Use CREDIT CARDS to SAVE Money! | Ankur Warikoo Hindi

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  • čas přidán 12. 03. 2024
  • Check out and apply for the credit cards here: bit.ly/48RvdMn
    This video comes with notes, check here: bit.ly/4ckPZXI
    In this insightful discussion, we delve into the prudent use of credit cards as a tool for maximizing financial benefits and ensuring peace of mind. From cashback rewards to travel perks, we explore the advantages offered by credit cards and how you can make the most of them to optimize your spending.
    Discover the top credit cards in the market and learn the key criteria for selecting the best one to suit your unique financial needs and lifestyle. Whether you're looking for generous rewards, low-interest rates, or robust security features, we've got you covered.
    Don't miss out on this opportunity to unlock the full potential of your credit cards and take control of your finances. Tune in now to learn how to save money, earn rewards, and enjoy greater financial flexibility with the right credit card strategy.
    #CreditCards #FinancialTips #warikoo
    ------------------------------------------------------------------------------------------------------------------------------
    Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/
    SIP in Stocks with FREE* Demat A/c on INDmoney: indmoney.onelink.me/RmHC/x3g6...
    My Money Apps: bit.ly/3Zg56eR
    My bestselling books:
    ‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
    ‘Do Epic Shit’: ankurwarikoo.com/doepicshit
    My gear for shooting this video:
    🎥 Sony a7III camera: bit.ly/3M42wAV
    🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
    🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
    🔆 Fill Light 60W: bit.ly/37aJolP
    💡 Key Light 150W: bit.ly/3O9nyjs
    📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
    Useful links:
    20 books for your 20s: bit.ly/WarikooBooks
    20 online courses for your 20s: bit.ly/WarikooOnlineCourses
    Gadgets that I use: bit.ly/WarikooGadgets
    The above links are on Amazon.
    If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
    Let’s connect online:
    🎙 My weekly podcast Woice with warikoo (Spotify): open.spotify.com/show/1g7wpoq...
    📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.com/newsletter/
    📱 Instagram: / ankurwarikoo
    🐦 Twitter: / warikoo
    👨🏻‍💻 LinkedIn: / warikoo
    😄 Facebook: / awarikoo
    🖋 Daily Blog: ankurwarikoo.com/blog/

Komentáře • 284

  • @warikoo
    @warikoo  Před 2 měsíci +16

    Check out and apply for the credit cards here: bit.ly/48RvdMn
    Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/
    My Money Apps: bit.ly/3Zg56eR
    My bestselling books:
    ‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
    ‘Do Epic Shit’: ankurwarikoo.com/doepicshit
    My gear for shooting this video:
    🎥 Sony a7III camera: bit.ly/3M42wAV
    🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
    🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
    🔆 Fill Light 60W: bit.ly/37aJolP
    💡 Key Light 150W: bit.ly/3O9nyjs
    📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
    Useful links:
    20 books for your 20s: bit.ly/WarikooBooks
    20 online courses for your 20s: bit.ly/WarikooOnlineCourses
    Gadgets that I use: bit.ly/WarikooGadgets
    The above links are on Amazon.
    If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.

    • @savanshrivastav8841
      @savanshrivastav8841 Před 2 měsíci

      Sir aap ka number send Karo please

    • @prashikraj18
      @prashikraj18 Před 2 měsíci

      All in one card plz....!

    • @shashankkumar6645
      @shashankkumar6645 Před 2 měsíci

      IXIGO AU CC - The link what you have given does not lead to IXIGO AU card. second when we apply through ixigo or AU website, the error message is "exisiting application already exists". I spent my 45 minutes struggling for applying AU Ixigo card. Feeling Disappointed.

    • @manjeetchhikara5148
      @manjeetchhikara5148 Před 2 měsíci

      Make Epic Money ka online course kab launch hoga??

