02 November, 2023
Now that the festive season is upon us, it is time to take advantage of incredible deals and save up on your Credit Card expenses. This Festive Season is bound to be brighter, bigger, and full of grand celebrations. Like most people, you probably want to celebrate this occasion to the fullest with gifts, clothes, shopping, and outings. However, you might be stressed about the financial burden associated with the celebrations. Worry not; you can optimise the usage of your Credit Card to make this Festive Season a memorable one. Here are a few Credit Card tips for shopping online this festive season.
How to use your Credit Card to enjoy this Festive Season to the fullest?
Credit Cards are a convenient way to make purchases, especially during the festive season. With just a quick swipe or a few taps, you can pay for your purchases, big or small, online or offline. However, in order to ensure that you use your Credit Card optimally this festive season, you should manage and track your expenses. The following are Credit Card tips for festival shopping:
Create a Credit Card budget for shopping
During the festive season, it is easy to get carried away by the cheerful atmosphere and the shopping experience. However, to make sure you use your Credit Card wisely, you should begin by setting a budget. You can make a list of all items you want to buy or all the expenses you are expecting to incur this Festive Season. Once you have a budget, you can use your Credit Card smartly and in a way that is easily repayable later. You can set your budget by keeping your monthly income in mind for better financial management. Having a budget will also ensure that you do not overspend on unnecessary things. You can rely on external tools like a budgeting application or spreadsheets to help you with the same.Use your reward points
If you have been using a Credit Card for a while, you have probably accumulated a fair amount of Reward Points. You can redeem these Reward Points to avail of exciting CashBacks, discounts, offers, VIP access, etc. To make the most of your Credit Card this Festive Season, make sure to redeem any existing Reward Points on your card. These points will help you avail of discounts and other perks while you shop or travel during the festive season. You can also plan your festive season purchases in a way to earn maximum Reward Points for the future. You may also opt for statement credit while redeeming your points to reduce your Credit Card bill amount.Pay your bills on time
Paying your Credit Card dues on time is crucial as not doing so can adversely affect your credit score. To stay on top of any Credit Card debt, you must ensure that you are receiving the card bills and statements on time. Make sure your residential address and email id are up to date. Thus, when you do get the statements, you can pay your dues on time and keep your credit score healthy. It is a good idea to set up alerts for due dates, especially during the festive season when you might be distracted by the celebrations. Going over your Credit Card statements will also give you a fair idea of where you spent money for your own records.Leverage festive offers
The festive season brings along with it various offers and discounts, and Credit Cards are no different. During this festive season, you might get to apply for a Credit Card with added benefits or get an extension on the credit line offered to you. Either way, be on the lookout to make the most of these festive offers. Do note that these offers are usually available for a limited period only, so try not to miss out on them.
To spruce up your Festive Season celebrations with our Festive Treats season, you can opt for HDFC Bank Credit Card. Designed to help you indulge in luxurious purchases, the Card offers Reward Points, airport lounge access, waivers, dining benefits, and much more!
Top Credit Card offers this festive season
From apparel to electronics and travel to home décor, enjoy Credit Card offers on a multitude of spends categories:
Planning to buy a new phone? Enjoy up to ₹12,000 cashback on Samsung Mobile spends and save up to ₹10,000 on Apple products with HDFC Bank Credit Cards and EasyEMI (T&C apply).
Want to upgrade your home appliances? Shop at LG electronics and get up to ₹26,000 instant cashback with HDFC Bank Cards and EasyEMI on Debit/Credit Cards. You can also avail of up to ₹7,500 cashback when purchasing televisions and washing machines at Reliance Digital Ltd using HDFC Bank EasyEMI on Debit/Credit Cards (T&C apply).
Want to meet up with your friends and family? Enjoy discounts on flight and hotel booking on MakeMyTrip, Goibibo, Yatra and Via.com. Avail of up to 20% off on Abhibus bookings with your HDFC Bank Cards (T&C apply).
Explore these and many more offers here.
Click here to apply for HDFC Bank Credit Card today!
*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Credit Card approvals at the sole discretion of HDFC Bank Limited. Credit Card approvals is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.