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Friends, in today's time, everyone needs a credit card, but not everyone can get a credit card, there can be multiple reasons behind it, such as civil failure or non-generation, bad loan history, location in non-serviceable area, straight sector but if you want your To correct the credit history or to increase the civil score, you can take a secured card , but there are only a few options in the market, where you get a secured card even in low HD. HD card deta hai and doosra ho gaya IDFC first box credit card, so in today's concept, we will tell you which one we get by comparing between these two cards, so let's start friends, let's start with the comparison of benefits and features. First let's talk joining fee is absolutely zero on van card IDFC bowl is also absolutely zero now let's talk annual subscription piece is absolutely zero on van card also in IDFC bowl you don't get any kind of charge friends let's talk Yes, minimum FB is required in Van card it is necessary to do FB of ₹ 5000. In IDFC Bob it is necessary to do minimum HD of 2000. Now let's talk friends Interest rate on HD in Van card is currently at 6.5% enum You get to see according to IDFC Bowl you get to see according to enum at 6.7% let's talk F the auto renewal key van card you get exactly you get in IDFC also you get now friends talk credita limits utilization in van card you get 100% according to FDM mount and for example if you do HD of 5000 then you will get credit limit of 5000 in IDFC bowl also you get 100% credit limit according to FDM mount now Friends, let's talk about the biggest question, is your FDM mount safe, then it has partnered with SBM Bank, which is RBI approved and also insured with Dix, if we talk about IDFC First Bank, then it is also from RBI. You must know that it is approved, HD security is also there, NCRT is there, in WAN card you get to see both physical and virtual card, in IDFC also you get support for physical and virtual card, now let's talk You get to see Visa's infainight card in IDFC's Van card of the card company, in IDFC you get to see Visa's infainight card. It becomes necessary to do 1 lakh, in IDFC Bowl, you do not get the facility to see any type of metal card, while friends talk about Ando card, then for HD users, you do not get the facility of add on card in both. Now friends let's talk about reverse point in Van card, you get to see up to 5x reward point, you will get separate concept, you can understand by looking at it in I button, in IDFC Vo you can see now you forex reward point. You get one reward point equal to 0.25 paise, let's talk about the same friends, you get to see the facility of forex transaction in Van card, along with this, you get to see this facility in IDFC Bob too, now let's talk If it is reported in yours, then it is shown on the report of both, friends, talk about fuel surcharge, then you can get fuel filled from the petrol pump by using the card of both of them, friends, talk about the EMI facility in both. You get to see the facility of EMI, talk about minimum EMI, then it is necessary to pay minimum EMI of ₹ 2500 in Van card, you will get dedicated concept, you can watch it, even in IDFC, you can convert your spend into ours. You can talk about the minimum EMI conversion amount is ₹ 2500. Friends, in the Van card of tenure period, you get to see the time from three to 24 man. In IDFC Bowl, you get to see the time from three to 18 man. Now Friends, let's talk about the processing fee in Van card, you get 1% according to the total amount, the minimum you will be charged is ₹ 99, if you talk about IDFC, then you get 1% according to the transaction amount, in this too you will get a minimum of ₹ 99. Will be charged, now friends talk about the interest rate in Emi Pay Van card, you get to see the interest according to 1.33% immediately, if we talk about IDFC Bob, then in this you will get up to 18% interest according to the enum. If we get to see the rate, then friends, now we will do the comparison. The ones are in between the charges and repayment system of both, so first of all let's talk about physical card association charge, then there is no charge in Van card, even in IDFC Bob card you don't need to pay charge, talk card Van card of replacement charge only plastic charge of 145 rupees in IDFC price you get a charge of ₹ 100 friends talk about rewards point redemson as I told you reward point is also available in this whatever you spend So in redeeming it, there is no charge in Van card, in IDFC you get to see a charge of Rs 99. Now friends talk about forex markup charge, then in Van card there is a charge of 1% of the total transaction value. According to IDFC Bob Kat, there is no forex charge in it, now friends, let's talk about interest free period in Van card, you get 48 days time, you can adjust the billing cycle according to your date IDFC 48 You get to see the time of days, now talk about the interest charge, in Van card, you get to see up to 36% according to the result, if you talk about IDFC Bio, then you get to see 42% according to the enum. Yes, but it depends on the profile of users, now friends, let's talk about late payment charge, then in Van card, you get to see 2.5% of the total amount, whatever the view is, it will be added to IDFC Bank In credit card, you get to see 15% of the total amount due, now friends let's talk about cash withdrawal charge, in Van card you will be charged 2.5% minimum ₹ 300 only if you withdraw its card from any ATM machine. Do you also do doll in IDFC bowl, you get to see ₹ 250 charge in cash withdrawal according to pattern injection, now friends talk about fuel search bever, then in Van card you get to see fuel surcharge charge of ₹ 400 per month You will get only one percent in IDFC bomb, you will get up per month according to friends, all the charges I have told you, tax and GST will be charged separately, for more information you can refer to their website because this thing is very time consuming. Time changes keep happening, so friends, now let's compare the application process, first of all let's talk about eligibility, further both should be 18 or more, if we talk about documents, then Aadhaar card, PAN card, mobile number, email ID and any Kind of physical bank is needed so that HD can be processed, friends, talk about KYC type, then it is necessary to do concept KYC in both, talk about the apply process, then you will find them in the description box to apply for both. You can go and apply , but before that, watch the tutorial, there are many on YouTube, friends, till now you must have got clarity in this concept, which card you should go with, now I have come to the conclusion of 32 concepts and my opinion. Write down some points here, which I will explain to you, which will bring even more clarity, so the first point is, friends, why do you take credit cards from you, so that your credit history becomes good and you can apply for those secured cards in future. What will happen when you go to apply for Kato card and you don't get your bank's option, exactly the same issue goes with Van card because SBM option doesn't come whereas IDFC doesn't have such problem guys second point is repayment Method ka man ke chalo aapke bill payment last date is going on, you sadanasionally open the app, go to pay the bill and you get a technical error, it is necessary to pay the bill, in such a situation you get a mention of third party application like that paytm adsetra on amazon but in such application van card option is not visible so that you can not make their through payment but you can pay idfc through paytm you can do it from amazon or any other third party application You can also do with them, the third which is the most important point is the rewards rate, whatever you spend with a credit card, you get reward points, in Van card you get up to 5x reward points, which according to me is much better. Yes but with IDFC you don't get that much good reverse points no you get to see that much good offer the biggest thing about van card is that in this you are given reward points even on bill payment but with IDFC you have such a case Van card offer time tu time aata raha hai amazon flipkart pe jahan aapko aapko hai 10% discount is also available, apart from this, you also get to see the scheme of referring Arun, if this is not the case with IDFC, then the offer is better than idefc van card, so friends, this was my opinion, rest with which card you should go with. If you want to go, please comment below and tell me, whatever information I have given you on this concept, it has been done from their official website, whose resource ceiling you will find in the description box. I hope you have liked this concept, then definitely like it. I will meet you in the next concept till then Jai Hind Jai Bharat Australia