    • @aftabbloger156
      @aftabbloger156 Před 2 měsíci

      @warikoo sir ak meger questuon hai app se kya hame IT FILE bana cahea agar bana chahea to kab kaise or qq bana chahea ye mera parsnal question hai soo sir plz hlep me 💙🙏

  • @theamreshsharma
    @theamreshsharma Před 2 měsíci +9

    Hi Sir, Really nice video learnt many things.
    I'm very excited and waiting to come in your video

  • @ms_0308
    @ms_0308 Před 2 měsíci +8

    Your explanation is best 👍

  • @Chhexxy
    @Chhexxy Před 2 měsíci +2

    Well explained thanks ❤

  • @Devil-ly1gi
    @Devil-ly1gi Před 2 měsíci +1

    I learnt a lot of things from you

  • @BhaktiPathSinger
    @BhaktiPathSinger Před 3 dny

    Great knowledge sir
    God bless you sir 🙏

  • @ms_0308
    @ms_0308 Před 2 měsíci +3

    Your videos are very nice and very good 👍😊

  • @amanvish9372
    @amanvish9372 Před 2 měsíci +1

    sir you doing very great for the slam area people

  • @Nature_Travel
    @Nature_Travel Před 2 měsíci

    Thanks for sharing information ❤❤❤

  • @amitseladiya2676
    @amitseladiya2676 Před 2 měsíci +3

    Good work sir and also your all video improvements knowledge.

  • @NotKid142
    @NotKid142 Před 2 měsíci +103

    Please explain 10k to 320cr in 35 years with 10% steup SIP. It's impossible. You should explain your math behind it. I have tried on sip calculator but it says only 17cr instead of 320cr

    • @adfernand987654321es
      @adfernand987654321es Před 2 měsíci +12

      He has assumed monthly compounding whereas you have taken yearly compounding check again if any discrepancy then he has taken daily compounding assumption hence the difference

    • @adfernand987654321es
      @adfernand987654321es Před 2 měsíci +8

      The math adds up but market will not reward you as per mathematics

    • @atulkumarpandey3634
      @atulkumarpandey3634 Před 2 měsíci +5

      Are wo har sal investment ko 10% se badhane ka bola tha tab hoga wo

    • @Ksjbebdbejijrjr
      @Ksjbebdbejijrjr Před 2 měsíci +1

      It would be around 25 to 30 cr with an average annual return of 13.5%

    • @Ksjbebdbejijrjr
      @Ksjbebdbejijrjr Před 2 měsíci +1

      @@atulkumarpandey3634 320 cr phirbhi nhi hoga bhai it would be somewhere around 25 to 30 cr

  • @ms_0308
    @ms_0308 Před 2 měsíci +6

    I am waiting for your videos ☺️.....

  • @prashantpanigrahi9770
    @prashantpanigrahi9770 Před 2 měsíci +1

    Good work Ankoor ji❤

  • @amit87002001
    @amit87002001 Před 2 měsíci +5

    The way you selected cards I could clearly see that u don't use credit cards much.

  • @SachinSinghRathourSSR
    @SachinSinghRathourSSR Před 2 měsíci

    Thankyou sir for all the best information given to us regarding money investment and credit card now

  • @samirgopal
    @samirgopal Před 2 měsíci +1

    Which smartwatch do you use Ankur?

  • @ahmedsabir1181
    @ahmedsabir1181 Před 2 měsíci +1

    Good 👍 information

  • @iamankitkourav
    @iamankitkourav Před 2 měsíci +6

    I am thinking of buying some jwellery.
    Should I avail Neu card for tanishq?

  • @vinayc
    @vinayc Před 20 dny

    Please do this updated video every quarter sir 🙏❤

  • @mukundbhagat01
    @mukundbhagat01 Před 2 měsíci +1

    I have tata neu plus and hdfc Indian oil ❤

  • @garimajain201
    @garimajain201 Před 2 měsíci +2

    Hi,
    What do you think about club vistara card ?

  • @ankushladani496
    @ankushladani496 Před 2 měsíci +2

    Sir Is there any limit on the amount which we have to spend for using credit cards?

