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Credit card sign up bonus is a promotion offer that is given to new clients of banks and financial institutions. These rewards come in the form of reward points, cash back, or travel points and are usually given to card holders within the first few months of issuing the card or within the card’s first year. How Sign-Up Bonuses Work As for the features of bonuses, the individual reward, which is given by the credit card issuer to the holder, is given on the basis of meeting certain requirements, such as spending a fixed amount within a given period of one to three months. For example, you could get 5,000 reward points or some amount in cash back if you spend of ₹50,000 in the first three months on a specific card. Types of Sign-Up Bonuses 1. Reward Points: These points can be cashed in for items like groceries, hampers, gift cheques, or even outstanding travel bookings. They are flexible, keeping in mind that they may be used under many classes. 2. Cashback: This type of bonus gives th

All credit cards across India often come up with new offers and promotional schemes for customers within a given time; this is the best chance to fully maximize the use of the credit card. Here are some of the best credit card sign-up bonuses available in July 2024:  1. HDFC Bank Regalia Credit Card - Sign-Up Bonus: To create the card, 2,500 bonus points will be awarded to you. - Value: They are taken in barter for trips, vouchers, and many kinds of products. - Perks: Of the joining bonuses, member can be rewarded 4 points for every ₹ 150 spent, airport lounge visits over 1000 across the world free and can obtain up to 15% off on bills on dining among restaurant partners. - Annual Fee: ₹ 2,500/- (Claim can be made if the medical expenses does not cross ₹ 3,00,000/- in a year).  2. SBI Card Elite - Sign-Up Bonus: Five thousand reward bonus points is given to the card holder when the annual fee is paid. - Value: These points will also be usable to get e-vouchers and other relevant incent

Income Tax Return (ITR) is a document that is filled out by the taxpayers of India in order to provide the details of the Income Tax Department. Income tax returns need to be filed by entities and employers that receive over the set threshold of the government for exemption. This facilitates the operations of checking transactions and enables the government to monitor and collect taxes more efficiently. Importance of Filing ITR:  - Legal Compliance: The submission of ITR is legal requirement in India for individuals and entities; who have certain threshold income. - Financial Record: This acts like an identification card for income and tax, which may be vital when it comes to granting of loans, visas, and so many other financial activities. - Claim Refunds: Even to get a refund in case of excess tax on the employees’ side as per the provisions of Section 192 of the I.T. Act for every financial year, they prefer filing an ITR. - Carry Forward Losses: In ITR filing, one has the ability t

Made the decision of buying a home loan? That’s good to hear but, confused where you will find the Right Home Loan Bank? Well, choosing a right lender becomes crucial because that will make a huge impact on your whole process. You might get a lot of options of lender for your home loan but choosing the right one is in your hands. With proper research and knowledge, you won’t face this issue and find this whole process a lot easier. Before taking a home loan you need to identify about the needs and your capability to hold it. How much you can consider taking according to your financial capability, your credit worthiness and from where you are taking it. The interest rate and the hidden charges both has impact on the overall pay.   Gone are the days when you have limited options for choosing your home loan. Now, you a whirl of options waiting for you. Let’s have a look with financenu that how can you find the Right Home Loan Bank and get your home loan approval done.   Checking

Having a pre-approval for your home loan is important as it gives you an idea that how much you can borrow, also gives you an ease in the whole process. And when you are searching for home loan you might get on a point where you listen about this term of pre-approval of home loan. Don’t worry it is not a big term which you won’t be able to understand. Let’s delve into this article with financenu and get a proper understanding about this.   Pre-approval can be described as a prior step in your whole home loan process. As it has the involvement of your lender who will check your financial status and credit score to evaluate that whether you would be able to repay the amount back to them or not. It’s just simple as that. This will also give you a clear pace that rather you would be able to handle the loan amount or not. But remember that your pre-approval is not a guarantee of the loan but it surely can provide you a clear picture of your whole loan.   In general home loan pre

Do you have a personal loan? If not or you are planning to take it then this financenu guide is the best for you. Having a personal loan is beneficial for you as it can help you to cover a lot of expenses such as renovation, accidents, medical emergency or a vacation as well. Let’s delve into this blog and find out that what documents do you need for a personal loan.   Identification Proof You should have your identification proof while applying for Personal Loan Lowest Interest Rate in order to verify your identity. You can take either your passport, your Aadhar card, voter id card, driving license or you PAN card. Any of the document would work in order to prove your identity.   Address Proof This is taken to confirm your residential address as they are providing loan to you. In order to confirm, you can submit any of these. Your utility bills this include electricity bill, water bill and gas bill. You may also submit rental agreement, your passport, Aadhar card or vote

Thinking to buy a car loan? Well, buying a car loan is a quite big milestone for the people out there but don’t worry financenu is here with a guide on the full process of car loan to give you ease. Understanding the process will help you to get the best price for your car loan and you will also have a smooth process.   Let’s delve into this article and understand the whole process. Basics Get your basics clear first. That what car loan basically is. Go through the criteria which has been set up by the loan provider. Do you set up in the criteria or not.  Always determine the amount which you need to borrow for your car loan.   Eligibility Before applying for car loan you need to know that do you come in the eligibility criteria or not. Applying for car loan you should be above the age of 21 and the maximum limit is 65.   Documentation You need quite few documents for the approval of your car loan and they include your Identity proof such as aadhar card or voting c