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How to Buy a Mattress: 8 Tips to Get The Best One for You



My mattress and I… we don’t always see eye to eye. 

You see, I believe my bed is a place I can go to lie down, stop doing things and black out for a few blessed hours of blissful oblivion. 

My mattress, on the other hand, seems to think my bed is a place I go to seek out back problems, toss and turn for hours and fervently beg for the sweet, sweet release of sleep. 

But that discrepancy in beliefs is probably due to the fact that I’ve never paid more than a couple hundred bucks for a mattress.

It’s true: I spent the early part of my adult life sleeping on a thin, flimsy mattress straight from everyone’s favorite Swedish furniture store. 

Don’t get me wrong — that place is a staple home-furnishing destination. But its lower-priced mattress selection is better for guest rooms and kids’ beds, not for every day (er, night) use by an adult with a finicky back. 

A good mattress, I’m learning, is simply one of those expensive realities you have to face eventually. There’s no real work-around and at some point, if you want a great sleep experience, you have to just save up and shell out. 

But because a good mattress can cost upward of $800 (and a great mattress upward of $1,500), and because the recommended life span of a mattress is about eight years, I would consider a mattress a serious, long-term investment.

The Right Mattress Is a  Long-Term Investment

If you sleep the recommended eight hours per night, you’re spending a third of your life in bed. 

I know, you’ve heard that figure before — but a third of your life! For someone who makes it to the average U.S. life expectancy of 78(ish), that means you’ve spent 26(ish) years of your life on a mattress! (That’s 25 1/2 if you count that period in college where you fell asleep anywhere, anytime — but never in a bed at night.)

But those problematic (at least for your back) college years aside, sleeping on the wrong mattress can cause long-term back and health issues.

“If you are not getting the proper support,” says Eric Springer, a Florida chiropractor, “a poor mattress can cause back issues, poor sleep and spinal misalignments.”

Plus, if you’re buying a new $200 mattress every two years because it wears out and starts to sag, after eight years you’ll end up spending as much on four low-quality mattresses as you would have spent on one high-quality mattress that would have lasted.

The bottom line? A mattress that’s suited for your particular needs could save you quite a bit of physical, mental and financial pain in the long run. 

So if you’re having trouble sleeping or just can’t seem to wake up feeling any semblance of good, it may be time to invest in a higher-quality mattress.

How to Choose the Right Mattress for You

If you are thinking about shopping around for a new mattress, a chiropractor may be a good first step, especially if you’re experiencing back or neck pain when you wake up in the morning. 

A chiropractor will perform an evaluation that could include a posture analysis, weight-bearing test, X-rays or various other orthopedic or neurological tests, Springer says. The results of that evaluation would allow the chiropractor to make a recommendation on mattress type and firmness. 

Pro Tip

If a chiropractor writes you a medical-necessity letter, your new mattress purchase may be tax exempt.

If you aren’t able to set up an appointment to talk to a chiropractor and do the gamut of tests and analyses, you can still find the right mattress for you; it will just require a little more legwork and a lot more research. 

The Different Types of Mattresses

When shopping for a new mattress, people (myself included) like to walk into a mattress store, plop down on a few different models and fall in love with the softest, cushiest, pillow-toppiest one. 

But that’s a trap. “The very soft mattresses… feel good in the store for those five minutes,” Springer says, “but are not offering enough support for overall neck and back care for eight-hour nights.”

Instead, Springer recommends a medium to firm mattress for the proper amount of support. 

As for the type of mattress, there are a few options on the market.

Adjustable Air Mattress

No, I don’t mean the one you blow up using a foot pump while on a camping trip (although hey, if it works for you, it works for you, I guess). 

Instead, I’m talking about an adjustable bed like a Sleep Number. There are several brands on the market, at several price points, but the idea is the same: a mattress that uses air to adjust to be firmer or softer based on your personal comfort preferences. 

Although I’ve always been skeptical of the “find your own comfort level” thing, Springer actually put this type of mattress at the top of the list in terms of “better for your back.”

Adjustable air mattresses are especially helpful for couples who may have different needs when it comes to support but still want to share one bed, because most models allow the two sleepers to adjust their settings separately. 