Friends, in this concept, we will have a complete discussion about the One Card credit card This is such a credit card... I have attached the interface on the screen as well. Here, it is written in a big font that it charges neither joining fees nor annual fees and when we will redeem the reward points which we would have collected, then also, we won't need to pay any kind of charges. The company and the concepts on YouTube say that One Card credit card is a very fantastic credit card. This is such a credit card which can be taken by anyone, even if his CIBIL score is not that good. After taking this credit card, your CIBIL score can be improved a lot very quickly. We will see all of the facts in this concept that if we should take One Card credit card or not. We will compare each of the features in depth. I will show you the whole process of applying for this. Let me show you the whole process on the screen quickly as well. If someone wants to take One Card credit card, then we will see the whole process to apply for this. But we will see this process at the end of the concept. See, the process will take only 2 minutes. But before that, I would say that the features of the credit card we are going to take should be known to us that if those features are good or worthless. See, on its interface, it has a big advertisement where it is written that it is a metal credit card. This is a very good thing that we are not getting an ordinary card but a metal card which means the credit card given to us by One Card will be a bit heavy and be made of metal. Now, let's see its features. See, the first thing it says is that... Let me clarify something right from the start. Some concepts claim that you can get this credit card even with a bad CIBIL score. They suggest that using this credit card will gradually improve your CIBIL score. However, I want to make it clear upfront that this is just a misleading claim. None of the companies, NBFCs, banks or financial institutions will offer you a credit card for free, if your credit score is bad. Get a clear understanding of this thing from here only that this is said just to make us fool and it is not true that anyone can get it. If your CIBIL score is bad, any of the financial institutions will say that you will have to take this credit card against an FD. So, try to understand this simple logic, if I have lent some money to you... let's suppose, I have lent Rs. 10000 to you and you have not returned it to me, then would I lend money to you again? When even I am not lending money to you, then why these companies would do so? If someone has a bad credit score, then why they would issue a credit card to them So here, the first concept is that it says that if someone has a very good credit score, let's suppose, I am taking it as more than 750, then he will get this credit card unsecured. Unsecured means he won't need to open any FD and the company will give him the credit card directly and that credit card will be of metal. But if someone has a bad CIBIL score which means let's suppose, if someone has a CIBIL score of less than 700 or it is 650, if someone has a bad CIBIL score, then the first thing is that he won't get a credit card. from anywhere and if he visits the website of One Card credit card... Let me be clear-I will not be recommending this card. but still, if anyone wants to apply, then I will provide the link in the description box down below. Suppose, someone has a bad CIBIL score, then, in that case, the company asks him to open an FD and that is also of at least Rs. 5000. Against this FD only, the company will issue this One Card credit card to you. If someone opens an FD of Rs. 5000, then he will get a 100% limit which is a limit of Rs. 5000 and suppose that if you ask for the upper limit that to the maximum, how much amount of FD you can open, then it does not have any upper limit. And if someone opens a FD, then in that case, he won't get a metal credit card but a simple plastic credit card like a normal credit card issued by ICICI Bank or SBI. But this doesn't even matter. See, it has caused chaos that you will get a metal credit card, but what would I do with a metal credit card? No matter, if you give me a metal one or a plastic one, it doesn't matter. I mean, the whole advertisement is based on this thing only that the credit card is made of metal. So, what should I do? Am I supposed to lick the metal credit card? Rather if you say that the credit card is of gold or diamond, then I would say that this is very good. Now, no matter, if it is of plastic or metal, tell me the main thing that how much money I can save by using this credit card That is the main thing. Now, you will say that it is made of metal. The main advertisement is based on that thing only that the card is made of metal. The first thing is that you should keep this thing aside from your mind and then think about this credit card because this thing doesn't make any difference that if the card is made of metal or plastic. The thing which will matter is how much cashback I am getting which we will discuss further. Okay now, let's proceed further. You have got this thing. Another scenario is if someone with a bad CIBIL score opens an FD of Rs. 50,000 or more, and then applies for a One Card credit card against this FD. In this case, they will receive a metal credit card instead of a plastic one. So, you should know this point. Now, another question which comes up is that when you should open an FD. The first case will be that if you have a bad CIBIL score, then you will have to open an FD. The second case is that recently, this is active in 54 cities only which means that in India, there are only 54 cities, all of which are mentioned here and you can take a screenshot of this as well. This is active in these 54 cities only and there is an inside story that if you don't have a house in any of these cities, then in that case, even if your CIBIL score is 800, then also, you will have to take this credit card against an FD only. The reason behind this is that suppose, you had a good CIBIL score and you live in a small town and not in any of these cities. You have taken this credit card and you have used it with a limit of Rs. 50000 and now, you are not paying the bill. And suppose, they don't have any office in your town. Then, in that case, One Card says that they can't recover from that person who had made the default because they don't have any office in that town. That's why, as of now, they say that if they don't have an office at a place, then for that place, they will issue this credit card against an FD only. So that, if anyone makes a default tomorrow, then it will be very easy for them to recover the amount by deducting it from the FD. Another question which comes up is that if someone has opened an FD of Rs. 50000, then against that FD, he has got a limit of Rs. 50000. So, on that FD, how much rate of interest will I get from One Card? So, the answer to