  • @yatharthshukla4763
    @yatharthshukla4763 Před měsícem +1

    Sir will the 5% cashback also apply on platforms like blinkit and swiggy? (For SBI cashback card)

  • @Abhinay_Sriram
    @Abhinay_Sriram Před 2 měsíci +1

    Sir, you missed SBI BPCL Octane which is best for fuel i guess

  • @urvashiferani90
    @urvashiferani90 Před měsícem

    nice information

  • @vaibhavjain9224
    @vaibhavjain9224 Před 2 měsíci +3

    Sir, specs lag gye aapko??

  • @Tradin577
    @Tradin577 Před 2 měsíci +3

    सर मैं चाहता हु आप अपना zrodha का holding or investment video bana kar share kare kitna cr ka investment hai 😊 motivation video rah skta hai ye ap ka sayad ham logo ke liye😊

  • @am0072
    @am0072 Před měsícem

    For food.. consider HSBC cashback card...will give 10% cashback upto 1000 per statement...in all food and dining

  • @Alakh_short
    @Alakh_short Před 2 měsíci +3

    सर आपको ऐनख बहुत अच्छा लग रहा है 😊😊

  • @MrSwarup09
    @MrSwarup09 Před 2 měsíci +1

    Make a video regarding SEBI new guidelines for mutual funds

  • @shaktiyadav3478
    @shaktiyadav3478 Před 2 měsíci +2

    Hello sir plz make a video for housewives ,how can they invest to be financially independent (with small amount like 5k-10k)

  • @Mehulbhatt01
    @Mehulbhatt01 Před 2 měsíci +1

    damn was serching for credit cards and got the video thank uuu

  • @MMIliyas
    @MMIliyas Před 2 měsíci

    What about hdfc millinea cc is it good?

  • @gauravbodhak6012
    @gauravbodhak6012 Před 2 měsíci +2

    Please make a video comparing investment such as loan you make for higher education in abroad and for mba in India, against the returns as salary you get and after taxes and cost of living how much take home money you have in each case… by looking from a return on investment angle it will help me to decide whether to do mba in India or masters in UK.

  • @akashpatel291
    @akashpatel291 Před 2 měsíci +1

    Explain your math behind 320 cr. Corpus.

  • @bharatverma1191
    @bharatverma1191 Před 2 měsíci

    Super sir

  • @akashxtremegaming4246
    @akashxtremegaming4246 Před 2 měsíci +1

    Can any one tell best card for upi payments?

  • @PriyankaKumari-qf3so
    @PriyankaKumari-qf3so Před 2 měsíci +1

    Sir, plz make a video on how to invest in cryptocurrency or Bfic gold

  • @gorakhghode2002
    @gorakhghode2002 Před měsícem +1

    Jai ho ! Sir

  • @tarandeepsingh1219
    @tarandeepsingh1219 Před 2 měsíci +6

    I use ICICI Coral Rupay Credit card. This quarter I use airport lounge 2 times and IRCTC lounge 1 time. Moreover Its a Rupay card linked with UPI. It’s now very convenient to use in day to day life and get reward points too 😊

    • @JuhiGoyal
      @JuhiGoyal Před měsícem

      Hi, is it valid for lounges across India or internationally as well?

    • @tarandeepsingh1219
      @tarandeepsingh1219 Před měsícem +1

      @@JuhiGoyal within India only.

    • @JuhiGoyal
      @JuhiGoyal Před měsícem +1

      @@tarandeepsingh1219 thanks for the response

  • @202tharzinachowdhurymonty6
    @202tharzinachowdhurymonty6 Před 2 měsíci

    best present

  • @ajaymehra8839
    @ajaymehra8839 Před 2 měsíci +1

    I think you should make a Q/A video on SIP we have lots of questions on SIP.

