Shanavas dot Com » Credit Cards http://www.shanavas.com Make Money Online in India Fri, 27 Aug 2010 00:20:15 +0000 en hourly 1 http://wordpress.org/?v=3.0.1 http://www.shanavas.com http://www.shanavas.com/wp-content/plugins/maxblogpress-favicon/icons/favicon-20.ico Shanavas dot Com Online Transactions Require Additional Security http://www.shanavas.com/online-transactions-need-additional-security/ http://www.shanavas.com/online-transactions-need-additional-security/#comments Thu, 23 Jul 2009 08:32:07 +0000 Shanavas http://www.shanavas.com/?p=927

The Reserve Bank of India (RBI) has mandated that from 1st Aug 2009 all online credit card transactions require an extra level of verification. Your credit card issuing banks are therefore, implementing a “Verified by VISA” or “MasterCard SecureCode” password.

You will need this password to continue transacting online from 1st Aug 2009.

What is the “Verified by VISA”/”MasterCard SecureCode”?

This is the password that your credit card issuing Bank provides. For example – ICICI Bank, HDFC Bank, Citibank, HSBC Bank, Axis Bank, SBI etc. This password is the additional layer of security for all your online transactions. Register for your “Verified by VISA” or “MasterCard SecureCode” password with your credit card issuing bank before 1st Aug 2009.

How it works?


Benefits of “Verified by VISA”/”MasterCard SecureCode”

Even if you lose / misplace your credit card it cannot be misused online as the password is not present on the card.

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]]> http://www.shanavas.com/online-transactions-need-additional-security/feed/ 3 EntroPay Card – Free Virtual Credit Card http://www.shanavas.com/entropay-card-free-virtual-credit-card/ http://www.shanavas.com/entropay-card-free-virtual-credit-card/#comments Mon, 18 May 2009 05:28:24 +0000 Shanavas http://www.shanavas.com/?p=836

If you want to purchase anything online then you should have a credit card. Most people only have a debit card, but Indian debit cards are not accepted online. Now you can create virtual credit card from your debit card using EntroPay. This virtual credit card can be used to pay online and can be used on any website. You can use it to fund paypal. You can use it on major websites like eBay, Clickbank, Google adwords etc. You can also use it for forex trading.

What is EntroPay Card?

An EntroPay Account is a prepaid account. The Entropy Virtual VISA Card works just like a normal VISA card when you make online purchases. The EntroPay account gives you an Entropy Virtual VISA Card which you can use to make online purchases wherever VISA is accepted. Entropay card is completely free to create. You only need to register on EntroPay website ( entropay.com ) and add your debit or credit card to fund EntroPay. You can create more no of cards for different payment. You can use any debit/credit card issued by any bank to fund EntroPay.

You need a debit card with a card verification no to fund EntroPay. The card verification no is a 3 digit no on the back side of the card. Please note that the normal debit card issued by State Bank of India is a maestro card and can’t be used to fund EntroPay since it doesn’t have a card verification no on the back side. You can ask the SBI branch to issue a visa or mater card debit card.

EntroPay Card fees

There are no monthly or annual fees with an EntroPay Virtual Card. Their only fee is the charge on each amount loaded onto an EntroPay Virtual Card is 4.95%. There are no hidden fees.

EntroPay Plastic MasterCard

EntroPay also provides plastic master card which you can get it for just $9.99. EntroPay Plastic MasterCard is a prepaid physical card and may be used anywhere MasterCard is accepted, including retail shops and ATMs. You will receive your new EntroPay Plastic MasterCard and PIN number through the post within a few days of applying.

Click here to get EntroPay Virtual Credit Card for Free

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]]> http://www.shanavas.com/entropay-card-free-virtual-credit-card/feed/ 126 5 Credit Card Tips for Everyone http://www.shanavas.com/5-credit-card-tips-for-everyone/ http://www.shanavas.com/5-credit-card-tips-for-everyone/#comments Mon, 02 Mar 2009 06:58:24 +0000 Shanavas http://www.shanavas.com/?p=608

If you have a credit card and you use it carelessly you will always in debt. Credit card companies charge heavy fees if you don’t pay your credit card bill on time. They also have fees for certain types of transactions like usage in petrol pumps. Banks like ICICI and HDFC bank will charge a fee if you pay credit card bill by cash. Read their manual to see the complete list of fees.

