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  • 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
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    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.

      

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    Credit Card Reviews

    • IndusInd Bank Credit Card
      "Very good card"
      0.5 5.0/5 "Blown Away!"
      I use Indusind card because of the good reward programs, I have 2 cards, Iconia card and Pinnacle card. The limits are average. The responses are good, its been almost 2 to 3 years. I had paid 25K as joining fee for Pinnacle and Iconia card paid 10K or free joining which i don't remember. They are providing good offers during Diwali Festival.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 12, 2019
    • HSBC Bank
      HSBC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has almost been six months since i am using this credit card where there has been some good benefits in holding this card. During the time of Diwali they provide us with good cash back offers and the card does not have any annual charges as well, there has also been a good credit limit with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 29, 2019
    • Standard Chartered Bank Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      I have received the Standard Chartered card in 2011. They have given me a credit limit of Rs. 1.84 lakhs and they have keep on sending a messages also to keep on increasing the credit limit and i have rejected the same. They are providing 5% cashback in grocery shops. There is a 1+1 movie ticket offer in particular website. There is a cashback offers on diwali festival and 10% cashabck offers on online purchased. There is zero percentage on EMI conversion and i will receive some shoppers stop vouchers.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 15, 2018
    • HDFC Bank Credit Card
      "Execellent credit card"
      0.5 5.0/5 "Blown Away!"
      I am very happy with HDFC, I am using almost one year I don't have single complain regarding charges. They are also offering pre approved loans. Offers are good in HDFC and they are sending the message about the offers, even during diwali they gave some offers in bata showroom.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 13, 2018
    • HDFC Bank Credit Card
      "Looking for better offers"
      0.5 4.0/5 "Great!"
      HDFC interest rate is high than other bank, though I use card for minimum transactions. I am using HDFC credit card around four years. There is no better interest rate, I got mail for diwali offers but I didn't use it, even the credit limit is low.
      Was this review helpful? 3
      , new delhi
      Reviewed on Nov 09, 2018
    • RBL Bank Credit Card
      "Good to Go Card."
      0.5 4.0/5 "Great!"
      This card was given to me by Bajaj finance and at that moment i was bit confused whether its a debit or credit card. Few things were not clear at the beginning. During the purchase of Electronic gadget i got this card . It has Nothing exceptional and this is my secondary card.From this year they have started giving offers on this card, previously it was not there. Looking forward to Diwali offers and hope i will get some.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 17, 2018
    • Kotak Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with KOTAK MAHINDRA BANK , they offered 100000 of credit limit with this card .There was no annual fee charged at the time of getting this credit card. I ma getting Diwali offer on loan . Overall it has been good experience with KOTAK .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2018
    • Standard Chartered Bank Credit Card
      "AVERAGE SERVICE"
      0.5 3.0/5 "Satisfactory"
      Limit enhancement is there then it will be more useful card for me, i am using this card between 7-8 years, i used to get cash back on diwali offers, fuel and electricity bill payment of 5%, application of and the website are easy to navigate and use.
      Was this review helpful? 0
      , noida
      Reviewed on Aug 13, 2018
    • HDFC Bank Credit Card
      "Great to use"
      0.5 5.0/5 "Blown Away!"
      Titanium credit card was excellent with HDFC. It was almost 5 years. The customer service was good and they providing proper information. They are giving good reward points. Last on Diwali month, If I purchase via HDFC credit card they have provided good discounts and cash back offers. It was very faster service and immediate.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 10, 2017
    • Axis Bank Credit Card
      "Good for all shopping"
      0.5 5.0/5 "Blown Away!"
      AXIS Credit card looks very pretty even the card design is very excellent. They are giving good offers, even this Diwali also they gave me online discounts upto 15 to 20% based on the products. Reward points are also good in Axis, I am happy about it.
      Was this review helpful? 0
      , medak
      Reviewed on Oct 19, 2017
    • HDFC Bank Credit Card
      "Convenint to use and good pocket card"
      0.5 5.0/5 "Blown Away!"
      HDFC Regalia card has the benefit of reward points and its convenient to do shopping with fuel surcharges. I generally get a cash back offers in Amazon, flipkart etc. For this Diwali also they gave me lot of cash back and no cash EMI option is good to purchase.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • Bank Bazaar Credit Card
