Subhash - Answers

Hey bro, here’s why Amazon is giving 15% cashback on SBI cards but crediting it after 3 months. It’s not a fraud, just a way to manage things smoothly. Here’s the deal:

Fraud Prevention: The delay helps Amazon and SBI ensure no fraudulent transactions are made. It’s a safeguard to make sure everything’s legit.

Transaction Verification: They need time to check the purchases and confirm all the criteria are met.

Financial Reconciliation: It takes time for Amazon and SBI to sync their systems and finalize the cashback, so everything is accurate.

What You Can Do:
Keep track of your purchase dates and make sure they fit the offer’s terms.
After 3 months, the cashback should appear in your SBI card statement. If there’s an issue, contact their support.
So, it’s just a process to keep things safe and smooth. You’ll get your cashback, just need to be a bit patient!

you’re looking into the SBI SimplyCLICK Credit Card and have a few questions. Here’s a straightforward breakdown of what this card offers and how it can be beneficial for you:

Rewards Program
Earn Points on Every Spend: You get 1 reward point for every Rs.100 you spend.
Bonus Points for Partner Stores: Shop online at places like Cleartrip, Bookmyshow, Dominos, Yatra, Myntra, Netmeds, and Apollo 24/7 to earn 10 times the reward points.
Extra Points for Online Purchases: You’ll also get 5 times the points for other online spends.

Sign-Up Gift
Amazon Gift Card: Pay the annual fee of Rs.499 plus taxes, and you’ll receive a Rs.500 gift card for Amazon.in.

Milestone Rewards
Spend Rs.1 Lakh: Get Cleartrip e-vouchers worth Rs.2,000.
Spend Rs.2 Lakh: Earn another Rs.2,000 Cleartrip e-voucher.

Annual Fee Waiver
Fee Reversal: Spend Rs.1 lakh in a year, and your Rs.499 annual fee will be refunded in the next year.
Contactless Payments
Tap and Pay: Use the card’s contactless feature to make quick payments just by tapping it at retail terminals.

Fuel Benefits
Fuel Surcharge Waiver: Get a 1% waiver on fuel transactions between Rs.500 and Rs.3,000.

Worldwide Use
Global Acceptance: The card is accepted at over 24 million outlets worldwide and 3.25 lakh in India.

Free Add-On Cards
Family Benefits: You can get free add-on cards for family members who are 18 or older.

Cash Withdrawals
Cash Access: Withdraw up to Rs.1 million globally using Visa or MasterCard.

Utility Bill Payments
Easy Bill Pay: Pay for utility bills like electricity, mobile, and telephone using the card.

Balance Transfer
Low-Interest Transfers: Move outstanding dues from other cards to this one at a lower interest rate.

Flexipay Option
EMI Facility: Convert purchases above Rs.2,500 into easy EMI payments.

Easy Money Facility
Draft Orders: Contact customer care to order a bank draft anytime you need.

So, if you’re looking for a card that rewards your spending, offers great benefits, and provides flexibility, the SBI SimplyCLICK Card is a solid choice. Let me know if you have any other questions!

Hey brother, here’s how you can transfer funds from your PNB credit card to a bank account without using a wallet.

I get it, man. Sometimes you don’t want to mess with wallets like Paytm or Google Pay, and you just need to get the funds from your PNB credit card straight into your bank account. While credit cards aren’t really built for that, there are still a few ways you can do it. I’m going to break it down for you step by step.

Use Internet Banking or the PNB Mobile App
First off, you’ll want to check out PNB’s Internet Banking or the PNB mobile app. Sometimes they have options that let you transfer money from your credit card to your bank account. It’s not always front and center, but look for things like ‘Cash Advance’ or ‘Balance Transfer.’

Here’s what you can do:

Log into PNB Internet Banking or open the PNB app on your phone.
Head over to the credit card section.
Check if they’ve got something like Cash Advance or Balance Transfer.
If it’s there, just follow the steps, and boom—you’re done. But, heads up, they might charge fees for this.

Cash Advance at an ATM
Another way to move money from your credit card to your account is to use PNB’s Cash Advance feature. Basically, you take out cash from your credit card limit, and then you can deposit that straight into your bank account. It’s a bit old school but it works.

Here’s how:

Hit up any ATM that works with PNB credit cards.
Select the Cash Advance option to withdraw some cash.
After that, just go to your bank and deposit it, or use the ATM if it supports cash deposits.
Warning though: Cash advances usually come with high-interest rates and fees, so you really don’t want to use this method unless you have to.

Balance Transfer
You could also try Balance Transfer, which is where you take the money from one credit card and shift it to your bank account. Some cards even offer this at a lower interest rate compared to cash advances, which is a bonus.

Here’s how to go about it:

Give PNB customer service a call and ask them if they allow balance transfers to a bank account.
If they do, you can transfer the funds directly to your bank or even to a different one.
Usually, balance transfers give you a lower interest rate, especially during promotional periods, so this might save you some cash in the long run.

Third-Party Services (No Wallet Involved)
There are also some third-party services out there that can get the job done. These guys will take your credit card payment and transfer the funds to your bank account without going through a wallet app.