this is that One Card is a co-branded credit card. They don't issue credit cards on their own. They have tied up with 6 banks which are BOB, CSB, Federal Bank, Indian bank, SBM and South Indian bank. You can get a credit card from any of these banks. You might get a credit card with a tie-up with SBM bank or with South Indian Bank. So, whichever bank you get the credit card from, according to the rate of interest which that bank offers on FD, you will get that rate of interest on FD. So, these were all of the points. Is there anything left? Everything is covered. Now, let's come to another point. Let's discuss that quickly and then, we will see the cashback part. It says that suppose, by chance, you have taken this credit card and you have got it unsecured which means that you have got the metal credit card. Now, you say that the bank has given you the metal credit card which is the best thing according to them. However, if you request to stop the service within 6 months, the bank will charge a penalty of Rs. 3000 for closing the card within 6 months. Similarly, if your card is active and you are enjoying its benefits but lose it and request a new metal card, you will also be charged Rs. 3000. Another thing is that if you have a plastic card and you close it within 6 months, then you will be charged Rs. 145 and if you lose the plastic credit card and you want to have a new one, then also, you will be charged Rs. 145. Now, let's come to the main and the most important thing: how much cashback you will get. So far, everything we've discussed are the points the company is exaggerating about. In my opinion, all of those points are irrelevant Now, let's come to the main point which is the reward points where I can save some money because that is the only benefit of having this credit card. They say that if you spend Rs. 50 or let it be... If you spend Rs. 100, then you will get 2 reward points. After learning this, you will be shocked to know that the value of 1 reward point is only 10 paisa. That means, if I spend Rs. 100, then I will get a cashback of 20 paisa only. According to me, this is the worst cashback. Because on today's date, can you imagine 20 paisa which means that you will get only 0.20% as cashback? I would say that on today's date, even the worst of the worst credit cards also offer a cashback of 1%. And there are some credit cards like if you ask me the best credit card on today's date, then I would suggest the cashback credit card of SBI. Whenever you will make an online transaction, you will get a cashback of 5%. The only limitation it has is that you can earn a maximum cashback of Rs. 5000 in a month. When will you get a cashback of Rs. 5000? When you will spend Rs. 1 Lakh in a month, then 5% of that amount will be Rs. 5000 only. Not every person in India is spending Rs. 1 Lakh using a credit card. So, this is the best credit card. I will provide the link to this one in the description as well. It is a million times better than the One Card credit card. For the rest, it is your choice. I will provide the link for the One Card one as well. The person who chooses this and has more love towards metal can apply for this. But according to me, I didn't like this credit card much because it focuses much on one thing only which is that it is made of metal and is free for a lifetime. These are all of the things. Now, let's come to the cashback. I am getting a cashback of 0.2% only and there is another limitation of this one which is that if you spend on rent, fuel, transfer money to someone online, withdraw cash or deposit money to any digital wallet, then in any of these cases , you won't get a cashback. This is not something useless. Every credit card has this feature and this Term and Condition. Apart from this, it says that if you spend on 6-7 different categories in a month, forget about 6-7 categories, suppose, you have spent on 3 categories for example, let's suppose that you have spent Rs. 5000 on entertainment or at a place related to entertainment, Rs. 4000 on groceries and Rs. 2000 on clothes. So, the top two among these which are Rs 5000 and Rs 4000 because it won't come under the top two. On the top two categories, you will get 5X reward points. They have written 5X and people might think that how much more cashback they are getting. 5X is nothing much. Previously, we received a cashback of 0.2%. The new offer gives us 5 times more, totaling 1%. However, the presentation exaggerates the significance of this increase Now, the thing is that the categories on which you will spend in a month, on the top two categories among those, you will get a cashback of 1%. This means that their highest cashback offer is only 1% So, that is the thing. It has a drawback which is that suppose, you have spent on only two categories in a month, then you won't get any cashback of 1% but of 0.20% only. They mean that to qualify for the top two categories, you must spend in at least three categories. So, this is another drawback and very confusing, how you would define that you are spending on entertainment only and where you will calculate that? You just roughly assume that you will only get a cashback of 0.20% which means that if you spend in crores, then only, you will get a cashback in some thousands. So, this is a very low amount of cashback. They claim that the reward points you earn have no expiry date, meaning there is no upper limit or deadline for the reward you accumulate. it doesn't have any upper limit or expiry. So, the thing is how much amount of cashback I am getting, I can say that I have gathered a huge amount of cashback and I would ask you if those might expire. I mean if you are getting the point that you are getting almost nothing as cashback. This offer is good: you will get a 100% waiver on the fuel surcharge. For example, when you purchase petrol for Rs. 100 and pay with a credit card, some banks apply a 2% or 3% fuel surcharge. which means that if you purchase petrol for Rs. 100, Rs. 102 will be deducted from your credit card. However, with this offer, they will waive 100% of the surcharge. So, if you purchase petrol for Rs. 100, only Rs. 100 will be deducted from your credit card. And they have the option of contactless card payment. For the rest, some offers keep going on. Let me show you those for once. There's no problem at all. This one is a good thing which is offered by very few credit cards that if you make EMI for any product, then on that EMI also, you will get some cashback. Otherwise, few credit cards say that on an EMI, you won't get any cashback. Let me show you the offer segment once. I am opening the Google Chrome from here. You might see it from here only. Let me show you this thing. This is your One Card credit card. We have come to its interface which will look like this. If we visit this offer section, as it is shown here but there is a date written under every offer like this one is valid till 31st May, this one is valid till 30th April and this one is valid till 30th April. Now, what is written over here is that if it is BlinkIt, then you will be charged Rs.0 as delivery fees if you make the payment using One Card. In the same way, it is written in the food section that if you order from Zomato, then you will get a discount of 10% and this is valid till 30th April. So like this, there are a few different small offers. But if you notice carefully like it is shown here for Zomato, then in Zomato, a discount of 10-15% is always there if you visit the offer section. So, this is not something special as well, according to me. So, these were all of the things. If we see the main thing, then it is that this offers a cashback of 0.20% or if you talk about the top two categories, then it offers a cashback of 1%. The main thing is the cashback. Another main thing which they have added is that they offer metal credit cards and and there is a rumor in the market that everyone can