P-Card Cardholder Account Application: Fill & Download for Free

The Permanent Account Number (PAN) card has become one of the most essential documents to have.Issued by the Income Tax Department, PAN consists of a 10-character alphanumeric number and serves as an identity proof. Nowadays, PAN is necessary for all major financial transactions.While everyone does know a few things about it, here are some lesser-known, interesting facts to know about PAN card.1.Anyone can apply for PAN, including minors and foreignersThere is no minimum or maximum age requirement to apply for PAN card allotment. It can be issued to all citizens; even minors can get a PAN card provided they furnish the required documents.A PAN card can be issued to an NRI, a foreigner, or a foreign company, too, if they intend to enter into a financial transaction in India.2.Applicants can get their PAN allotted quickly (Tatkal)Those applying for a PAN can also get it allotted on a priority basis. All they have to do is submit their PAN allotment application online (on NSDL or UTIITSLwebsite) and pay the processing fee for the PAN card through a nominated credit card.3.Furnishing father's name in PAN application not mandatoryEarlier, applicants were required to furnish father's name in PAN application form which was also printed on the PAN card.However, as per a new rule which came into effect on 5 Dec'18, applicants can now choose whether they want the name of their father or mother on the card.If the applicant's mother is a single parent, furnishing father's name isn't mandatory.4.The 10-digit alphanumeric PAN reveals cardholder's informationThe 10-character unique alphanumeric PAN has alphabets as the first five characters, followed by four numerical digits and an alphabet.The fourth character of PAN reveals the cardholder's status: P for a person, C for companies, F for firms, A for associations, T for trusts and so on.Meanwhile, the fifth character of a PAN represents the first letter of the cardholder's surname.5.Cardholders can know their PAN issue datePAN card holders can easily know their PAN issue date too; the vertical digits printed on the lower-right side of a card, next to the cardholder's photo reveal the date (in DDMMYYY format) on which that particular PAN was issued by the Income Tax Department.

[See link for additional information http://www.crowdsourcing.org/l/150 ]Here are some examples of large enterprises that are using crowdsourcing for innovation:Lego DesignByMe – Lego have crowdsourced the design of many of their new products. By providing downloadable design software that runs on customers’ machines, they can design and build their own Lego online and then purchase the very concept they created. By engaging their customers alongside their in-house a creative department, they are able to accurately gauge customer needs, spot trends and judge the potential size of the market for each product set. Lego also report that their design costs have been reduced to a staggeringly low level while increasing customer satisfaction to practically 99.9%.Harley Davidson - utilizing a crowdsourced ‘virtual creative department’ listing 3,200 international participants to create a market overview out of the ideas of thousands of participants, as well as guide the marketing model for the brand. After 31years with ad agency Carmichael Lynch, Harley Davidson is basing its core creative marketing development on CS, as participants are receiving assignment briefs on the Squirrel Fight ‘digital engine’ via Harley Davidson’s new ad partner – V&S.P&G - Procter & Gamble is utilizing crowdsourcing in such a way it accounts for more than 50% of its product initiatives. P&G is systematically crowdsourcing ideas involving packaging, design, marketing models, research methods, engineering, technology and more, as its Connect + Develop initiative already resulted more than 1,000 active agreements.Kraft Foods – the company recently created a promotional entertainment film for its Lacta chocolate bar in Greece. The only twist is that the entire film, from the script to the actors, was crowdsourced to the public. The film, titled ‘Love in Action’ was viewed by more than 335K Greek viewers on TV, attracting 12% of all national viewers.Nokia Labs – Nokia invites customers to test pre-commercialized apps. By crowdsourcing customer feedback and testing to a user community they can market test their new applications and get ideas for furtherdevelopment. As ‘graduated’ apps are released in their final versions,the ones that don’t make it are archived for future reference. Nokia’scrowdsourcing platform includes a discussion board and a user experiencesurvey.GE’s Ecoimagination Challenge – crowdsourcing smarter power grids and energy technology solutions. GE invested $100M in the challenge which was matched by 4 venture capital firms. Participants were offered incentives in the form of funding. Winners include Capstone Metering LLC, ElectricRoute and GridON.Sony’s Open Planet Ideas – In collaboration with the World Wide Fund for Nature (WFF), Sony launched the Open Planet Ideas initiative in order to crowdsource the next breakthrough