Just be careful though, man—make sure the service you pick is legit. Check their reviews, make sure they don’t charge hidden fees, and see if they meet financial regulations.

Things to Keep in Mind:
A couple of things you need to think about when you’re transferring money from your credit card to a bank account:

Interest Rates & Fees: Most of these methods—especially cash advances—are gonna hit you with high interest and fees. Make sure you check what they are before you go ahead with the transfer.

Credit Card Terms: PNB might have some rules about what you can and can’t do with your credit card, so always give the terms a quick read before transferring.

Credit Score Impact: Doing stuff like this could mess with your credit score, so you’ve got to be smart about it. Pay off any balances fast, or else you’ll be stuck paying tons of interest.

Repayment Period: Always know when you need to pay it back. Otherwise, you might end up paying a lot more than you planned.

Other Options If You’re Not Feeling the Direct Transfer
If transferring from your PNB credit card straight to your bank account feels like too much hassle, here are a few alternatives that might work better for you:

Personal Loan Against Credit Card

You can actually get a personal loan using your credit card as collateral. The interest rates are usually lower than a cash advance, and you can transfer the money straight to your bank account.

Just call PNB and ask if they offer personal loans on credit cards. You might get a better deal this way.

Use Your Debit Card

If you’ve got a PNB debit card, why not use that for transfers or withdrawals? You won’t have to worry about those crazy high-interest rates that come with credit card cash advances.

Bank-to-Bank Wire Transfer

If you’ve got another account, you can always do a wire transfer from bank to bank. It’s instant, secure, and doesn’t involve any wallets, which is exactly what you’re looking for.

Bottom Line
So yeah, bro, transferring money from your PNB credit card to a bank account without using a wallet isn’t super easy, but it’s totally doable. Whether you’re using cash advances, balance transfers, or some third-party service, just make sure you’re clear on all the fees and interest rates involved.

And remember, there are some other options like personal loans that might save you some cash in the long run. Just weigh your options and go with what works best for you.

Good luck, and hit me up if you need more help with this!

1. Checking Your HDFC Credit Card Balance via NetBanking

It’s simple and secure to quickly check your HDFC credit card balance via NetBanking portal. Simply visit HDFC Bank website, log in with Customer ID and password, navigate to Cards section where all linked credit cards will appear, select HDFC card to see current balance along with available credit limit; quickly manage account as you would normally, viewing recent transactions as well as information related to it all in just a few clicks!

2. HDFC Mobile Banking App

The HDFC Mobile Banking app offers an efficient way of keeping tabs on your credit card balance from any smartphone. Simply download and install it from either Google Play Store or Apple App Store, login with your NetBanking credentials, select your card in “Cards”, then “Balance.” Here, you will see both current balance and available credit limit, recent transactions and payment due dates all conveniently listed for easy viewing.

3. SMS Banking for HDFC Credit Card Balance Check

HDFC Bank offers an SMS banking service that makes checking your credit card balance on the go much simpler. Simply text “CCBAL” followed by your last four digits of your card number to 5676712 and within seconds, you will receive a response with both current balance and available credit limit information – making this method especially handy if you don’t have Internet access!

4. HDFC Bank Customer Care

For those who prefer speaking directly with a representative, HDFC Bank Customer Care is available 24-7 to help them check their credit card balance. Simply call from any registered mobile phone and follow the IVR prompts to authenticate yourself, before inquiring about your balance – one of their representatives will provide all the answers to any additional card-related inquiries that arise.

5. ATM Balance Enquiry for HDFC Credit Cards

You can check your HDFC Bank credit card balance quickly and conveniently at any of their ATMs by inserting your card, entering your PIN and selecting “Balance Enquiry” from the menu – your current balance and available credit limit will then appear onscreen for easy viewing. This method makes for convenient banking solutions when visiting an ATM for cash withdrawals or other banking needs.

6. HDFC Bank Sends Monthly Email Statements

HDFC Bank offers credit card holders monthly email statements which include a detailed breakdown of transactions, outstanding balance and available credit limit. By reviewing these regularly you can stay on top of your balance and manage finances more effectively – just ensure to open them securely to avoid phishing scams by verifying senders email address!

7. Utilizing HDFC Bank’s Missed Call Service
HDFC Bank offers a missed call service for checking your credit card balance, which entails giving a missed call to their number provided and receiving an SMS with information on both current balance and available credit limit. This method can be particularly helpful when there is no internet access or SMS banking services are not an option.

8. HDFC Credit Card Balance Check via UPI Apps
Once your HDFC credit card has been linked with one or more UPI apps like Google Pay or Paytm, checking its balance can be easily accomplished through them. Simply open up one of these UPI apps, navigate directly to its credit card section, select your HDFC card from there and it will display both its current balance and available credit limit – an approach which fits seamlessly with all digital payment activities involving UPI for convenience users who frequently utilize this method of payments.

9. Through HDFC Bank’s Website Without Logging In

HDFC Bank also allows its users to check their credit card balance without needing to log into its NetBanking portal. Simply visit their website, navigate to their Credit Card section and use Balance Enquiry option – entering credit card number and registered mobile number will trigger an OTP that once verified will display your balance on-screen.