While adjustable air mattresses are on the pricier side (a Sleep Number-brand bed in a California king size can cost as much as $5,700), there are enough versions on the market that you can probably find a good one in your price range. The Sleep Number c2 bed in size queen, for example, is a much less scary $900; it just doesn’t come with all the bells and whistles. Still, Consumer Reports tested the c2 against one of the pricier models and found there wasn’t much difference between the two in terms of support.

Adjustable air mattresses generally last for quite some time. Many customers report having their mattress for over 10 years, and most of the adjustable air-mattress brands offer warranties should anything go wrong. 

If you’re looking into an adjustable air mattress, shop around a little. Several brands offer adjustable air mattresses these days, so don’t narrow your search to just the one well-known brand.

Spring Mattress

A spring mattress (also referred to as an innerspring or coil mattress) is what you think of when you think “mattress.” 

You know — the one filled with metal coils that don’t actually look all that comfy but somehow work together to make one bouncy, cushioned whole.

This was ranked second on the list of Springer’s recommendations — after the adjustable air models but before memory foam.

There are several different types of coil configurations, but according to The Sleep Help Institute, there are a couple of important things to note when you’re shopping around:

  • Coil Gauge: The lower the number, the thicker the gauge — a 12-gauge coil will be thicker than an 18-gauge coil — and the thicker the gauge, the firmer the mattress. 
  • Coil Count: Generally, coil counts in mattresses range from about 300 to 2,000. A higher coil count correlates with three things: a longer mattress life span, a better ability to contour to your body and, unfortunately, a higher price point. 

But, as with sheets and thread counts, eventually a high coil count becomes meaningless, the Sleep Help Institute says. Anything past 1,000 is pretty pointless comfort-wise and life span-wise, so don’t fall into the trap of paying extra for a coil count over 1,000.

An innerspring mattress has the shortest life span of all the mattress models on the market today, as it will start to sag after a time. Most last about 5 1/2 years, whereas other mattress models last closer to eight.

Still, with prices starting in the low hundreds (even for queen- and king-size mattresses), an innerspring mattress is a good option for someone on a tighter budget. 

Memory Foam Mattress

Despite its comfort level and the amount of hype surrounding memory-foam mattresses, Springer put this type of mattress at the bottom of the list. “If you have a bad back,” he says, “you don’t want it ‘memorizing’ your bad spine.”

If you’re not dealing with a bad back, though, you might enjoy the pressure-point relieving feel of memory foam, which was created to allow you to sink in as the foam molds to your body. Seriously — it’s like sleeping on a cloud. 

Because memory-foam mattresses are becoming more popular, they now come in a wider price range than when they first hit the market. While the average price for a memory-foam mattress will be higher than that of an innerspring mattress, the price will vary depending on factors such as density, materials and firmness. 

The longevity of a memory-foam mattress depends largely on its density. A mattress with a higher density will last longer, while a lower-density foam will break down and become uncomfortable more quickly. A longer-lasting memory foam will have a density somewhere around 3.5 to four pounds per cubic foot, but will also be more expensive. 

While a high density will help determine the mattress’ life span, it’s the ILD (indentation load deflection) that will determine its firmness. A higher ILD will mean a firmer mattress, while a lower ILD means a softer one. 

With most memory-foam mattresses, the ILD will start low on the top layer and get higher the farther down you go. The mattress’ overall ILD is a combination of all the layers. 

Memory foam also retains heat pretty well (and not in a good way), so if you’re a hot sleeper, you should look for a gel-infused foam. The gel helps move and trap the heat away from your body, allowing for a cooler night’s sleep — but again, this usually means a more expensive mattress. 

8 Tips for Shopping for Your New Mattress

All right, so you’ve talked to a chiropractor, you’ve done the research and you know what kind of mattress you want to invest in. 

So now what? 

The fun (if you love to shop) or stressful (if you just don’t) part: actually finding and purchasing the mattress. 

Here are some tips to keep in mind as you shop.

1. Shop Online First

If you’re planning to order a “bed-in-a-box,” you’ll have to shop online regardless. But even if you know you’ll be going into a mattress store to make the purchase, take some time to shop around online first. 

Salespeople may try to talk you into a more expensive model, so you should have a good idea of what you’re looking for and what you can buy within your budget before you head into a store. 

2. Talk to a Salesperson

Still, there’s no harm in going into a store (maybe just avoid the busiest hours) to have a salesperson talk you through your options. If you’re not ready to buy just yet, be clear about that and don’t let yourself be talked into making a decision before you’re ready. 

