Smart Ways to Get the Maximum Benefits from your Credit Card
When 33-year old Shiven met his school friend Kabir over dinner on a Friday night, the mood was nothing less than celebratory. Like everything else, the pandemic had upset their ritual of meeting up at least once in two months. So, here they were catching up with each other after more than two years, recounting the many moments of lockdown horror and hilarity.
After the initial laughter and jokes died down, Shiven grew serious – he was beleaguered by problems. A massive pay cut in his corporate job had hit him hard, forcing him to put off his plans of becoming an independent photographer. Shiven had planned to travel to mountain and sea destinations across Asia in 2020 to hone his photographic skills before taking the plunge. But, Kabir was the very picture of cheer. He’d already gone on four vacations and was planning the fifth – the first international trip since Covid – this year. Shopping, movie, and restaurant outings were not unusual weekend activities. Although Shiven knew that Kabir had worked to expand his family-run leather business and was the more spendthrift and carefree of the two, that wasn’t it. So, what was Kabir doing?
Club Vistara IndusInd Bank Explorer Credit Card – Wealth of Benefits
Kabir was using his Club Vistara IndusInd Bank Explorer credit card smartly to reap its benefits. :
ü As a cardholder, Kabir enjoyed special privileges of Complimentary Club Vistara Gold membership, which included priority check-in, priority boarding, additional baggage allowance and priority baggage handling
ü As a welcome gift, he received a complimentary Vistara Business Class Ticket voucher and gift vouchers worth INR 25,000 from IndusInd Bank. The voucher entitled him with waiver of the base fare component on a one-way ticket for domestic travel on Vistara Airlines.
ü Kabir made it a point to reach a spend milestone of at least INR 3 lakhs because doing so meant getting rewarded with a complimentary Vistara Business Class ticket voucher. He could earn up to 5 complimentary Business Class ticket vouchers in a year!
ü Kabir also had travel benefits such as access to international and domestic lounges, and travel insurance coverage for loss of baggage and passport. He also had free personal air accident insurance coverage of up to 2.5 Cr.
ü Kabir always went through BookMyShow to make movie bookings using his Club Vistara IndusInd Bank Explorer Credit Card. That way, he could avail 20% discount every time he made a movie booking! Besides, he was getting a free ticket with every ticket he purchased, earning up to 2 free tickets in a month!
In addition to all the above, Kabir was enjoying a bouquet of lifestyle benefits such as complimentary concierge service, and an Auto Assist facility which offered perks like roadside repair service, emergency fuel supply, and accident management service on a road trip.
The Usual Credit Card Baggage?
All this sounded terrific to Shiven but cautious as he was, there were several niggling doubts in his head. Wasn’t a credit card a rather expensive asset? The perks of a credit card were invariably outweighed by its cons such as late payment fees, charges for exceeding the credit limit, exorbitant cash withdrawal and what have you…
Just then, Kabir dropped another surprise: the Club Vistara IndusInd Bank Explorer Credit Card came without these charges. Yes! There were no late payment fees or over-limit charges to be paid; what’s more, the cash advancement facility was free of cost. Additionally, there was zero foreign currency markup on purchases abroad.
Shiven wondered if all that he was hearing was even real. There must be at least one catch. It must have a tediously lengthy application procedure! But Kabir’s grin and dismissive shake of the head said it all. The Club Vistara IndusInd Bank Explorer Credit Card had an easy application process. It had a completely paperless online application process that included Video KYC. Plus, verification was instant and approval swift!
By the time dinner drew to a close that night, Shiven was convinced that the Club Vistara IndusInd Bank Explorer instant Credit Card was one of the best credit cards. All misgivings had melted away. There was no need even for a credit card comparison; he was ready to apply for it the next morning!
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