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Wednesday, 22 December 2021

Daily Din Vishesh By ICE Academy Rajkot

Useful for All competitive exam

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Thanks to the flexibility of Python and the powerful ecosystem of packages, the Azure CLI supports features such as autocompletion (in shells that support it), persistent credentials, JMESPath result parsing, lazy initialization, network-less unit tests, and more.


Hands-on Project

Every Specialization includes a hands-on project. You’ll need to successfully finish the project(s) to complete the Specialization and earn your certificate. If the Specialization includes a separate course for the hands-on project, you’ll need to finish each of the other courses before you can start it.

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Monday, 20 December 2021

Election Result 2022 Live From results.eci.gov.in 2022

Elections  enable  every  adult  citizen  of  the  country  to  participate  in  the  process  ofgovernment  formation.  You  must  have  observed  that  elections  are  held  in  our  country.  These  include  elections  to  elect  members  of  the  Lok  Sabha,  Rajya  Sabha,State Legislative Assemblies (Vidhan Sabhas) Legislative Councils (Vidhan Parishad) andof, President and Vice-President of India. Elections are also held for local bodies such asmunicipalities, municipal corporations and Panchayati Raj justifications.

Instructors are extraordinary wellsprings of information, success and edification to which anybody can be profited for entire life. They fill in as the genuine light in everybody’s life as they help understudies to make their routes in the life. They are the God skilled individuals throughout everybody’s life who lead us towards progress with no self-centeredness. Truly, we can call them as manufacturers of the stunning eventual fate of our country through training.


Gujarat Sarkari Yojana list and latest updates and ne2ws about new and upcoming social welfare schemes of Gujarat Government Yojana. Complete list of Sarkari Yojana List launched by Gujarat Government earlier at www.techmexo.com

Instructor assumes exceptionally basic job in the field of training who shows understudies pleasantly to be an individual of good and conduct. They make understudies scholastically amazing and consistently urge to improve in the life. They outfit understudies with loads of information, aptitudes and uplifting demeanors so understudies can never feel lost and proceed. They help understudies to get secure with their objectives of instruction through clear vision and thoughts. Without educators in the existence one can’t develop intellectually, socially and mentally.

An educator is a decent individual who assumes significant liability of getting down to business the lives of youthful ones and naive kids. They get extraordinary inclination, pride and genuine happiness in their life by showing their understudies on the correct way. They never do any sort of inclination between fortunate or unfortunate understudies rather they generally attempt to expedite terrible one the correct way through their loads of endeavors. A decent educator is somebody who consumed their entire time on earth in giving quality training to their understudies. They push every one of the understudies to put forth a valiant effort. They make learning process extremely intriguing just as inventive. Educators attempt their best to expedite every one of the understudies the correct track by inspiration them decidedly towards study. Great educators leave great impression over their understudies.



If you have attainedthe age of 18, you must have voted in some of these elections. If not, you will have theopportunity to vote in the next round of elections. These elections are held on the basis ofuniversal adult franchise, which means all Indians of 18 years of age and above have theright to vote, irrespective of their caste, colour, religion, sex or place of birth.

Election is a complex exercise. It involves schedules rules and machinery. This lesson willgive you a clear picture of the voting procedure, as also about filing of nominations, theirscrutiny and the campaigns carried out by the parties and the candidates before actualpolling. In this lesson you will read about the Election Commission, electoral system inIndia and also some suggestions for electoral reforms.Objectives After studying this lesson, you will be able toldescribe the composition of the Election Commission of India enumerate the functions the Election Commission and explain its role recall the procedure of election from the announcement of schedule, to the declarationof the result mention various stages in the electoral process recognise the poll-related officers and describe their functions identify the drawbacks and need for electoral reforms suggest the electoral reforms and those already carried on.


Live News અહીથી જુવો.


In order to conduct free and fair elections in India, Election Commission as an impartialbody has been established by the Constitution itself. It is a three-member body. The mainfunctions of the Election Commission are to delimit the constituencies, recognise the politicalparties, allot the symbols, and appoint officials to conduct and supervise the elections, Theelectoral  process  begins  with  the  issue  of  notification  by  the  President.  The  ElectionCommission releases the schedule for election and, issues model code of conduct to befollowed during elections. The contesting candidates file their nomination papers. Theirpapers are scrutinised by the concerned Returning Officers after which they are eitheraccepted  or  rejected.  The  candidates  can  also  withdraw  their  nominations.  


VIEW RESULT LIVE FROM ELECTION COMMISSION SITE

GOA ELECTION RESULT LIVE

 U.P. ELECTION RESULT LIVE

PUNJAB ELECTION RESULT LIVE

Uttarakhand ELECTION RESULT LIVE

Manipur ELECTION RESULT LIVE

During  theelection campaign, political parties and their candidate release their respective ElectionManifestos. A large number of public meetings, and door-to-door campaign are organised and the electronic media, TV and Radio etc. are used to win the people’s confidence. Onthe polling day the Election Commission ensures that voters cast their votes in free andfair  manner.  The  candidate  who  secures  highest  number  of  votes  in  a  constituency  isdeclared  elected.

Recently Electronic Voting Machine has been introduced, it has replaced the use of ballotpapers and ballot boxes. This change has yielded positive outcomes, as no bogus voting,rigging or booth capturing can happen now, and the counting can be completed in no time.Though Election Commission tries its best to conduct free and fair elections our electoralsystem is faced with the problems like use of money and muscle powers, and other corruptpractices. To avoid all this certain electoral reforms have been introduced from time to time.

They outfit understudies with heaps of information, abilities and inspirational mentalities so understudies can never feel lost and proceed. They help understudies to get secure with their objectives of training through clear vision and thoughts. Without educators in the existence one can’t develop intellectually, socially and mentally.

They push every one of the understudies to give a valiant effort. They make learning process intriguing just as innovative. Educators attempt their best to expedite every one of the understudies the correct track by inspiration them emphatically towards study. Great educators leave great impression over their understudies.