environmental solution from the public, while, at the same time, it provided opportunities to repurpose the company’s own technology.Using Crowdsourcing to build Customer EngagementSome great examples of large enterprises that are using crowdsourcing to engage customers and broader constituent groups include the following:InterContinental Hotels Group (IHG) - the Priority Club Rewards and Chase loyalty program. IHG turned to Communispace, a provider of private online communities, to rally a pool of 300 current Priority Club Visa cardholders willing to share their opinions on what card benefits and services they would want. Six months later, the community continues to serve as a learning mechanism for Priority Club Rewards, helping with both ideation and customer service.My Starbucks Idea - launched by the coffee company in order to crowdsource ideas generation to its customers. The website enables the company’s audience to vote on ideas, give mutual feedback, discuss and collaborate. This is a great way for Starbucks to increase customer engagement as well as publicity, and of course generate an overview / flow of suggestions to the company from a brand & customer perceptive.Yahoo! Pipes - a web application by Yahoo! crowdsourcing online content aggregation, manipulation, and mashup to logged-in Yahoo! users. Pipes’ graphic interface enables users to pipe information from different sources and set guidelines for content modification, resulting user generated ‘webapps’ put together to serve specific user needs.Best Buy’s IDEAX - launched by the retail giant in order to crowdsource feedback, ideas, and business improvements from their customers. Users can vote for ideas they favor and engage the community and other members, increasing Best Buy’s own engagement within the consumer market.Forbes’ Names You Need to Know – crowdsourcing topics and scoops to readers. Through their recent crowdsourcing initiative, they achieved a stronger connection with their readers while establishing insights into their readerships most respected and favorite people. [We covered here how Jeff Howe, who is attributed with coining the word ‘crowdsourcing’ was crowdsourced himself by Forbes’ ‘Names You Need to Know’ by a Facebook user by the name of Martha Bebinger]

Looking for the best cash back credit card with unparalleled rewards? There’s never been a better time to get a cash back credit card in Canada than now. Reward rates have skyrocketed and programs are easier to use than ever.With so many strong no fee & premium cash back credit options, there’s no reason not to get rewarded for every purchase you make.Whether you spend a lot or a little, cash back credit cards offer superb value. They offer the simplicity and transparency lacking in many points programs and stellar earnings, making them outstanding primary and back-up credit cards.Comparing The Best Canadian Cashback Credit CardsCredit CardCash Back EarningsAnnual FeeCard ReviewApply for CardThe Scotia Momentum Visa Infinite Credit Card4% cash back on gas and groceries$99First year freeRead MoreApply NowTD Cash Back Visa Infinite*10% cash back for first 3 months3% on grocery and gas1% on the rest$120 but pay no annual fee the first year. Conditions apply. Offer ends September 20, 2019.Read MoreApply NowThe Tangerine Money-Back Credit Card4% cashback in up to 3 categories,for the first 3 months0.5% everywhere else$0Read MoreApply NowSimplyCash Preferred Card from American Express5% cash back for first 6 months2% cash back after that$99Read MoreApply NowCanada’s Best Cashback Credit Cards#1: Scotia Momentum VISA Infinite CardRecommended for best cashback credit card with first year annual fee waiverApplyEligibility Criteria:– Credit score required: good_excellent– Min personal income required: $60000– Annual fees: $99 First year freeKey Features:4% cash back on gas and groceriesWhy It’s A Winner: The Scotia Momentum Visa Infinite card offers more cash back in everyday spending categories than virtually any other credit card in Canada. You earn 4% cash back on gas & grocery, 2% on recurring bills, and 1% everywhere else. The card also comes with travel medical insurance, trip interruption, flight delay and car rental insurance – making it a good replacement for your travel credit card.For a limited time only (until October 31st, 2019), The Scotia Momentum Visa Infinite card also offers the first year annual fee waived. It’s not an incredibly lucrative up front offer, but to save $99 the first year is still a pretty sweet deal.Click here to apply for the Scotia Momentum VISA Infinite Card#2: TD Cash Back Visa Infinite*Recommended best Cashback offer in CanadaApplyEligibility Criteria:– Credit score required: good_excellent– Min personal income required: $60000– Annual fees: $120. Pay no annual fee the first year. Conditions apply. Offer ends September 20, 2019.This offer is not available for residents of Quebec. For Quebec residents, please click here.Key Features:10% cash back for first 3 months; maximum spend $2,000.3% on groecry and gas 1% on the restIt’s nice to earn cash back on everyday purchases at a steady, low rate. It’s even nicer to earn cash back