SBI Card and eBay Cash back offer

SBI Card and eBay India have come together with cash back offer for all the existing SBI Credit Card holders. So you will need to use your SBI Card to make the purchase at eBay. There are actually three categories of cash back which can try using this offer. That is 7.5%, 10% and 15%. It depends on the spend you make at eBay using your SBI Card. The maximum discount you can get with this offer is Rs. 1000.

If your purchase value is between up to Rs. 2499 then you cash back amount will be 7.5%. Similarly if your purchase value is between Rs. 2500 and Rs. 4999 your cash back would be 10% and likewise if your purchase is above Rs. 5000 you will get 15% cash back into your SBI Card within 21 days of your purchase. As said above the maximum cash back you can get is Rs. 1000.

Co-branded credit cards - Pros and cons

To avail this offer, you will need to visit eBay.in and register for free and if you already have an account with eBay.in then login to your account. Search and find the product that you want to buy. After adding the same to your shopping card, then use the coupon code SBICARD123 at the appropriate place to be eligible for the cash back into your SBI Card. Then pay using your SBI Card. And that’s all. You will get your cash back according to the purchase value, into your SBI Card account within 21 days of your purchase.

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Freedom to Save - Offer from SBI Card

Just like previous various offers, SBI Credit Card has once again introduced another new offer in collaboration with one of the several electronics merchants and this time it is Deals4all. This time it is to commemorate with the Indian Independence Day this year 2009. This offer is named as Freedom to Save and is valid till September 15, 2009 or till stocks last as the stocks are limited it seems. With this offer you can save up to 71% when availed using your SBI Card and is valid only on it and not on any other cards.

The first product is the Sylvania laptop. It comes with a 1.2 GHz Processor, 1 GB RAM, wifi, 30 GB hard disk, WLAN, card reader, 7” screen and Ethernet cards, etc. Its estimate market price is Rs. 26,500 but you can buy it for Rs. 12,999 with this offer.

Next is Aqua Mini ePhone with estimated market price of Rs. 13,500 but you can get it for Rs. 5999. Aqua TV Phone with which you can watch TV, it seems, is priced at Rs. 4999 as against the estimate market price of Rs. 10,500. Similarly you can buy the Aqua Pro Dual Simphone for Rs. 3999 with the estimated original price being Rs. 9500. The Aqua Watch Phone is priced at Rs. 4999 (estimated price being Rs. 10,500). The LG KF240 Mobile Phone is priced at Rs. 5999 as against the original price of Rs. 12,500.

You can buy Polaroid i836 digital camera which is an 8 MP camera for Rs. 3999 (Rs. 10,500 being the estimated market price). Likewise the Polaroid i1035 digital camera is a 10 MP digital camera that can be brought for Rs. 5499 with the estimate original price being Rs. 10,500.

Jabra Bluetooth car kit is priced at Rs. 1999 (Rs. 5900) and Carrera Perfume Set Rs. 999 (Rs. 3400) with the estimate price given in bracket.

There are also other special offers where you can buy branded! D&G wrist watches at around 71% discount at the SBI Card special prices.

You can also buy these products at special 6 months EMI from SBI Card which you can convert into EMI by calling SBI Card helpline.

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Credit Card Offers ..that are to be avoided

The top credit card offers you should stay away from include those with limited benefits and cards that offer benefits which can become traps for you. Consider these four top credit card offers and your ability to take advantage of them.

The "No Interest" Offer

The "no interest" credit card is clearly among the top credit card offers. However, not all of these offers allow you to transfer an existing credit card balance. Without this, the card does not offer you the primary benefit. By transferring a balance from a higher rate card to a lower rate, you have created a no interest loan for yourself with which you can get out of debt. If the no interest offer is only for new purchases, it may end up putting you in a worse position.

The "Cash Back" Offer

Cash back credit cards return a given percentage of each purchase to you. These cards also are among the top credit card offers even though they almost always have a market rate of interest. If you can pay your balance off each month in full and avoid any interest expense, you are knocking 1, 2 or 3 percent off the cost of all allowable purchases on the card. If you cannot pay the balance off in full, interest expense will quickly erase the cash back benefit.

