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10 High Paying Side Jobs to Make Extra Money – Quick & Easy

Shitanshu Kapadia
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10 High Paying Side Jobs to Make Extra Money – Quick & Easy

Side Jobs

Making extra money is extremely important nowadays. Cost of living is skyrocketing and it is very difficult to survive with the single source of income. If you are also fed up of managing your expense from paycheck to paycheck here are 10 High Paying Side Jobs that will help you to ease out your burden by making extra money.

These side jobs can help you to make extra money by working only for a few hours. The list includes both online and offline part-time jobs. If you have knowledge of IT and the internet you can go for online jobs else, you can opt for offline jobs.

10 High Paying Side Jobs to Make Extra Money

Make Extra Money – Online Jobs

  1. Blogging

Blogging is one of the best side job or business. You can earn a lot of money by doing blogging. There are many examples where people are living their life by doing blogging. Blogging means sharing useful content to the reader online on a website. You can select your own niche and start blogging. You can make money via advertising, affiliate marketing, info products and via other avenues.

  1. YouTuber

YouTuber is next best side job which can help you to earn a lot of money. You have to be creative and technically sound in order to become YouTuber. As a YouTuber, you can earn money via YouTube Channel partner program of advertising. You just need to create unique videos and upload on YouTube.

Also Read – 40 Part Time Jobs from Home Online & Offline

  1. Digital Marketer

Digital Marketer is a very good part-time career option. A task of a digital marketer is marketing of product or services via digital media. There are multiple companies looking for online digital marketer for product and services. It is recommended to do an online digital marketing course before opting for the digital marketer as a career option.

  1. Social Media Specialist

Social Media Specialist is another very good side job option. Social media specialist makes very good money online. The job involves updating Facebook, Twitter and other social sites for companies. Many social media specialist charge per hour basis. So, if you have a couple of clients you can do very well in this part-time job. The key of success is your expertise and networking skills.

  1. Affiliate Marketing

Affiliate marketing is very good side business/job option. In affiliate marketing, you need to become an affiliate of various online store or products to help them to sell their products. You will be paid commission on every sell. It is one of the highest paying side job or business idea.

Also Read – 250 Small Business Ideas with low investment

Make Extra Money – Offline Jobs

  1. Real Estate Agent

Real Estate Agent is a very good part-time profession. It is an offline job. As a real estate agent, you can earn money for buy, sell and rent deal. The commission amount in this business is low. However, if you deal with high-value projects you can a lot of money.

  1. Accountant

Accountant or bookkeeper is another lucrative side job. In this job, you need to manage accounts of the small and medium business. You should be holding commerce degree or holding experience as an accountant. You need to build multiple customers to get quick success.

  1. MLM

MLM is among the topmost highest paid side jobs or business option. MLM is also known as network marketing. This job can be started anytime. The success of this job depends on your networking and convincing skills.

  1. Insurance Agent

You can also make extra money by becoming Insurance Agent. There are many insurance agents that earn a lot of money just by working part-time. Like MLM networking and convincing skills are mandatory to become an insurance agent.

  1. Home Tuition Teacher

If you are a master in teaching skills home tuition is a very good side job. As a tuition teacher, you can earn a lot of money. It is a quick and easy way to make extra money.

Over to You –

I hope the list of highest paying side jobs options will help you in selecting a right part-time job for you.Millions of people are already making extra money from one or more side job options mentioned above, so what are you waiting for start your side job now.

Do share your favourite side jobs in the comments.

7 Credit Cards Against Fixed Deposit

Shitanshu Kapadia
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0
7 Credit Cards Against Fixed Deposit

Credit Cards against fixed deposit is a very good option for people with bad credit history or limited income. People with bad credit history or low credit score struggles a lot to get a credit card. They can opt for Credit Card against a fixed deposit. These type of credit cards are also known as a secured credit card. Secured credit cards are backed by fixed deposit. If card user defaults in paying credit dues bank will use fixed deposit amount to repay dues. The interest applicable to these type of cards is low compared to normal credit card.

If you are planning to apply for credit card against a fixed deposit. Here is a list of 7 credit cards against a fixed deposit.

credit card fixed deposit

Credit Cards Against Fixed Deposit

A credit card against a fixed deposit is a secured credit card, meaning it is issued against the collateral of an FD. If you default on payments, the bank can recover the amount from your deposit. This makes it a great option for individuals with low or no credit scores.

Why Choose a Credit Card Against FD?

  • Easy Approval – No credit history or income proof required.
  • Lower Risk – Your FD acts as the security.
  • Credit Score Improvement – Timely payments boost your creditworthiness.
  • Attractive Benefits – Reward points, cashback, and offers similar to regular credit cards.