get it. Everyone is not getting it. They are getting it against FDs only. If you are supposed to take a credit card against an FD, then you can get it from any bank like SBI, ICICI Bank, HDFC Bank or Axis Bank. Just name a bank. If you want it against an FD, then you can get it from any of the banks. So, this was the complete overview. And I would request one thing from you that see... Now, I am going to share the process with you on how you can apply for One Card, in case anyone still wants to get it. I would like to request that creating this detailed PPT required a lot of effort, and giving a genuine and honest review also takes considerable effort If you believe that we should continue making such detailed concepts, please like this concept, subscribe to the channel and leave a positive comment. Your support will motivate us to continue creating content like this. If I simply show you how to apply for the One Card credit card by clicking here and entering these details, we could easily make 10 concepts in a day and upload them to YouTube. These types of concepts also get views, so my earnings from YouTube would remain the same. However, creating such detailed content takes an entire day to make one PPT. I request your support in this endeavour. You only need to do three things, and they won't cost you anything. Like this concept, subscribe to this channel, and kindly leave a positive comment if you really like our work. Let's begin the process of applying for the One Card credit card from the comfort of your home. If you want to apply for One Card credit card, then I have provided the link to apply for this in the description box. As you will click on that link, you can see such kind of interface on your screen. At first, you will have to install the 'One Card: Metal Credit Card' application. After installing the application, you will have to open that. After that, on the next page, at first, you will need to enter your mobile number. After entering the mobile number, you will have to select the check box down below. After that, you will have to click on the 'Get OTP' option down below. After that, on the next page, an OTP will be sent to your mobile number for verification. You will simply need to enter that OTP here. After that, you will have to click on the 'Confirm' option down below. After that, on the next page, you will have to verify your Email ID. Whatever your Email ID is, simply, you just need to verify it. After proceeding to the next page, you will be asked to set your PIN So here, you will have to set a 4-digit PIN. When will you need this PIN? Suppose you have completed the entire application process and received the card So, to check your balance, outstanding balance, and reward points, you will need to log into this application repeatedly. The PIN you set here will now serve as your password. Whenever you log into the 'One Card: Metal Credit Card' application, this PIN will always be required. So, you will have to enter a 4-digit PIN. After that, you will have to click on the 'Confirm PIN' option down below. You will have to tick the check box down below, so that, your fingerprint will also get enabled. After that, you will have to click on the 'Confirm' option at the bottom. After that, on the next page, you will have to enter some of your basic details, like at first, it is asking that whoever is applying for this credit card, what his first name is. You will have to write the name as it is on your PAN card. So, you will have to enter the first name. In the same way, you will have to enter the last name as it is on your PAN card. For example, suppose, someone has the name Rahul Singh, he needs to enter Rahul as the first name and Singh as the last name. So, in the same way, after that, you will have to enter your date of birth down below. It is asking for your gender whether you are a male or a female. So, after entering all of these basic details, you will have to proceed to the next page. After that, on the next page, a small notification will pop up. You just need to click on the 'Got It' option. After that, the next page will display your address details. Sometimes, this information is auto-filled, and other times, you need to enter it manually. Ensure that the address matches the one you have. If you need to change it, you can do so. The address displayed might be auto-filled from your Aadhar card or require manual entry. Regardless, your address should be entered here. After that, simply, you need to click on the 'Confirm' option. After that, on the next page, you will be asked to enter your PAN card details, which means you will need to enter your PAN card number. Locate your PAN card to find the PAN number and enter it. Then you will also be asked to re-enter your PAN number below, so enter the same PAN number again. After entering the PAN number, you will simply have to click on the 'Confirm' option down below. After that, on the next page, it is requesting me to open an FD of at least Rs. 5000. Now, the same thing has come up that the city where I currently reside does not have an office for One Card credit card. In this case, I will have to open an FD. I can increase or decrease the FD amount. Like, if I want, then I can make it Rs. 50000 as well. You can open the FD with any amount of money whatever you want to. Remember, as I mentioned earlier, you will need to open an FD of at least Rs. 5000 After selecting the FD amount of your choice, you will need to click on the 'Confirm FD Amount' option below. After that, on the next page, for example, it also shows that if I had opened an FD of Rs. 5000, the amount would have grown to Rs. 5357 after one year with interest. This implies an interest rate of 6.50%. The rate of interest is subject to change. When you open an FD, the rate of interest may increase or decrease. These changes will be displayed to you. So, you don't need to do anything. You just need to proceed to the next page. After that, on the next page, it will ask to verify your account details So here, it is showing an option, 'UPI Quick Verify'. I will have to click on this option. After clicking on this option, on the next page, this kind of interface will be shown. Here, it is saying that at first, you will have to enter your bank account number. Then, you will have to re-enter your bank account number. After that, you will have to enter the IFSC code of your bank account. By this, Rs. 1 will be sent to your bank account for verification from their side. Soon after sending this Rs. 1, on the next page, they will show you that your bank account has been successfully verified. After verifying your bank account, on the next page, it is requesting you to initiate the FD amount of Rs. 5000 or Rs. 50000, whatever you want to. So that, they can get the money and after that, they can issue your credit card. After that, on the next page, Rs. 5000 will be deducted from your bank account and an FD of Rs. 5000 will get deposited to One Card credit card, on which, you will keep getting interest and against that, one credit card will get dispatched to your house. Within one week, you will receive that credit card along with the welcome kit. This was a simple process to apply for a One Card credit card. So, I have shared all of those things. For the rest, it's up to you to decide what you want to do." For a few people, it might be useful and for a few people, it might be worthless. I have shared my genuine feedback. I hope that you have found This concept is informative, please like this concept and leave a positive comment. As of now, this is the end of the concept. all.