at an accelerated rate on certain purchases, but better still to have the accelerated rate boosted further, thanks to a lucrative welcome bonus. All three are true with TD’s Cash Back Visa Infinite card, which currently offers one of the most generous introductory bonus in Canada. At 10% cash back on all purchase categories (up to a maximum spend of $2,000), that means you stand to get $200 in cash back during your first 3 months.After the promotion ends, cardholders will appreciate that they collect cash back at 3% on gas, groceries, and bills, and 1% elsewhere. A value-added feature is travel medical insurance, plus complimentary membership to TD’s Auto Club, giving cardholders the ability to call on roadside assistance services when they’re in a tight spot. Remember that applicants need to show at least $60000 annual income to be eligible for the TD Cash Back Visa Infinite* card.Click here to apply for the TD Cash Back Visa Infinite* cardSponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this TD credit card, please click on the “Apply” button.#3: Tangerine Money-Back Credit CardRecommended for best bonus category cashback credit card in CanadaApplyEligibility Criteria:– Credit score required: fair_good– Min personal income required: $15000– Annual fees: $0Key Features:4% cashback in up to 3 categories, for the first 3 months0.5% everywhere elseA Bonus Category cash back credit card offers extra cash back in one or more merchant categories such as gas, groceries, pharmacies, restaurants, etc… If you spend a lot in one of those categories, they can be excellent opportunities to maximize your cash back – especially if you combinecards with different bonus categories! The Tangerine Money Back credit card, has made a dramatic impact on Canada’s no fee cash back credit card scene. The card offers the most refreshingly innovative, transparent and lucrative cash back program.There’s a $0 annual fee, and you get your cash back credited to your account every month – no waiting to redeem at the end of each year. You earn 4% cash back in up to 3 categories of your choice (3 categories if you deposit your cash back into a Tangerine account) for the first 3 months, and 0.5% on all other purchases. After 3 months the rate goes back to 2%. There are no tiers, caps or limits. No fine print.The card has the highest no fee cash back earn rate in the Canadian market. There is no other credit card without an annual fee that offers 4% cash back in up to 3 merchant categories of your choice (grocery, gas, restaurant, pharmacy, entertainment, recurring bills, etc…).By comparison, RBC’s no fee cash back Mastercard offers 2% cash back on grocery store purchases, with a cap of $120 in cash back and 1% everywhere else. The CIBC no fee Dividend Visa card offers 2% on groceries and up to 1% everywhere else.With $0 annual fee, the richest cash back rate and the most user friendly redemption process, this card is great as your primary no fee rewards card, or in combination with other category based cash back cards.Click here to apply for the Tangerine Money-Back Credit Card#4: The SimplyCash Preferred Card from American ExpressRecommended best flat-rate cash back credit card in CanadaApplyEligibility Criteria:– Credit score required: good_excellent– Min personal income required: $0– Annual fees: $99Key Features:5% cash back for first 6 months2% cash back after thatFlat-rate cash back credit cards offer the same cash back rate on all your credit card spend with no caps, tiers or categories. You’ll get the same value everywhere, all the time. The SimplyCash Preferred Card from American Express has a $99 annual fee, but this is made up for with its high, flat cash back rate of 2% on all spend. Cardholders can easily earn back the $99 fee by spending a pittance of $165 per month during the promotional period, and $412.5 per month after that. The card also comes with a range of insurance coverage, including: card rental, travel accident, out of province/country emergency medical, baggage and flight delay. Purchases made on the card automatically have their manufacturer’s warranty period doubled (up to one additional year) and are insured against damage and theft.And like all Amex cards, the SimplyCash Preferred has no minimum income requirement whatsoever. So while its high-level benefits may make it seem like a premium, elitist piece of plastic, it’s actually a good fit for anyone that spends $300-$400 a month or more on expenses.Click here to apply for the SimplyCash Preferred Card from American ExpressMore Cashback Credit Cards to Choose From in CanadaWhile the cards listed above are those we selected in terms of best features and special offers currently available on the Canadian market, we do acknowledge some of our readers may not be able to apply given their eligibility requirements or may simply not find the feature which respond to their particular need(s). Here are more Canadian cashback credit cards for you to choose from.CashBack StrategyThere are a multitude of strategies to help you maximize your cash back. One of our favourites is called stacking. Essentially, you combine a multitude of cash back