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Friday, 17 December 2021

WOT Mobile Security Protection for Mobile

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Add a password to any app to make sure that nobody has access to it and keep your sensitive apps safe. Read also: Top 10 Credit Cards in india 2022

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- Filter content and receive notifications for dangerous links
- Scan for suspicious apps
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Thursday, 16 December 2021

Health benefits of yogurt

Yogurt is a dairy product made by fermenting milk with a yogurt culture. It provides protein and calcium, and it may enhance healthy gut bacteria.

Health benefits range from protecting against osteoporosis to relieving irritable bowel disease and aiding digestion, but these depend on the type of yogurt consumed.

Added sugar and processing can make some yogurt products unhealthy.

Yogurt starts as fresh milk or cream. It is often first pasteurized, then fermented with various live bacteria cultures, and incubated at a specific temperature to encourage bacteria growth.


The culture ferments the lactose, the natural sugar found in milk. This produces lactic acid, which gives yogurt its distinctive flavor.

Nutrition

There are many types of yogurt that provide varying levels of nutritional benefit.

When is yogurt good for you?

Whether yogurt is a healthful choice depends on the person consuming it and the type of yogurt.

Yogurts can be high in protein, calcium, vitamins, and live culture, or probiotics, which can enhance the gut microbiota.

These can offer protection for bones and teeth and help prevent digestive problems.

Low-fat yogurt can be a useful source of protein on a weight-loss diet.

Probiotics may boost the immune system.

Some argue that they could also impact brain functioning, too, although more research is necessary to confirm some of these claims.

In 2014, researchers found that consuming yogurt may help protect against type 2 diabetes. Other types of dairy product did not appear to impact the likelihood of developing the condition.

Other scientists have suggested that yogurt containing probiotic bacteria successfully protects children and pregnant women against the effects of heavy metal exposure.

It is also a nutritious option when people find it difficult to chew their food.

Non-dairy yogurts offer an alternative for people who do not consume dairy or animal products or have allergies or intolerances.

Yogurt contains less lactose than milk because the lactose is used up in the fermentation process.


When is yogurt bad for you?

Not all yogurts are healthful. Those without added sugar or unnecessary additives can be a healthful addition to the diet, but some products have high quantities of added sugar and other ingredients that may not be beneficial.

Natural yogurt can be a low-calorie, high-nutrient food packed with protein.

However, many manufacturers add sugar, artificial sweeteners, and other ingredients that are not healthful.

All yogurts contain some natural sugars, but consumers are advised to look for a product with less than 15 grams of sugar per serving. The lower the sugar, the better, as long as it does not contain any artificial sweeteners.

Some studies have refuted the view that yogurt consumption is linked to good health, causing authorities to question whether health claims can be made for commercial purposes. However, people who eat yogurt are more likely to have an otherwise healthy diet.

Health benefits of yogurt


Yogurt-flavored products

Packaged products like cereals and bars claiming to be “made with real yogurt,” yogurt-covered raisins and other products with yogurt coating contain only a small amount of yogurt powder.

Yogurt powder is heat-treated, and heat kills the beneficial bacteria. Yogurt coatings are made of sugar, oil, whey, and yogurt powder.

Types

There are different types of yogurt.

Low fat or non-fat

Low-fat, or reduced-fat yogurt, is made with 2-percent milk. Non-fat yogurt is made with zero percent or skim milk.

Kefir

Kefir is a liquid yogurt for drinking. It contains probiotics and is easy to make at home by adding kefir grains to milk and leaving it to stand for 12 to 24 hours.

Greek yogurt

Greek yogurt is thick and creamy. It can withstand heat better than regular yogurt and is often used in Mediterranean-style cooking and dips.

It is made by further straining regular yogurt to remove the liquid whey.

The result is a higher protein content, due to its thicker concentration, but the extra straining leads to a lower calcium content.

Greek yogurt is available in full fat, reduced or low fat and non-fat or zero percent.

Health benefits of yogurt


Skyr

Similar to Greek yogurt, skyr, pronounced “skeer,” is an Icelandic-style yogurt that is dense, creamy and high in protein. Compared to regular yogurt, skyr requires 4 times the amount of milk to make and contains 2 to 3 times more protein.

Frozen yogurt

Frozen yogurts are often seen as a healthful alternative to ice cream.

However, many frozen yogurts contain the same amount of sugar or more as regular ice cream.

Also, according to the National Yogurt Association, not all so-called frozen yogurts contain live and active cultures. Some use heat-treated yogurts, which kills the live and active cultures.

Non-dairy yogurt

Non-dairy yogurt alternatives include soy yogurt and coconut milk yogurt.

Health benefits of yogurt


Benefits

Yogurt can offer a range of important nutrients.

Probiotics

Everything you need to know about yogurt

Medically reviewed by Natalie Butler, R.D., L.D. — Written by Megan Ware, RDN, L.D. on January 11, 2018

  • Nutrition
  • Types
  • Benefits
  • Lactose intolerance
  • Diet

Yogurt is a dairy product made by fermenting milk with a yogurt culture. It provides protein and calcium, and it may enhance healthy gut bacteria.

Health benefits range from protecting against osteoporosis to relieving irritable bowel disease and aiding digestion, but these depend on the type of yogurt consumed.

Added sugar and processing can make some yogurt products unhealthy.

Yogurt starts as fresh milk or cream. It is often first pasteurized, then fermented with various live bacteria cultures, and incubated at a specific temperature to encourage bacteria growth.

The culture ferments the lactose, the natural sugar found in milk. This produces lactic acid, which gives yogurt its distinctive flavor.

Health benefits of yogurt


Nutrition

Yogurt can be a tasty, nutritious addition to any diet. However, there are plenty of different yogurts, and some are more healthful than others.

There are many types of yogurt that provide varying levels of nutritional benefit.