3. Read Reviews

These days, everyone has an opinion about everything. When it comes to mattress shopping, though, that’s a good thing. Make sure to read the reviews of the mattresses you’re considering to make sure people are still satisfied after sleeping on them for a while. 

4. Know Your Numbers

This goes for product specifics and prices.

First, know the specifics you’re looking for. Are you looking for a foam with a density of at least 3.5 pounds per cubic foot for a long life span? Or a firm mattress with a 12-gauge coil? Knowing these numbers will help keep you from feeling overwhelmed when you’re faced with a sea of options. 

Then, make sure you note the prices on the mattresses you’re seeing. Some brands will put merchandise on sale online but not in stores, but the stores will usually price match the online price. Some mattress stores will even price-match a similar mattress from another brand. 

5. Head to the Back of the Store

Mattress stores are just like any other stores: The bright, shiny new merchandise will be displayed for you to see right when you walk in the door. Instead of getting hooked on a new model, make a beeline for the back of the store, where they keep the older models that may already be discounted — or, if not, will probably have some wiggle room for haggling. 

6. Try Haggling

What’s the worst that can happen — they say no and you buy the mattress for the original list price? 

Most mattress stores have flexibility on everything from the mattress prices themselves to things like the delivery options, warranty terms and return fees (if needed) — which is why it’s so important to know your numbers before you go in. 

7. Understand the Warranty and Return Policies

Before you make your purchase, make sure you understand the warranty and return policies and have them in writing (especially if you’ve haggled on the cost or terms). 

A warranty will usually cover physical defects such as sagging in the middle, broken or exposed coils or bunching foam, but will probably not cover comfort issues. A warranty may be void if the mattress becomes stained or if any tags are removed, so be sure to check the exact terms of your warranty if you choose to purchase one. 

8. Know When to Shop

If you need a new mattress right away, you may not have a choice about when you shop for and buy your mattress. But if you can wait for the right time, you’ll have a better chance at a great deal. 

The best time to purchase a mattress is in February — over Presidents Day weekend.

Other good times to buy a mattress include the month of May (June is when new inventory usually hits stores), and any other long holiday weekends — meaning Memorial Day weekend is a double whammy. 

An Ounce of Prevention…

A person's feet poke out of their sheets while lying on their bed.

When it comes to mattresses — and, really, most things in life — you get what you pay for. If you’re able to invest in a sturdier, longer-lasting mattress, you won’t find yourself having to replace it within a couple years. 

As long as you properly care for it, a good mattress should last you anywhere from six to 10 years. (Eight years is the recommended life span, but depending on the type and a few other factors like the sleeper’s size, it could be slightly shorter or longer than that.)

Still, there are a few tips and tricks that will help you maximize your mattress’ life span.

1. Rotate It

Rotating a mattress once in a while ensures it gets an even distribution of wear and tear to keep it from caving in prematurely.

Mattresses used to come with two right-sides up, but most models these days have only one, so you’ll most likely need to stick to rotating yours — not flipping it like conventional wisdom used to suggest.  

The general rule of thumb is to rotate your mattress, switching the head and foot positions, once every three months. If your mattress is flippable, you can flip it with the same frequency. 

Also, if you have a box spring under your mattress, you should rotate (not flip) it every six months. 

2. Be Careful Where You Sit

Sitting in the same spot on the edge of your bed every day (say, while putting on your shoes) will cause uneven wear along the sides of your mattress. Try not to sit in the same place day after day, and consider getting a chair to put in your room if you need somewhere to sit often. 

3. Protect Your Assets

Putting a mattress protector over the mattress but under your fitted sheet will help prolong the life of your mattress by preventing damage from spills and stains. This will also help keep allergens and bugs at bay.

4. Keep It Clean

A couple of times per year (like during spring and fall cleaning, if you’re into that), you should deodorize and vacuum your mattress. 

Remove the sheets, then sprinkle baking soda so it covers the top of the mattress. Wait 30 minutes for the baking soda to absorb any smells, then vacuum it off. 

In between deep cleanings, you can spot clean with a little bit of water mixed with hydrogen peroxide, dish soap or baking soda. Use a clean rag to blot the stain, and try not to let the liquid soak into the mattress. Then make sure the spot dries completely before you make the bed. 

Invest in Your Mattress, Invest in Your Health

A good night’s sleep is incredibly important for your overall health and well-being — and it starts with a good mattress. 