  • @surajkumarpatil4572
    @surajkumarpatil4572 Před měsícem +1

    Now other Spends with Flipkart Axis reduced to 1% from 1.5%

  • @prashantganesh505
    @prashantganesh505 Před 2 měsíci +1

    Hello sir,
    Please suggest best small cap fund for investing.
    Please reply 🙏🏻

    • @AnkitKumarKnowledge
      @AnkitKumarKnowledge Před 2 měsíci +1

      Start with Nippon India small Cap - Direct Fund or SBI Small Cap Direct Fund

  • @Bibek_rai09
    @Bibek_rai09 Před 2 měsíci

    Plz sir explain fd based credit card also

  • @williamtoppo5385
    @williamtoppo5385 Před 2 měsíci

    Hi sir please help me how to invest right sip

  • @subhashmaggo7021
    @subhashmaggo7021 Před měsícem

    Please make a video on equity home loan

  • @arafatmuneerwagle1036
    @arafatmuneerwagle1036 Před 2 měsíci +1

    You forgot to mention myntra’s card by kotak bank

  • @aakashraj7894
    @aakashraj7894 Před 29 dny

    I am surprised myzone axis card didn't made up to the list 😯

  • @tejasb84
    @tejasb84 Před 2 měsíci

    Nice glasses...😊

  • @user-qy2tv7ng5k
    @user-qy2tv7ng5k Před 2 měsíci

    Loved that facial acrobatics!😅

  • @sushmayadav6605
    @sushmayadav6605 Před 2 měsíci

    Sir plz suggest books for 10 years old children

  • @vidyasagar-il1mp
    @vidyasagar-il1mp Před 2 měsíci

    Sir, if we have 50k as monthly investment, in around 10 yrs, how much will i have and in which areas i have to invest??

  • @PlanYourYatra
    @PlanYourYatra Před 2 měsíci +1

    Is there any card coming for free fuel surcharges .

  • @Tapdar
    @Tapdar Před 2 měsíci

    Well explained sir
    But i want to tell one thing Ixigo AU credit card membership is not free annually its 999+GST
    As i check online now

  • @amitbanerjeearts7526
    @amitbanerjeearts7526 Před 2 měsíci

    Sir my purchase is not in limit means I am doing job and want to purchase something in EMI as well suggest Me the best card Plz

  • @ganeshghodke27
    @ganeshghodke27 Před 2 měsíci

    U are real Hiro Sir ❤🫡

  • @vijaygarg9342
    @vijaygarg9342 Před 2 měsíci +1

    How does the axis neo card can help save upto 3000 per month if it can be used 2 times only for upto 120 rupees of discount on zomato 🤔🤔🤔

  • @ismatsultana1409
    @ismatsultana1409 Před 2 měsíci

    Where is Amazon ICICI link I can't find it

  • @dipjyotibanerjee4057
    @dipjyotibanerjee4057 Před 2 měsíci

    What about redemption charges?

  • @experimentalfact5771
    @experimentalfact5771 Před 2 měsíci

    Sir mujhe aapki book " make epic money " cash on delivery chahiye but Amazon pe option nai de Raha hai

  • @avinashmotwani8721
    @avinashmotwani8721 Před 2 měsíci

    How to apply for sbi cashback card as it's not showing in my sbi account

  • @JTOram
    @JTOram Před 2 měsíci

    After a long time🫂..wariko

  • @Pack-Unpack
    @Pack-Unpack Před 5 dny

    Berfy app use krke earn kr skte h,rewards card m alag milnge

  • @NishuBEd
    @NishuBEd Před 2 měsíci

    Nice Glasses

  • @piyush-HacIIT
    @piyush-HacIIT Před 2 měsíci

    sir what i do i buy tata investment coorporation share in groww i am student and new in stock market i just want to learn stock market and hold share for long time and purchase tata investment share at 8436 and it go 9346 but now it crash at rate 5 percent and i unable to sell the share so what i do is i loss all 8000 rupee please help is it get his value 8000 in 3 month

  • @sritamanandieconomics
    @sritamanandieconomics Před měsícem

    I figured out how to live life!

  • @visweshparameswaran6049
    @visweshparameswaran6049 Před 2 měsíci

    Nice specs

  • @hobbyistichimachali
    @hobbyistichimachali Před 2 měsíci +5

    *After gone through the video, it seems useless to have a Credit Card for the time being*

    • @Hunurpiku
      @Hunurpiku Před 25 dny

      Bhai me to enjoy Kar raha hu puri tarahse. Ek HDFC millennia aur ek Amazon ICICI card hai, uparse ek HDFC rupay credit card v hai.
      Credit card rakhne ka ye matlab nahi ki andhadhundh kharch karo. Utni hi karo jitni tum within time limit (without interest) return kar sakte ho. Ab mera cbill 754 hai, humesha tym pe payment karnese

  • @pallabbiswas2726
    @pallabbiswas2726 Před měsícem

    What about AXIS ACE & SBI PRIME CARD ?

