Guide To Benefits Visa Platinum Card: Fill & Download for Free

Internet is growing very fast in all aspects of our lives. Social media and online shopping are becoming very popular among the common people. People are now well familiar with shopping online.Sometimes it happens that you want to buy a product which you want and the product price has some discount if you pay with a credit card. So this is the place where a credit card can be very useful for you.You can simply buy that product with less price and moreover you can convert the one time payment to an EMI which will give you some breathing space. Similarly, you can have a lot of deals and discounts with various credit cards.#1. CITIBANK REWARDS DOMESTIC CREDIT CARDAs its name mentioned, Citibank Rewards Domestic credit card is famous for its reward program where you can earn 10X reward points by doing online purchase on Flipkart, Adidas, Jabong, Yatra and many more.It also provides a welcome gift of 2500 reward points for using your credit card for a very small amount within the first 60 days. What makes this credit card special is its reward point redemption program where you can redeem your points for some online coupons and vouchers like Amazon, shoppers stop, Nike and many more.If you want to redeem the points that you earned on the card, you get a lot of options like air miles, cashback offers, premium merchandise, online shopping, fuel purchase, gift vouchers, etc.Along with these benefits, the card is also loaded with lots of other features like the contactless facility which allows you to pay with your card at merchant locations in a very safe and very secure way.This feature allows you to pay for any transactions up to Rs.2,000 simply by tapping the card at merchant terminals even without entering the PIN. This credit card also brings to you the services of a concierge who will guide and assist you in your travel bookings and hotel reservations, etc.#2. SBI SIMPLY SAVE CREDIT CARDIf you consider embossed cards, no one will deny that SBI has some of the most beautiful looking cards in the market. This card is not an exception too. The card is issued on two platforms- VISA and Mastercard.When the VISA came with ‘VISA Platinum” written and then Mastercard also came in with “Mastercard Titanium” written. I got this card just a few days ago. Since I took a Mastercard variant of SBI Simply Save card, so when I swapped my card, I was given a Mastercard variant of SimplySAVE card.It comes in wonderful blue color with “₹” inside the design. It looks great. The card also gives the very new design of the Mastercard logo and is devoid of the “Titanium” branding.You will get 10X rewards points for spends on Dining, Movies, Grocery, and Departmental Stores. This is the biggest benefit of any credit card. If you are some of the people who have the habit of purchasing different items from local marts like Big Bazar, V-mart, etc then you will love this card because this card will provide you flat 2.5% cashback and this is a huge % as no credit card with such low joining and annual fees allows such cashback.To know more about the best credit cards in India without annual fee click here.

Well, it depends a lot upon tourist’s sensibilities and cultural preferences.However many western tourists have started making comments that Kerala is the best place to start an Indian tour, as the level of cultural shock would be less compared to Delhi or Mumbai.Ivana, a popular Dutch Vlogger living in India has made a detailed experience vlog, advising first-time Foreign tourists to enter India thro’ Kerala for various reasons.So often foreigners have started commenting Kerala as beginners point for Indian tourism. India is indeed too different for most of the typical western sensibilities. It's chaotic, noisy, heavily congested etc, which are something most of the western tourists haven’t handled at all.So when they suddenly get exposed to such things, its a huge shock for them.Compared to Delhi or Mumbai or even Bangalore, Kerala (and probably Goa) is much more laid back and have many cultural elements that could suit to western sensibilities.Well, what is the first thing, a tourist will experience when getting out the Airport terminal in India?It's Touts.Popular New Zealander Vlogger- Karl who is living in India and makes high-quality videos to assist foreign tourists about Indian tourism, made a detailed video on touts in Indian Airports and their modus operandiThey approach you as drivers, tourist agents, guides etc. Most common being as tourist drivers, who would extort tourists with huge amounts citing as normal rates, try to convince you that the hotel they have booked might be closed/ended its operations, so as they can take to the hotels which pays commission to them and try to sell tour packages etc.Even if you try to avoid them to book a Pre-paid taxi or Uber/Ola, they will use all tricks