ICICI Credit Card Bill Payment: Convenience At Your Fingertips

ICICI is one of the premier private banks with top notch products and customer-centric services in its kitty. The bank tries its best to provide its customers with the ultimate banking experience by putting forth various products and services that ease out the everyday hassles of their client. With the growing need and usage of Credit Cards, Credit Card Bill Payment is one liability that keeps us on our toes for the entire month. But not anymore!

ICICI Credit Card Bill Payment is one of the most convenient and easy ways of paying off your Credit Card Bills with just a click. ICICI provides you with two alternatives to do your ICICI Credit Card Bill Payment- either through Net Banking or via your Debit Card. Read on to know more about it!  

ICICI Credit Card Bill Payment

Following are the ways through which one can make ICICI Credit Card Bill Payment conveniently:

ICICI Credit Card Payment through Debit Card: With the ‘Click to Pay’ facility, the card bearer can pay the ICICI Credit Card Bill Payment through his/ her debit card. Experience the ICICI Credit Card Bill Payment in just 4 easy steps:

• Choose the card type- Select the type of your Debit Card from the drop down menu.
• Give details of your Credit card- After choosing the card type, enter the 15 or 16 digit card number of your ICICI Bank Credit Card twice and enter the amount of bill payment. Click on ‘Pay Now’.
• Confirm the payment- Feed the authentication details and confirm the amount of payment.
• Acknowledge the online confirmation- Acknowledge the online confirmation through the Transaction Reference NUmber that will be provided to you on successful transaction.

ICICI Credit Card Payment through Net Banking: The ‘Click to Pay’ option facilitates the card bearer to make ICICI Credit Card Bill Payment through Net Banking facility of multiple banks apart from ICICI. The payment gets reflected in the ICICI Bank Card Account within three days. You can make your ICICI Credit Card Bill Payment in 4 easy steps:

• Select the bank- Select your bank from the list provided in the drop down menu.
• Give details of your Credit card- After you have selected you bank, choose your card type. After choosing the card type, enter the 15 or 16 digit card number of your ICICI Bank Credit Card and enter the amount of bill payment. This will lead you to the payment interface of the bank.
• Confirm the payment- Feed the details of authentication and confirm the amount of payment.
• Acknowledge the online confirmation- Acknowledge the online confirmation through the Transaction Reference NUmber that will be provided to you.

ICICI Online:

ICICI provides online access to all its valued customers so that they can keep an eye on their expenditure and manage their funds accordingly. On availing an ICICI Credit Card, the card bearer is provided with an online access which consists of an ICICI Credit Card Login. The ICICI Bank Credit Card Login allows the card bearer to view and manage his/her ICICI Bank Credit Card statement which contains all the financial information about that particular account. This helps the card bearer stay updated about every single penny that he/she earns or spends using that card.

ICICI Credit Card Customer Care: The bank has a dedicated team for handling the grievances and concerns of its esteemed customers pertaining to Credit Cards. The ICICI Credit Card Customer Care is a prompt and responsible division which caters to any query that you might have regarding the ICICI Credit Cards. You can reach out the ICICI Credit Card Customer Care on the ICICI Credit Card Customer Care Number - 1800-102-4242 between 9am to 6pm from Monday to Friday. Do provide the Customer Care Representative with the Service Request Number which is not more than 2 months old.   

Which Personal Loan Is Suitable For You? Check it Out Now

Are you bound to fulfill personal responsibilities towards your family? Worried, whether you will be able to fulfill them or not due to the paucity of funds. Don't worry but look for personal loans that are designed  to cover up all your personal requirements whether it is relating to purchase of consumer durable items like LCD, refrigerator, laptop to conducting a wedding in the family, paying school fees of your children or  for financing costly medical treatment. Whatever may be your reasons, Personal loans are the ideal solution till the time it doesn't prove costly on your pocket.

Look for lowest interest rates with flexible tenures where you get ample of time for settling your equated monthly installments at ease. A better idea where you can rescue yourself from the loan settlement anxiety on a shorter duration. The best approach for availing Personal loan come from having a glimpse of what top banks have to offer for Personal loan in India.

Top Banks Providing Personal Loans in India

SBI Personal Loan

SBI Personal loan is offered without any collateral security. The interest rates are offered by the bank ranging from 11.90%-16.55% per annum (unsecured), 10.55%-15.65% per annum (secured). The maximum loan amount that can be obtained is ₹ 15 lakhs with the flexible tenure of up to 5 years.