  • @jaychoudhary8797
    @jaychoudhary8797 Před 2 měsíci

    Currently reading ur book "Do epic shit"
    Seems gooddd...:(

  • @MujahidKhan-tk1rv
    @MujahidKhan-tk1rv Před 2 měsíci +1

    What about my zone credit card Axis Bank
    I receive my zone credit card few days back

  • @user-jp4bq9ft7y
    @user-jp4bq9ft7y Před 2 měsíci +1

    Can you suggest any good credit card mainly for international and domestic airport lounge

  • @desihackers2657
    @desihackers2657 Před 2 měsíci

    Sir I have a question for u how can we get salary as u get 35 lakhs per annum as u got and yy we can't get that salary at this time yy we get around maximum is 2-3 lakhs per annum say us some the tips jobs or something to earn such as u do

  • @mathewdcruz1730
    @mathewdcruz1730 Před 2 měsíci

    Hi there, I know my comment is not on this video but on your video about one card. Since I am your subscriber and i watch your videos to learn and belive you thus, I am commenting on this video. Just wanted to let you know that one card app dose not work and I saw your video on one card and you said this is very good. I hope if you mail them perhaps they will improve the app. Thank you so much.

  • @swapniltelang7072
    @swapniltelang7072 Před 2 měsíci +2

    Sir below 18 child pe .. investment video banoooo…
    Kaise PAN Card bana k long term investment kare ??

    • @jaisharma8463
      @jaisharma8463 Před 2 měsíci

      Bhai abhi knowledge gain karo 18 ka hone ke baad khud bnalena sab kuch

  • @BackBencherJH10
    @BackBencherJH10 Před 2 měsíci

    Thank you... sir...

  • @finishthegameyt3057
    @finishthegameyt3057 Před 2 měsíci +11

    Bacho ko sorry bolna mere sare credit card reject hogye 😔💀

  • @KreativeKutProduction
    @KreativeKutProduction Před 2 měsíci

    cant get the link for ICICI card

  • @mayureshv
    @mayureshv Před 2 měsíci

    You spend 2 lacks on dominos really , nice influencer you are

  • @auto_nomad
    @auto_nomad Před 2 měsíci +4

    Best fuel card, SBI BPCL Octant card. using it from last 1 yr. Amazing experiance.

    • @pawarhemant8459
      @pawarhemant8459 Před 2 měsíci

      Thank you sir for sharing such important information

    • @shaileshkumarsingh791
      @shaileshkumarsingh791 Před 2 měsíci

      What are the key benefits brother.
      If you could guide

    • @shaileshkumarsingh791
      @shaileshkumarsingh791 Před 2 měsíci

      What are the key benefits brother.
      If you could guide

    • @RaviMeena-qn8by
      @RaviMeena-qn8by Před 2 měsíci

      Kya fayda hua apko please bataiye maine kabhi credit card use nahi but main lene ki soch raha hu

  • @ruchikr0905
    @ruchikr0905 Před 2 měsíci +1

    awesome information, Just an info it’s not 1 HCL, it’s iHCL and Tata Motors is coming soon 😊

  • @amolsangle3274
    @amolsangle3274 Před 2 měsíci

    I am spending Rs.7000 per month on CNG . Pls suggest best rupay credit card

  • @harshalshekharjha5669
    @harshalshekharjha5669 Před 2 měsíci

    Very Very Informative.
    Sadly,This is the new method for saving money money.
    Jitna bach jaye utna accha 😢

  • @AgrawallSahil
    @AgrawallSahil Před 2 měsíci +1

    Tata neu infinity card pe 10% cb milta hain, so ignore plus & apply infinity

    • @ISHWARKOTENNAVAR
      @ISHWARKOTENNAVAR Před 2 měsíci

      But only rare people application will be get approved and also charges are high per year. 1500+ GST charges

    • @AgrawallSahil
      @AgrawallSahil Před 2 měsíci

      @@ISHWARKOTENNAVAR If you hold any existing card with hdfc bank thn you will get this card instantly with the same limit of existing credit card.
      Joining is free but in limited scenario you will get this card LTF.
      I have also applied this card at no joining fee & 1499+ taxes annually but after 2 months of card issuance its converted to LTF

  • @SnidMist
    @SnidMist Před 2 měsíci

    Hdfc milenia bakwas hai kya ??