When is yogurt good for you?

Whether yogurt is a healthful choice depends on the person consuming it and the type of yogurt.

Yogurts can be high in protein, calcium, vitamins, and live culture, or probiotics, which can enhance the gut microbiota.

These can offer protection for bones and teeth and help prevent digestive problems.

Low-fat yogurt can be a useful source of protein on a weight-loss diet.

Probiotics may boost the immune system.

Some argue that they could also impact brain functioning, too, although more research is necessary to confirm some of these claims.

In 2014, researchers found that consuming yogurt may help protect against type 2 diabetes. Other types of dairy product did not appear to impact the likelihood of developing the condition.

Other scientists have suggested that yogurt containing probiotic bacteria successfully protects children and pregnant women against the effects of heavy metal exposure.

It is also a nutritious option when people find it difficult to chew their food.

Non-dairy yogurts offer an alternative for people who do not consume dairy or animal products or have allergies or intolerances.

Yogurt contains less lactose than milk because the lactose is used up in the fermentation process.


When is yogurt bad for you?

Not all yogurts are healthful. Those without added sugar or unnecessary additives can be a healthful addition to the diet, but some products have high quantities of added sugar and other ingredients that may not be beneficial.

Natural yogurt can be a low-calorie, high-nutrient food packed with protein.

However, many manufacturers add sugar, artificial sweeteners, and other ingredients that are not healthful.

All yogurts contain some natural sugars, but consumers are advised to look for a product with less than 15 grams of sugar per serving. The lower the sugar, the better, as long as it does not contain any artificial sweeteners.

Some studies have refuted the view that yogurt consumption is linked to good health, causing authorities to question whether health claims can be made for commercial purposes. However, people who eat yogurt are more likely to have an otherwise healthy diet.

Yogurt-flavored products

Packaged products like cereals and bars claiming to be “made with real yogurt,” yogurt-covered raisins and other products with yogurt coating contain only a small amount of yogurt powder.

Yogurt powder is heat-treated, and heat kills the beneficial bacteria. Yogurt coatings are made of sugar, oil, whey, and yogurt powder.

Types

There are different types of yogurt.

Low fat or non-fat

Low-fat, or reduced-fat yogurt, is made with 2-percent milk. Non-fat yogurt is made with zero percent or skim milk.

Kefir

Kefir is a liquid yogurt for drinking. It contains probiotics and is easy to make at home by adding kefir grains to milk and leaving it to stand for 12 to 24 hours.

Greek yogurt

Greek yogurt has a higher protein content than other yogurts, but it contains less calcium.

Greek yogurt is thick and creamy. It can withstand heat better than regular yogurt and is often used in Mediterranean-style cooking and dips.

It is made by further straining regular yogurt to remove the liquid whey.

The result is a higher protein content, due to its thicker concentration, but the extra straining leads to a lower calcium content.

Greek yogurt is available in full fat, reduced or low fat and non-fat or zero percent.

Skyr

Similar to Greek yogurt, skyr, pronounced “skeer,” is an Icelandic-style yogurt that is dense, creamy and high in protein. Compared to regular yogurt, skyr requires 4 times the amount of milk to make and contains 2 to 3 times more protein.

Frozen yogurt

Frozen yogurts are often seen as a healthful alternative to ice cream.

However, many frozen yogurts contain the same amount of sugar or more as regular ice cream.

Also, according to the National Yogurt Association, not all so-called frozen yogurts contain live and active cultures. Some use heat-treated yogurts, which kills the live and active cultures.

Non-dairy yogurt

Non-dairy yogurt alternatives include soy yogurt and coconut milk yogurt.

Benefits

Yogurt can offer a range of important nutrients.

Probiotics

The microorganism Lactobacillus bulgaricus is used to ferment yogurt.

Some yogurts have probiotics added to them.

Probiotics are a type of healthy bacteria that benefit the gut. They help regulate the digestive system and decrease gas, diarrhea, constipation, and bloating.

Some research has suggested that probiotics can boost the immune system, help with weight management, and reduce the risk of cancer.

Consuming yogurt and other probiotic foods may enhance absorption of vitamins and minerals.

The two most common bacteria used to ferment milk into yogurt are Lactobacillus bulgaricus (L. bulgaricus) and Streptococcus thermophiles (S. thermophiles), but many yogurts contain additional bacterial strains.

To help consumers identify yogurts with live and active cultures, the National Yogurt Association has implemented the Life & Active Cultures (LAC) seal, found on the product container.

In most cases, the fresher the product, the more live bacteria it will contain.

A recent study from the University of Toronto points out that different probiotics will have different effects, and some yogurts containing probiotics may be healthier than others.

Calcium

Dairy products are one of the best dietary sources of calcium in terms of bioavailability.

Calcium is essential for the development and maintenance of healthy bones and teeth. It is also important for blood clotting, wound healing, and maintaining normal blood pressure.

Calcium-rich foods are best when paired with a source of vitamin D, as vitamin D helps the small intestine to absorb calcium.

Most yogurts also contain varying amounts of vitamins B6 and B12, riboflavin, potassium, and magnesium.


આ વસ્તુની સાથે કરો દહીંનું સેવન:
1- દહીં અને જીરુ:
જો તમારું વજન વધ્યું છે અને તમે તેને ઓછું કરવા માંગો છો, તો દહીં સાથે મિક્સ કરો જીરું.....જીરુ શેક્યા પછી તેને થોડું પીસી લીધા બાદ તેને દહીંમાં મિક્સ કરી રોજ એક વાટકી ખાઓ. આ કરવાથી તમે વજન ઓછું કરી શકો છો.

2- મધ અને દહીં:
જો તમને મોંઢામાં છાલા પડે છે, તો પછી તમે દહીંમાં એક ચમચી મધ નાંખીને ખાઓ..મધમાંએન્ટી બેક્ટેરિયલ ગુણધર્મો છે, જે છાલાને મટાડવામાં મદદ કરે છે. આ સિવાય તે પેટને ઠંડુ પણ કરે છે.