ICICI Personal Loan

This is one such multi-purpose loan offered by ICICI Bank without any collateral or security to salaried and self-employed professionals. A salaried person can get a loan up to ₹ 20 lakhs whereas a self-employed person can get the maximum loan of ₹ 30-40 lakhs. Also, the interest rate on the loan starts from as low as 11.59% per annum which comes with a flexible tenure facility of up to 5 years.

HDFC Bank Personal Loan

HDFC Bank has attractive rates to offer for instant approval at competitive interest rates ranging from 15.75% to 20% per annum subject to the profile of the borrower and the repayment capacity. An individual need to possess a minimum monthly income of ₹ 12,000/- within the age of 21 years to 60 years and can easily get this credit facility. 

Axis Bank Personal Loan

Axis Bank is one of the best lenders in the financial market of India in terms of the personal loan as well. Axis Bank loan provides the maximum loan upto ₹ 15 lakhs with interest rates ranging between 15.50%-24.00% per annum. The bank also offers flexible loan tenure of 12 months to 60 months.

Bajaj Finserv Personal Loan

Bajaj Finserv offers a personal loan to all the salaried applicants of India at attractive interest rates which start from 12.75% per annum The maximum loan tenure and maximum funding from Bajaj Finserv are 1-5 years and ₹ 25 lakhs, respectively.

Kotak Mahindra Bank Personal Loan

All Indian residents who are employees of the reputed company are eligible to obtain the personal loan from Kotak Mahindra Bank. The age limit should be between 21 years and 58 years. The maximum loan amount is ₹ 15 lakhs with the interest rates ranging from 11.29% to 14.29% per annum.

Personal Loan Eligibility

The salaried class employees and self-employed professionals are entitled to apply for personal loans. The Personal loan eligibility criteria differs from bank to bank when it comes to providing personal loans which are as follows:

Eligibility for Salaried Individuals

• Minimum age of the borrower: 21 years
• Maximum age of the borrower: 58 years
• Minimum work experience: 1 Year
• Minimum Net Monthly Income: ₹ 20,000/-

Eligibility for Self-employed Individuals

• Minimum age of the borrower: 24 Years
• Maximum age of the borrower: 65 Years
• Minimum work experience: 3 Years
• Minimum Net Annual Income: ₹ 1 lakh

Personal Loan Application Form

In order to avail personal loan, the borrower has to fill the details which are required in the application form. The borrowers can also apply online by filling in the following details:

   

• Personal Details along with the photograph
• Details of Co-obligant/ Guarantor along with recent photograph    
• Profession Details
• Income Details
• Details of Assets and Liabilities    
• Purpose of taking the loan    
• Repayment Details

Documents Required for a Personal Loan

Salaried employees and self-employed professionals are required to produce the following documents:

For Salaried Employees

•    Loan Application Form
•    2 Passport size photos
•    Salary Slips for last 3 months
•    Identity Proof PAN Card or Driving License or Voter ID Card or Adhaar Card, etc.
•    Residence Proof (Driving License/Voter ID Card/Aadhaar card, etc.)
•    Last 3 months Bank Statements
•    Employment Proof
•    Signature Proof

For Self-employed Individuals

• Loan Application Form
• 2 Passport size photos
• Identity Proof PAN Card or Driving License or Voter ID Card or Adhaar Card, etc.
• Office Residence Proof
• Income Proof: Audited financials for the last 2 years
• Last 6 months Bank Statements
• Employment Proof
• Signature Proof

Are UCO Bank Car Loan Interest Rates Lowest in the Industry?

It’s always a fun riding a stylish car with eye-catching interiors and exteriors. Tasting the roadside eateries while riding a car with your spouse or love interest is an amazing feeling. But when the wallet is put under the scanner to check whether it is ready to deal with the cost that is required to bring home a car, many become inept due to the surging interest rates on a car loan. The interest rates, to a greater extent, determine the outflow of money from your pocket towards servicing the loan.

So, when the rates charged are on the higher side, you would end up paying more which otherwise can be saved with lower interest rates. Your search for lower rates finishes with UCO Bank, a Kolkata-headquartered public lender which has been in the banking space since 75 years. The bank offers a car loan at affordable rates. But how much affordable is the question you would ask, right! So, let’s explore UCO Bank Car Loan Interest rates here and set the course for an easy and low-cost car acquisition.