The "Rewards for Spending" Offer

Rewards-based credit cards allow you to accumulate points with each dollar you put on the card that can be redeemed for goods or services. This has the same net effect as the cash back card. Using the card results in goods or services at no cost, lowering the net amount you have paid for everything you charge. If you spend more than you normally would to get points, it will erase the benefit of the merchandise or services you get with the rewards. A rewards program works out to a 1 percent or 2 percent savings on what you spend. It takes only one or two purchases to wipe out all you would have saved.

The "If You Have Bad Credit" Offer

Even with poor credit, you will continue to receive credit card offers. These will carry a higher interest rate and offer fewer incentives because of the increased risk to the credit card issuer. These credit card offers can be a great way to restore your credit. However, if you are not prepared to leave bad habits such as late payments or under paying behind, this credit card will only make your financial situation worse.

SBI Card and Polo Club offer

SBI Card and Polo Club wrist watches have come together to give us to buy watches at 87% discount from the estimated market price of the watch. As you may remember the SBI card’s previous offer on Polo Club and now they have come up with another offer/offers with their wrist watches. This offer is only valid through SBI Card. They are selling three special Polo Club watches with this offer.

The first watch is the Polo Club Swarovski Watch. It is a stainless steel watch with 36 pieces of Swarovski crystals. The estimated market price is said to be Rs. 6900 but with this offer of SBI Card you can buy it for Rs. 899.

The second watch is the Polo Club Multi-Dial Watch. It comes with dual time and leather strap and stainless steel case back. The estimated market price is said to be Rs. 5950 which you can get it for Rs. 799.

The third is the Polo Club Dome Watch. It is a limited edition designer watch with stainless steel case back. The estimated market price is Rs. 4650 but you can get it for Rs. 749 using this Time to Flaunt offer with SBI Card.

All the above watches are water resistant watches and comes with guarantee card, original box packing, and user manual.

There are no additional shipping charges or hidden charges, all the price mentioned above are inclusive of all.

You can order the watches from www.watchpromo.co.in. You can also call 1800 22 4700 or 1800 22 8200 between 9 to 9 p.m. on all days to place an order. This offer is valid till September 30, 2009.

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SBI Card Offer on Reebok

SBI Card and AVA Merchants have come together with an offer exclusively for the SBI Card holders on Reebok merchandise. Where you can get the Reebok products and unbelievably more than 50% discount from the original price if you use your SBI Credit Card to buy them. This is a limited period offer and is valid only till the stocks last or till July 15, 2009. It is not available online but only via the special phone numbers with which you can order them.

The first is the Cool Combo Offer or Reebok Combo Offer in which you get a Reebok duffle bag, Reebok sports shoes, and Reebok T-shirt combo for a special SBI Card price of Rs. 2799 as against the original price of Rs. 5798. This price supposedly includes the shipping charges as well. The shoe sizes available with this offer are 6, 7, and 8. The T-shirt size is L. There will not be any exchange or return available in this offer and hence buy it with caution in case the size does not fit you, etc. The product code for this product is B054 (size 6), B055 (size 7) B056 (size 8).

The other offer on Reebok is that you can get the special Reebok sunglasses worth Rs. 4990 for just Rs. 990 which is the special price only for the SBI Card holders. The product code is B053. This will help you while ordering the product via phone. This is indeed a whopping discount if it is indeed a Reebok sunglass.

To order you will need to call the special call center numbers 1800 11 4344 or 1800 1800 300 or 0124 4697999. The number will be open from 9 a.m. to 7:30 p.m. and till 6 p.m. on Sundays. This offer is available only in select cities and hence call to confirm whether your city is listed in that

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HSBC Credit Card Offers on Valuemart deals

Valuemart in association with HSBC has come up with super value offers on various products if brought in combination of 3 or more. There are different products listed in this offer and you will need to buy any 3 products mentioned at a special price of Rs. 2999 plus delivery charges of Rs. 350 per 3 products. And you will get special freebies too. This offer is only valid for those who are having HSBC Credit Cards.

