New Delhi, November 27, 2016: Travelling after demonetization is a tricky business. You are in a new place where no one is prepared to lend you a credit card and no one is willing to sell without the new currency. Try and book all-inclusive packages and check beforehand to ensure that your travel agent will accept cheques or credit and debit cards, says an expert.
Earlier this month, Prime Minister Narendra Modi made a decision to scrap Rs 500 and Rs 1,000 currency notes to curb black money. And if you have plans to travel, Vikram Lalvani, travel advisor of Sterling Holidays, has a few tips to offer on how to travel hassle-free.
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* Book packages: Try and book all-inclusive packages which will cover travel and meals once you reach your destination, so you are not strapped for cash at the last minute.
* Online payment: Book your stay well before reaching the destination. These are not the times to backpack and find a hotel on arrival. So, book online.
* Travel agent: Check before travelling to ensure that your travel agent will accept cheques or credit and debit cards.
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* Local travel: Cash crunch? Use cab services that offer cashless transactions for shuttles between places and rent-a-car services.
* Download mobile wallet apps: Several cashless payment apps have wide usage, and even some small and pop stores use them. Download one or two apps before your journey, so that you can pay electronically wherever possible.
* ATMs and banks: Before leaving home, identify the banks and ATMs near your hotel or on your travel route. On the go, if you spot a branch of your bank or see an ATM, withdraw cash, even if you have enough money or don’t foresee any expenditure.
* Packing: Ensure that you carry enough medicines and other travel essentials for the entire journey. Do carry your mobile charger and power bank as per your requirements.
* Shopping and eating out: Before you step out of your hotel, research or call ahead and identify restaurants and shops that accept plastic cards or cheques. Usually, larger establishments offer a card swipe facility. (IANS)
While you can use a credit card to pay for an array of needs and requirements in a simple swipe or click, you can pay your credit card bill conveniently too. Issuers offer a range of online and offline payment options to make it easier for you to clear your dues and enjoy the perks of credit cards hassle-free. Here’s a snapshot of how you can pay your credit card bills with ease.
Online modes of credit card bill payment
You can choose to pay your credit card bill online to save on time and energy. Here are the most popular ways.
Through net banking
You can make your credit card bill payment via net banking after registering yourself for this service. By linking a credit card to your net banking account, you can pay your credit card bills in just a click every month. In this case, your credit card account becomes a beneficiary in your account. For added security, you can set a maximum cap for the transactions based on your average monthly bills. This ensures that no fraudulent transactions are carried out.
Through mobile banking or via an app
You can also use your bank’s mobile banking app to pay your credit card bill. You just have to install the app on your device and log into the app. Your linked credit card account is protected with high security and hence, you can pay using this mode through your savings or current account without worrying about cyber theft. Conversely, you can also add your issuer’s app to your smartphone and pay via their bill desk directly.
Through the NACH facility
If paying your credit card bill every month is a hassle for you, the best way is to register yourself for the NACH facility. Submit the NACH form to the credit card issuer to link your existing savings or credit account with the credit card and make automated bill payments on a monthly basis.
If you want to pay your credit card bill from an account that you hold with another financial institution, you can do it through NEFT. Just remember that any payments that you make after business hours of the financial institution are credited on the next business day.
Through bill desk
You can go to the issuer’s website and use their bill desk to pay your credit card bill. You just have to fill out the requested details like your name, your credit card number and the bill amount. Next, you will be redirected to the issuer’s net banking portal where you can complete your bill payment. If your transaction is successful, you will receive a confirmation and a transaction reference number, which you should save for future reference.
Offline modes of credit card bill payment
You can also pay your credit card bill offline through the modes listed below.
To pay your credit card bills in cash, visit the nearest issuer’s branch and proceed with the payment procedure. However, when you pay by cash you’ll usually have to pay a processing fee per credit card bill payment to the issuer.
If you want to pay your credit card bill using cheques, visit your nearest issuer’s branch and drop off the cheque with your credit card number and other details on it. You can also drop cheques at your issuer’s drop box at various registered locations.
Cheque payments need 3 working days to be cleared. So, if you are paying your bills by cheque then pay it at least 3-4 ahead of your due date. This will ensure that your payment reflects within the due date so that you avoid a penalty on your next bill.
You can pay your credit card bills via any of the nearest ATMs of the bank where you hold an account. The benefit of using this mode of offline payment is that it is available to you 24/7.
The best credit cards in India, like Bajaj Finserv RBL SuperCard, offer most of these payment facilities keeping your convenience in mind. For example, you can easily pay your SuperCard bill by using the RBL MyCard App. Other than making credit card payments, you can also manage your credit card account, keep a tab on your transactions, and even download the monthly credit card statements using this app.
Moreover, if you use a SuperCard, you can also enjoy other benefits like interest-free cash withdrawal from your credit limit for up to 50 days, interest-free emergency loans from your credit limit for up to 50 days and conversion of purchases above Rs.3,000 into 3 easy EMIs. To enjoy all these benefits, check out the pre-approved offers from Bajaj Finserv to speed up your application and avail instant credit.