cards and use the one that provides you the most cash back for any given purchase. By doing so you maximize your total cash back earnings.For example, if you wanted to do it with a series of no fee cash back cards, you could use the President’s Choice Mastercard World Elite to earn 3% at Loblaw’s and Shoppers Drugmart & 3 cents at Esso, your Tangerine card to earn 2% at restaurants, public transit and recurring spend and your Rogers Mastercard to earn 1.25% everywhere else and get 3% on foreign transactions – all with no annual fees.The cells highlighted in green are short term promotions that are higher than any standard category bonus. So you might want to take advantage of them during their promo period. By way of example, despite PC Mastercard World Elite’s 3% cashback rate, you’d get 5% using Amex’s SimplyCash Preferred card for the first 6 months.Cash Still Reigns Supreme!Using a cash back card is the most direct way to save money on your biggest expenses, but you shouldn’t get one unless it’s the card that you can squeeze the most value from. Though they might look similar on paper, differences from one card to the next can be significant. If you’re still not sure which blend of cash back, perks, and fees matches your needs from our list above, compare all cash back credit cards and get your average annual earnings per year based on your own spend per category.< PreviousNext >Article comments10 commentsArmenJuly 11, 2019 at 12:13 pmYou missed one. Meridian Visa Infinite Cash back, even better than Scotia one.ReplyThe GreedyRates TeamJuly 18, 2019 at 2:53 amHey Armen!Thanks for pointing out that the awesome Meridian Visa Infinite card is absent from our list! For those curious, the Meridian card is one of the more interesting and lucrative cash back options available currently. With 4.00% cash back on gas and grocery store purchases, 2.00% back at the pharmacy and on recurring bills, and 1.00% elsewhere it’s competitive with other top-tier cash back cards like the TD Visa Infinite card. However, it also has some unique extras such as a bonus for the first year free (via a $99 instant rebate) and the special combination of both mobile device insurance and a price protection service.Mobile device protection means that the Meridian card is one of the few you can buy a cellphone or tablet with, and then use to claim up to $1,000 if it’s stolen or damaged afterwards. Similarly, price protection helps you get cash back when a new item is found at a discounted price right after you buy it. Alongside other excellent insurance perks including trip cancellation and interruption (and emergency medical), Meridian’s Infinite Visa represents an enticing alternative to the other cards listed above. Nice shout-out!GreedyRatesReplyKaren PJuly 7, 2019 at 5:35 pmMy Scotia Momentum card renewal date is in April. I won’t be renewing it! Raising the annual fee and reducing the cash back on gas just killed it for me. The same day I got that from Scotia, I got a pre-approval for a $24000 card from Tangerine. Not as great as the Scotia card, but no fee either. I no longer meet the minimum income requirement for the infinite cards, so maybe I’ll get a PC card too. Scotia is the loser here, I used that card for EVERYTHING.ReplyThe GreedyRates TeamJuly 8, 2019 at 10:29 amKaren,Indeed—Scotia may yet see how big a mistake they made when cardholder numbers take a nosedive in the months following August. However, the positive changes they made to the card (e.g. no foreign transaction fees) may attract as many new customers as the bank lost—this is also up in the air. Either way, you’re in luck that Tangerine approved you for their MoneyBack Credit Card and at such a great credit limit as well, because this represents one of the more purposeful replacements for the Momentum card if you’re also trying to avoid paying an annual fee. By the way, if you deposit your cash back in a Tangerine Savings Account you’ll earn a third 2.00% cash back category, which will help close the gap between the MoneyBack card and the Momentum.GreedyRatesReplyEric SeifertJune 26, 2019 at 3:04 pmI’ve had a Scotia Momentum VISA Infinite card for several years now and it’s worked well for me, with the vast majority of my cash-back coming from the 4% I’ve gotten for gas and groceries. However, I just got a letter from Scotia saying they’ve “refreshed” the terms — doublespeak for “we’re increasing your annual fee and interest rate and cutting the 4% on gas and groceries to 2%.” They’re also raising the interest rate (which is irrelevant to me — these cash-back deals only work for you if you pay off your balance every month). Looks like it’s time to switch to a Tangerine Mastercard.ReplyThe GreedyRates TeamJune 30, 2019 at 9:46 amHey Eric!That’s correct, unfortunately. This “refreshing” will be more like a downgrade to many. Some cardholders like you, who spend a lot on gas and groceries, will be very disappointed with the upcoming changes to Scotia’s Momentum Visa Infinite card. However, you have more alternatives outside of the Tangerine card. It may not even be your best option! While the Tangerine MoneyBack Mastercard is certainly great, it’s