Credofly Journal
Guides, explainers, analysis and updates across credit cards, rewards, loyalty, travel and the wider card ecosystem.
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Your credit card bill payments may be reported to the Income Tax Department when they cross specified thresholds during a financial year. Here’s how the reporting works, how multiple cards from the same bank are treated, and where you can check the information. Credit cards are increasingly used for everything from everyday purchases to travel, […]
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HDFC SmartBuy is a rewards platform by HDFC Bank aimed at enhancing the value customers get from their HDFC credit cards. It’s designed to offer accelerated rewards, exclusive deals, and a convenient way to book travel and purchase vouchers. Here’s an overview: Key Features: How It Works: Benefits by Card Type: Considerations: Maximizing SmartBuy: HDFC […]
HDFC Bank’s rewards system is designed to offer value to its credit card users through a variety of rewards points, cashback, and exclusive benefits across its diverse range of credit cards. Here’s an overview of how the rewards system works: General Structure: HDFC Bank primarily uses two types of rewards mechanisms: Earning Rewards: Redemption of […]
HDFC Bank’s Biz Series Credit Cards are specifically designed for business owners and self-employed professionals in India, offering rewards and benefits tailored to business-related expenditures. Here’s an overview of the key cards in this series: 1. HDFC BizBlack Credit Card 2. HDFC BizPower Credit Card 3. HDFC BizGrow Credit Card 4. HDFC BizFirst Credit Card […]
Here’s an overview of the Taj Hotels Loyalty Program, which includes several programs under the umbrella of Taj InnerCircle and NeuPass: Overview: Taj Hotels, part of the Indian Hotels Company Limited (IHCL), offers loyalty programs designed to reward guests for their stays, dining, and other experiences across their portfolio of luxury hotels, resorts, and palaces. […]
Here’s an overview of the Club ITC loyalty program by ITC Hotels, which is designed to reward frequent guests with a range of benefits across ITC’s various hotel brands: Overview: Club ITC is one of India’s leading hotel loyalty programs, known for its simplicity, flexibility, and the value it provides to members. It rewards guests […]
Hilton Honors is Hilton’s award-winning loyalty program, providing members with numerous ways to earn and redeem points across its extensive network of hotels and resorts. Here’s a detailed look at the program: Overview: Hilton Honors stands out for its simplicity, generous rewards, and accessibility to elite status, making it a favorite among travelers. With no […]
Marriott Bonvoy is the loyalty program for Marriott International, encompassing their vast portfolio of hotel brands, from luxury to budget options. Here’s an in-depth look at the program: Overview: Marriott Bonvoy replaced the former Marriott Rewards, Ritz-Carlton Rewards, and Starwood Preferred Guest programs in 2019, integrating them into one comprehensive loyalty system. It’s designed to […]
IHG Rewards Club, now known as IHG One Rewards, is the loyalty program of the InterContinental Hotels Group (IHG), offering a range of benefits to its members across their portfolio of brands, from luxury to budget hotels. Here’s an overview: Overview: IHG One Rewards is designed to reward members for stays at IHG’s extensive network […]
Here’s a comprehensive overview of the ALL – Accor Live Limitless loyalty program, detailing its features, benefits, and how members can maximize their experience: Overview: ALL – Accor Live Limitless (formerly Le Club AccorHotels) is Accor’s global lifestyle loyalty program, designed to reward members for their stays, dining, and lifestyle experiences across Accor’s vast network […]
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Your credit card bill payments may be reported to the Income Tax Department when they cross specified thresholds during a financial year. Here’s how the reporting works, how multiple cards from the same bank are treated, and where you can check the information. Credit cards are increasingly used for everything from everyday purchases to travel, […]
Here’s an overview of the Club ITC loyalty program by ITC Hotels, which is designed to reward frequent guests with a range of benefits across ITC’s various hotel brands: Overview: Club ITC is one of India’s leading hotel loyalty programs, known for its simplicity, flexibility, and the value it provides to members. It rewards guests […]
Here’s a comparison between the HDFC Diners Club Black Metal Credit Card and the HDFC Infinia Credit Card, focusing on their features, benefits, and how they might suit different user profiles: Overview: Eligibility: Annual Fee: Rewards Program: Travel Benefits: Welcome & Milestone Benefits: Insurance: Other Perks: User Profiles: Conclusion: Both cards offer luxurious travel and […]
Yes — and in a big way. How you use your credit card directly affects your CIBIL score (and other scores like Experian, Equifax, CRIF). Used smartly, credit cards can build a strong credit history. Misused? They can drop your score by 100+ points. Let’s explore how. 🔑 1. Payment History – Most Important Factor […]
Credit cards offer great rewards, but they can also come with a variety of fees. Some are upfront and obvious. Others? Hidden in fine print. In this guide, we break down every common credit card fee in India, so you can avoid surprises and maximize your card’s value. 📌 1. Joining Fee This is a […]
Here’s a detailed review of the AU Small Finance Bank LIT Credit Card: Overview: The AU Bank LIT (Live-It-Today) Credit Card is marketed as India’s first customizable credit card, allowing cardholders to choose features based on their lifestyle and spending habits. It’s designed for flexibility, offering a lifetime free (LTF) experience with add-on features at […]
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