GEEK GAINS: Credit Card Rewards, Points & Miles
Geek Gains is all about making credit cards, hotel loyalty programs and travel miles easy to understand. We give you clear reviews and tips so you can pick the best deals and travel smarter. It’s all about making the best choices without the hassle.
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Credit Card Reviews
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SBI Credit Card Unnati Review
Joining Benefits of SBI Unnati Credit Card
- No Annual Fee for the First 4 Years:
Enjoy zero annual fees for the first four years, making it a cost-effective option.
- Easy Approval:
Simple eligibility criteria, with no income proof required, as the card is issued against a fixed deposit of ₹25,000 or more with SBI.
- Reward Points:
Earn 1 Reward Point for every ₹100 spent on all retail purchases, except fuel.
- Fuel Surcharge Waiver:
1% waiver on fuel surcharge across all petrol pumps in India for transactions between ₹500 and ₹3,000.
- Cash Withdrawal Facility:
Withdraw cash up to 90% of your credit limit from ATMs, offering liquidity in emergencies.
- Interest-Free Period:
Up to 50 days of interest-free credit on purchases.
- Flexible Payment Options:
Option to convert large purchases into easy monthly installments (EMIs).
- Security Features:
EMV chip-enabled card for enhanced security against counterfeiting and skimming.
- Complimentary Insurance:
Personal accident cover for the cardholder, providing added security.
Axis Bank Insta Easy Credit Card review
Joining Benefits of Axis Bank Insta Easy Credit Card
- Easy Approval:
Instant approval with minimal documentation, as the card is issued against a fixed deposit.
- No Income Proof Required:
No proof of income is required since the card is secured against your fixed deposit with Axis Bank.
- High Credit Limit:
Credit limit of up to 80% of your fixed deposit amount, with a minimum FD of ₹20,000.
- Reward Points:
Earn 6 EDGE reward points for every ₹200 spent on the card.
- Fuel Surcharge Waiver:
1% waiver on fuel surcharge at all petrol pumps across India.
- Annual Fee Waiver:
No annual fee for the first year. Subsequent annual fee waived on spending ₹25,000 in a year.
- Interest-Free Period:
Up to 50 days of interest-free credit on purchases.
- Cash Withdrawal Facility:
Withdraw cash up to 100% of your credit limit from ATMs.
- Flexible Payment Options:
Option to convert large purchases into EMIs.
- Security Features:
EMV chip-enabled card for enhanced security against counterfeiting and skimming.