AU Small Finance Bank (AU SFB) has officially launched its ‘AU KOSMO Credit Card’, a credit card based on UPI (Unified Payments Interface) in partnership with Kiwi, a leading ‘Credit on UPI’ platform.UPI is fast emerging as the preferred payment option for credit cards now. In August 2025, UPI P2M (Person-to-Merchant) payments saw a 26% year-on-year growth, crossing ₹7.2 lakh crore in value. RuPay’s credit card market share has also grown significantly, rising from 3% in FY23 (2022-23) to nearly 12% in FY25 ...

Best of both partiesCo-branded In India, such partnerships are still relatively rare. The first one was between Jet Airways and Citibank, dating back to 2003. Since then, many other banks and airlines have launched similar programs, offering attractive perks to airline customers to encourage daily engagement and hoping they stay loyal even if another airline approaches them. Most recently, Vistara had co-branded partnerships that encouraged people to fly with the airline frequently. These partnerships are e ...

The first checkpoint is the actual cut in retail prices of various products from processed foods and hair oil to air-conditioners and small cars that will attract lower goods and services tax (GST) from Monday, they said."We will be watching out for the extent of pass-through of lower GST to prices, how inventory management takes place and how firms cope with stranded taxes, if any," said Aditi Nayar, chief economist at Gaura Sengupta, chief economist at "We will see how fast-moving consumer goods (FMCG) c ...

IIT招聘趋势 - 印度理工学院(IIT)孟买、德里、马德拉斯、克勒格布尔、坎普尔、BHU和鲁尔基分校招聘季全面启动 recruiter registrations across the board[1] - 高频交易公司Jane Street、Graviton Research Capital、Hudson River Trading、Millennium Management和Da Vinci Derivatives成为IIT常驻招聘机构[3] - 软件、人工智能、金融、半导体和核心工程公司积极招聘数据密集型岗位[5] - IIT BHU预计今年将超过去年1405份录用通知的成绩[5] - 各分校通过展示前沿研究成果、加强核心行业岗位推广、组织模拟面试及 aptitude tests吸引企业[6] 软银战略调整 - 软银愿景基金全球裁员20% staff globally[16] 转向大规模人工智能基础设施投资[8] - 投资97亿美元于OpenAI[8] 并收购英伟达和英特尔股份以强化AI生态[16] - 启动5000亿美元Stargate项目[16] 但遭遇项目延迟[16] - 在印度从成长/晚期科技投资者转型为直接资产收购方[8] - 2023年第一季度净利润达28.7亿美元[16] 为2021年中以来最佳表现[16] 企业并购动态 - 房地产服务公司TCC Concept签署条款书拟100%收购家居电商Pepperfry[9] 交易金额与时间未披露[9] - Pepperfry 2024财年运营收入下降30.6%至18.89亿卢比[10] 亏损减少37.4%至11.74亿卢比[10] - 该公司曾筹备2.5-3亿美元IPO但推迟上市[10] 2023年6月从现有投资者募资4.33亿卢比[16] 跨境支付创新 - 俄罗斯Sberbank与印度支付应用Cheq合作[12] 推出基于UPI二维码的支付系统[16] - 俄罗斯游客可通过护照和印度签证注册Cheq应用[12] 经线下代理验证后通过Sberbank Online充值[12] - 服务覆盖印度所有主要城市[12] 突破Visa/Mastercard对俄罗斯的制裁限制[16] - Cheq是NPCI旗下UPI OneWorld计划许可机构之一[11] 数据保护立法 - 印度《数字个人数据保护法》(DPDP)将于2025年9月28日前完成规则制定[14] - 法律框架涵盖儿童数据处理、跨境数据传输及数据保护委员会设立[15] - 2022年11月发布草案征求意见[15] 2023年8月获议会通过及总统批准[15] - 2025年1月开放规则草案公众评议[15] 6月举行利益相关方研讨会[15]

The yield on the 10-year benchmark ended at 6.4885%, after closing at 6.5139% on Thursday. The yield rose marginally on the week, after climbing 2 basis points last week. Yields move inversely to prices. The Federal Reserve reduced interest rates by 25 bps and indicated 50 bps of more cuts in 2025. However, Chair Jerome Powell said the Fed will be in a "meeting-by-meeting situation" regarding the rate cut outlook, and framed the move as a risk-management cut. This indicates that the rate cut cycle may not ...

The Indian equity market has witnessed sharp swings over the past year, but the last six months have seen a notable rebound, particularly from March 2025, after a steep correction from the late-September 2024 peak through early March 2025. During this six-month period ending September 17, 2025, the Nifty 50 Total Return Index (TRI) advanced 14 per cent, while the Nifty Midcap 150 TRI and Nifty Smallcap 250 TRI gained 21 per cent and 24 per cent, respectively.This rebound coincided with steady mutual fund in ...