UCO Bank Car Loan Interest Rates

UCO Bank finances the purchase of both new and used cars. The interest rate mechanism at UCO is purely based on Marginal Cost of Lending Rate, which applies for floating rate loans.

New Car Loan- 1-year MCLR+0.40%

                      - 8.60%+0.40%=9% p.a.

Used Car Loan- 1-year MCLR+1.50% if you buy from a certified dealer

                       -  8.60%+1.50%=10.10% p.a.

                       - 1-year MCLR+2% for others

                       - 8.60%+2%= 10.60% p.a.

Now let us see where does UCO Bank stand in terms of interest rates compared to its peers. Below are the interest rates of various lenders with the new car rate mentioned first followed by that of used car in each of the cases.

(Interest Rates in % p.a.)

State Bank of India (SBI)- 9.20-9.25

                                         - 12.65

                    HDFC Bank - 11.50-13.75

                                         - 14.50-17.50

   

                      ICICI Bank - 10.75-12.75

                                         - 15.75.  

                      Axis Bank - 11-12, 9.15 for salaried

                                        -  14.50-16.25

                   

   Bank of Baroda (BoB)  - 8.85-10.85  

Punjab National Bank (PNB)- 8.80-9.40

          Bank of India (BOI) - 9.35 for both new and used cars

Oriental Bank of Commerce (OBC) - 10.20-10.45

                                                           - 12.70

                    Canara Bank -8.75-8.95

           Corporation Bank - 9.40-9.90

                Syndicate Bank - 9.40

So, there you saw a list of car loan lenders with their respective interest rates on both new and used cars. You could find some banks which do not offer a loan for buying a used car. It is evident from the chart that UCO Bank is certainly one of the most affordable lenders available today, but not offering the lowest interest rate in the industry.  

How Much EMI You Need to Pay with UCO Bank Car Loan Interest Rates?

The interest rate is one of the vital factors determining the quantum of Equated Monthly Installment (EMI) towards a car loan. Assume you are buying a new car worth ₹7 lakhs. So, as per the new interest rate regime, you would need to service the loan at 9% while availing it from UCO Bank. The maximum time for which you can avail a loan is 7 years. Based on the eligibility, the bank decides to lend ₹6 lakhs. So, on a 7-year loan of ₹6 lakhs at the rate of 9% would bring forth an EMI and interest outflow of ₹9,653 and ₹2,10,890, respectively.

The interest outgo, however, can be reduced if you opt for a slightly lesser tenure, say 5 years, but with an expense of comparatively higher EMI. If you do follow this, the monthly installment and overall interest repayment are going to read as ₹12,455 and ₹1,47,301, respectively. The EMI, as you see, is higher by ₹2,802, but interest slashes by ₹63,589, quite a lot of bucks, isn’t it folks? As a buyer wanting to safeguard the money, this is one practice you should follow to cut down the interest repayment.

I hope, you are now fully updated on UCO Bank Car Loan Interest rates and their effects on your repayment journey. So, I leave it to you to decide whether UCO Bank is the one where you should apply for a Car loan or not. The choice is yours, but make sure your repayment capability is good enough to suffice the EMI payment and thus preventing any incidents of default, which if happens, could lower down your CIBIL score. With that, the chances of future loan approval from the lender can get either bleak or the eventual loan amount could be a lot lower than what you would need.

Enjoy Maximum Benefits with an Axis Bank Credit Card

A credit card has turned out to be on of the most used tools of plastic money. In fact, it is has become an integral part of our financial life. The market is over flooded with so many of them that you get confused which one to use. In case, you are a first time user, I will like to tell you that you should a choose a card that gives you maximum benefits and  has amazing offers in the form of reward points and cashbacks.

When you have a credit cards in your wallet, you can bid goodbye to paper money and instead can deal in online cashless transactions. As mentioned above, the market is full of lenders who are ready to give you a credit card but which one you should choose? I have something in store for you, which will help you deciding which one to avail.

Today, I will be telling you about an Axis Bank credit card and the different options you get under the same. Axis Bank offers a credit card under five main categories to its customers. So let’s explore the world of an Axis Bank Credit Card and know the features and benefits attached to different types of cards offered by the bank.