3- ખાંડ અને દહીં:
જો તમને દહીં અને ખાંડ ખાવાનું પસંદ હોય તો કફની સમસ્યા દૂર થાય છે. આ સાથે, શરીરને ત્વરિત એનર્જા મળે છે.

4- દહીં અને મીઠું:
એસિડિટીની સમસ્યાથી રાહત મેળવવા માટે દહીંમાં મીઠું ભેળવીને ખાવું. તે શરીરમાં એસિડ સ્તરને સંતુલિત કરે છે અને એસિડિટીમાં ફાયદો કરે છે.

5- અજમો અને દહીં:
જો કોઈને દાંત નો દુખાવો થાય છે, તો પછી દહીં અને અજમો ભેળવીને ખાઓ. આ દાંતના દુખાવાને દૂર કરવામાં મદદ કરે છે.

6- મરીયા અને દહીં:
જો તમે કબજિયાતની સમસ્યાથી પરેશાન થાય છે, તો પછી દહીંમાં કાળી મરી મિક્ષ કરીને ખાઓ. કાળી મરીમાં હાજર પાઈપિરિનમાં રહેલા પ્રોબાયોટીક બેક્ટેરિયા કબજિયાતને દૂર કરવામાં અસરકારક છે.

7- સુંદર વાળ માટે:
વાળને સુંદર, મુલાયમ અને આકર્ષક બનાવવા માટે દહીં અથવા છાસ વડે વાળને ધોવાથી ફાયદો મળશે. તેના માટે નહાતા પહેલાં વાળમાં દહીં વડે સારી રીતે માલિશ કરવી જોઇએ. થોડા સમય બાદ ધોવાથી ડેંડરફ દૂર થઇ જાય છે.

8-લૂ નો રામબાણ ઇલાજ:
ગરમીની સિઝનમાં લૂ લાગવી અને શરીરમાં પાણીની માત્રા ઓછી થવી ખૂબ સામાન્ય વાત છે. એટલા માટે ગરમીમાં બહાર જતાં પહેલાં અને આવ્યા પછી એક ગ્લાસ છાછમાં શેકેલા જીરાનો પાવડર અને થોડું મરીનો પાવડર નાખીને પીવો. તેનાથી તમને લૂ લાગશે નહી અને તમારી બોડીની હીટ ઓછી થશે. 

Lactose intolerance

Yogurt has a low lactose content, so a person with a lactose intolerance will likely find it more tolerable than milk. It also contains bacteria that aid digestion.

As a result, people who experience discomfort, bloating or gas after consuming liquid milk or ice cream can often tolerate yogurt without symptoms.

The individual should try a small amount of yogurt, say, a quarter of a cup, to see how their body reacts. This only applies to lactose intolerance, not to those with a milk allergy.

People with a lactose intolerance often lack calcium, so yogurt can be an important component of their diet.

A person with a milk allergy will not benefit from consuming yogurt.

Diet

Here are some tips for incorporating more yogurt into a healthful, nutritious diet.

Start with plain, unsweetened yogurt and sweeten it yourself with fruit, unsweetened applesauce or a small amount of pure maple syrup or honey.

Avoid pre-made fruit and yogurt desserts, as these often contain unnecessary added sugars.

When baking, use yogurt instead of butter or oil.

Use plain Greek yogurt instead of sour cream to top baked potatoes or tacos.

A healthful yogurt should have more grams of protein per serving than sugar.

The range of yogurt options can be confusing. Most of the products available have not been studied, and scientists do not yet know which probiotics do what in the human body. The best option is to choose yogurt that is low in sugar and additives.

If choosing yogurt for health reasons, experts suggest choosing those that have been scientifically researched.

Scientists have called for more rigorous research and policies regarding the healthfulness and the sale of yogurt, to help populations maximize the benefit they can derive from this potentially very important food.

Read More »

Wednesday, 15 December 2021

Top 10 Credit Cards in India 2022

When it comes to credit cards, every individual has a different purpose and to fulfil that, you need to choose a card that suits you the most. There are credit cards best to pay your bills, others for a nice bargain on a shopping website. With the right choice, you can save money on your transactions.


To help you find the best card for your requirements, we have put together a list of the top 10 best credit cards in India.


Axis Bank ACE Credit Card



Joining Fee

  • INR 499+ 18% GST,

  • no annual fee if you spend INR 10,000 within 45 days of card issuance.


Annual Fee

  • INR 499+ 18% GST,
  • annual fee waived on an annual spend of more than INR 2,00,000.


Welcome Benefit

  • INR 500 cashback

  • on spending INR 10,000 in the first 90 days.


Why We Picked It

This card gives a 5% cash back on the payment of bills through Google Pay and the best part is that there is no upper limit or lower limit to it.


You also get a scratch card while using Google Pay where you can win some extra cash. There is a 4% cash back again without any caps on Ola, Zomato, Swiggy, and 2% cash back on any other payment that you make with this card.


The credit card annual fee is quite low in comparison to the facilities it is providing. The only card similar to this one is the Standard Chartered Super Value Card, which is a little more expensive and at the same time has a double sided cap to it. So, in our opinion Ace gives you more than the value for your money.

Pros & Cons

  • 5% cashback on bill payments like, electricity, gas, DTH, mobile recharges, etc. There is no upper limit on cashbacks.
  • 20% off in partner restaurants.
  • Free lounge visits.
  • No fuel surcharge.

  • You will have to spend INR 10,000 in the first 90 days to get a welcome cash back.
  • Interest rate on EMIs differ from case to case.


Other Features

Cash Back:


  • 5% cashback on bill payments like, electricity, gas, DTH, mobile recharges etc.
  • 4% on online food and mobility aggregators including Swiggy, Zomato and Ola.
  • 2% on other expenses.
  • No upper limit on cash back.


