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Entry-Level Credit Cards:
- SBI Cashback Card: Offers up to 5% cashback on online spends¹.
- Axis ACE: Provides 2% cashback as a statement credit¹.
- Amex MRCC: Great for gold collection and points transfers¹.
- ICICI Amazon Pay: Gives a 5% return on Amazon spends¹.
Premium Credit Cards:
- HDFC Regalia Gold: Ideal for lifestyle with a touch of luxury¹.
- Amex Gold Charge: Access to Amex Offers and bonus points¹.
- Yes First Reserve: A premium card with exclusive benefits¹.
Travel Credit Cards:
- Axis Atlas: Excellent for travel enthusiasts¹.
- Amex Platinum Travel: Offers travel-related perks¹.
- HDFC Marriott Bonvoy: Great for hotel stays¹.
Airline Credit Cards:
- Vistara Infinite: Perfect for Vistara airline travelers¹.
- IDFC Vistara: Another good option for Vistara flights¹.
- SBI Air India Signature: Tailored for Air India flyers¹.
Super Premium Credit Cards:
- Axis Magnus for Burgundy: High-end luxury card¹.
- HDFC Infinia: Top-tier card with exclusive privileges¹.
- Yes Bank Marquee: Ultra-premium card for high-net-worth individuals¹.
Best Ecommerce Credit Card:
- Flipkart Axis Bank Credit Card | 5% Unlimited Cashback
- Amazon Pay ICICI Bank Credit Card | 5% Unlimited Cashback

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Unit-Linked Insurance Plans (ULIPs):
- ULIPs combine life insurance coverage with investment options. A portion of your premium goes toward life coverage, while the rest is invested in equity, debt, or hybrid funds.
- ULIPs offer flexibility to switch between funds based on market conditions.
- Keep in mind that charges associated with ULIPs can impact returns, so compare different plans before investing.
Endowment Plans:
- Endowment plans provide both insurance coverage and savings.
- Premiums paid accumulate over the policy term and are returned as a lump sum (along with bonuses) at maturity.
- These plans are relatively low-risk but may offer moderate returns.
Term Insurance with Return of Premium (TROP):
- TROP policies provide pure life insurance coverage.
- If you survive the policy term, all the premiums paid are returned to you.
- While not a traditional investment, it ensures that you get back the premiums if you outlive the policy.
Money-Back Policies:
- Money-back policies offer periodic payouts during the policy term.
- A percentage of the sum assured is paid out at regular intervals.
- These policies provide liquidity and can be considered a form of forced savings.
Public Provident Fund (PPF):
- Although not strictly an insurance policy, PPF is a government-backed savings scheme.
- It offers tax benefits and has a lock-in period of 15 years.
- The interest earned is tax-free, making it an attractive long-term investment option.
National Savings Certificate (NSC):
- NSC is a fixed-income investment offered by the Indian government.
- It has a fixed tenure (usually 5 or 10 years) and provides guaranteed returns.
- Interest earned is taxable, but you can reinvest it to save on taxes.

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