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.