If you’re struggling with soreness, aches and pains or are waking up irritable or without feeling rested, your old mattress may be the culprit. 

“If you have… back problems, the wrong mattress can make it worse or cause poor sleep habits,” Springer says. “This is an important investment for your health.”

And really, aren’t your back, neck and mental health worth the investment?

Grace Schweizer is an email content writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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How to Spend Your Coronavirus Relief Check: 4 Smart Options



If you make less than $99,000 (or $198,000 if you’re married), coronavirus relief money is coming your way. President Trump signed the CARES Act into law on March 27, which includes stimulus checks for millions of Americans.

The maximum amount you can receive is $1,200 per adult (or $2,400 for married couples) plus $500 per child under age 17. Individuals making over $75,000 or couples making over $150,000 will see their check phased out by 5 cents for every dollar they earn over those amounts.

It could be several weeks — possibly over a month — before you receive your stimulus money, but now’s a good time to start planning how you’ll use that cash so you make the best of it.

Here’s all of our coverage of the coronavirus outbreak, which we will be updating every day.

Of course, everyone’s financial situation is different, but here are four key things to consider when deciding how to spend your coronavirus relief check.

Cover Your Needs First

If there were ever a time to prioritize needs over wants, this is it. This is especially important if you’ve lost income due to layoffs, furloughs, reduced hours or slow business. Your stimulus money should go toward making sure you have a roof over your head and food on the table.

Create a bare-bones budget and total up the cost of your absolute essential expenses. Then look at how much money you have in your checking and savings accounts — in addition to your pending stimulus check — to get a good picture of how long your money will stretch.

However, don’t wait until you’re in dire financial straits to seek assistance with your basic needs.

“Reach out now if you can foresee problems [paying bills],” said Chris Preston, vice president of corporate relations at United Way Worldwide.

Increase Your Savings

Let’s say you’re still working and bringing in enough money to cover your essential needs. Look to using your stimulus check to bolster your emergency fund.

No one can predict how long this pandemic will last. Less than a month of shelter-at-home advisories has forced industries to change how they do business, and many have all but shut down. The job you have today may not be guaranteed if this crisis continues.

While the typical advice is to have at least three months worth of living expenses in an emergency fund, you might want to bump that to at least six months. Your emergency fund should help you feel financially secure.

Separate your emergency savings from your spending money. A high-yield savings account will earn interest while your money’s sitting in the bank.

Think About Your Future

If your needs are being covered and you have a robust emergency fund, consider spending the money you’ll get from the stimulus bill to set yourself up for a better financial future. 

Taking a certification course could position you for a promotion or new job. Alternatively, you could use the money as seed capital to pursue an entrepreneurial path.

Making a dent in your debt or paying a large bill upfront rather than over time could help you save money in the long run.

You also might want to think about using your stimulus money to cover upfront expenses that’ll help you save money over time. That could mean buying gardening supplies so you can grow your own produce and cut costs on groceries. Or maybe you want to buy reusable products like cloth diapers or a bidet attachment so you can stop buying throw-away goods. 

Help Others

If you’re in a financially stable situation with a healthy emergency fund, another good use of your stimulus money could be to help others.

Use the extra cash to help a family member or friend in need or donate to a reputable charity. Or you could spend your money at local businesses and restaurants — whether that’s through online orders or purchasing gift cards for future in-person visits.

You don’t have to have a financial surplus, however, to find ways to help others. Donating blood, going grocery shopping for an elderly neighbor or troubleshooting teleworking tech for a friend are all ways you can be of service without spending money.

Feeling overwhelmed? Create a budget that works for you with our budgeting bootcamp!

Nicole Dow is a senior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Paycheck Protection Program (PPP): Forgivable SBA Loans For 2.5x Monthly Payroll



If you are a small business impacted by COVID-19, including self-employed and independent contractors, you have hopefully been following the developments of the Paycheck Protection Program (PPP) and the Economic Injury Disaster Loan Emergency Advance (EIDL) being rolled out by the Small Business Administration (SBA) and U.S. Treasury. Details are still being ironed out, but PPP could cover up to 2.5 months of your payroll costs. Here are some general highlights from the Treasury PPP overview PDF along with some details from the Bank of America PPP application:

Loan Amount = 2.5 times Average Monthly Payroll. “The Paycheck Protection Program provides small businesses with funds to pay up to 8 weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities.” In the Bank of America PPP application, two possible options given were to use 2019 payroll or 2019 1099-MISC totals, and then multiple the average monthly payroll by 2.5. So if you averaged $6,000 per month, you can ask for a loan for $15,000. Income over $100,000 annually per employee isn’t covered. Here are some details:

For purposes of calculating “Average Monthly Payroll”, most Applicants will use the average monthly payroll for 2019, excluding costs over $100,000 on an annualized basis for each employee. For seasonal businesses, the Applicant may elect to instead use average monthly payroll for the time period between February 15, 2019 and June 30, 2019, excluding costs over $100,000 on an annualized basis for each employee. For new businesses, average monthly payroll may be calculated using the time period from January 1, 2020 to February 29, 2020, excluding costs over $100,000 on an annualized basis for each employee.

Fully Forgiven. “Funds are provided in the form of loans that will be fully forgiven when used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.”

In my Bank of America, the details are given that it is a 2-year loan at fixed 1% interest. As noted, payments are deferred for the first 6 months. If you use the money in an eligible manner (see below), it is fully forgiven and not treated as taxable income.

Must Keep Employees on the Payroll—or Rehire Quickly. “Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.” In other words, this is supposed to encourage companies to keep employees and is separate from unemployment insurance.

All Small Businesses Eligible. “Small businesses with 500 or fewer employees—including nonprofits, veterans organizations, tribal concerns, self-employed individuals, sole proprietorships, and independent contractors— are eligible. Businesses with more than 500 employees are eligible in certain industries.”

Businesses are limited to one PPP loan. Each loan will be registered under a Taxpayer Identification Number at the Small Business Administration (SBA) to prevent multiple loans to the same entity. Owners with more than one business may apply for a separate loan for each entity.

Application Dates and Details. “Starting April 3, 2020, small businesses and sole proprietorships can apply. Starting April 10, 2020, independent contractors and self-employed individuals can apply. We encourage you to apply as quickly as you can because there is a funding cap. […] You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating.”

While technically you can apply at any SBA 7(a) lender, as of 4/5 many of them don’t even have any formal application process at all! Bank of America started accepting applications early, but first required both an existing BofA business checking relationship AND a BofA loan relationship as of 2/15/20. They later relaxed the rules to require at least an existing BofA business checking relationship as of 2/15/20. Most banks are limiting the applications to existing clients:

In addition, the US Treasury now has a paper application that you can submit to any eligible lender. I have no idea what will be the best. Small local bank? Mega bank? I would assume that if you have an existing relationship with a bank, they would be able to just deposit the money into your primary business account. But I’ve learned to stop making assumptions in 2020!

The funds are supposed to go out first come, first served, although they may expand the amount available. I’m sure that is not helping the chaos. No documentation was required upfront for BofA, but I would get your payroll documentation ready to submit as soon as they ask for it.

“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone. This email may contain links through which we are compensated when you click on or are approved for offers.”

Paycheck Protection Program (PPP): Forgivable SBA Loans For 2.5x Monthly Payroll from My Money Blog.

Copyright © 2019 All Rights Reserved. Do not re-syndicate without permission.

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HDFC All Miles Credit Card Review



HDFC All Miles Credit Card Rating
Reward Points                      ★★★              
Travel Benefits                     ★★
Annual Fee                           ★★
Offers & Discounts              ★★
 Additional Benefits            ★★★
Paisabazaar’s Rating           ★★★

HDFC All Miles Credit Card lets you earn reward points on every purchase you make. The accumulated points can then be converted to air miles, which can then be used to book flight tickets in the future. This card accelerates reward earning rate thereby facilitating redemption of rewards for air miles. If you are a frequent traveller, this card can be the right choice for you. Hence to make the decision a lot easier for you, we have given a detailed review of the card that will help to decide if this card suits your needs or not.

Key Highlights of HDFC All Miles Credit Card

  • Get 3 reward points for every Rs.150 spend
  • Earn 2X reward points on hotel bookings, mobile recharge and shopping
  • 1% fuel surcharge waiver on all fuel transactions
  • Avail up to 50 days interest-free period
  • Get revolving credit at a nominal interest rate
  • Avail zero liability on lost card
  • Get you annual fee waived off by spending Rs.15,000 within the first 90 days
  • Accidental death insurance cover of up to Rs.50 lakh


Earn Reward Points on every transaction

Save as you travel, shop, dine and more with the HDFC All Miles Credit Card. Here’s what you get with this card-

●3 reward points for every Rs.150 you spend
●2X reward points on hotel bookings, mobile recharge, shopping etc
●Double reward points on transactions made via All Miles website

All the eligible retail transactions let you earn reward points on every purchase made. In this way, you can surely earn rewards at a faster pace. All the accumulated points can then be redeemed and further converted to air miles for future bookings. It can be said that the card is indeed offering decent reward points when compared to other similar cards.