      "Bankbazaar.com was very good and simple tool to use"
      0.5 4.5/5 "Excellent!"
      I am a fan of bankbazaar as they sanction loan specially personal loan within 10 minutes .I intended to take loans .They verified a few documents and checked my savings and FD.They also knew source of income and within 10 minutes after thorough investigation and overhaul they made me more than happy by informing me that the application for the loans was approved .They act nimbly and never waste time .They are private bodies and they do not keep any loopholes while they made me understand the rules and regulations .Since I took loans under a certain category before diwali they also gave me a gift hand to hand .It was amazing .All behaviours of employees are great and they maintain customer relation management .They never impose anything rather plead .Moreover I got a Rs.2000 free gift voucher as the loan was sanctioned .I can redeem product free of cost as I want to redeem gift too.Why you should approach them is becos they are fast,they do not harass customers by not sanctioning loans
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 03, 2017
    • ICICI Bank Credit Card
      "They should stick on their commitments"
      0.5 4.0/5 "Great!"
      I was disappointed with ICICI credit card offer, On diwali they gave promotion offer in snapdeal. More than 3000rupees purchase they would provide 10% of cash. So I purchased mobile in snapdeal for Rs.4000 but still I did not receive it. I called the phone banking service and I raised complain to get that cash back they informed after 60 days would be receive but there was no response.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 03, 2017
    • Kotak Credit Card
      "Smart Banking with Kotak"
      0.5 5.0/5 "Blown Away!"
      I was using my Kotak Platinum credit card it was satisfactory in all aspects either in credit card limit or offers. On Diwali, I had received this credit card based on personal loan with no processing fee, now bill is generated. Response and coordination was nice with Kotak.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 11, 2016
    • Bank Bazaar Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      It's very easy to apply ..good job and this appreciation for bank bazaar employee .....happy diwali...I truly appreciate for your great support. Website is too easy......now I need to see after applying how much time it will take to issue a card
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 26, 2016
    • review Credit Card
      "Its fine"
      0.5 5.0/5 "Blown Away!"
      Recently , I have applied for this SBI credit card. This card is of great use for me. They are providing 10% extra off. The agent has very clearly explained to me about the features and benefits of the card. The card is processed completely I am most likely to get the card by this week end they are holding it as we have Diwali holidays in between.
      Was this review helpful? 1
      , kolkata
      Reviewed on Nov 11, 2015
    • Citibank Credit Card
      "Great card"
      0.5 4.5/5 "Excellent!"
      CITI Bank credit card is good . It would be great if it is providing more options offers and on movie tickets. I am getting very less offers. I am holding this credit card for more than 2 years there is no drawback with them. It would be great if they provide more offers as other cards are providing good options especially during Diwali .
      Was this review helpful? 0
      , noida
      Reviewed on Oct 23, 2015
    • HDFC Bank Credit Card
      "Marvelous "
      0.5 5.0/5 "Blown Away!"
      I received a very good service provided by HDFC Bank based on the credit card service.They provide many offers and in festival time like diwali I get best offers provided.They have increased the credit limit upto 2Lakh and its basically a free card with no annual fee applied.I do have a Platinum Edge card with HDFC Bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 01, 2015
    • review Credit Card
      "Awesome offers "
      0.5 4.0/5 "Great!"
      I was holding Gold credit card with SBI since 2009 but closed it two months ago. Actually I am working in Indian Army so SBI offered very good benefits like no shopping limit as can do shopping unlimited where they wonâ??t charges anything. Likewise they offered cash back and redeem points on the credit card while doing purchase. Apart from the above said, they offer gift hampers during Diwali season. Credit limit is around 1.5lakhs and they upgrade the card in interval of 5 years.
      Was this review helpful? 8
      , gwalior
      Reviewed on Dec 08, 2014
    • HDFC Bank Credit Card
      "Very pleased with HDFC Credit cards"
      0.5 5.0/5 "Blown Away!"
      I have been a member of HDFC Credit cards for last 10 years, that says a lot. I have got frequent upgrades and limit enhancements. They have one of the best loyalty program and offers, especially during Diwali. There service is excellent. I have never faced any problems with payments. If I have any queries, the customer service rep has been able to provide satisfactory answers.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 04, 2014
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