hello friends kya haal chaal friends in today's video i am going to do a comparison about file money and appointed savings account friends file money and new x both are an application which is based on new banking through which you can save your money. You can open a saving account without taking much time on the video, let's start the comparison, then friends, let's start with the basic information, first of all, let's talk about the launch date, it was finally launched in April 2019, the same thing, Jai near it In March 2000, which was launched in India, friends, let's talk about the profile of subsidy bank, I have partnered with Federal Bank, they have partnered with 149 small finance banks, now let's talk about whether the bank is regulated. Both work under RBI, friends, let's talk about the application source key, you will find it in the link description from where you can go and install, the application of both is available on the play store, here download the key to the family from the download of 50 lakhs. as well Pada ke wahi baat ki ki new apps krishna has more than 10 lakh downloads on Play Store so friends this was some basic information for money and now let's talk about it first talk about account opening process Let's talk about the investment that provides you a two-in-one savings account , in which your mutual fund account opens simultaneously. Talk to friends for free. Caves of Eligibility To open an account on me, you must be a salaried person, you must have some or the other occupation, the same thing should be done for investment, anyone can open their savings account in this, friends, talk fast that in both You should be 18 or more age friends, let's talk about the documents required, then Aadhaar card, PAN card, email ID and active mobile number will be required, if you want to open both types of savings account, then now friends, let's talk about Quasi 's additional measures. you get to see video kyc So there should be some talk inside its application itself , new apps that the vice chief of biometrics is available in it, as well as video KYC is also available to see the system, friends on their application, now let's talk about multiple account opening that if your If you have a Federal Bank Already account, then you can open a Family Pack account, yes, you can open an account, even if you have this Jupiter account, you can also open an account on Falguni, let's talk about investment in which multiple accounts The option is not available if you already have this account on a small small finance bank then you will not be able to open your account on Next Now friends let's talk about banking service and features so first of all talk about five You get free savings account on next also you get to see free savings account now let's talk account maintenance key doesn't require any type of 4G on both types of savings account friends talk transaction type both Online offline You get to see this type of facility, friends, talk about transaction salvation, then you get to see the facility of UPI next9, RTGS, IMPS, net banking, in both, if you want to access 5th net banking , go to the website of Dal Can, if you want to access net banking of New X, then you can go to the website of a small small finance bank. Now friends, let's talk about debit card solution, but you get to see both types of virtual physical cards. On Next also you get to see virtual physical card of both types, talk friends, there is only one solution for debit card, I get you to see Visa Platinum card, on Next also you get to see Visa Platinum card, which Thru you can also add international transactions, friends , let's talk about Direct Benefit Transfer i.e. DBT that this option is not available because both 5th and Appointed Savings Account provide, so now we talk about the main point of this video i.e. Friends, first of all talk about the interest rate in the family that in this you get to see the interest rate of cents at 2.5, which is a canteen account and is credited monthly to your savings account, whatever amount you If you keep it then friends should be talked about new apps that its interest rate is a bit structure wise, I will explain to you friends. If you keep an amount up to one lakh rupees on Next's savings account, then you will get an interest rate of 3.5 cents, if you keep a demand between 1 lakh and 5 lakhs, then you will get six percent, if you between 5 lakhs and 2 crores If you keep the amount, then you will get one percent from it and if you keep it above 2 crore rupees, then you will get 5.5 zero percent interest rate, friends, now let's talk, you can go to any branch of the middle led by the banking point, the same thing To be done next, for this you can go to another Chances Small Finance Bank branch, basically both provide online service , so you will not need to go to the branch. It is available to see friends, let's talk about copy of passbook , it will be available to see distrilly passbook only on their application, but facility of physical passbook is not available in both types of savings account, voice mail is not there, now friends, let's talk about salad and email statement in this. who finally got to see you over there Goes but Yaksha's is better than this you get to see balance inquiry partner on daily SMS slide and many more things let's talk about him now on stormy innings of mutual fund net is also not available but next you will get inside the application New Manika will be available to see the result below, so that you can start your investing too, that is why I told you this typing only that in this you get to see two in one account, friends talk about free airport lounge access on both the cards If you do not get to see this purely, then friends, these were some banking services and features, now friends, now let's talk about the charges levied on both types of savings account, friends, I will tell you all the types of charges. You will have to add GST separately on 18 cents, first of all let's talk about SMS alert and statement charge, profile money does not charge any kind of charge, no you get to see any question on next also thanks to friends let's talk money Remedy about the charge on transfer, it is absolutely free, you do not get any kind of extra charge to see it, it is free even on appointment, there will be no extra charge of any kind, if you transfer money , then talk to friends. Regarding the check charge, finally it will cost you ₹ 100, for checking 10 pages, the same thing should be done for the next one, but for the first time it is absolutely free, you get one for 10 pages for free, but after that the charges are ₹ 100 friends. Talk about fuel surcharge solution I will charge you 2.5 cents for whatever amount of fuel you get then the same thing should be done investment in it is absolutely free Bay off talk to him Charge about this, there will not be any such charge in both of them, if you do any kind of transaction through the website of being, then now let's talk about the charges on the debit card, let's talk about it first Kardashian fees about hi i absolutely fr Friends talk about annual subscription fee as well as on next it is free no one is charged on final it is absolutely free for the first time after that you have to pay Rs. .150 plus GST will be charged Friends talk about replacement charge on 5th again you can get replacement for free after that you will be charged rs.250 plus GST go to Mewat next that in this you will be charged Rs.150 plus Tasty Now friends, let's talk about the charge on ATM machine, if you have condition till 5th, then you can easily do transaction by going to ATM of any branch of Federal Bank, you will see similar charges on ATM machine. But if you use Aadhaar mode and not use half ATM, then you will not get free on five transactions per month, after that you will be charged 21 above but if you withdraw cash for any transaction If you change the pin, check the statement , then you will have to transfer 11 on it. There will be a charge according to the action, when your limit cross will be removed, while it should be talked about New X that in this you get to see pin transaction on metro city and 5 tons of prescriptions are available to