Gaurav Nishant

Hi! I'm Gaurav, a Software Engineer by profession and a credit card enthusiast by heart. I love earning reward points and cashbacks from credit cards and giving 'gyaan' on credit cards and personal finance.

Is Home Loan Insurance Mandatory?

Is Home loan insurance mandatory | Financenerd

What is Home Loan Insurance Policy? Is it really mandatory to take it when you are getting a home loan? Let us understand in this post how the bankers misguide the borrowers and force them to purchase the Home loan Insurance and what are the other better alternatives you have.

American Express Global Membership

American Express Bluecash Preferred

American Express provides Global Relationship to its cardholders which enables you to get a new Amex Credit Card if you move to a new country of residence, given you are already an Amex Card holder in your old country.

American Express SmartEarn Credit Card Review

Amex SmartEarn

American Express SmartEarn Credit Card Review Amex SmartEarn Credit Card is another entry level card from American Express targeted mainly for low to mid income range people. Just like MRCC (Membership rewards Credit card), this is also an entry level Credit card with decent returns if used properly. However, to maximize the benefits of this card, you need …

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Gratuity – Eligibility, Calculation and Tax

Gratuity: Eligibility, Calculation and Tax

Gratuity is an amount paid by an employer to his/her employee in exchange for the services provided by the employee to the employer. This is governed by the Payment of Gratuity Act, 1972, and is paid only to the employees who have completed at least 5 years in the organisation. I