing to do but you should also remember that your finances needs to well managed too.

    This Diwali, don’t take a debt. Use your credit card:

    When it’s Diwali time, shopping comes automatically. Several offers and discounts are lined up during this time of the season. However, before you splurge your Diwali bonus or your savings, stop and think about the numerous reward points that could have been earned by careful spending on your credit card.

    Before you head out to the shop, it is advisable that you calculate the reward points that you have accumulated on your credit card. Most banks offer rewards for every Rs.100 spent on the credit card. Generally, you get 1 point for every Rs.100. So, if you have spent Rs.30,000 using your credit cards, you will have 300 reward points accumulated on your credit card.

    If you analyse properly, you will be able to find out that offers that come with cashback yield more rewards. At present, most of the banks offer cashback of 5% to 7%. This means that when you spend an amount of Rs.6,000 using your credit card, you will be getting a cashback of Rs.300, at least.

    All the offers are associated with some terms and conditions. Make sure that you study them well and understand them. In most cases, the terms and conditions are stated in a way which would favour the bank. However, you can make them work in your favour if you are aware. Thus, you must make a move before time runs out and head to a store where you can avail more benefits.

    If you are planning to head home during Diwali, then you must keep checking for dates when there are offers on the flight tickets.

    The rates of interest associated with credit cards are high. So, it is very easy for you to fall in a debt trap. The best way to avoid such a situation is to spend carefully and in a disciplined manner. Only buy the things for which you can repay before the due date is over. It is always better to repay the entire bill amount rather than paying just the minimum due balance.

    Diwali gets competition:

    Many years ago shopping in Diwali was very different. Shopping needs had to wait till Diwali arrived. It was a big deal for every family. From school bags to shoes, bedsheets to party wears, everything had to wait till Diwali as that was the time of the year when the shopping spree begun.

    However, now the situation is pretty much different. Every season there is some reason to shop. Discounts are also available for various occasions. May it be electronic appliances or clothes, things are on sale even when it is not Diwali. People also shop individually a lot as they do not find a lot of time to spend together. Also, virtual shopping on websites is convenient and quick. So, some people shop on these websites too.

    Bottom line:

    Diwali shopping is something very special. Even if you get a lot of offers throughout the year, you will still feel like shopping during the Diwali. Ensure that you find the best deals for yourself and make the most of the available Diwali offers.

    Credit Card Reviews

    • HDFC Bank Credit Card
      "Should be transparent"
      0.5 3.0/5 "Satisfactory"
      I am holding HDFC rewards card its a life time free credit card, more than three years I am using it, they gave me the enhancement of the limit. I have redeemed the points into voucher but I didn't get that benefits, I received the message stating I will get voucher within few days, they should be transparent.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • Citibank Credit Card
      "Nice Fuel Card"
      0.5 5.0/5 "Blown Away!"
      From CITI bank I have taken Indian oil card now my spouse is using my card. The points are good for the spends, the limit is good, the bank is sending the statement on time. Payment gateway is very convenient to make bill on time. I am fine with this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card more than one year, there was no limit enhancement. Anyway its enough for me, I used to get reward points and also the cash back on the spends. The customer support is good in ICICI, they resolving the queries on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • RBL Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding RBL credit card for long time,They have not charged me annual fee in this card,as it is life time free credit card,and i am happy with the credit limit which they have given me in this card,and even they use to give good offers.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am not happy with the Sbi credit card service,their service is not up to the mark,and they have not charged me annual fee in this card,as it is life time free credit card,and the credit limit which they have given me in this card was good,but their offers in this card is not much.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding ICICI bank credit card for long time,They have not charged me annual fee in this card, as it is life time free credit card,and i am happy with the credit limit which they have given me in this card,and even they use to give good offers.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am using the credit card with the SBI CARD they have given the credit card limit which is satisfactory with this card also it is user friendly to access. They provide with good offers like cash backs, rewards points and i am using it since from last few years.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • Citibank Credit Card
      "GOOD CARD TO USE"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with the CITIBANK where the card is user friendly also it is convenient to access. The credit limit with the card is satisfactory also the card has the good offers with this card which was satisfactory. The service is good with this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • Bank Bazaar Credit Card
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaar.com and i have been using it through the website as the portal is convenient also it is user friendly to access. the customer service is good and they are responsive also they are good by helping regarding the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The documentation process was simple with the credit card that i have been holding with the the HDFC BANK, i got the card within 10-15days, the credit limit with this card is good and satisfactory with this card and i am not aware of the card offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 1.0/5 "Really Bad"
      I am not happy with HDFC BANK Credit card . I am holding this card for past 1.5 year . I am not satisfied with credit limit of HDFC bank credit card , i said to customer support to increase the limit they said they cannot do rite now . I use this card for multipurpose .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HSBC Bank Credit Card
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      There is no particular reason for taking the credit card with the HSBC BANK the documentation process was simple and easy to get the card and it took nearly one week. The credit limit was satisfactory with this card. I get good offers with this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The application was taken with STATE BANK OF INDIA .This is one of the good card with best service while getting the card . If i do transaction i am getting instant message and mail this is the best part . They charge nominal rate of interest and it is life time free card .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      They were very quick to send me the card and the credit limit is good. It is a life time free card. HDFC BANK has offered me a credit card and the banking process is good.The best about the card is the movie tickets, reward point . The overall customer services are good. Rate of interest is very high and credit limit is 92000 .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • Standard Chartered Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with STANDARD CHARTERED BANK . I am holding this card for past few years The limit is very good, I am getting offers while doing shopping .I never faced any difficulty with their services. It is a very useful card for daily use as well. I am happy with this bank .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am happy with the service of HDFC bank as i said it is very safe and secure to use, and even their mobile application is user friendly ,and even their credit card is also good, i hold HDFC corporate credit card,it is life time free credit card, and even the credit limit and offers are good with this card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 25, 2019
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using this card for more than 3 years this is life time free card and rewards point offer . I hold kotak mahindra credit card . Net baking is very user friendly with this card and the process is very easy to get the card, My application has been approved with kotak mahindra bank
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I hold INDUSIND Credit card , this is one of best card i ever had. I am very old customer of this card, i am using this card for past 5 year . I am happy with the services they offered me , they keep on updating my limit that is the best part . The billing statement is very clear
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      This is life time free card . customer service provided is very good and their response is good and I am happy with HDFC bank.I am satisfied with credit limit and in this card rewards point offer available. .I got HDFC bank credit card approx four years .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am happy with the services they offered me , they keep on uprating my limit that is the best part . The billing statement is very clear .  I hold YES bank Credit card , this is one of best card i ever had. I am very old customer of this card, i am using this card for past 3 year
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
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