see on city for free but according to the month. If you cross the limit then you will be charged 21% on cash withdrawal and no charge on balance inquiry pin change If you do not have his debit card, then friends, these are some charges for money and New York, now let's talk about limits from bank account, first of all, let's talk about funds transfer limit , but no limit is applicable on me. If the same thing is said on the lyrics, then you get a total of 10 lakhs to see this front Jackson, the rest of the IMPS ride is limited to 5 lakhs, the limit for your daughter is also ₹ 5 per day. Friends, let's talk about the UPI limit, I have done some measures, but you can transfer money according to the amount of 2 lakh rupees. If one lakh rupees is lying and talking about the number of connection, then sad transaction Pandey friends, now let's talk about the limit of ATM withdrawal, then you can withdraw 1 lakh rupees from brother money, use its debit card to use quick snacks. Limited Rs 1 Lakh Pandey What is Yes Using the money of this transaction you can get Rs 5 Lakh free You can do ride yes transaction, you can do a transaction of only two lakh rupees with the cut of Niyat, but according to the day, now let's talk about the charges on international ATM withdrawal, friends for money and Niyat both legs of Visa Support is available to see which users can do transactions even in foreign countries Talk about family charges Some ₹ 100 will be charged if you withdraw cash If you do non-financial transactions i.e. change PIN Balance inquiry If you do, then you will get a charge of ₹ 50 for viewing, while talking about investment , it will cost you ₹ 10, if you withdraw cash, if you do non-financial transactions, then you will be charged 25 for that, friends, whatever the charge is, it will be charged. Axis separately you have to improve friends , so far on this video I have given you basic information or banking features, what are the charges, what are the limits , I have explained all the things to you, now I will share with you my personal experience and some points of confusion in this video. by dividing Let me explain to them, let's first talk about security, its application is the most secure, if we talk about security, then I have made the application very secure, if your device does not have a SIM card, then you can file money Ca n't talk to be appointed that you will only need OTP in this you will be able to log in which is very much back at that time about the rate from the family then I have got you to see very good offers on Amazon But the sale keeps coming, you get 10% discount, you can also shop on Flipkart , you can also share this to Super by using the tweet of Finaly . Not a good thing, now let's talk friends , the server is very good in digging the bank lake, I have no such problem till date that my transaction gets stuck , if we talk about the colony, then I have a problem, my money is for 1048 hours. Stuck that no transaction could be done in the bill for 48 hours Yes , this is a very bad thing, appointed, you should improve your service, friends, talk about customer support, the most important point of yoga is America. They have a very good response even on 1 call, but if we talk about investment, for this you will have to separate four hours of your life, if you want to talk about any transaction on calling, but you will get support on the application. Well, you will get to see, the response is also very good, so friends, these were some comparison files , whatever I have told you about money and investment is according to 2022, this is what I am telling you from their website. I have checked, you will also find the link in the description, not together, I have made a video after researching on customer support and internet . If you want to open an account The link will be found in the description, you can check it by going there, the video has become very long, so I am in option a few till then Jai Hind Jai Bharat site of twenty

Friends, in this concept, we will discuss about the best credit cards. In this concept, we will discuss about 6 credit cards in total which means that all of these 6 credit cards are the best ones on today's date. If someone were to ask me today to recommend the six best credit cards issued by banks in India, this concept will focus solely on those six cards. At the beginning, I would like to request you to watch this concept till the end. Among these six credit cards, one card might be the best for someone, while another card might be the best for someone else. Additionally, I will be comparing these six credit cards. After discussing the first and second cards, I will highlight how they differ from the others. That means we will keep comparing all of these 6 cards every time. So that, you can clearly understand that which credit card is the best one for you. We won't discuss all six credit cards in great depth. Otherwise, as I've noticed before, the concept ends up being around 40 minutes long. I will share only the main features with you, so that, everything becomes clear to you. By the way, I have already made different concepts on all of these credit cards. I will share the links to all of those concepts in the description. I have already made 6 different concepts on these 6 credit cards. This is kind of a comparison concept, so that, you can understand that which credit card is the best one for you. So, let's start with the first one. The first one which comes in the list of these 6 credit cards is the Amazon credit card of ICICI Bank. Let's suppose, a customer has this Amazon credit card from ICICI Bank. It says that if the customer spends money on Amazon using this credit card, then he will get a cashback of 5%. No matter, if he purchases products worth Rs. 1 Lakh or Rs. 1 crore, it doesn't matter. If he purchases products worth Rs. 1 Lakh, then he will get a cashback of Rs. 5000. If he purchases products worth Rs. 1 crore, then he will get a cashback of Rs. 5 Lakhs. It means that there is no upper limit to getting this cashback. But the condition is that you will get a cashback of 5% only when you are a Prime member of Amazon. Now, what is this Amazon Prime? As you may have seen, Amazon Prime is an OTT platform where you can watch concepts. In the same way, if you are a Prime member of Amazon and you order a product, then it gets delivered very fast. If you are not a Prime member of Amazon, then if you place an order of any product on Amazon, then it might take 3-4 days or 2 days but if you are a Prime member of Amazon, then that product gets delivered to your home within 1 day. So, there are many facilities available. This Prime membership costs Rs. 1499 annually. Now, if someone is not a Prime member of Amazon and does not want to purchase the Amazon Prime membership for Rs. 1499 annually, then, if that customer purchases any product on Amazon using this credit card, they will receive a cashback of 3% instead of 5%. This is the only difference. Okay? So, the main thing is that if I talk about its joining fees, then also, it is Rs. 0 and if I talk about its annual fees, then it is also Rs. 0. If he doesn't want to become a Prime member and doesn't want to pay a single penny from his pocket, then if he purchases any product on Amazon, then he will get a cashback of 3%. If he purchases the Prime membership of Amazon, then in that case, he will get a cashback of 5%. Except that, there is another thing called Amazon Pay. It is just like Google Pay and all that you can scan any QR code, you can purchase gift cards, there are flights, hotels and other different things. It says that if you spend money on Amazon Pay using this credit card, then in that case, you will get a cashback of 2%. But there is a thing that if you make a flight or hotel booking on Amazon pay using this credit card only, then in that case, you won't get a cashback of 2% but of 5%. For the rest, it