not in the same tier as any Infinite-branded card and may be a bit underwhelming for you. Why? Its 2.00% cash back is nice, but it’s restricted to 2 categories (3 if you deposit your cash back to a Tangerine Savings Account) and suffers from diminishing returns as you spend more during the year. It also lacks some peripheral perks that make it useful in many situations.A better alternative for you, in our expert opinion, may be the BMO CashBack World Elite card. It has a similar income requirement as the Momentum card and offers 5.00% cash back on all your spending for 3 months as an introductory bonus (plus a $120 annual fee waiver!). Then, you’ll collect 1.50% cash back on all spending, with zero limits. We’re willing to venture a guess that gas and groceries aren’t your only expenses, and even with less than half of what you used to earn in these two categories, being able to collect cash back on everything generally means you’ll be better off most of the time. Add in travel insurance, LoungeKey airport lounge access and more, and you won’t miss the Momentum.Another great cash back card in the same league as your Momentum card are the other Infinite cards on the market. A pertinent example is the Infinite card from TD. Their TD Cash Back Visa Infinite card offers the same 10% introductory bonus on all your purchase for 3 months, plus the annual fee rebate of $120 your first year. Similar to the Momentum it offers 3.00% cash back on groceries and gas, then 1.00% on everything else, so you’ll be able to keep your higher earnings rate in these two categories specifically, if that’s your end goal.Good luck!GreedyRatesReplyMaryJune 21, 2019 at 9:06 pmAugust 1, 2019 Scotia Momentum Visa fees increase from $99 to $120 and supplementary card from $30 to $50ReplyThe GreedyRates TeamJune 26, 2019 at 10:12 amHey Mary!That’s right—thanks for confirming the upcoming changes (we assume you just heard from Scotia on this matter). We’ll make the proper changes to the article once they arrive in August, but for now we’ll use your comment as an opportunity to briefly highlight the changes you can expect to the Scotia Momentum Visa. Besides the increased annual fees on the primary and supplementary cards, to $120 and $50 respectively, you’ll also witness the interest rate on purchases boosted to 20.99%.Cash back on recurring bills is being increased to 4.00% from 2.00%, while cash back on gas has decreased from 4.00% to 2.00%. By switching these two categories, cardholders will likely earn less cash back considering that gas is a much larger expense (and easier to claim) than recurring bills. New categories for cash back give you a chance to bridge the gap, however, with ‘Daily Transit’ now collecting 2.00%. Another beneficial change is the addition of Mobile Device Insurance ($1,000 coverage for phones and tablets purchased with the card) plus Trip Cancellation insurance. Ultimately, these changes will benefit as many cardholders as they’ll hinder others. Your choice!If you’d like a short list of replacements and alternatives (some even better) for the Momentum card, let us know.GreedyRatesReplyGlennJune 26, 2019 at 2:00 pmIt would be great to see a list of alternatives for the Momentum card…ReplyThe GreedyRates TeamJune 30, 2019 at 9:46 amHey Glenn,No problem! If you’re looking at the impressive Scotiabank Momentum Infinite Visa card, then you likely appreciate cash back on common expenses, a great bonus, a first-year annual fee exemption, and other nice perks. You also probably want to get a card that won’t get hit with significant changes come August, meaning Scotia’s card isn’t in the running. Some alternatives to this model definitely exist in Canada, and we’ll go ahead and recommend the ones which fall into the upper-tier (considering that the Momentum Infinite card requires good credit and a higher income).First, we suggest you check out another generous Infinite card on the market, from TD. TD’s Cash Back Visa Infinite card offers the same 10% introductory bonus on all your purchase for 3 months, plus the annual fee rebate of $120 your first year. The card is, for all intents and purposes, almost an exact clone of the Momentum Infinite Visa, and similarly offers 3.00% cash back on groceries and gas (not 4.00% unfortunately), then 1.00% on everything else. Some advantages that the TD Infinite card has over the Scotia version is that it includes automotive roadside assistance, and slightly better travel insurance. Another benefit is that after the Scotia card’s downgrade in August, the TD card will earn more on gas.Here’s another suggestion. The BMO CashBack World Elite card is always among the top three or four cash back cards in Canada, largely due to its flat 1.50% cash back on all spending. Though Rogers’ World Elite card offers more cash back at 1.75% on all spending, BMO’s card is better because of its robust network and extra privileges. For example, in addition to 1.50% cash back you’ll get 5.00% cash back as a bonus in your first 3 months plus a $120 annual fee waiver. Complimentary LoungeKey membership is valuable as well, as is roadside assistance, comprehensive travel insurance etc.