1. Premium:

Privilege-

• You receive ten points on Domestic or International spend for every Rs. 200 you spend
• You have access to selected MasterCard lounges as a complimentary gift
• You get a travel Voucher which will be worth Rs.5000 on Activation

Signature-

• You get 10/20 points for every Rs. 200 you spend on International or Domestic purchase
• You can enjoy cashback of 50% on the movie tickets
• You can get a discount on dining which is up to 20%

2. My Card:

My Zone-

• You get 4 points on every Rs. 200 you spend
• You can enjoy a cashback of 25% on all your movie ticket bookings
• You will get 10X eDGE loyalty RPs (reward points) on your weekend Dining

My Wings-

• You get four points on every spending of Rs 200
• You can enjoy and benefit Holiday and Hotels vouchers which are going to be worth Rs. 10000
• You receive two Complimentary Flight Tickets

My Choice-

• You can enjoy 5% cashback on any two of your preferred spending categories
• You receive four points when you make a spending of Rs. 200

My Business-

• You receive 4 points for every Rs 200 you spend
• You can get up to 20% cashback on the flight tickets
• You can enjoy hotel voucher of two free nights

3. New Launches:

Vistara Infinite-

• You will get 6 CV points on each Rs 200 you spend
• You will get one complimentary Business class ticket as a joining gift
• You can get up to three 3 Business class tickets along with 10,000 CV points on all your extended spends (terms and conditions apply)
• You can receive one Business class ticket on your extended spends of Rs 2.5 lakhs, Rs 5 lakhs and Rs 7.5 lakhs each

Vistara Signature-

• You will get 4 CV points on each Rs 200 you spend
• You will receive one complimentary Premium economy class air ticket as a joining gift
• You can get up to three 3 Business class tickets along with 3,000 CV points on all your extended spends (terms and conditions apply here)
• You can receive one premium economy class ticket on your extended spends of Rs 1.5 lakhs, Rs 3 lakhs and Rs 4.5 lakhs each

Vistara-

• You get one complimentary economy class ticket as a joining gift
• On spend of Rs. 200 you get 2 CV points
• You can enjoy up to two economy tickets plus 1,000 CV points on your extended spends
• You can receive one economy ticket on your extended spends of Rs. 1,25,000 and Rs 2,50,000 each

Neo-

• You can get a cashback of 10% on mobile recharge, movie ticket, Bus booking etc.
• You can enjoy 2 points on each Rs. 200 you spend
• You can get a discount of 10 % on Bookmyshow, Myntra, etc

Pride Platinum-

• You can earn four points for every Rs. 200 you spend
• You can get a waiver in fuel Surcharge
• You can earn  eDGE Loyalty Reward points worth 1200 each year

Pride Signature-

• You can earn four points for every Rs. 200 you spend
• You can enjoy a discount of 15% at restaurants with the feature of Dining delights.

4. Co-branded:

Buzz-

• You can earn up to 6 reward points when you spend Rs. 200

• You can enjoy a discount of 5% on flipkart
• You can get vouchers worth Rs. 8000 from flipkart on the basis of your spending

Select-

• You can get Luxury Shopping Voucher which will be worth Rs. 1000 and a membership of Priority Pass
• You can earn 10 eDGE Reward Points when you spend Rs 200,
• Earn 20 eDGE Reward Points for every Rs 200 on your ‘Retail Shopping’ spends
• Enjoy Complimentary golf rounds
• Enjoy Staycations, Sailing and more under the feature of Extraordinary Weekends

5. Other cards:

Reserve-

• Enjoy Taj Hotels and luxury lifestyle vouchers which will be worth Rs10,000
• Earn 10 eDGE RPs (reward points) on all your Domestic spends
• Earn 20 eDGE Reward Points on all your International spends
• Complimentary rounds of golf at 19 courses across the country
• Unlimited access to airport lounge across 120 countries

Insta Easy-

• Earn 6/12 points on each Rs. 200 you spend on domestic or international spends
• Fuel Surcharge waiver
• A free Credit period ranging up to 50 days.

  

Platinum-

• Fuel Surcharge waiver
• Enjoy a cashback of 25% on all your movie tickets

Titanium Smart Traveler-

• Fuel Surcharge waiver
• Earn 8 points on each Rs. 200 you spend while you travel abroad

Axis Bank Credit Card Statement

Now you can easily know about your credit cards statement and that too through online mode. All you have to do is enter the card number along with card holder name, date of birth in the format (DD/MM/YY) and date of validity in the format (MM/YY). This will provide you with instant information relating to your credit card statement.

Axis Bank Credit Card customer care

In case, you need additional information or have some queries, you can call on any of the two toll free numbers- 18002095577 or 18001035577.