Read more about HDFC Bank Credit Card Reward Points

Fuel Benefits

With this card you can get 1% fuel surcharge waived off on all fuel transactions. For this-

  • Minimum transaction of Rs.400 is required
  • You can get a maximum cashback of Rs.500 per statement cycle

A majority of cards nowadays offer benefits of fuel surcharge waiver. However if you are exclusively looking for fuel benefits, you should look for other cards that prioritise fuel discounts.

Get your Annual Fee waived off

Just by spending Rs.15,000 within the first 90 days of your card opening, you can get your 1st year’s annual fee waived off. You have the option to renew your membership for free just by spending Rs.1 lakh in a year. This is one of the great benefits that this card provides you with.

Enjoy 50 days of interest-free credit

 With this card you can enjoy 50 days of interest-free credit period. However interest rate of 3.49% will be charged on any outstanding amount carried beyond the bill due date.

Avail zero lost card liability facility

If your card is missing or has been stolen, you need to immediately contact your bank’s customer care for card blocking. Once you report the issue, you will not be held responsible for any unauthorized or fraudulent transactions made using your card.

Is Rs.1000 Annual Fee Justified? 

Well it is true to say that if you compare the benefits that the card offers to other similar cards having the same annual fee, this card surely lacks behind. The reward points offered are good but fails to justify the Rs.1000 annual fee. However, for your reference we have listed below the other fees and charges related to this card.

Primary Features Fees / Charges
Annual Fee Rs.1000
Interest Rate 3.49% per month (41.88% p.a.)
Rewards redemption fee Rs.99 per request
Cash advance fee Rs.2.5% of the amount withdrawn subject to a minimum of Rs.500
Late Payment Charges Less than Rs.100: Nil

Rs.100 to Rs.500: 100

Rs.501 to Rs.5,000: Rs.500

Rs.5,001 to Rs.10,000: Rs.600

Rs.10,001 to Rs.25,000: Rs.800

Greater than Rs.25,000: Rs.950

Minimum repayment amount 5% of the outstanding balance or Rs.200, whichever is higher
Reissue of Credit Card Rs.100

Should you go for this card?

The first question that will come to your mind will be whether you should or should not opt for this card. Hence for your convenience, we have laid down certain points that might help you decide whether this card is the best choice for you. The card is best for you if-

  • You frequently book air tickets online
  • You are more inclined towards earning reward points than availing cashback
  • You are not looking for any category specific discount
  • You are not interested in putting major expenses on your card
  • You are not looking for any welcome bonuses

If the above listed points match your requirements, undoubtedly this card is best for you. If the card fails to match your needs, you can look for other similar rewards credit cards with more benefits and comparatively lower annual fee like American Express Membership Rewards, Citi Rewards Domestic and Standard Chartered Landmark Rewards

Limitations of HDFC All Miles Credit Card 

Although the card provides certain benefits to you in the form of reward points and air miles, there are certain drawbacks attached to it. Some of the limitations of this card are-

  1. The reward points are not that great as compared to other HDFC Credit Cards.
  2. The annual fee is not justified in terms of what all benefits the card provides.
  3. There are no discounts on entertainment, shopping or movies.
  4. If you are a shopaholic, this card is definitely not the one for you.
  5. The card does not offer any milestone reward.
  6. No lounge access is provided by the card.
  7. It does not provide any exclusive discount on air ticket bookings.


Bottom Line

Overall, this card is surely not amongst the best credit cards in the market. Although the card offers decent reward points, it still fails to justify the Rs.1000 annual fee. The card does fall behind to provide any category specific discount to you, however the air miles facility is an added advantage. You can surely go for this card if you are a frequent flyer however there are many cards that comparatively provide more benefits that too at the same annual fee.

The post HDFC All Miles Credit Card Review appeared first on Compare & Apply Loans & Credit Cards in India-

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