The Ultimate Guide to Maximizing Credit Card Benefits: Unlock Savings and Perks with Every Swipe!

The Ultimate Guide to Maximizing Credit Card Benefits: Unlock Savings and Perks with Every Swipe!

In today’s fast-paced world, having the right credit card can mean more than just convenience—it can help you save big on everyday expenses and unlock perks tailored to your lifestyle. Whether you're looking for cashback, discounts, or exclusive memberships, a carefully chosen credit card offers it all. 

Here’s why you should consider a credit card designed to meet your spending needs and some ways to maximize its benefits.

Why Choose a Credit Card with Lifestyle Benefits?

A credit card that aligns with your spending habits can help you save more and enjoy benefits in categories you’re already spending on, such as dining, shopping, and travel. With perks like cashback, reward points, and exclusive memberships, the right credit card transforms your spending into value-added experiences.

Here are some top benefits to consider when choosing a lifestyle-oriented credit card:

1. Cashback Rewards

   Imagine getting rewarded every time you dine out, order food, or shop online. Cashback cards let you earn a percentage back on purchases at specific merchants, adding up to significant savings over time.

2. Exclusive Memberships

   Many credit cards offer memberships with popular brands for free or at a discounted rate. These can include streaming services, food delivery memberships, and retail discounts that make frequent expenses more affordable.

3. No Annual Fees 

   A lifetime-free credit card lets you enjoy benefits without worrying about annual charges. It’s a cost-effective choice, especially if you’re starting with credit cards or looking to maximize value without added fees.

4. Boosts Credit Score

   When used responsibly, a credit card helps build a strong credit history. Timely payments and mindful usage increase your credit score, making you eligible for better financial products in the future.

5. Easy Redemption

   Whether you prefer cashback, discounts, or redeeming reward points, make sure your credit card offers an easy way to enjoy your benefits. Simplicity and flexibility in redemption add to the overall experience.

*Introducing a Card That’s Perfect for Foodies and Online Shoppers*

Apply Swiggy HDFC Card Here** ➡️ https://bitli.in/IpdTF8Z

If you’re looking for a credit card that seamlessly fits into your daily lifestyle, the **Swiggy HDFC Credit Card** is a great choice. Not only is it **lifetime free** (with no joining or annual fees), but it also offers some incredible benefits that are hard to ignore:

*3 Months of Free Swiggy Membership*: Enjoy free delivery and exclusive discounts with a complimentary Swiggy membership for the first three months.

  

*10% Cashback on Swiggy*: Earn cashback every time you order your favorite meals, making dining out or ordering in even more enjoyable.

  

*5% Cashback on Top Shopping Platforms*: From Amazon and Flipkart to Myntra and other popular sites, get rewarded for your online shopping with 5% cashback.

With no fees to worry about and a variety of ways to save, this card is a perfect fit for those who enjoy dining out, shopping online, and getting value from every purchase.

**Ready to maximize your spending?**  

Check out the Swiggy HDFC Credit Card and start enjoying rewards tailored to your lifestyle.  

**Apply Here** ➡️ https://bitli.in/IpdTF8Z

Power To Issue Notice For Scrutiny Assessment U/S 143(2) Not Limited To Assessing Officer Or Officers Of NaFAC: Delhi HC

 The Delhi High Court has held that the power to issue notice for scrutiny assessment under Section 143(2) of the Income Tax Act, 1961 is not restricted to the Assessing Officer or the officers of National Faceless Assessment Centre (NaFAC) alone.

As per the statute, a notice for scrutiny assessment under Section 143(2) of the Act can be issued by the “Assessing Officer or the prescribed income-tax authority, as the case may be”

In the case at hand, notice under Section 143(2) of the Act was issued by the Assistant Commissioner of Income Tax/ Deputy Commissioner of Income Tax (International Taxation).

Petitioner assailed this notice on the ground of having been issued without jurisdiction. It submitted that the expression “as the case may be” indicates that in case, where the jurisdiction is vested within the Assessing Officer, that officer alone can issue notice under Section 143(2) of the Act.

It was argued that in such cases, it would not be open for the “prescribed income-tax authority” to issue a notice under Section 143(2) of the Act.

Disagreeing, a division bench of Justices Vibhu Bakhru and Swarana Kanta Sharma held, “A plain reading of Section 143(2) of the Act clearly indicates that either of the two authorities – either the “Assessing Officer” or “the prescribed income-tax authority” – can issue a notice under Section 143(2) of the Act. The expression “as the case may be” also indicates the same.”

Revenue also pointed to notifications issued by the Central Board of Direct Taxes in exercise of powers under Rule 12E of the Income-Tax Rules, 1962, authorizing the Assistant Commissioner of Income Tax/ Deputy Commissioner of Income Tax (International Taxation), to act as the “prescribed income-tax authority” under Section 143(2) of the Act.

The High Court also rejected the contention that other than the Assessing Officer, only the authorized Income Tax Officers of the National Faceless Assessment Centre (NaFAC) can issue a notice under Section 143(2) of the Act.

It held, “This proposition is not supported by the plain language of Section 143(2) of the Act or Rule 12E of the Rules. Rule 12E of the Rules does not confine the power of the CBDT to authorise only the Income Tax Officers of the NaFAC as the prescribed authority for the purposes of Section 142(1) of the Act.”

Accordingly, the petition was dismissed.

GST - Letter of Undertaking (LUT) Filing online

I hope, all are well aware from the fact that as per GST Law, Each Exporter of goods and Services (Not paying IGST at Export) are reuired to file Letter of Undertaking to the Goods and Service Tax Department (GST) as per the Law.

I Hope this article is very useful for all those who are exporting their service like Educational oe Bloggers earning from Google or Facebook or Youtube because these persons are earning frm out of india services.