7 Credit Cards against Fixed Deposit

1. SBI Advantage Plus Credit Card

Features:

  • Issued against a minimum FD of ₹25,000.
  • Credit limit of up to 85% of the FD value.
  • Interest-free credit period of up to 50 days.
  • Reward points on every transaction.

Why Choose It? Great for frequent shoppers looking for reward points and extended interest-free periods.

2. ICICI Bank Coral Credit Card Against FD

Features:

  • Requires a minimum FD of ₹20,000.
  • 2 reward points on every ₹100 spent.
  • Discounts on dining and movie tickets.
  • Complimentary airport lounge access.

Why Choose It? Perfect for those who enjoy dining out and entertainment perks.

3. HDFC Bank MoneyBack Credit Card Against FD

Features:

  • Minimum FD required: ₹50,000.
  • 2X reward points on online spending.
  • Fuel surcharge waiver.
  • Contactless payment support.

Why Choose It? Ideal for online shoppers who want to earn extra reward points on their purchases.

4. Axis Bank Insta Easy Credit Card

Features:

  • Get up to 80% of FD value as credit limit.
  • Minimum FD of ₹20,000 required.
  • No income proof needed.
  • Flexible EMI options on big purchases.

Why Choose It? Best for individuals looking for flexibility in repayments and easy approval.

5. Kotak 811 Secure Credit Card

Features:

  • Get a card against an FD of just ₹10,000.
  • No joining or annual fee.
  • Attractive cashback offers.
  • 1 reward point per ₹100 spent.

Why Choose It? Best for beginners who want a no-frills, no-fee credit card to start their credit journey.

6. Bank of Baroda Assure Credit Card

Features:

  • Requires a minimum FD of ₹15,000.
  • 1% fuel surcharge waiver.
  • Lifetime free credit card.
  • High credit limit of up to 100% of FD value.

Why Choose It? A great option if you want a lifetime free credit card with high credit limits.

7. IDFC FIRST WOW Credit Card

Features:

  • Get a card against an FD of ₹10,000.
  • Lifetime free card.
  • Earn reward points on every spend.
  • Zero forex markup fees.

Why Choose It? Best for international travelers looking for zero forex charges and global acceptance.

Benefits of Credit card against fixed deposit

  • Instant approval, fewer documents are required to avail this credit card.
  • No income proof is required to avail of this credit card.
  • You will surely get a credit card irrespective of your credit history.
  • Low-interest rate compared to normal credit card options.
  • Fixed deposit interest payment will continue irrespective of credit card usage.
  • It is a win-win product for the bank and the end user.

Drawbacks of Credit card against fixed deposit

  • It is a card offered against your fixed deposit savings.
  • You cannot close your FD unless you clear the credit card dues.
  • Overuse of credit cards and not paying on time will destroy your savings.

How to Apply for a Credit Card Against FD?

Applying for a secured credit card is super easy! Just follow these steps:

  1. Choose a bank – Select a bank that offers the best benefits.
  2. Open an FD – Deposit the required minimum amount in a fixed deposit.
  3. Apply for the card – Submit your application online or at a branch.
  4. Receive your card – Once approved, you’ll get your credit card in a few days.

Things to Keep in Mind Before Applying

1. Interest Rates & Fees

Even though these cards are secured, they still have interest rates on unpaid balances. Always check the terms before applying.

2. Credit Limit

Your credit limit depends on the FD value, usually ranging from 75% to 100% of the deposit.

3. Payment Discipline

Late payments can still impact your credit score. Ensure you clear your dues on time.

4. FD Lock-in Period

Most banks lock your FD for the card’s tenure, meaning you won’t be able to withdraw it prematurely.

Getting a credit card against a fixed deposit is a fantastic way to build or improve your credit score while enjoying the perks of a regular credit card. It’s a win-win situation—you earn interest on your FD while using your card responsibly to gain financial credibility. If you’re new to credit or have faced rejection due to a low score, this could be your best route to financial empowerment!

Remember – Credit cards can be a great tool if used wisely. Make sure to pay your dues on time.

FAQs

1. Can I withdraw my FD if I have a secured credit card?

No, your FD is usually locked until you close your credit card or pay off all dues.

2. What happens if I default on my secured credit card?

The bank will deduct the outstanding amount from your FD, and it may impact your credit score.

3. Do secured credit cards offer the same benefits as regular cards?

Yes! You get cashback, reward points, and other perks, similar to unsecured credit cards.