  • @pintusaha0163
    @pintusaha0163 Před 2 měsíci

    Mere kheyal se idfc card is best for cash withdrawal 😊

  • @Farahshah-fu7gk
    @Farahshah-fu7gk Před 2 měsíci +1

    New commenter❤❤

  • @tejas1846
    @tejas1846 Před 2 měsíci +1

    Di you miss HDFC Millenia ? A card that stand out and an all in one card with rewardpoints =₹1 i guess it beats all the other cards as an all in 1

    • @avinashverma0905
      @avinashverma0905 Před 2 měsíci

      Bhai ye best nhi better hai 😅 free to High 😅😊😊

    • @AkashTopder
      @AkashTopder Před 2 měsíci +1

      HDFC Millennia has 1000 rupees cap. SBI Cashback has 5000 rupees cap. And SBI cashback also gives cashback in a lot of sites whereas the HDFC one is limited on some websites.

  • @navedsayyed5917
    @navedsayyed5917 Před 2 měsíci

    Sir but all in one card

  • @Bigthoughts_123
    @Bigthoughts_123 Před 2 měsíci

    Kya aapne..brus bennon ki awaz dub ki hai kya... Avenger me

  • @ROHITGAUTAM-zz9to
    @ROHITGAUTAM-zz9to Před 2 měsíci

    Hello sir🎉

  • @stockmarketworld1216
    @stockmarketworld1216 Před 2 měsíci

    Sir aap upto bhi bola karo, tata nue mere pass tha lekin upto 5% hai aur har baar 1% hi milta tha 5% to milta hi nahi tha to bandh kara diya

  • @ahsanulhoquechoudhury1300
    @ahsanulhoquechoudhury1300 Před 2 měsíci

    Iss video ka views 1M cross hone wala hai. Ankur aap chashme Mai ache lg rhe ho😊

  • @avikdesigns
    @avikdesigns Před 2 měsíci

    Hey Ankur! Really helpful video. But can you tell me which of this card will be best for me, given my only credit card bill accounts of courses(Udemy) and subscription (netflix, skillshare, hotstar). Generally which credit card gives cashback on courses and ott subscription? If anyone can help me, it will be very kind. Thank you.

    • @veeresh_22
      @veeresh_22 Před 2 měsíci

      SBI cashback.. 2nd preference SC smart

    • @amit87002001
      @amit87002001 Před 2 měsíci

      Now a days credit card doesn't give cashback on education payments however ICICI Coral still gives rewards points on education u can join try that card for educational payments.

  • @Balram_putin_
    @Balram_putin_ Před 2 měsíci +1

    Kindly guide me for long term investments in terms of where I need money for marriage after 5 years, house after 10 years and education of children after 20 years eg abroad. How can I withdraw money for short-term goals, will it run out if I withdraw? Also could you show on the excel sheet, SIP investment in MF, SGB, corporate bonds and some individual stocks? I am willing to take risks because I am young and also willing to work hard. Thank you.

  • @Shubhamsingh-sj6ob
    @Shubhamsingh-sj6ob Před 24 dny

    ixigo au card annual fees is 999+GST

  • @a20422509002
    @a20422509002 Před 2 měsíci

    Hi Ankur ...have shared a mail with you...I am in a serious confusion....kindly reply....!!!

  • @prathamgarg7874
    @prathamgarg7874 Před 2 měsíci

    Looking like MARK RUFFALLO [ HULK ]

  • @user-fm7hc6ms9s
    @user-fm7hc6ms9s Před 2 měsíci

    sir how to get my first cradit card