to convince, their service is the best.The touts menace across major airports of India, looking opportunities to scam gullible first-time touristsAirport taxi touts take flyers for a ride as cops look the other way | Kolkata News - Times of IndiaCaught on Camera: Touts at Mumbai airport demand USD 20 for a trolleyTourists bring out the worst in toutsHardlook: ‘Touting is an open secret in Delhi’Lack of coordination allows touts to run free at airportsIt's very common in any airport in IndiaWhereas you hardly see this kind of system in Cochin Airport (so as never heard in Trivandrum and Calicut airports too). In Cochin airport, I haven’t personally experienced anyone being approached for taxi services or tourist services. Most of the passengers who want to move out of the airport via Taxi, either walk to CIAL Pre-paid taxi counter located inside the airport terminal who issues a receipt, walk towards Taxi area where the driver checks the receipt and you board it. Those who are using Uber/Ola, they wait at the designated point and the cab comes to pick you. Hardly anyone persists around.This same could be felt in most of the Kerala railway stations. Hardly any auto-drivers or taxi drivers approach you asking for their service. In many cases, we passengers have to run behind these drivers. Infact, often Malayalees when travelling other states are bit amused seeing drivers approaching towards them for services as we rarely experienced this back at home.Another fact is that, when landing in Kochi, immigration is SUPER-FAST. Perhaps, after travelling all around India and used almost all major international airports including other two Kerala airports, I must say Cochin Immigration is the best for any tourists. You can clear the queue within 10 mins at max.Probably because Mumbai/Delhi airport Immigration are manned by direct officials from BOI (Bureau of Immigration) while in Kochi as well as other 2 airports, it's manned by officials of Kerala Police who are on deputations with BOI. Generally, most of the Kerala police are mild-natured and no-nonsensical nature.ETV (Electronic Tourist Visa) exclusive Immigration area in Cochin Airport, as lauded by a touristWhen travelling around Kerala cities, it's relatively less chaotic/congested. Though we too have our share of traffic blocks and weird driving, when compared to many parts of India, especially with Metros, it's much easier/breezy.Exposed to Kerala traffic is more gentle beginner ways to learn the horrors of Indian roads across the country. It helps foreigners to get adjusted without being stressed from day 1.The biggest factor that puts ease for a tourist is Language factor. In Mumbai or Delhi or much of North India, most of the people in lower strata have no/limited ability to speak English. They mostly try to speak with Hinglish (Hindi-English mix), confusing many foreigners. On the contrary, most of the locals, including people in lower economic strata can communicate in English more better in Kerala. I am not saying about the fluency, but the degree of understandability of English is generally larger in the Southern States.Keralites, in general, are super-friendly with tourists. Kerala tourism is heavily focused on experiential tourism concept and by large, it all meant connecting heavily with locals and local lifestyle. This eases the cultural differences in a big way. In a matter of time, most of the tourists able to understand the basic concepts of Indian lifestyle, the cultural nuances, social etiquettes etc without being suddenly induced/thrown into it.Generally, foreigners, particularly westerners carry a notion of India as the land of slums, poverty, dirty streets, poor hygiene etc. Often this feeling gets increased in cities like Mumbai where slums are so large (actually it's the slums that make the first sight when landing/take-off from Mumbai Airport). This often feeds the prejudice in a big way.On the contrary, Kerala has little/no slums in its major cities and generally very high on prosperity scale. As the state highways and major roads are generally dotted with large houses and apartment complexes, negating the traditional prejudice, it helps to understand India with more open-mindedness.For westerners, Kerala’s social culture has many elements of western culture. Kerala, being one of the traditional gateways of India for 3000 years, has a very open culture regarding welcoming foreigners. Further, as it was the first place to welcome Europeans into India, the base culture has several elements of Portuguese, Dutch, French and English cultures. This is reflected in its architecture, its lifestyle, its food etc.Many of Kerala’s food elements have been inspired by European concepts and thus shares cultural similarities. For example, the famous Kerala Appam is closer to Pancakes, so as its accompanying Stew which is a Portuguese influenced dish.Further, when comes to