4. Is there an age limit to apply for a credit card against FD?

Most banks require applicants to be at least 18 years old.

5. Can I upgrade to an unsecured credit card later?

Yes! Many banks offer an upgrade to an unsecured card if you maintain a good repayment history.

6. Can I get a credit card against FD with zero credit score?

Yes, that’s the beauty of it. Since your FD secures the card, banks don’t need a credit score to approve you.

7. How soon will I get the card after applying?

Usually within 7–10 working days, sometimes faster if you apply digitally with pre-approved FDs.

8. Can I earn rewards like a regular credit card?

Absolutely! Many of these cards offer cashback, points, fuel waivers, and even lounge access.

9. What if I already have a credit card?

You can still apply for a secured card — it won’t hurt. In fact, it might improve your credit utilization ratio.

10. Can I convert large spends into EMI?

Yes, most secured credit cards allow EMI conversion for purchases over a certain amount. It’s perfect for managing big expenses.

How to generate Aadhaar Virtual ID – Key Features Benefits

Shitanshu Kapadia
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0
How to generate Aadhaar Virtual ID – Key Features Benefits

Aadhaar Virtual ID

Aadhaar Virtual ID is an alternative to Aadhaar Number. It is a 16-digit code generated against Aadhaar Number. It is also known as VID. You must be thinking that what is a need of generating Aadhaar Virtual ID?  Well, there are numbers of cases where claims of Aadhaar data leakage is made. The leaked Aadhaar data can be misused in doing fraud transactions. In order to prevent that UIDAI has launched facility of virtual ID. It is advisable to share VID instead of Aadhaar Number. Agencies can perform Aadhaar authentication by using VID without retrieval of Aadhaar number. This eliminates the need for sharing Aadhaar number and thus Aadhaar information will remain safe from being hacked.

After taking a look at the need of generating Aadhaar Virtual ID. Let’s take a look at key features benefits and process of generating Aadhaar Virtual ID.

Also Read – How to Download Aadhaar Update History from UIDAI website?

Key Features of Aadhaar Virtual ID

  • The virtual ID is a temporary 16-digit code that replaces Aadhaar for authentication.
  • Only one virtual ID shall be issued at a time. Once you create new VID, the old one will be flushed out.
  • Although VID is linked with Aadhaar, one cannot retrieve Aadhaar Number using virtual ID.
  • It is not mandatory to generate Aadhaar VID. One can use Aadhaar Number also.
  • The generated VID will be sent to the registered mobile number.
  • Consent of user is required for authentication using VID.
  • Agency is not authorized to store VID or any other information about Aadhaar.
  • One can generate virtual ID number of times, there is no restriction.

Benefits of Aadhaar Virtual ID

  1. Access to only required data which is essential for authentication.
  2. Peace of mind that Aadhaar data is secured.
  3. It is easy to generate Virtual ID from UIDAI website. It can be generated anytime, anywhere.
  4. Once new ID is generated old ID is flushed out.
  5. It makes the work a little simpler for the organizations for the KYC purpose.

Also Read – How to Link Aadhaar with Mutual Funds Online?

How to generate Aadhaar Virtual ID?

The process of generating Virtual ID is very simple. It can be generated anytime by visiting UIDAI website. In order to use this facility, you need to link your Mobile number with Aadhaar. If you have not linked your Mobile with Aadhaar you will not able to use this facility. Virtual ID generated from UIDAI website will be sent to registered mobile number as SMS.

The process for generating and retrieving a virtual ID is same. To generate the Aadhaar virtual ID, you can follow steps given below.

Step 1 – Visit UIDIA website at https://uidia.gov.in

Step 2 – Click on Virtual ID (VID) generator link available under Aadhaar Services.

Virtual ID Generator

Step 3 – You will be taken to new VID generation page.

Step 4 – Enter 12 Digit Aadhaar Number and security code.

Step 5 – Click on Send OTP button.

Step 6 – An OTP will be sent to your mobile number registered with Aadhaar Number.

Aadhaar Virtual ID

Step 7 – Enter OTP and select option “Generate VID” or “Retrieve VID”. After selecting option click on submit button. A success message will be displayed on screen about the generation of VID.

Step 8 – You will get SMS on your registered mobile number mentioning 16-digit Virtual ID along with last four digits of Aadhaar.

Takeaway

It is wonderful facility launched by UIDIA to eliminate sharing of Aadhaar. VID will surely help in securing Aadhaar data. It is highly recommended to use this facility.

Please feel free to share your recommendation and experience in the comment section.