says that if you spend on any other platform, then you will get a cashback of 1%. If you opt for EMI on a product or make a one-time payment followed by EMI, you won't be eligible for any cashback. So overall, these are the features of this Amazon credit card. Now, let's compare this to another one. The second one is the Flipkart credit card of Axis Bank. As ICICI Bank has a tie-up with Amazon, Axis Bank has a tie-up with Flipkart. In this case, if a customer spends money on Flipkart using this credit card, then in that case, he will get a cashback of 5%. In this case, as well, there is no upper limit of the cashback. If he purchases a product worth Rs. 1 Lakh, then he will get a cashback of Rs. 5000. If he purchases a product worth Rs. 1 crore, then he will get a cashback of Rs. 5 Lakhs. But this credit card has a better feature as compared to Amazon which is that along with offering a cashback of 5% on Flipkart, it says that it has other partner brands like ClearTrip, cult.fit, PVR, Swiggy, earlier Tata Play was also there but it is not there any more and Uber which means that there are 5 brands. If a customer spends money on these 5 brands, then in that case, he will get a cashback of 4% which means that in the case of the Amazon credit card of ICICI Bank, there was a tie-up between Amazon and ICICI Bank only. and there was no special cashback on any other brand. In this case, there are 5 other brands as well. Along with getting a cashback of 5% on Flipkart, you can get a cashback of 4% on these 5 brands as well. Besides that, if you spend on any other platform, then earlier, you used to get a cashback of 1.5%, but now, because of the devaluation in Axis Bank, they have reduced it to 1% if you spend on any other platform except these. Here, I have attached a screenshot of devaluation as well. Another downside is that if you book a flight or hotel, or purchase any health-related product on Flipkart, you won't get any cashback, let alone the 5%. But in the case of the Amazon one, on any flight or hotel booking, you were getting a cashback of 5%. Now, there are a few exceptions where you won't earn cashback, such as fuel purchases or EMI payments. Here's a screenshot listing all these instances. If I go much deeper into it, then the concept will become long. I have attached the MCC code as well. You can take this screenshot. You won't get any cashback on these. With this credit card, you'll receive a welcome benefit: a Rs. 500 Flipkart voucher and a Rs. 100 Swiggy voucher upon card activation. Okay? Let's proceed further. You will get 4 accesses to airport lounges in a year. Earlier, you used to get these 4 accesses for sure but now, they have issued a condition that in the first quarter which includes January, February and March, if you spend Rs. 50000, then in the next quarter which includes April, May and June, you will get complimentary access to the lounge. But suppose, if you have spent Rs. 49000 using your credit card in the last quarter, then in the next quarter, you are not going to get that one access to the lounge. All of these things have been added when the devaluation happened. But before that, everyone used to get it. Let's proceed further. This was the eligibility criteria. The joining fees and the annual fees for this one are Rs. Rs 500 each. It can be waived off if you spend Rs. 3.5 lakhs annually. So, we have compared the Amazon credit card of ICICI Bank on one side and the Flipkart Credit card of Axis Bank on the other side. Now after that, the extract we get from these two which is that ICICI Bank was saying that you will get the cashback on Amazon and the Flipkart Credit card of Axis Bank was saying that you will get the cashback on Flipkart and another thing was that it was offering a cashback of 4% on 4-5 other brands. This is the main thing. The extract we have got from these two is the Cashback Credit Card of SBI. It says that you will get cashback on Amazon and Flipkart both. It says that forget about all of these if you spend on any online platform, no matter, if it is Amazon, Flipkart, Myntra, Swiggy or Zomato or you can even spend on any website, it doesn't matter. It will offer you a cashback of 5% on each of the online transactions. I mean that it has left both of these behind. However, these two credit cards are very good on their own. These are still in high demand. Sometimes, what happens is that if someone doesn't get the Cashback credit card of SBI, then he might get one of these two. These two are very good credit cards. If someone is eligible for all three credit cards, I would suggest they go for the SBI Cashback Credit Card. For the rest, you don't worry. I will provide the links of all of those 6 credit cards in the description which I will discuss in this concept. You won't face any problems. You can apply for any of these credit cards according to your choice. However, among the credit cards I am going to discuss, there are no better options We will discuss in detail how each card compares to the others. The first thing about this Cashback credit card is that you will get a cashback of 5% but it has a condition that monthly, you can get a cashback of up to Rs. 5000 only. This is not a worthless condition. There's no problem. If you spend Rs 1 lakh in a month, you will earn a cashback of Rs 5000 at 5%. However, if your expenditure exceeds Rs 1 lakh and you know it will be spent on Amazon, I suggest considering the Amazon credit card from ICICI Bank, as it has no upper limit. If you anticipate spending more than Rs. 1 lakh in a month, particularly on Flipkart, consider the Flipkart credit card from Axis Bank. If you think that where you are going to spend Rs. 1 Lakh in a month and that is also by using a credit card, then blindly, you can take this Cashback credit card of SBI. I have attached this screenshot. These are some of the things on which you won't get any cashback and another screenshot is attached here. on rent payments, fuel, wallet, and merchant EMI there will be no cashback. When it comes to fees, the ICICI Bank Amazon card has no fee. However, to avail of the 5% cashback benefit with this card, you need to invest 1499 rupees. Axis Flipkart card's fee was 500 rupees, and the SBI Cashback card cost 999 rupees. So, you must compare that too. This can be waived off if you spend 2 lacs in a year. Otherwise, you've to pay 999 rupees as it's joining and annual fees. But I'll say that SBI's Cashback credit card is the best so far if your annual expense online is less than 1 lac a year. So, the three credit cards we discussed, were best for spending online. The next credit card that we'll discuss is best if you want to save on fuel. I'd like to make a request. Creating these PPTs involves a lot of hard work and in-depth research. By now, I've covered so many credit cards that I can pick, choose, and compare them blindfolded when necessary. However, it still requires a significant effort. If you feel that this content adds value to your knowledge and you're enjoying the concept, please consider liking this concept, subscribing to the channel, and leaving a positive comment. You can just comment 'this is the best concept on the best credit cards'. That's all you have to comment and it'll be enough to motivate me to keep up the work. That's my request; it won't cost you a penny, but it will motivate me greatly. Let's move on. The best card for fuel is SBI's BPCL credit card. Its fee is 1499 rupees. No need to worry – this is the joining fee, but it says here that you'll get 6000 reward points as a welcome benefit. Suppose I get the credit card, and upon activating it, I receive 6000 reward points. Since 4 reward points equal 1 rupee, the 6000 reward points amount to 1500 rupees. This way, my joining fee gets waived off. I still have to pay 1499 as the annual fee every year, but its features are truly great. The first feature is the fuel waiver at Bharat Petroleum