Lounge Visits:


Four complimentary domestic airport lounge visits at select domestic airports in a year.


Fuel Surcharge:


Fuel surcharge is a card transaction charge on fuel purchases; this surcharge is passed on to the customer and not to the fuel station as the latter gets 100% of the price.


1% fuel surcharge waiver for all petrol stations across India.

Transactions should be between INR 400 to INR 4,000.

To the maximum benefit of INR 500.

Goods and Services Tax (GST) charges on fuel are not refunded.

No cash back earned on fuel transactions.

Converting the purchase to EMIs:


Transactions of more than INR 2500 can be converted to EMIs.


EMIs are calculated at an interest rate of 1.0% or 1.08% or 1.25% or 1.5% or 2% (based on the offer) per month on monthly-reducing balance.


Dining Offers:


20% off in more than 4,000 partner restaurants across the country.


Eligibility:


Age between 18 to 70 and proof of income.


Flipkart Axis Bank Credit Card


Joining Fee

  • INR 500 + 18% GST


Annual Fee

  • INR 500 + 18% GST


(No annual fee on spending INR 200,000 in a year)


Welcome Benefits

INR 500 worth Flipkart vouchers and 15% cashback up to INR 500 on Myntra


on your first transaction using the card.



Why We Picked It

This card has a high number of welcome benefits and you can realize your fee for the card just by those welcome benefits. This card is not very different from Axis Bank’s ACE Card except in the number of welcome benefits. A 20% discount on dining is also great. The most appealing part is unlimited cash back.


Pros & Cons

  • Interesting welcome benefits are available.
  • 20% discount on food from partner restaurants.
  • Fuel surcharge charges waiver available.
  • Four airport lounge visits in one calendar year in India.
  • The remission amount on annual fees is a little high.
  • 1.5% cash back on other than their partners is low.
  • You may find some of the welcome benefits to be irrelevant.

Other Features

  • Get 15 months Gaana plus at a discounted price of INR 399.
  • 20% off up to INR 500 on The Phy Life.
  • 20% off up to INR 500 on Plum Goodness.
  • Cash Back:


  • 5% cash back on Flipkart 2GUD (Flipkart’s local feature that brings popular offline retailers and shopping malls online for its customers in India) and Myntra.
  • 4% cashback on preferred merchants including PVR, Swiggy, Uber, cure.fit.
  • 1.5% cash back on all other categories.

Lounge Visit:


Four visits in one calendar year in India. Some of the lounges include Delhi Delhi Plaza Premium Domestic T1D, T2, T3, Delhi Plaza Premium International, Karnataka Bangalore TFS Domestic and International, Maharashtra Mumbai MALS Domestic and Maharashtra Pune Bird Domestic.


Fuel Charges Waiver:


1% waiver on all petrol pumps in India between INR 400 and INR 4,000, to the maximum of INR 500 only.


Dinning:


20% discount on food from partner restaurants.


Convert Purchase to EMI:


Transactions of more than INR 2500 can be converted to EMIs.


Eligibility:


Age between 18 to 70 and proof of income.


SimplyCLICK SBI Credit Card



Joining Fee

INR 499

+taxes


Annual Fee

INR 499

+taxes (this fee nullifies on a spend of INR 10,0000)


Welcome Benefit

Get Amazon.in gift card

worth INR 500 on joining.



Why We Picked It

Card covers more or less all the prominent shopping sites and Reward Points on shopping are also good. Utility bills can be registered once and ensure timely bill payments there after.


No hidden charges or complexities can be considered good for beginners.


Pros & Cons

  • On shopping online from its partners it provides you points worth INR 2.50 on spending INR 100.
  • On any kind of shopping online you can get pay back points worth INR 1.50 on a spend of INR 100.
  • You get an Amazon voucher worth INR 500 on joining, which covers the fee.
  • You can transfer outstanding balances from other cards and pay a cheaper rate of interest.
  • PAYBACK is not concentrated on offline shopping as one gets payback points worth 0.25 paisa.
  • e-wallet loading transactions done on any partner brand website or app identified under MCCs 6540 and 6541 (on best effort basis) will not accrue Reward Points.
  • Utility bill payments done using SimplyCLICK SBI Card on SBI Card website or mobile app will not accrue 5X Reward Points (only one Reward Point).
  • The card is not available for use in all cities of India. You will have to check with the bank if the services of this card are available in your city or town.

Other Features

Reward Points and Redemption of Reward Points:


  • 10X Reward Points on online spends with exclusive online partners including Amazon, Apollo 24X7, BookMyShow, Cleartrip, Dineout, Lenskart, Netmeds.
  • 5X rewards on all other online spends. Earn 1 reward point per INR 100 on all other spends (1 Reward Point is equivalent to INR 25 paise).

Check the terms and conditions like the following are applicable:

A) 10X Reward Points are applicable only when payment is done in INR (Indian Rupee) using SimplyCLICK SBI Card.


B) e-Wallet loading transactions done using SimplyCLICK SBI Card on any partner brand website/app identified under MCCs 6540 and 6541 (on best effort basis) will not accrue Reward Points.


C) Utility Bill Payments done using SimplyCLICK SBI Card on SBI Card website/ mobile app will not accrue 5X Reward Points.


D) Redeem your Reward Points against e-Gift Vouchers from the SimplyCLICK Partners.


Add-on Card:


This facility is also available for family members.


Fuel Surcharge:


1% fuel surcharge waiver on transactions between 500 and 3,000; up to 100 per statement cycle.


Extra Points:


E-voucher of INR 2,000 on annual online spends of INR 1 lakh.


Converting the Purchase to EMIs:


Flexipay as SBI calls it is available for a purchase of INR 2,500 or more.


Easy Money:


One can get a draft or cheque according to their credit limit at the time of need (interest of 2.45%+1.5% or INR 199 , whichever is higher will be charged).