The products that was on special sale for this Value Mart deals are:

Strob/Italia Electric Steam Iron worth Rs. 1750. This comes with titanium coated sole plating, spray nozzle.

Strob Italia electric cooking plate worth Rs. 1800. This comes with cast iron heating element, thermostat control for sim, sealed solid plate design.Magic duster worth Rs. 2100. This is a battery operated duster. It has the special rotating brush which picks up dust pretty faster than regular brushes.

The other products and market price for them:

• Nokia Bluetooth headset – Rs. 2700
• Dolphin Handheld Massager – Rs. 2100
• Mini Sewing Machine – Rs. 1950
• Nova/Strob Mini Chopper – Rs. 1550
• Vitek MP4 Player – Rs. 1450
• Scarlett Knife set and glass chopping board – Rs. 1650
• Strob/Italia Electric weighing scale – Rs. 2800

Now, you can buy any of the three products mentioned above for Rs. 2999. You will also need to shell out Rs. 350 as shipping charges. You can also buy one product for Rs. 1250. You can select any three products of your liking, no restrictions on selecting the products at all.

Now coming back to the freebies, if you buy for Rs. 3000 or above from the above offer, you will get Rs. 500 worth Sponte Travel Sleek Iron. And if your order value is above Rs. 7500 then you will get a Vitek MP3 player worth Rs. 1500 for free.

You will need to call the Valuemart helpline numbers at 1800-209-3209 or 022-61405200 to place your order using HSBC Credit Card or visit www.ivaluemart.com/hsbccard to place your order online.

You will get the product delivered within 21 days of placing the order. And all the terms and conditions applies for this offer, please do read them before availing this offer.

This offer is valid till May 31, 2009.

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HSBC Card offers on Deals4all products

HSBC in association with Deals4all, which is famous for its hi-tech deals, to come up with some very good offers to buy electronics at a much discounted price. You will need to use your HSBC credit card only to avail these offers from Deals4all and cannot buy it using any other cards. This offer is available only through the Deals4all helpline numbers and not available online. This offer is valid till May 31, 2009. The products range from handycam to photo printer.

You can buy TCL Handycam for Rs. 2999 using this offer as against the original price of Rs. 9500. It is a 3MP handycam with 4x digital zoom and 32 MB flash memory with expandable memory slot. It is said to be smallest and slimmest digital handycam in the world.

Aqua X2 Dual SIM Phone can be brought for Rs. 3495 as against the market price of Rs. 9500. It is a dual SIM phone with MP3 support, Bluetooth, FM radio and touch screen.

The best of the bash is that, you can buy Lexmark Photo printer worth Rs. 6000 for just Rs. 1999. It is the compact photo printer to print 4” x 6” photos. You can print directly from your PC as well as from your digital camera directly.

VD Tech HDMI DVD player with 5.1 channel with full HDMI support with USB and MMC card reader and can read any types of CDs and DVDs and major formats like DivX, etc. This can be brought for Rs. 1999 as against the market price of Rs. 3995.

I-Mate Jama smartphone can be brought for Rs. 6990 with the original market price being Rs. 11,000.

LG TV Mobile Phone with 3G which can be used to watch TV and can be utilized at major GSM networks, comes with 3MP digital camera, DVB-H TV tuner, plays MP3, MMF, WAV, etc. Has Bluetooth and the support of adding up 4 GB memory, etc.

Some of the other products with the original price mentioned in brackets are given below:

• Polaroid 8 MP Digital Camera – Rs. 3999 (Rs. 10,500)
• Polaroid 10 MP Digital Camera – Rs. 5490 (Rs. 14,500)
• GE Designer Cordless Phone – Rs. 1299 (Rs. 2995)
• Polaroid Digital 7” Photo Frame – Rs. 2999 (Rs. 6500)

You will need to call Deals4all Customer Care Number at 1800-22-8200, 180004700 or 022-26329212 to place your order using your HSBC credit card to avail these offers mentioned above.

You will get the product delivered in 7 days of placing the order. This offer, as mentioned above is valid till May 31, 2009.

