Category: Credit Card
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Top Credit Cards for Returning NRIs: The Ultimate Guide
Hey there! Mani here. When I moved back from SuperMoney in California in 2017, one of the most frustrating things wasn’t the reverse culture shock or finding good Mexican food in Bangalore. It was getting a decent credit card. Picture this. I’m back in India after 8 years in the US. I have a stellar…
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Axis Atlas – The Credit Card NRIs Need When Moving Back
Hey folks! Mani here. Remember when I landed at Bangalore airport in 2017 with my family? I had bank accounts. I had investments. I had enough Indian rupees in cash. But I had ZERO Indian credit history. That’s when I realized I had missed a critical part of my financial transition back to India. My…
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Amex Corporate Gold Card – The Secret Weapon for NRIs
That chaotic day in 2016 still haunts me. I was sitting in my Irvine apartment surrounded by moving boxes. My return to India was just weeks away. Then my phone buzzed. A text from my company finance team. “Mani, we need to discuss your Amex Corporate Gold Card before your relocation.” My heart sank. This…
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HDFC Smart Buy – Your Key to Indian Shopping While Abroad
Folks, I still remember staring at my Chase credit card statement back in Irvine. My wife needed to buy her mom a refrigerator in Chennai. We ended up paying almost 4% in foreign transaction fees! That was 2016. I didn’t know about HDFC Smart Buy then. When we moved back to India in 2017, I…
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How to Grow Your Credit Score After Moving to India as an NRI
So, you’ve just moved back to India after years of building an enviable credit score in the USA. You had the perfect blend of credit cards, maybe a house or car loan, and you were probably getting approval for almost anything just by blinking at the bank. But now you’re back, starting fresh, and suddenly,…
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HSBC Visa Platinum Credit Card Review
HSBC Visa Platinum is a great cashback credit card for daily shopping, eating out and travel. Here are the reasons why. Established in 1856, HSBC is the 7th largest bank in the world, with a presence in as many as 67 countries and having served over 38 million customers. The bank is an important, albeit…
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Union Bank International Credit Card (Visa) Review
Is the Union Bank International Visa Credit Card good enough if it doesn’t offer a lot of benefits? Read on to know more. The Union Bank International Visa Credit Card offers a host of privileges, including shopping, ticket bookings, dining, travel, entertainment and much more. The card is offered in multiple variants, such as Classic,…
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HDFC Bank Diners Club Black Card Review
HDFC Bank Diners Club Black Card isn’t the best option for anything apart from dining. Here’s why. HDFC Bank Limited, incorporated in 1994, is headquartered in Mumbai. As of 2019, it has 5,103 branches and 13,160 ATMs across 2,748 towns and cities in India. Btw, you can find the best credit cards in India listed…
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IndusInd Platinum Aura Edge Card Review
When you move back to India, building credit from scratch is one of those annoying realities nobody warns you about. Your 800 FICO score? Doesn’t matter here. Your years of responsible credit history in the US? The banks don’t care. You’re essentially starting over. That’s why I wanted to review the IndusInd Platinum Aura Edge…
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IndianOil Citi Platinum Credit Card Review
This is one of the best co-branded credit cards if you want save money on fuel and it gives flexible redemption options too. Here’s more. The IndianOil Citi Platinum Credit Card is a value for money card, where customers can get approximately 70 litres of fuel for free. The credit card also awards reward points…