汇率市场表现 - 印度卢比兑美元汇率下跌32派士，收于88.13，前一收盘价为87.8150 [1][5] - 此次下跌结束了卢比连续四个交易日的上涨势头 [5] - 卢比下跌主要受亚洲货币普遍走弱以及投资者评估美联储政策利率路径影响 [5] 美联储政策影响 - 美联储将基准利率下调25个基点至4.00%-4.25%，符合市场预期 [5] - 利率决议后美元一度走弱，但因美联储主席鲍威尔表态谨慎以及"点阵图"预示2026年仅有一次降息而反弹 [2][5] - 分析师预期美元弱势可能持续，因2026年的降息周期可能比预测的单次降息更深入 [4][5] 印度与美国贸易关系 - 印度首席经济顾问对在未来两个月内解决印美关税争端表示信心，惩罚性关税可能被撤销 [5] - 双方正在商讨将互惠关税从25%降至约15%，此举为出口商带来乐观情绪 [5] 国内市场关注点 - 投资者的注意力回到美国关税问题以及股市外资流入疲弱上，这对卢比构成主要拖累 [5] - 关税对增长和通胀的影响随着企业将成本转嫁给消费者而变得更明显，加之就业市场疲软，对消费者需求构成下行风险 [5]

Credit Cards: South Korean credit card company Lotte Card, controlled by private equity fund MBK, said that the personal data of 2.97 million customers has been leaked as a result of a hacking attack, reported Reuters. Lotte Card was set up in Dec 2002 as a technical and business company licensed by American Express and Lotte Department Store, its Wikipedia page shows.Among the credit card customers who had been affected, some 280,000 had sensitive data leaked that could be abused for card fraud, Lotte Card ...

信用卡逾期定义与后果 - 信用卡逾期指持卡人未能在到期日前支付信用卡账单的最低还款额[1] - 还款延迟超过30天可能导致罚金和适用利率上调[2] - 逾期情况会被发卡行上报至信用机构（如CIBIL、CRIF High Mark、Experian、Equifax）这类报告被称为硬查询报告会显著降低借款人的可信度和信用评分[3] - 持续错过还款可能使逾期账户升级为违约导致潜在的法律纠纷和通知并对借款人的信用档案造成决定性长期损害此类借款人通常被贷款机构列入黑名单[4] - 未偿还金额如信用卡账单个人贷款EMI或住房贷款EMI会产生高利率并持续复利计息使还款更加困难[5] 逾期对经济的影响 - 该国近期信用卡逾期金额大幅飙升截至2025年3月信用卡相关逾期额同比增长44%达到惊人的33886亿卢比[6] - 信用卡逾期上升通常是经济面临更广泛压力的明确信号表明对债务的过度依赖以满足日常需求[6] - 这种情况下银行通常会收紧信贷发放标准即使对无抵押贷款施加的权重也会间接影响消费者的借贷成本[7] 应对逾期的建议措施 - 制定并坚持月度预算合理规划并记录所有收支以保持控制[10] - 设置自动付款或日历提醒确保在到期日前完成所有待处理贷款支付防止债务累积[10] - 优先处理高息债务信用卡账单和住房贷款EMI应及时还款[10] - 与发卡行保持开放透明的沟通以讨论付款重组困难计划或到期日调整等相关条款[10] - 在现有欠款结清前避免进一步的信用卡消费以防止债务循环加深和复杂化[10] - 任何信用卡决策应在进行适当的尽职调查并与认证财务顾问讨论后做出持卡人应始终专注于按时还款定期检查对账单和信用档案[12]

印度航空市场概况 - 2025年7月印度国内航空公司载客量达1260万人次[1] - IndiGo航空以821.5万乘客量占据65.20%市场份额[1] 联名信用卡产品特性 - 由IDFC FIRST银行与IndiGo航空联合发行的联名信用卡[3] - 提供Mastercard和RuPay双卡版本并共享信用额度[4] - 外币交易手续费仅1.49% 显著低于行业3.5%平均水平[12] 会籍费用结构 - 加入费用4,999卢比+税费 可获5,000BluChips代金券及餐券[5] - 替代方案可通过10万卢比定存免缴加入费用[5] - 年度续约费4,999卢比+税费 续约可获得5,000BluChips代金券及餐券[6] 奖励积分机制 - 通过IndiGo官方渠道订票每100卢比消费可获得6BluChips[8] - UPI交易每100卢比可获得0.5BluChips[8] - 保险/公用事业/燃油等消费每100卢比可获得0.5BluChips[8] - 其他合格消费每100卢比可获得3BluChips[8] - 年度消费达20万卢比可获5,000BluChips奖励券[8] - 年度消费达50万/80万/100万/120万卢比均可额外获得5,000BluChips奖励券[8] - 年度最高可获得25,000BluChips奖励券[7] 积分加速计划 - 结合忠诚度计划最高每100卢比消费可获得22BluChips[9][16] - 包含6BluChips基础积分+12BluChips渠道奖励+4BluChips会员等级奖励[16] 积分兑换规则 - 积分可用于国内及国际航班预订[9] - 支持积分与现金组合支付方式[10] - 无航班日期使用限制[11] - 经济舱和伸展舱均可使用积分兑换[11] 特殊客群服务 - 支持通过定存担保方式申请信用卡[13] - 定存期间资金不可提取 到期自动续存[14] - 为信用记录不足用户提供建立信用评分途径[14] 目标客群定位 - 主要面向IndiGo航空常旅客设计[15] - 适合年消费量较高的频繁飞行用户[17] - 通过积分兑换可实现免费航班预订[17]