Buying a Health Insurance – 15 Key Factors to Consider

Shitanshu Kapadia
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0
Buying a Health Insurance – 15 Key Factors to Consider

health insurance

Let’s assume you are buying a health insurance policy for yourself and your family. Obviously, you would like to select “Best health insurance policy” available in the market. But, how you will zero down to best health insurance policy? There are multiple health insurance companies which offer several options and choices. Jargons dealing with health insurance policies are confusing. If you are not careful in making a sensible choice you may end up putting your and your’ s family health at risk. In order to help you Here are 15 Key Factors to consider while buying a Health Insurance.

Buying a Health Insurance – 15 Key Factors to Consider

Claim Process

A claim process and time required for settlement plays a vital role while selecting health insurance policy. A process of claiming should be simpler. It should offer cashless benefit. A good customer support is an additional advantage you should look for.

Waiting Period

The waiting period is a time you have to wait before you can apply claim for the pre-existing disease. All health insurances have a waiting period regardless of brand. The waiting period varies from policy to policy. You should confirm with a provider about wait period. This will ease out when you want to raise a claim for a pre-existing disease.

Also Read – Best Health Insurance Plans in India

Lifetime Renewal

Lifetime renewal is another important factor to consider while buying a health insurance. There are many insurance policies where renewability is limited only up to 60-70 years. One should give higher weight to a policy which offers lifetime renewal facility. It is known fact that requirement of health insurance is higher in the old age, so it is better to purchase health insurance with lifetime renewal in the young age.

Room Rent Cap

Another crucial factor for the consideration is room rent charges. In case of hospitalization, it is obvious that you will be opting for a room at the hospital. A facility included in the room is charged.

It is recommended to select a policy which allows higher room amount. If a policy is purchased with some limited amount you need to pay the additional amount from your pocket.

Claim Ratio

A claim settlement ratio is another important factor for the consideration. There are several examples where an insurance claim is delayed or rejected by the insurance company. In order to avoid such situation, it is better to do a background research and study about IRDA claim settlement ratio. A higher claim settlement ratio helps you to build trust in the insurance company. It also gives comfort that you will not have any issue in settlement of the claim.

Network Hospitals

One should go through the detail of associated cashless hospital network while purchasing a health insurance. At the time of medical emergency cashless option plays a vital role as claim settlement take place directly with the insurer.

Maternity Benefits

Very few medical insurance policies offer whole maternity benefits. If you are recently married or expecting a child in future, you should check for available maternity benefit with the insurance policy. A cost of pregnancy is increasing maternity benefit provide help to withstand the cost.

Sub Limit

Sub Limit is a monetary cap that insurer places on health insurance claim. Sub Limits are applicable to hospital room rent, doctor’s consultant charges, ambulance charges and other medical procedure. The applicable sub-limit should be higher or health insurance should be without sub-limit.

Pre/Post Hospitalization

Another important factor to consider is pre and post hospitalization expenses. It is generally observed that medical treatment and medicine is required pre and post hospitalization. It is advisable to choose an insurance plan which covers pre/post hospitalization expenses.

Critical illness Coverage

Critical illness is diseases that can lead to permanent disability or death. Some examples of such diseases are cancer, kidney failure, paralysis, strokes etc. You need to make sure that these types of critical illness are covered in health insurance policy.

Sum Assured Restoration

Sum Assured Restoration is new services offered by many health insurance companies. If you have consumed entire sum assured within policy annual term, health insurer restores it for other disease or for another family member. If possible, opt for this feature. However, please note that premium for this facility is higher.

OPD Expense  

OPD Expense coverage is another factor. If your OPD expense is high, you should consider this feature while buying a health insurance. OPD expense means expense incurred for doctor’s fees, consultation charges, cost of medicine etc. You don’t need to be hospitalized to make this claim.

Also Read – Health Insurance Plans for NRI in India

Dental Treatment

A treatment of dentist is expensive in nature. Your health plan should give complete coverage including dental treatment cover.

No Claim Bonus

If you don’t file a claim for the longer duration, you will be eligible for No Claim Bonus. The bonus could be in terms of reduction in the premium amount or increase in coverage. You can consider this feature while evaluating health insurance.

Individual or Family Floater

The last factor for consideration is to opt for Individual or family floater plan. A family floater plan covers more than one family member for fixed cover. The entire coverage amount is shared by a family for the specific year. It is less expensive policy and suitable for younger family with less health risk. If your health risk is higher you will need individual health cover.

I hope 15 factors mentioned above will help you in selecting best health insurance policy.

If you have any queries about a selection of health insurance, please post it into the comment section.

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