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5 ways to save on your shopping expenses with IndusInd Bank’s range of Credit Cards
Posted on Wednesday, February 8th, 2023 | By IndusInd Bank
With rising costs and festivals around the corner, many of us are looking to celebrate Christmas without compromising on quality. Since Christmas is just around the corner, it makes sense to celebrate it with gusto without breaking the bank. With IndusInd Bank’s stack of credit cards, we ensure you make merry without hurting your wallet!
Here are some ways you can save your cash for Secret Santa –
1. Create a budget
Budget comes in handy for all money matters, and Christmas shopping is no different. The goal isn’t to be cheap, but to be mindful of spending and get the maximum value out of your Rupee. The first step is to make a realistic budget of how much you plan to spend on Christmas gifts and other expenses, such as food and decorations. If you have a spouse or partner, get them involved – this will help keep everyone on track.
2. Current debt
Before you allocate any funds to holiday shopping, assess your current debt to have a firm idea of your financial and repayment capacity.
- How much can you spend – set aside a sum for holiday shopping without cutting corners by evaluating your repayment capacity.
- Gift list: put together a list of gifts to avoid last-minute expensive purchases.
3. Use credit card rewards
With the wide popularity of credit cards, considering the number of reward points, cashbacks, and discounts they offer, it’s not surprising that a lot of shoppers will use or apply for credit cards this holiday season. And even if you have saved money for holiday shopping, it may be in your best interest to use credit cards for shopping and use the money to pay bills or emergencies. Why? Because if you use the right credit card, you can earn extra discounts, reward points that can give you cash, and extra perks.
4. Rewards that never expire
With IndusInd Bank’s credit cards, all your festive spending can help you accumulate reward points that come with no expiration date. You can later redeem them at your convenience and also have the flexibility to redeem them for cash too.
5. Make use of the buy now pay later with IndusInd Bank’s easy EMI facility
Big purchases can burn your wallet and disrupt your financial planning. With Indus easy EMI, you do not have to face a large credit card bill, instead, you can split the transaction amount into easy EMIs spread evenly across months. This way, you earn the perks and don’t create a financial burden, and breeze through Christmas shopping as well.
Flexibility: With IndusInd Bank’s buy now pay later facility, you can easily request a big purchase to convert to an EMI within 45 days of purchase. So, for your Christmas shopping, you have until January to convert the transaction into easy EMIs to pay off comfortably.
Ease of purchase: Be it a transaction amount of INR 5,000 or INR 50,000, you could convert any amount – big or small – into easy EMIs, as long as it’s more than INR 2,000.
Flexible tenure: The cardholder can pick tenure as per their repayment affordability from 6, 12, 18, and 24 months.
Instant credit cards with IndusInd Bank provide diverse perks and privileges to cardholders. Enjoy the festive spirit of Christmas with loved ones in the truest sense. Availthe buy now pay later facility to enjoy stress-free shopping! Cheers!
Disclaimer: 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. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information.