1. Always pay your credit card bills on time. This is the most important thing you can do get away from credit card debt. Always pay at least your minimum payment and make an early payment if you pay by cheque since it will take few days to process your payment. If you make your payment a day late you have to pay a late payment fee and also interest from the day you purchased the item.

2. Pay your balance in full each month. You don’t need to pay any interest if you pay the amount in full. If this is not possible to pay the full amount, then make a payment as large as possible.

3. Slow down usage if you can’t pay the full balance. Having a credit card allows you to buy in credit. Buy only if you have the money to pay the bill on time. Reduce your credit card usage and spend depending on how much you earn.

4. Check your statement carefully each month. Review your statement carefully. Check whether all the charges look correct. Check for any unusual and unexpected charges. Contact the customer care and clear your doubts about any transaction or charges.

5. Don’t carry your credit card with you. Don’t carry your credit card around with you. Unless you are specifically leaving the house to use it keep it at home

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]]> http://www.shanavas.com/5-credit-card-tips-for-everyone/feed/ 1 Pay Online with out Credit Card in India http://www.shanavas.com/pay-online-with-out-credit-card-in-india/ http://www.shanavas.com/pay-online-with-out-credit-card-in-india/#comments Mon, 09 Feb 2009 07:02:45 +0000 Shanavas http://www.shanavas.com/?p=472

Some companies in India have bought out cash cards that can be used for online transactions like shopping and ticket booking etc. A cash card is a prepaid card like a calling card. Its value decreases as you use the card. You can buy it from shops in India and it is available in various denominations from Rs100 to Rs10000. This card contains a unique code number and you are using this code on websites. Each time it is used the value in the card is reduced and you can use it until you use the full money. The advantage of these cards is it is available at every part of the country and you can select a card depending on your usage. There are two major cash cards available ITZ Card and Done Card. ITZ Cash is the most popular cash card in India.

ITZ Card is the major cash card in India and they have a wide distribution network. ITZ cash card can be used for paying Dish TV subscription, online shopping at Rediff.com and Indiatimes.com. It can also be used to book railway and airline tickets and it is also accepted at travel portals like yatra.com for ticket and hotel booking. It can be also used for mobile recharging. They will also deliver cash card at your doorstep for a small fee. They will charge a transaction fee of 1.6% for booking railway tickets.

Done card is another cash card. It can be used at online shops like Indiatimes and Indmall etc. You can also used for online bus ticket booking at redbus. Done card doesn’t charge any fee for railway and bus booking.

If you need to pay online on international websites you need credit cards. If you don’t have credit card you can use netsafe virtual credit card.

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]]> http://www.shanavas.com/pay-online-with-out-credit-card-in-india/feed/ 3 Get Free Credit Cards in India http://www.shanavas.com/get-free-credit-cards-in-india/ http://www.shanavas.com/get-free-credit-cards-in-india/#comments Tue, 09 Dec 2008 09:21:25 +0000 Shanavas http://www.shanavas.com/?p=161

The biggest problem faced by most people for making money online is that they don’t have a credit card. The fact is that many banks including ICICI bank, HDFC bank and Citibank are offering life time free credit cards. You must be minimum 21 years old and must be employed with a minimum monthly salary of 10,000 to apply for a credit card. This is the minimum salary requirement for HDFC bank. This amount may vary from bank to bank. Apply for a credit card in your parent’s name if you are not eligible. For a life time free credit card there are no charges to be paid other than the purchases you made using your credit card. Even if you don’t need a credit card now, it is better to take one now as it is free and you can use it when you need it. Several years back credit cards had annual maintenance charges which you have to pay even if you don’t use it, but now there are no such fees. From my experience I found that it is easy to get a credit card from HDFC bank compared to other banks. You can open an HDFC bank account if they don’t offer a credit card otherwise. You can apply for a credit card online or contact the bank branches in your area.

Which Credit Card is better?

While there are many credit cards available from various banks I prefer an HDFC bank credit card and I am using it for several years. It allows you to create netsafe cards using your credit card. HDFC bank offers verified by visa/ Mastercard Securecode facility for increased safety. If you are not eligible for a credit card you can use a netsafe virtual credit card for shopping online.

Don’t forget to read

Don’t have Credit Card – Use Virtual Credit Card

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