How much would that be? While the website mentions a 7.25% cashback, it's not exactly 7.25% because of the 1% fuel surcharge waiver. That's nothing significant For example, if you buy fuel worth 100 rupees and pay with a credit card, you're usually charged 101 rupees. With the 1% waiver, you'll be charged 100 rupees for fuel worth 100 rupees. This surcharge waiver is standard across credit cards. Therefore, we should consider it as a 6.25% cashback, meaning on fuel worth 100 rupees, we'll get 6 rupees and 25 paise as cashback. The condition is that you can receive a maximum of 625 rupees as cashback per month That means when you purchase fuel with 10k in a month, it's 6.25% would be 625 rupees. Now, if your expense on fuel is more than 10k a month, then I'd say that there's no other credit card that's better than this one in that case, you can get another card for your family No other credit card currently offers as much cashback and fuel savings. So, if your monthly expenditure on fuel is 20k, then you can make another SBI BPCL credit card for your family member. No other card will give this much benefit in fuel. So, that's that. Apart from that, you've to download their app – Bharat Gas app, from which you can order lubricants, gas cylinders etc. So, you can switch your gas connection to Bharat gas. Here, you'll also get 6.25% cashback. But you can get a maximum of Rs 125 as cashback per month. So, we can easily save 125 rupees a month here as well. Apart from that, on dining, departmental stores, movies and groceries, you'll get flat 2.5% cashback, and you can get up to 1875 rupees cashback per month. 1875 rupees as cashback is quite a lot, and this is only 2.5% of total expenses, which would be around 70k-75k. On any expenses other than these, you'll get a cashback of 0.25%. Now, you'll also get access to the airport lounge once per quarter another additional feature of it. Then it also says that if you spend 3 lacs a year, then you can choose a coupon from Aditya Birla, Yatra, or Bata worth 2000 rupees, and you can redeem it easily. You can ignore these liabilities – they're not that important. So, to sum up, you've to 1499 for it, and speaking of advantages, we'll get 1500 rupees as a welcome benefit, which waived off the fee; we can save 625 rupees on fuel each month; the fuel surcharge waiver is given by all; we can save 125 rupees using the app; and 1875 rupees can be saved per month on departmental stores, dining, movies, and groceries. Now, grocery is a basic need for all, so we can easily save a lot from here. So, it's a great credit card, which not only saves on fuel, but also gives great cashback on other things. The next credit card that we will discuss is best if you want a RuPay card. Suppose, you don't want a Visa or Mastercard, rather looking for the best RuPay card, then there are two types here. One is the Tata NEU Plus credit card, and the other is the Tata NEU Infinity credit card. Both of these have a tie-up with the HDFC Bank. The fee for the first one is 499 and the other costs 1499. Let me tell you all about it. There is this app called Tata Neu – I will spell it out for you – N-E-U. You will have to download it from the Play Store. You will have to install this Tata Neu app on your phone. you will find all items ranging from groceries, undergarments, clothing, electronics basically, everything that you get on Amazon and Flipkart 90% of all such items will be available here. You will get all the TATA products here – like Tanishq, which is a Tata brand; You'll also get groceries and everything else you need, like t-shirts, blazers, and other garments, or electronics like refrigerators, AC, and everything, from here. So, this app is kind of a rival app of Flipkart or Amazon. Suppose you don't have a card, but you make a purchase through the app. In this scenario, you'll receive a 5% cashback. For instance, if you buy a product worth 100 rupees, you'll get a cashback of 5 rupees. But if you have HDFC bank's Tata NEU Plus credit card, then while you were already getting 5% cashback from the Tata Neu app, but if you pay with this credit card, then you'll get an additional 2% cashback, which means, you'll get a total of 7% cashback by using the credit card. If you get the Infinity one, which costs 1499, instead of 499 If you're choosing between the two, I'd suggest getting the Infinity card. While you get 5% cashback normally, with this credit card, you'll get an extra 5% cashback. So, if you buy something worth 100 rupees you get a cashback of 10 rupees. So, you'll get a total cashback of 10%. It's a great RuPay credit card. So, those were the overall features, and here's a list of all the TATA brands available there. The best part is, being a RuPay credit card, if you opt for the Rs. 499 variant and make any UPI transaction, you'll receive a 1% cashback on that transaction. You will get a 1.5% cashback if you do a UPI transaction from the other card. It's a great credit card which also gives you airport lounge access. You get four times on the Neu Plus card and 8 times on the Neu Infinity card, along with 4 international lounge access as well. So, you get four domestic on this card and eight domestic on this one, along with 4 international as well. So, these are the features of these cards. The next credit card is from Axis Bank. This is also a great card. This is called the Airtel Axis Bank credit card. This is giving you a 25% cashback. What you have to do is download the Airtel Thanks app. If you use this credit card on Airtel Thanks app well, the fee for this card is 500 rupees only. So, you install this Airtel Thanks app. If you use this app for mobile recharge, broadband or wi-fi recharge, or DTH recharge, you will get a flat 25% cashback on that. Well, if I want to get this card and I don't have an Airtel SIM, then I'll port my number to Airtel. Whether it's Vodafone, Airtel or Jio it's almost the same but what matters here is that if I do a recharge, I get a 25% cashback even if it's Wi-Fi or anything else. But here the limitation is that, every month, I can only get a cashback of up to 250 rupees. So, they're giving 25% cashback, but only up to 250 rupees. This implies that you will receive the maximum cashback benefits by spending Rs 1000 per month. Secondly, If you make any utility bill payments through the Airtel thanks app like electricity, water or gas bills you get a 10% cashback. That's great, but again the monthly limit for cashback is 250 rupees. And you can spend a maximum of 2500 rupees in order to get a cashback of 250 rupees. Thirdly, you get a 10% cashback on orders from Swiggy, Zomato, or Big Basket. This is great too. Considering that it has a joining fee of only Rs 500, I have not seen so many features on any other credit card. Again, a limitation is that all these discounts put together you can get a maximum of 500 rupees cashback every month. So, to avail the maximum benefit, the maximum you can spend in the month is 5000. Apart from that, if you spend anywhere else, you'll get a 1% cashback. Now, its joining fee is 500 rupees. So, as the welcome benefit after receiving the card, if you make a transaction within the first 30 days you will get a gift voucher of 500 rupees from Amazon. So you can use this on Amazon easily, and your joining fee is in a way redeemed right away. So, these are all the basic stuff – fees and all. So, the joining fee is 500; no annual fee is applicable in the first year; after that, you've to pay Rs 500 annually. So, these were all the features. I will share the links to all the credit cards in the description box below. My only request is, if you found this concept informative, please like, subscribe, and leave a positive comment. Even a simple comment like 'this is the best concept on the best credit cards' would motivate me to create more content. So, for now, this is the end of the concept. Thanks for listening and thank you all.