religious, westerners able to find several Catholic Churches (Kerala is indeed one of the traditional seats of Catholic Churchs of India) and Christianity became a major religion in the state. These are more comforting elements for a Western touristThe state known for its idyllic backwaters, beaches, mountains and stunning resorts is perfect vacation spots to refresh. Further, as the home of Ayurveda, the exotic massages and wellness/aliments treatments gives a perfect energy boost for tourists to tour around much diverse country which needs some good energy (both physical and mental)Kerala is India’s most digitally advanced state. It boasts the highest internet penetration in the country, so as telecom penetration. The state has the highest number of mobile subscribers and tops in banking /financial services reach.This helps tourists to prepare for their long journeys. They can open temporary bank accounts, get travel cards/prepaid cards much easier and avail all kind of digital services comparatively easier and faster.Just for understanding, across Kerala, we have our own indigenous NBFCs like Muthoot Finance or Manappuram who issues pre-paid cards faster and easier than conventional banks, say SBI or Bank of Baroda etc. So as one can spot Money exchanges and remittance centres across the state, helping faster cash transfers or foreign exchange. These all help in effective planning of personal finances for any longer Pan India journey. So as insurances too.Even if tourist obtains a Kochi Metro card, it is a pre-paid wallet instrument and thus able to use in commercial units across the country and avail all benefits of Rupay Platinum user services which provides access to Airport lounges and a host of discounts.To travel across India, Kerala provides a stronger transport connectivity model. With 4 airports lined in a gap of 200 Kms, a major railway line and bus networks to all major destinations in South India, its very easy to commute and start journeys. So as almost all national tours/travel players in the country have their shops/outlets across all major cities in the state, thus its easy to avail any tour packages to other states much easier.So compared to other most popular destinations, Kerala is much effective for a tourist, particularly westerners, to start their Indian journey that doesn’t stress them and easily help them to orient into Indian sensibilities and lifestyles without getting a huge cultural shock.

SBI Card EliteSBI Card offers a range of credit cards from the standard silver and gold cards to premium platinum and signature cards. The bank also offers SBI Card ELITE that is specifically designed for high-end users. This card provides many benefits in the form of gift vouchers and coupons that can be availed at leading outlets along with reward points and other benefits.An interest is charged on every card transaction and this amount can be paid back in easy monthly instalments. This makes it easy for the cardholders to repay the amount. The card also follows the concept of reward points whereby customers are rewarded every time they use their card. This makes every card transaction count. When the reward points reach a set limit, they can be spent on gifts and vouchers.SBI Card ELITE: FeaturesHere are some of the features of SBI Card ELITE-Contactless Card: The SBI Card ELITE allows you the benefit of contactless payments. You have to simply wave the credit card at a secure reader to complete your transaction. In addition to being fast, easy and convenient, the transaction is secure as you do not have to hand over the card for payment. Moreover, the card only passes through one payment even if the card is waved multiple times over the contactless reader.Internationally Recognised: This card is internationally accepted and therefore, can be used in any part of the world. In terms of numbers, the SBI Card ELITE is accepted in over 24 million outlets around the world, including over 3.25 lakh outlets in India.Access to ATMs Worldwide: Cardholders can withdraw cash at ATMs in over 100 countries. This ensures that the customer never runs out of money, especially during an emergency.Reward Points: Customers are entitled to reward points every time they use the card. The points collected can be spent for making purchases or to pay off the amount due on the card. The more you spend, the higher your reward points go. For instance, if you spend Rs. 5 lakh annually, the reward points earned will be around Rs. 20,000.Easy Payment Facility: The amount spent using the SBI Card ELITE can be repaid through monthly instalments over a period of time using SBI’s Flexipay feature. This makes it easy for customers to repay the amount.Easy Replacement: The SBI Card ELITE card can easily be replaced in any part of the world. There is also a 24x7 emergency helpline for replacement of the card when the customer is travelling abroad.Fraud Cover: SBI