Add-on Card:


Add-on cards for your parents, spouse, children or siblings above the age of 18.


Eligibility:


The age of the person applying should be between 18-60 years. For a salaried person the income should be INR 20,000 per month and for self-employed it is INR 30,000 per month.


811 #DreamDifferent Credit Card



Joining Fee

Nil


Annual Fee

Nil


Welcome Benefit

500 bonus reward points on spending INR 5,000

in the first 45 days of card issuance.


Why We Picked It

This card is completely free. There is a cover of INR 50,000 on any misdeeds done on the theft of the card and a railway surcharge waiver. There is an interest-free cash withdrawal which makes it really unique.


Pros & Cons

  • Nil joining and annual fee.
  • 90% of the amount of your credit limit can be withdrawn by a processing fee of INR 300 per INR 10,000.
  • INR 10,000 without any interest for 48 days.
  • You get a cover of INR 50,000 against fraudulent usage.
  • Surcharge waiver fuel and railway tickets.
  • Redeeming the Reward Points is a bit complex.

Other Features

  • Interest Free Cash Withdrawal:

  • 90% of the amount of your credit limit can be withdrawn by a processing fee of INR 300 per INR 10,000 without any interest for 48 days.


Cover on Theft:


In case the credit card gets stolen, you get a cover of INR 50,000 against fraudulent usage up to seven days pre-reporting.


Fuel Surcharge Waiver:


1% across all petrol pumps for transactions between INR 500 and INR 3000 to the maximum amount of INR 3,500 a year.


Railway Surcharge Waiver:


1.8% for transactions on the Indian railways website (irctc.co.in) and 2.5% Indian railway booking counters to the maximum of INR 500 per year.


Balance Transfer:


Processing fee of INR 349 per INR 10,000 and a continued interest-free period on fresh retail purchases.


Add-on Card:


Add-on cards also get the same benefits. Spending limit can be set by the primary user.


Eligibility:


Age between 18 years to 75 years. The user should have a minimum-term deposit (fixed deposit) of INR 10,000 and should be a resident of India.


American Express SmartEarn™ Credit Card



Joining Fee

Nil


Annual Fee

INR 495

+18% GST, nil annual fee on spending INR 40,000 and above in the previous year.


Welcome Benefit

A cashback of INR 500 on spending INR 10,000

within 90 days of its issuance.



Why We Picked It

This is the cheapest Amex card and the features are more or less the same as the other good cards that we have covered in this range. The most appealing factor is this card has a zero lost card liability.


Pros & Cons

  • Zero lost card liability.
  • There is a yearly interest of 14% per annum if you convert your purchase to EMIs.
  • Emergency card replacement.
  • Overall Reward Point percentage is good.
  • Just one reward point on fuel, insurance, utilities, cash transactions and EMI conversion at point of sale.

Other Features

Reward Points:


  • 10X membership rewards
  • Transact on Flipkart, Amazon and Uber and get 10X rewards for every INR 50 spent.
  • 5X membership rewards
  • On Paytm Wallet, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar and get 5X rewards for every INR 50 spent.
  • 1 membership Reward Points for every INR 50 spent except for spends on fuel, insurance, utilities, cash transactions and EMIs’ conversion at point of sale.

Other Benefits:


  • Zero lost card liability: Liability is nil if it is reported within three working days to the company. If the fraud is reported beyond three working days, the maximum liability of the customer will be limited to INR 1,000.
  • Emergency card replacement.
  • Amazon vouchers worth INR 500 upon reaching the spend milestones of INR 1.20 lakh, INR 1.80 lakh, and INR 2.40 lakh in a card membership year.
  • You can convert your purchase into EMIs at an interest rate of 14% per annum and zero foreclosure charges.

Eligibility:


Individuals with personal annual income of INR 4.5 lakh and above or self-employed with a personal annual income of INR 6 lakh and above can apply for it.


It is currently issued to residents of Delhi and NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum and Mysore, subject to condition.


ICICI Platinum Credit Card



Joining Fee

Nil


Annual Fee

Nil


Welcome Benefit

None


Why We Picked It

The card is free for lifetime and covers more or less all daily shopping needs. Makes for a good everyday use card.


The long list of periodic offers with its partners like EaseMyTrip, Croma, Tata Cliq, Samsung, Flipkart, Grofers, etc, make it really unique.


Pros & Cons

  • No annual fee or joining fee.
  • A lot of special online offers are available for its users.
  • Fuel surcharge waiver is only available at HPCL pumps.
  • 1 PAYBACK point on every INR 100 spent on utilities and insurance categories is a bit low.

Other Features

Reward Points:


  • PAYBACK is a multi-brand reward program. It has partnered with some of the prominent brands in India.

  • Earn 2 PAYBACK points on every INR 100 spent for all retail purchases except fuel.
  • Your points are redeemable for attractive products through PAYBACK, a multi-partner coalition loyalty program.
  • Get 1 PAYBACK point on every INR 100 spent on utilities and insurance categories.

Fuel Surcharge Waiver:


1% fuel surcharge waiver can be availed on fuel transactions of maximum INR 4,000 at HPCL pumps when your credit card is swiped on ICICI merchant services’ swipe machines.


Eligibility:


You need a valid fixed deposit with ICICI Bank; the minimum deposit amount should be a minimum of INR 20,000 for the time period of 180 days or more.


HDFC Infinia Credit Card



Joining Fee

INR 10,000

+18% GST


Annual Fee

INR 10,000

+18% GST


Welcome Benefit

10,000 reward points and renewal benefit of 10,000 reward points

(applicable only after the membership fee is realized and not applicable when the fee is waived off)


Why We Picked It

The fee is on the higher side as this is a premium card, but the facilities it provides can be considered to be worthy of cost and other cards providing such facilities are far more expensive.


