Holiday gifting always isn’t just about getting the best deals and discounts – make sure you are utilizing your money in the most effective way

10th December 2019: Winters are here and the holiday season is just around the corner. Soon people will get on to planning what to buy for their loved ones, vacillating between this option and that. This dilemma notwithstanding, one thing is certain: settling for anything less than the best is not an option. After all, buying presents for near and dear ones is a matter of joy forever. The tradition of exchanging gift-wrapped happiness is as old as time itself and cuts across all cultural and geographical boundaries. It is a universally acknowledged and equally appreciated way of expressing our feelings in all its colors, be it love, joy, affection, or gratitude. However, exciting as it is to home into the best possible present, planning to do so within a budget is equal parts taxing and daunting. 

There are hundreds of things that we have to keep in mind before spending extra bucks, such as whether the value it will deliver is worth the risk. At the end of the year, the financial stress can leave you feeling like you don’t get your money’s worth, especially when you happen to overshoot your budget. Here, then, are a few payment apps that you can use before going ahead with your purchases to maintain your budget while shopping in a hassle-free and risk-adjusted manner.

1. Twid –  India’s most innovative Fintech startup and it’s a Rewards based Payment App that aggregates & join multiple loyalty/ reward points enabling an individual to use them to pay at offline and online stores for their daily spends. These rewards get accumulated into the account of a user but are usually unnoticed by them and there’s hardly any meaningful option to spend on. Inspired by this realization, Twid was established as a mobile-first payments platform that facilitates the consumers to utilize these accumulated reward points by making payments at the leading online & offline platforms. The app (currently available on Google Play) has deep integrated partnerships with banks, retailers, dining, travel, online platforms and much more. It allows the user to keep track of all their loyalty memberships, total accumulated points, their worth, expiry date, transaction history, etc. 

2. Paytm – Paytm is India’s largest leading payment gateway that offers comprehensive payment services for customers and merchants. It allows you to transfer cash into the integrated wallet via online banking, debit cards, and credit cards, or even by depositing cash via select banks and partners. Using the money in the Paytm wallet, you can pay for a number of goods without using cash. In order to make the festival more exciting, the app rollouts several cash back offers. On the occasion of Diwali, 26th Jan, 15th August, Holi, New Year, and Christmas, you will witness mega sale on the app.The splendid service of Paytm mobile app is so smooth that you can use it anywhere, anytime.

3. Google Pay – Google has made online payments a whole lot easier. Google Pay (stylized as G Pay; formerly Pay with Google and Android Pay) is a digital wallet platform and online payment system developed by Google to power in-app and tap-to-pay purchases on mobile devices, enabling users to make payments with Android phones, tablets or watches. It helps you to do a hassle free transaction for anything. The burden of adding account details and many more is finally not there. Google Pay is one app that provides you with many ways to make your customers’ buying experience faster, more convenient, and more rewarding. Google coupons allow you to grab some pretty cool bargain deals and discounts. Even better, the app can provide discounts from nearby businesses according to the users specific location!

4. Freecharge – Free-charge is one of India’s leading payments app. Consumers can use it for making postpaid, prepaid, metro recharge, DTH and other utility payments across the country. Free-charge aims to make payments effortless, quick and hassle free. It is just like using your plastic cards in a digital form. All the transactions and payments can be made through your smartphone, tablet or smartwatch. You can use it for making quick purchases and pay or receive payments at online and offline stores. Free-charge ensures its customers have a safe and secure experience.

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