Recently, the feature of Filing Letter of Undertaking online has been started by the Department. Before that, each one is requires to visit the department and file the LUT offiline.

Following Documents are required to be kept and Information with you while filing LUT online.

1. GST Login ID and Password
2. 2 Witness Details with their Occupation
3. valid Digital Signature Certificate

First of All, you need to login to www.GST.Gov.in and Select the User Services tab.
Second, Now Select Furnish Letter of Undertaking
Now Select the Financial Year and You Can Proceed as per the directions given in the Page. and Submit it with Digital Signature.

If You have previously filed the LUT Offiline then You need to upload the same.

If You have Any Query, You May Call/Email Us @ 9718046555 or visit www.ncagrawal.com

Budget 2016 Highlights ( Changes in Individual Taxes)

Budget 2016 has been presented by honorable Finance Minister on 29th Feb 2016. Budget Highlights of Present budgets are given Below:- 

1. In the Finance Budget 2016, No income tax rebate is given to the individual earning total income above Rs. 5,00,000. However, tax benefit of Rs. 3,000 (Excluding Cess) is given by way of increasing Limit of 87A from Rs. 2000 to 5000.

2. In view to more tax the HNI Taxpayers, Surcharge has been increased from 12% to 15%. Presently surcharge is applicable to taxpayer who are having total income of Rs. 1 Crore or more.

3. In view of the home of each Individual, it is proposed to give a tax benefit of Rs. 50,000 to each individual who have bought the house upto Rs. 50 Lacs and having loan of Rs. 35 Lacs.

4. It is proposed to extend the time of 3 year to 5 year in case of Allowance of Pre construction Interest.

5. It is also proposed to extend the limit of 80GG of Rent expenditure from Rs, 24000 to 60,000


CA Neeraj Bansal

+91-9718046555

Budget 2016 Highlights ( Changes in Individual Taxes):-

1. In the Finance Budget 2016, No income tax rebate is given to the individual earning total income above Rs. 5,00,000. However, tax benefit of Rs. 3,000 (Excluding Cess) is given by way of increasing Limit of 87A from Rs. 2000 to 5000.

2. In view to more tax the HNI Taxpayers, Surcharge has been increased from 12% to 15%. Presently surcharge is applicable to taxpayer who are having total income of Rs. 1 Crore or more.

3. In view of the home of each Individual, it is proposed to give a tax benefit of Rs. 50,000 to each individual who have bought the house upto Rs. 50 Lacs and having loan of Rs. 35 Lacs.

4. It is proposed to extend the time of 3 year to 5 year in case of Allowance of Pre construction Interest.

5. It is also proposed to extend the limit of 80GG of Rent expenditure from Rs, 24000 to 60,000.

Procedure of Company Registration in India as per companies act 2013

Formation of Company in India:

In india, the formation of private/public limited company is governed by the provisions of companies act 2013 which is replaced the companies act 1956. A company is formed by registering the Memorandum and Articles of Association with the State Registrar of Companies of the state in which the main office is to be located.
Following steps are involved for registration of company in india:-
1. Getting DIN of the directors/Subscribers: First step is to get the Director identification Number (DIN). For the application of same, Applicant is required to apply to the ROC for same.

2. Second Step, name is required to be approved by the concerned registrar of companies. Name is approved by the registrar of companies subject to certain restriction like: there should be no existing company with the same name, name should not contain the word like Indian or bhartiya etc which is restricted as per the indian companies act 2013. Name once get approved is valid for 60 days from the date of approval.   

3. Third step, to get drafted MOA and AOA and making other documents. : After name approval, applicant/promoters are required to draft the MOA and AOA of the company. While drafting the MOA and AOA of the company, it is required to be keep in the mind that proper care is taken in the same. Companies act 2013 and related rules are required to be kept in mind. Other Documents like Proof of office address, Affidavit from Directors and Chartered Accountant need to be prepared

4. Fourth Step, Apply to ROC: When all the documents are get ready, then the forms are required to be filed with the concerned ROC online through portal mca.gov.in. After proper verification, the concrned ROC will approved the same and the company will be incorporated. If there is any further information will be required by the Registrar, the same will be intimated to the promoters.Three Forms INC-7, DIR-12 and INC-22 are required to be filed simultaneously.  

Forms required to be Filed to ROC:

For DIN Application                                                DIR-3 (Govt Fee Rs. 500)
For Name Approval                                                  INC-1 (Govt Fee Rs. 1000)
For Application of Incorporation of Company        INC-7  (Govt Fee as per Share Capital)
For Office Registration                                            INC-22
For Directors Appointment                                      DIR-12


If you required further information, you can call or email me or leave in comment here:

CA Neeraj Bansal
9718046555
011-42402041

Digital Signature Certificate (DSC) of E-Mudra @ Rs. 999 only and Income Tax Return (ITR) filing at best price

Dear Users

We are providing the Digital Signature Certificate (DSC) at 999/- only.
We also provides following services at cheap prices in india.

1. Company Registration in 6500 only (Excluding Government fee)
2. Income Tax Filing (ITR) in 500 only
3. Servvice Tax Registration in Delhi at Rs. 4000/- only
4. VAT Registration in Delhi.
5. NGO/Trust Registration in Delhi at 12,000 only
6. TDS/Service Tax Return Filing

We are providing the services at very reasonable and cheap rate. 


For MCA, ROC filing, Class 2 Digital Signature Certificate are required which we are providing at Rs. 999 only.
For tenders, Class 3 three Digital Signature are required which we are providing at Rs. 4499 only.

If you are looking for ITR/Income Tax Return Filing of Salaried and other , Please contact at below:-


You can contact me For Digital Signature Certifiacte (DSC):

Neeraj Bansal

9718046555