Emergency hospitalization cover is INR 50 lakh, which is unthinkable at this small price. Air accidental cover is INR 3 cr which is again very good. Unlimited golf privileges are another appealing factor. There’s unlimited lounge access across the globe for frequent travellers.


The downside is that the membership is by invite-only; there is no way that HDFC can make it a popular card like its other popular cards.


Pros & Cons

  • Insurance coverage of INR 50 lakh in case of emergency hospitalization overseas.
  • Credit shield cover for up to INR 9 lakh.
  • Unlimited complimentary golf games at leading courses across India and select courses across the world.
  • Unlimited airport lounge access across the globe for primary and add-on members.
  • Lowest markup fee of 2% on all foreign currency transactions.
  • Renewal benefit of 10,000 reward points will not be given if the fee is waived off.
  • Membership is by invite-only.
  • Membership fee is a bit steep.

Other Features

Complimentary Club Marriott membership for the first year.


Airport Lounge:


Unlimited airport lounge access across the globe for primary and add-on members.


Reward Points:


Complimentary Club Marriott membership for a year that offers up to 20% discounts for dining and stay across Asia–Pacific region.


Get a welcome benefit of 10,000 reward points upon fee realization.

Insurance:


  • Accidental air death cover worth INR 3 crore.
  • Emergency overseas hospitalization up to INR 50 lakh in case of emergency.
  • Credit shield cover for up to INR 9 lakh.

Reward Points Accrual:


  • ​​​​​Earn 5 Reward Points on every INR 150, on all retail spends including insurance, utilities, education and rent payments.
  • Earn up to 10 times Reward Points on your travel and shopping spends on Smartbuy.
  • Earn 2 times Reward Points on your dining spends at standalone restaurants.

Reward Points​​​​​​​ Redemption:


You can redeem your Reward Points on Smartbuy or Netbanking.


Reward Points can be redeemed for:


  • Flight and hotel bookings via Smartbuy at a value of 1 RP = INR 1
  • Airmiles conversion through Netbanking at a value of 1RP = 1 air mile
  • Products and vouchers via Netbanking or SmartBuy at a value of 1 RP = up to INR 0.50
  • Cash back at a value of 1 RP = INR 0.30

Additional Features:


  • Golf Privileges: Unlimited complimentary golf games at leading courses across India and select courses across the world. Unlimited complimentary golf coaching at select golf courses across India.
  • Foreign Currency Markup: Lowest markup fee of 2% on all foreign currency transactions.
  • Zero Lost Card liability: In the unfortunate event of losing your HDFC Bank Infinia Credit Card, and reporting it immediately to the company’s 24-hour call center, you have zero liability on any fraudulent transactions made on your credit card.
  • Concierge: 24X7 global personal concierge. You can customize your travel, entertainment, and business experiences with global concierge assistance.

Some of the services provided by the concierge include:


  • Golf booking
  • Itinerary planning and reservation assistance
  • Private dining assistance
  • International gift delivery
  • Event planning and referrals
  • Airport VIP service (meet-and-greet)

Eligibility:


Membership for this card is by invite-only


HDFC Regalia Credit Card



Joining Fee

INR 2,500

+18% GST


Annual Fee

INR 2,500

+ 18% GST; This fee is waived off if you spend more than INR 3 lakh in the first year of taking the card and renew it once again the next year.


Welcome Benefit

2500 reward points

and you get the same every time you pay the annual membership. This benefit will not be given to you if the annual fee is waved off.


Why We Picked It

The annual fee is a little expensive but you get 2500 reward points on paying the annual fee. Every reward point is equal to 50 paise so you are able to get half of the fee back as reward points.


One important aspect is the insurance cover, which is INR 1 cr in case of an accidental death in an aircraft crash if this credit card was used in booking the tickets and a cover of INR 15 lakh in case you are hospitalized while abroad. This makes for a good deal.


Pros & Cons

  • Insurance cover for emergency overseas hospitalization up to INR 15 lakh
  • Insurance on Lost card liability cover up to INR 9 lakh
  • Dineout Passport MembershipLounge Visits and 12 complimentary airport lounge accesses within India and six outside.
  • Foreign Currency Markup is just 2%
  • Higher net income requirement
  • 2500 reward points that one gets on paying the annual membership is not given if the annual fee is waved off.
  • The Dineout Passport facility may or may not be available in the cardholder’s city.

Other Features

Dining Benefits:


Exclusive complimentary Dineout Passport Membership.


Lounge Visits:


12 complimentary airport lounge accesses within India and six outside.


Some of the airports where this facility is available include:


  • New Delhi Plaza Premium (w.e.f 1 Jul’18) International Departures (T3) Level 4, Terminal 3, Lounges B, International Departures, Indira Gandhi International Airport, New Delhi
  • New Delhi Plaza Premium Lounge Domestic Departures (T3) Mezzanine Level, Terminal 3, Domestic Departures, Indira Gandhi International Airport, New Delhi.
  • Mumbai Clipper Lounge International Departures (T2) International Departures T2, Mumbai
  • Mumbai Mumbai Airport Lounge (MALS) Domestic Departures (T2) Opp Gate no 44 and 45, after Security Check straight left from Starbucks, Domestic Departures, T2, Mumbai.

Bonus Points on Purchase:


  • 10,000 reward points on an expenditure of INR 5 lakh and additional 5,000 reward points on INR 8 lakh of expenditure in an anniversary year.
  • Earn 4 reward points on every INR 150 spent (these spends should be on retail).

Additional Features:


  • Zero Cost Liability: In case you lose your Regalia Credit Card and you report it immediately to the company’s 24-hour call centre, you have zero liability on any fraudulent transactions made on your credit card.
  • Foreign Currency Markup: It is a charge by the credit card company when you make payments in a foreign currency using your card. This markup is 2%, which is comparatively low compared with other cards’ markup, which can be as high as 3.5% + GST
  • Revolving Credit : It is available but the interest rate may differ from case to case.
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations across India on minimum transaction of INR 400 and maximum transaction of INR 5,000.