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SBI Card's Har Din Jackpot Offer

SBI Cards has introduced another contest or jackpot sort of offer namely Har Din Jackpot, where you will have a chance to win Maruti Suzuki A-star cars, holiday to Mauritius sponsored by Thomas Cook, or even Samsung 22” LCD TV by way of lucky draw conducted every day. All you need to do is to use your SBI Card to shop for Rs. 2500 or more during this offer period to be entered into this lucky draw to choose the winner automatically without doing any other calculations or entering in any contests, etc.

With this offer, every Rs. 2500 you spend using your SBI Card will let you enter in the lucky draw that is being conducted every day during this offer period to win Samsung 22 inch LCD TV everyday or other prizes. Hence even if you shop for Rs. 5000 will make you to be entered into the lucky draw twice for the given day. If you spend for 7500 on any given day, you will be entered into the lucky draw thrice on that day. But your single purchase should be a minimum of Rs. 2500.

You will have a chance to win a Samsung 22 inch LCD TV everyday. A Thomas Cook Holiday to Mauritius for a couple every week and also a chance to win the latest Maruti Suzuki A-Star every fortnight. Hence you will get a chance to win 6 Maruti Suzuki A-Star, 12 Thomas Cook Holiday or 90 Samsung LCD TV during this offer period.

To make it simple, to be entered into this draw automatically, all you have to do is to use your SBI Card whenever you shop for Rs. 2500 and more and that’s all.

Unfortunately, this offer is not valid in Tamil Nadu, i.e., in Chennai. ;-) This is because lottery or jackpots are banned in Tamil Nadu. And the above contest is purely a jackpot or lottery sort of offer without giving the option like completing a slogan or answers to complete to decide the winner.This offer is valid from January 10, 2009 to April 9, 2009. To know more about this offer visit this page.

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SBI Card and AVA the Dream Merchants Offer

Very similar to that of ICICI Bank Credit Card and AVA offer, even SBI Cards have entered into a special deal with AVA Merchants to come up with an offer where you get various products from AVA Merchandising at special discounted price exclusively for the SBI Card holders and available only for them. This is also a limited stock offer and hence will need to hurry if you are planning to buy them.

To start with, you can get the Swatch Irony Black Chrono watch which is said to be worth Rs. 6300 for a special SBI Card price of Rs. 2990. You can also buy them using the EMI option available with SBI Cards at Rs. 534 for six months. The product code of this product is B023 (to make it easier for you to order through phone). This watch also comes with two year international warranty.

Philips cordless phone can be brought for Rs. 1990 as against the original price of Rs. 2990. The product code is B025. This comes with an one year warranty.Some of the other products which you can buy using this AVA and SBI Card offer are: (original price in brackets).

Verona Strolley Bag – Rs. 2290 (Rs. 4990) (Product Code: B027)

Blumax Mono Headset – Rs. 1300 (Rs. 3990) (Product Code: B024)

Coby 2 GB MP4 Player – Rs. 3990 (Rs. 7999) (Product Code: B026)

Victoria watch & Jewelry Set – Rs. 1290 (Rs. 2990) (Product Code: B028)

Berg Tandoor – Rs. 1750 (Rs. 2750) (Product Code: B029)

5.1 CH Home Theater – Rs. 5290 (Rs. 9980) (Product Code: B030)

You will need to call AVA at their toll free numbers 1800-1800-300 or 1800-11-4344 or their regular number at 0124-4697999 to place your order during regular working hours on all days except Sundays. You can also place your order through SMS by sending a message “AVA SALES” to 55050. You can order only through the above options and cannot order it online anywhere.

This offers is valid till March 31, 2009 or till stocks last. You will need to contact SBI Card helpline at 1800-180-1290 to convert your purchases into EMIs. You will get the product within 21 days of your ordering.

Although the prices seem somewhat reasonable to me, since I have not tried any products from AVA Merchandising yet and hence cannot comment on the quality of the products, unlike Deals4all offers where I have used their service and hence have commented about the product quality in my previous posts here. Hence buy them if you are not too concerned about the product quality and are satisfied with the discounted price mentioned above.

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