{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.indusind.com\/iblogs\/manage-your-finance\/5-ways-to-save-on-your-shopping-expenses-with-indusind-banks-range-of-credit-cards\/#BlogPosting","mainEntityOfPage":"https:\/\/www.indusind.com\/iblogs\/manage-your-finance\/5-ways-to-save-on-your-shopping-expenses-with-indusind-banks-range-of-credit-cards\/","headline":"5 ways to save on your shopping expenses with IndusInd Bank\u2019s range of Credit Cards","name":"5 ways to save on your shopping expenses with IndusInd Bank\u2019s range of Credit Cards","description":"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\u2019s stack of credit cards, we ensure you make merry without hurting your wallet!...","datePublished":"2023-02-08","dateModified":"2023-02-21","author":{"@type":"Person","@id":"https:\/\/www.indusind.com\/iblogs\/author\/indusind\/#Person","name":"IndusInd Bank","url":"https:\/\/www.indusind.com\/iblogs\/author\/indusind\/","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8169561f34fb61e737060f1a537a86e2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8169561f34fb61e737060f1a537a86e2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"IndusInd","logo":{"@type":"ImageObject","@id":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/logo-2.png","url":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/logo-2.png","width":201,"height":86}},"image":{"@type":"ImageObject","@id":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/credit-card-expenses.jpg","url":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/credit-card-expenses.jpg","height":400,"width":1060},"url":"https:\/\/www.indusind.com\/iblogs\/manage-your-finance\/5-ways-to-save-on-your-shopping-expenses-with-indusind-banks-range-of-credit-cards\/","about":["Manage your Finance"],"wordCount":929,"keywords":["apply for a credit card","instant credit cards"],"articleBody":"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\u2019s 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 \u20131. Create a budgetBudget comes in handy for all money matters, and Christmas shopping is no different. The goal isn\u2019t 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 debtBefore 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 \u2013 set aside a sum for holiday shopping without cutting corners by evaluating your repayment capacity.\u00a0Gift list: put together a list of gifts to avoid last-minute expensive purchases.3. Use credit card rewardsWith the wide popularity of credit cards, considering the number of reward points, cashbacks, and discounts they offer, it\u2019s not surprising that a lot of shoppers will use or\u00a0apply for credit cards\u00a0this 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.\u00a04. Rewards that never expireWith IndusInd Bank\u2019s 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\u2019s easy EMI facilityBig 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\u2019t create a financial burden, and breeze through Christmas shopping as well.\u00a0Flexibility: With IndusInd Bank\u2019s 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.\u00a0Ease of purchase: Be it a transaction amount of INR 5,000 or INR 50,000, you could convert any amount \u2013 big or small \u2013 into easy EMIs, as long as it\u2019s more than INR 2,000.Flexible tenure: The cardholder can pick tenure as per their repayment affordability from 6, 12, 18, and 24 months.\u00a0Instant credit cards\u00a0with 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.Share This:"}