Information regarding credit cards

Contra Mutual Funds

Contra Mutual Funds
Contra Mutual Funds are the contrarian style of investing, this kind of investment option offers superlative returns, but this comes with high risks. This mutual fund invests against the existing market performance and the stocks. The fund manager purchases the stocks that are at the lower value and holds it for the long-term or up to when the demand increases.
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The contra funds are the long-term kind of funds and not short-term investment options they profit you higher returns in the long term. Investors who want to invest in Contra funds should have patience as these funds invest in underperforming stocks, so one must wait till it grows or starts performing well, so the investor has to wait for long to earn higher returns. This investment option comes with multiple features like patience, risk tolerance, time, etc.
What are the Contra Mutual Funds?
These are the Mutual Funds that invest in underperforming companies and wait for the best time allowing the stocks to give best performance. As they have a great scope of massive potential growth.
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What is a loan on a Credit Card, and how does it work?

A Credit Card is the common mode of payment these days. Right from groceries, lifestyle to gadget shopping, you can use it to buy anything. However, if you need urgent cash, then you can use your Credit Card to apply for a loan. Read further, to know more about a loan on a Credit Card, and how it works.
Often, you may find yourself in a situation where you are unable to meet your financial obligations. Although it is easy to apply for a personal loan, a pre-approved loan against a Credit Card facility will give you instant access to funds, thus saving your time. Let’s get to know about a loan on a Credit Card, and how it works.
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How does the Loan on a Credit Card work?
The most significant advantage of a Loan on a Credit Card is that you get access to emergency funds that you can use to pay school fees, EMIs, vacations, among others. The disbursement is instant. As an existing Credit Card customer with your preferred bank, you can avail of a Personal Loan amount of up to Rs 20 lakh, at attractive interest rates. What’s more, the documentation is minimal, and you have the flexibility to repay the loan amount in 60 months. ICICI Bank offers attractive and competitive interest rates for a Loan on Credit Card.
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Creating a budget

What is the budget?
A budget is a plan that tells you how to spend the money over a particular period. Basically, having a budget is to decide the amount of money spent each month. This will help you to control your spending and track the amount of money you can save every month. Without a budget, you will overspend and may run out of money before your next month's pay.
In general budget = Total Income per month - Total Money spent per month
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Why do I need a Budget?
It helps you decide how much to spend on a particular item and the remaining can be saved. The budget helps you avoid spending money on unnecessary things and save the rest of the money.
Why should you save money?
Money is always needed anytime, anywhere for every one of us. You never know when unexpected things may happen, when you need money at that time the money you have saved will help you. Always saving money will give you peace of mind and you can plan your future. So it is necessary to save money.
How to start a budget?
Know your income
Gather all your bills and pay stubs
Note all your expenses
Now subtract total expenses you have spent from your income
If your money balance is "ZERO" you are spending more money than your income.
Check for the things (Unnecessary) try to trim those or spend less on those.
Now make a budget worksheet for further use to keep your budget on track.
How to use a budget?
A budget is a plan that how you spend money every month
Track where you spend your money
Check where you can save money
Now from the budget plan where to spend and where to save money.
The money you have saved from your budget will help you during emergencies or buy expensive things, and for other dreams to fulfill. We know money is a solution to money problems, hence we try to save money, so the budget is the main thing to begin, to save money for the future.
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ICICI Bank Coral Credit Card

ICICI Coral Credit Card is offered by the premium banking institution which is packed with number of benefits. It is one of the flagship products that offers advantages like free movie tickets, discounts on dining, exceptional reward benefits, complimentary access at the airport and at the Railway lounges, fuel surcharge waiver, etc.
Features and Benefits of the ICICI Coral Credit Card:
Free Movie Tickets -
The card holders can avail 2 free movie tickets every month by booking through BookMyShow or INOX. Discount is offered up to Rs 250/- per ticket if the price above this the cardholder must do the additional payments.
Complimentary Domestic Railway Lounge Access -
The cardholder gets the opportunity to get the access to the domestic railway lounges at free of cost at every quarter. This feature is not available with many other cards.
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Complimentary Domestic Airport Lounge Access -
Get 1 free complimentary ticket for free lounge access at the domestic airports every quarter.
ICICI Bank Culinary Treat Program -
This feature is offered by the bank to the cardholder, under this the cardholder gets the opportunity to dine across more than 2,500 restaurants in India. Also offers 15% discount at the restaurant bills.
Fuel Surcharge Waiver -
At all HPCL filling stations the Coral Credit Cardholder gets 1% fuel surcharge waiver.
Reward Points -
The coral credit card offers rewards to the cardholder in the form of PAYBACK Program, the reward points are offered when the payments are done also from the merchant the reward points are offered. The redemption is done in the form of cash that is added to the cardholders account directly.

ICICI Ferrari Platinum Credit Card

ICICI Ferrari Platinum Credit Card is a co-branded credit card offering huge benefits. This credit card offers Ferrari Merchandise benefits along with travel, dining, movies benefits. But there are many other alternative credit cards available in the market that offers much more rewards, as this card is dominantly a good option for Ferrari lovers than the other category people. This review will help you analyze to decide to go with the ICICI Ferrari Platinum Credit Card or not.
Benefits and Features of the ICICI Ferrari Platinum Credit Card:
Ferrari Edge -
Get up to 20% discount on the Ferrari Merchandise at the Ferrari Store in Maranello, Italy
Get the 15% discount on entry tickets to Abu Dhabi (Purchased at the Park Counter)
Travel Privileges-
Per quarter get 1 complimentary domestic airport lounge access.
Entertainment Benefits-
Buy 1 and Get 1 ticket free on BookMyShow every month.
On INOX Cinemas get 1 free ticket on purchasing 1 ticket
Dining Privileges -
Get up to 15% discount on dining at more than 2,500 restaurants across India.
Other Benefits -
Get a 1% fuel surcharge waiver at the HPCL petrol pumps.
Get VISA platinum offers.
Get special Mastercard offers.
Reward Program -
Get 2 Payback points on every Rs 100 spent except fuel. Each point is equal to 0.5%
On utility bill payments and on Insurance payments get 1 Payback point on every Rs 100 spent, equivalent to 0.25%
Charges and Fees of the ICICI Ferrari Platinum Credit Card:
Joining Fee - Rs 499
Fee on second year onwards - Rs 499
Card Replacement Charges - Rs 100
Cash withdrawal fee - Rs 300 on the amount
Foreign currency Markup - 3.50%
Late Payment Fee -
For Rs 100 to Rs 500; Rs 100 is charged.
For Rs 500 to Rs 10,000; Rs 500 is charged.
For amounts above Rs 10,000; Rs 750 is charged.
Bottom Line:
The ICICI Ferrari Platinum Credit Card is especially for those who are Ferrari lovers. If you are not a Ferrari lover, then this card is not the right option for you, as there are many other credit cards available in the market offering great benefits. Review the credit cards and select the best card for you.
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