save bucks while shopping

IRCTC Transaction Charges Details

2009-09-08T08:55:00.000-07:00

Transaction Charges Details

	Payment by Credit Cards
	AXIS PG	For all Master / Visa credit and Debit cards (If enabled by card Issuer). Transaction charges of 1.65%
	ICICI PG	For all MASTER / VISA Credit Cards (Not International Credit Cards) / HDFC, ICICI, AXIS,SBI,Deutsche Bank,KVB(Karur Vysya Bank) Visa debit cards. Transaction Charges 1.8%
	HDFC PG	For all MASTER / VISA Credit Cards (Not International Credit Cards) / HDFC,AXIS,SBI,Deutsche Bank,KVB(Karur Vysya Bank) Visa debit cards. Transaction Charges 1.8%
	CITI PG	For all MASTER / VISA / DINERS CLUB CREDIT CARDS / HDFC,AXIS,SBI,Deutsche Bank,KVB(Karur Vysya Bank) Visa debit cards. Transaction Charges 1.8%
	American express	For all credit cards issued by American Express. Transaction Charges 1.8%
	Payment by Credit Cards EMI Option
	ICICI BANK EMI	Pay in 3 installments with your ICICI Bank Credit Cards. Transaction charges 4.65%.
	CITI Bank EMI	Pay in 3 installments with your Citibank/Diners Club Credit Cards. Transaction charges 2.8%.
	Payment by Direct Debit Facility
	Canara Bank	Transaction Charges of Rs. 10/-
	HDFC Bank	Transaction Charges of Rs. 10/- + service tax and education cess as applicable
	ICICI BANK	Transaction Charges of Rs. 10/-+Service Tax as applicable
	Citibank	Transaction charges of Rs.10/-
	AXIS Bank	Transaction Charge of Rs.10/- + taxes per transaction
	ABN Amro Bank	Transaction Charge NIL
	IDBI Bank	Transaction charges of Rs.10/-
	Bank of Punjab	Transaction Charge NIL
	Centurion Bank	Transaction Charge NIL
	SBI ATM-cum-Debit Card	Transaction charges of Rs.10/-
	State Bank of India	Transaction charges of Rs.10/-
	PNB-Net Banking	Transaction Charge NIL
	PNB-Debit Card	Transaction charges of Rs.10/
	Federal Bank	Transaction Charge NIL
	Syndicate Bank	Transaction Charge NIL
	Indusind Bank	Transaction Charge NIL
	Karnataka Bank	Transaction Charge NIL
	Andhra Bank	Transaction charges of Rs.10/-
	Corporation Bank	Transaction charges of Rs12/ per transaction
	Bank of India	Transaction Charge NIL
	Rajasthan Bank	Transaction Charge Rs. 15
	Indian Bank	Transaction Charges of Rs. 10/-
	SBI Associates	Transaction Charge Rs. 10 per Transaction
	Oriental bank of commerce	Transaction charges of Rs.10/- At selected branches of OBC
	Union Bank Of India	Transaction Charge NIL
	Bank of Baroda	Transaction Charge NIL
	Payment by Cash Cards
	ITZ Cash Card	Transaction charges of 1 %
	Done Cash Card	Transaction Charge of Rs. 5/-
	I Cash Card	Transaction charges of RS. 2.50/- per transaction

Use Credit Cards...Carefully

2009-05-29T05:16:00.000-07:00

Presumption : Smartness.

Advantages :

Save Money
Cash Back, Reward Points, Varios deals...different means to same end.
Convenience & Quick
Cash Less Transaction, Online Cancellations of Tickets. Time-value-of-money is u count.
Environment Friendly
U save a lot of Paper.

Precautions:

Only for the Literates
Those who can read fine print
1. Interest Rates
2. Credit-Free Period
3. Late Payment Fees
4. Mode of Re-payment : If Cheque Drop boxes at ATM r abundant
Not for the carefree
So that chances of it getting lost/stolen are minimal

More analysis
Find Card that suits u
Plenty of web-sites to help u do that
example

If u spend a lot on petrol....have Citi-Indian oil card
MOvies : StanChart Manhattan Card
Shopping : HDFC-Spencer card
Basically go for TIE-UP cards

Use Food Coupons

2009-05-29T04:57:00.000-07:00

The aforementioned are available at quite many big organisations, esp in IT domain like TCS. The various brands available are ACCOR, SODEXO etc

Advantages :

Saving Income-Tax: Depending on which Tax-slab u fall.

U end up saving Rs1(10% Tax Slab) to Rs 3(30% Tax Slab) on every 100 bucks u spend since such spending is Tax Free.

Adding to Govt Income/ Avoiding Sales Tax theft
Such vendors as above are usually Retail Chains like Spencer which have to maintain sound account books. So they pay their taxes unlike ur neighborhood arnd-d-coner grocery story
Getting Deals & Offers on Products
All Retails chains compete to find the best deals for their clients. Step-In & Check for urslf.

What U Can Buy

All the Food Products including Cigareets
Paying Restaurant Bills.(excluding liquor bill, that is)

What u can NOT buy

Alcohalic Beverages
Kitchen Ware
Linen, Clothes

Where To Buy

All Major Retail Chains : Big Bazzar, Spencer
Some Neighbourhood Shops(List on Coupons Providers' WebSite)

"Bada Hai To behtar hai"...NOT neccessarily so!!

2009-05-29T04:45:00.000-07:00

Date : 29 May '09
Oflate, there is a new concept of chargin more margins from clients with greater disposable income. Meaning, cost per unit quantity is lesses for SMALLER packs in some cases!!

List of Products that observe above principle:
Shampoo -- Sachet cheaper than bottles
Dairy whitner -- Amulya
Tea -- Red Label, Tata Gold

Note : This principle holds ONLY above products, for rest its usually cheaper to buy bigger packs.

Example :
Product : Amulya Diary whitner
Cost for 200g is 42 ==> Cost per Unit = 0.21 !
Cost for 50g is 10 => Cost per Unit = 0.2 !!
=> U can buy 4 packs of 50g instead of 1 pack of 200g to save Rs 2.