Insurance:


  • Accidental air death cover: INR 1 crore
  • Emergency overseas hospitalization: up to INR 15 lakh
  • Lost card liability cover: Up to INR 9 lakh

Reward Points Accrual:


  • Earn 4 reward points on every INR 150 spent on all retail spends including insurance, utilities, education and rent payments.
  • Earn 10,000 reward points on annual spends of INR 5 lakh.
  • Earn additional 5,000 reward points on annual spends of INR 8 lakh.

Reward Point Redemption:


  • You can redeem your reward points on Smartbuy or Netbankg.
  • Flights and hotel bookings via Smartbuy at a value of 1 RP = INR 0.5
  • Airmiles conversion through Netbanking at a value of 1RP = 0.5
  • Air miles: These are reward points issued by credit cards on the purchase of various things which eventually can be used to buy airline tickets from affiliated airlines or any airline depending on the offer.


SmartBuy: It is a platform which displays offers of various products from different companies in partnership with HDFC Bank for HDFC customers.


Netbanking: It refers to online banking, which is an electronic payment system. Used to transferring funds to another bank account or checking the transaction statements, making payments etc.


Products and vouchers via Netbanking or SmartBuy at a value of 1 RP = up to INR 0.35

Eligibility:


For Salaried Indian national: Age between 21 years and 60 years, and a net monthly income of INR 70,000


For Self Employed Indian national: Age between 21 years and max 65 years, and a net income of INR 8.4 lakh per annum


IndianOil Citi Credit Card



Joining Fee

INR 1000

+18% GST


Annual Fee

INR 1000

+18% GST waived off on spends of INR 30,000 or more.


Welcome Benefit

Get 250 Turbo Points

on your first spend within 30 days of card issuance.


Why We Picked It

This card is the best card for your fuel needs and covers multiple shopping needs as well, but it can only be used at Indian Oil petrol pumps. This card is only available for a selected few districts, hence you will have to check if it is available in your area or not.


Pros & Cons

  • Though the card is focused on fuel, it gives points on purchase of groceries and shopping in supermarkets.
  • There is no expiry date for these points.
  • Nil annual fee on spending INR 30,000 or more.
  • No points are granted on purchase of oil from other dealers than Indian Oil.

Other Features

Rewards Points:


Oil: 4 turbo points per INR 150 spent and 1% fuel surcharge reversal on fuel purchase only on Indian Oil authorized dealers. Some of the authorized outlets to get discounts on fuel purchases are more or less available in every city.


Groceries and Supermarkets: 2 turbo points on spending INR 150.


Others: 1 turbo point per INR 150 on all other spends.


Redeem Points:


  • Redeem instantly 1 turbo point = INR 1 of free fuel.
  • Redeem your turbo points via SMS or Citibank online.
  • Evergreen Turbo Points:


Redeem whenever or keep on collecting – it’s a choice for the user as these turbo points never expire.


Eligibility:


The person should have a minimum income of INR 25,000.


RBL Bank ShopRite Credit Card



Joining Fee

Nil


Annual Fee

INR 500

+18% GST


Welcome Benefit

2,000 Reward Points


You will have to make a purchase within 30 days of card issuance to redeem your gifts.


Why We Picked It

The good part is that the Reward Points can be used for mobile recharges. 10% discount on movies is also great. There is a cap on the Reward Points but even then it’s a good deal as you get Reward Points on fuel purchase from any company of your choice, making it a unique feature.


Pros & Cons

  • Fuel surcharge waiver available.
  • Reward Points available on the purchase of fuel.
  • Reward Points system could look complex.
  • You can only have a maximum of 1,000 reward points in a month, unlike other cards.

Other Features

Rewards on All Purchases:


There is 1 Reward Point for every INR 100 spent on all your purchases except fuel.


Reward Points on Grocery Spends:


20 reward points for spending INR 100 when you use your card for grocery shopping. You can earn a maximum of 1,000 reward points in a month.


10% Discount on Movies:


10% discount (up to INR 100) on movie tickets booked from BookMyShow 15 times in a year.


You can avail the offer by selecting RBL Bank 10% offer under credit card offers and discounts post movie selection on BookMyShow.


Reward Points on Fuel:


10 Reward Points for every INR 100 when you use your card for fuel; maximum 1000 reward points in a month.


Fuel Surcharge Waiver:


No surcharge between INR 500 and INR 4,000. Maximum waiver of INR 100 per month.


Eligibility:


Age 21 to 70, must have a regular source of income and should have a minimum credit score of 750.


Methodology

We analyzed up to 80 cards from top financial services companies in India on the basis of key factors such as:


Hidden Charges and Transparency: Companies that have no hidden charges and are most transparent to its customers have been evaluated.

Value for Money: Companies that provide maximum benefits have been ranked.

Ease of Access: Companies that have made their credit cards’ access convenient have been considered.

Rating:

Cash back: Half a star to credit cards providing cash backs and half a star where the system of credit is easy for the consumer to understand.

Annual Fee and joining fee: Half a star to credit cards without any annual fee and half for no joining fee. Any credit card without any annual fee and joining fee will get a full star, but a joining fee of INR 500 has been considered equivalent to no annual fee.

Availability for all income groups: Half a star if the services of the credit card are available for all income groups, and another half if services extend to multiple geographies and not just major cities.

Value for welcome gifts: Half a star for welcome gifts and half a star for easy usage of those gifts. Here if the intrinsic value of the usable gift at least covers the annual fee, the credit card will get a full star.

Additional benefits: Half a star to credit cards providing additional benefits and half to the credit cards in which these additional benefits are more user-friendly. For example, if a card offers a fee waiver to a user who will spend INR 3 lakh in one year, it is unlikely all cardholders may want to spend that much in one year. This makes the feature redundant for certain cardholders.

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