offers its SBI Card ELITE customers insurance against fraud on the card. The cover is given up to Rs 1 lakh and is liable from the period of 48 hours prior to reporting of loss of the card to up to 7 days after such reporting.Add-On Cards: The primary SBI Card ELITE cardholder can add any member of their family to the credit account. The only condition is that the add-on cardholder is over 18 years of age.Balance Transfer: SBI Card ELITE card allows users to transfer their due balance on other cards to the ELITE card and avail a repayment facility at lower rates of interest.Easy Money: SBI offers its ELITE card customers the option to get a demand draft or a cheque against your cash limit, right at the doorstep. The cardholder has to login to their account at sbicard.com to book the facility.SBI Card ELITE: BenefitsSBI offers a range of benefits for cardholders of SBI Card ELITE. Here is a look at of them:Welcome Gift: Customers get a welcome gift worth Rs. 5,000. This gift is in the form of gift coupons and vouchers that can be used at prominent brands such as Yatra, Hush Puppies, Marks & Spencer, Westside and Shopper’s Stop.Elite Rewards: The card offers 5X reward points on dining, departmental stores and grocery. For other purchases, the card offers 2 reward points for every Rs 100 spent. Every SBI Card ELITE reward point translates into Rs 0.25 (4 reward points equal Re.1).Free Movie Tickets: Customers are eligible for 2 free movie tickets each month from BookMyShow. The transaction would be valid when the cardholder books at least 2 tickets per booking per month. The maximum discount will be Rs 250 per ticket. Considering this on an annual basis translates to free movie tickets worth Rs 6000.Milestone Benefits: SBI Card ELITE holders can earn up to 50,000 Bonus Reward Points worth Rs. 12,500 per year. They earn 10,000 bonus reward points on hitting the Rs. 3 lakh and Rs. 4 lakh (each) spending limits. In addition, they earn 15,000 bonus reward points on spending Rs. 5 lakh and Rs. 8 lakh each.Fuel Discounts: SBI Card ELITE offers 1% fuel surcharge waiver across all petrol pumps, provided that the maximum surcharge waiver is limited to Rs. 250 per month per credit card. The transaction values should range between Rs 500 and Rs 4,000.Lounge Access: Customers have access to airport lounges in over 1,000 airports spread across the globe. This facility can be availed through a $99 Priority Pass Programme that is offered free to cardholders.Access to Premier Golf Courses: The customers also get to enjoy the benefit of world-class golf resorts. The benefits come as a part of MasterCard or Visa privileges, wherein the SBI Card ELITE holder can enjoy 4 rounds of free access and a maximum of 50% discount on golf games. Moreover, they get 1 complimentary lesson per month at selected golf courses across India.SBI Card ELITE: Fees and ChargesBeing a high-end card, SBI charges an entry fee and an annual from the cardholders of SBI Card ELITE.Entry Fee: Cardholders have to pay an entry fee of Rs. 4,999 at the time of joining.Annual Fee: An annual membership fee of Rs. 4,999 also needs to be paid.SBI Card ELITE: Documents Needed to ApplySBI requires applicants to submit certain documents when they apply for the Credit Card.Identification Proof: Applicants have to submit their ID proof to apply for the card. These include a copy of any one of the following documents-Aadhaar CardPAN CardPassportVoter’s ID CardDriving licenceAny other document mentioned by the bankResidence Proof: Address proof is mandatory for credit card approval. Applicants have to submit a photocopy of any of the following-Aadhaar CardPassportVoter’s ID CardDriving LicenceTelephone Or Electricity BillAny other document mentioned by the bankSalary Slip: The applicant should have a regular salary and needs to submit the salary slips with the application. In certain cases, the bank may ask for a letter from the HR of the company where the individual is working stating the salary drawn by the individual.SBI Card ELITE: Things to Keep in Mind When ApplyingUse for the Requisite Amount: This card is primarily meant for individuals who use the card for large spending. The applicant must use the card for larger purchases to make the most of the card. Also, the reward points on dining, departmental stores and grocery are earned at a rate of 5X. The SBI Card ELITE should definitely be used for such purchases.Seek a Consultant’s Advice: It works to an applicant’s benefit if they consult a finance expert before committing to anything. The expert will guide you through the nitty-gritty of the whole process and also help in applying for the card.Pay Back on Time: The amount of credit given on a credit card charges a rate of interest after the due date. Borrowing money on credit card is one of the most expensive forms of debt. It is better if the customer pays back the due amount by the due date.