Evaluating Payment Options during Checkout

While checking out from your favorite shopping app, you could get one of the following payment options on your credit/debit card or Buy Now, Pay Later (BNPL). Full payment (no cashbacks or discount) Interest-based EMI (without cashback or discount) No-cost EMI Upfront discount Cashback Upfront discount/cashback and interest-based EMI Upfront discount/cashback and no-cost EMI Over… Continue Reading

Deciding the Best Payment Option for Your Purchase

You want to buy a laptop online and you don’t want to look beyond Amazon and Flipkart for this purchase. Let’s further assume that, on both the sites, the laptop is listed at the same price. However, there are discounts and cashbacks on specific cards. In such a case, unless you have a preference for… Continue Reading

Flipkart Axis Bank Credit Card: Our Review

A few weeks back, I had written about Amazon Pay ICICI Bank credit card. Simple and easy benefits. You get 1-5% cashback on each spend and the rewards system is so simple. The cashback/reward for the previous month is credited to your Amazon account on the statement date. What about Flipkart? Does Flipkart offer something… Continue Reading

Amazon Pay ICICI Bank Credit Card: Worth It?

Do you shop on Amazon? If you do, you must have noticed this banner about Amazon Pay ICICI Bank Credit Card that keeps coming up? Or you must have noticed this card always comes in various payment offers on Amazon. Has this ever intrigued you? What is this card about? What are the benefits this… Continue Reading

Are Home Loan Insurance Products Failing You?

Death in the family brings not just emotional trauma but can also bring financial agony to the family. If the deceased was the primary breadwinner, the family can struggle financially unless the deceased had bought adequate life insurance coverage. If the deceased had taken a home loan, the loan needs to be repaid too. Since… Continue Reading

How a Virtual Credit or Debit Card Can Help?

I am a bit paranoid about using credit cards online. Therefore, I prefer to use wallets (such as PayTM) or UPI on new sites or the sites I do not trust much. A problem with this approach is that you cannot use wallets or UPI on international websites. In addition, there are a few minor… Continue Reading

ICICI Bank PayLater Account: Combine UPI and Credit

UPI transactions have boomed over the last couple of years and are giving serious competition to credit/debit cards and net banking in online transactions. The only problem is that you cannot make UPI payments on credit. i.e., the money gets debited from your savings bank account. You must have the money in our bank account… Continue Reading

ICICI Bank Insta Loan Against MF Facility

ICICI Bank has launched an instant loan against mutual funds facility. So, if you are an existing ICICI Bank customer and have made mutual fund investments, you can apply for an instant loan against your MF investments. The loan is available in the form of an Overdraft facility (and not a term loan). You pay… Continue Reading

ICICI Bank Insta Flexicash Facility

Old wine in a new bottle. That’s what I would call the new overdraft (OD) facility from ICICI Bank — ICICI Bank Insta FlexiCash facility. In this post, let’s find out about ICICI Insta FlexiCash facility in detail. Additionally, let’s see if there is merit in owning an OD facility. ICICI Bank Insta FlexiCash Overdraft… Continue Reading