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NI High Street Voucher Scheme: Department defends hiring firm fined for part in ‘prepaid card cartel’

The Department for the Economy has defended hiring a firm for the High Street Voucher Scheme that was recently fined for its part in a ''prepaid card cartel'. Prepaid Financial Services has been given the contract to deliver the GBP145million scheme that will be available to everyone over the age of 18 in Northern Ireland. Over the past few months, the company has been involved in a series of issues which include their handling of a prepaid card scheme for asylum seekers in the UK, an investigation by the Central Bank of Ireland and being one of five companies who provisionally agreed to pay fines in the UK for their involvement in an alleged 'prepaid card cartel'.

In March of this year, PFS, along with Allpay and Mastercard, agreed to pay fines totalling more that GBP32million for their alleged anti-competitive behaviour. The case relates to prepaid cards that are used by local authorities to distribute welfare payments to vulnerable members of society, such as the homeless, victims of domestic violence and asylum seekers. PFS was fined GBP1 million for its part in the scheme.

At the time, Chris Hemsley, Managing Director of the Payment Systems Regulator, said: "Pre-paid card services, like these, can provide significant benefits to local authorities as one way to make welfare payments to some of the most vulnerable people in society. "By colluding in this way, we consider the parties were acting as a cartel. Because of the reduced competition local authorities may have been missing out on an alternative supplier or products that were either cheaper or better suited to both their needs and the needs of those using the pre-paid cards.

"Collusion in payments is absolutely unacceptable. Where we see it happening, we will take action, stop it, and seek to impose significant penalties." Two months later in May, the Irish branch of PFS, which runs it's European business, came under investigation from the Central Bank of Ireland regarding significant regulatory concerns.

The Irish Times has reported that these are related to anti-money-laundering and counter-terrorism financing matters, risk, control frameworks and governance at PFS Card Services (Ireland). It is understood that PFS' parent company, EML Payments, suffered a 46% loss in share value after the regulatory probe was announced by the CBI, however it has since recovered some of this value. PFS used to carry out most of its European work through its UK branch based in London, but this moved to its Irish branch following Brexit.

EML has said that the CBI investigation "may see an impact of delayed programme launches". A Central Bank of Ireland spokesperson told Belfast Live: "Our regulatory engagement with the firm continues and we will not be commenting further at this time." The Guardian has reported how thousands of Asylum Seekers in the UK "went hungry" after they suffered problems with the prepaid cards they had been given.

It said that around of third of those given the cards had struggled to use them properly. PFS had taken over the running of the prepard card scheme contract from the Home Office in May 2021, from previous provider Sodexo. Following the concerns a PFS spokesperson told the Guardian: "PFS has been working closely with the Home Office to prepare for the switch over.

As part of that preparation, PFS has created and issued cards according to the data we received from the Home Office. The majority of service users have successfully activated and are using their cards." The Department for the Economy has said that it was aware of these issues with PFS prior to the awarding of its contract for the High Street Voucher scheme, and does not believe they will effect its rollout.

A Department for the Economy spokesperson said: "The Department for the Economy is aware of the issues and does not believe these will have any impact on the rollout of the High Street Scheme. The Department's contract for the supply of a prepaid card is with PFS (UK) which has no involvement in the Central Bank of Ireland investigation. PFS(UK ) is regulated separately by the Financial Conduct Authority in the United Kingdom.

"The contract for the pre-paid cards was awarded after a secondary competition using a government wide contracting framework in which four pre-qualified companies on the framework were invited to submit bids. Two companies submitted completed tender documentation. This process was carried out in accordance with the relevant procurement procedures and best practice."

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‘Russian Lidl’ announces it will open first UK store within weeks

A no-frills store known as the "Russian Lidl" will open its first UK store in the coming weeks. Discount grocery chain Mere claims to be 30 per cent cheaper than the nation's most popular low-cost retailers and it will open its first UK store in Preston on August 14, in a former branch of Nisa. The store was initially scheduled to open at the start of the year but this was delayed until June because of pandemic hold-ups, reports the Mirror.

Mere UK business development manager Aleksandr Chkalov told The Grocer: "We will be glad to present our new retail model: a real hard discounter, with no shelves, no service, no convenience, just the lowest prices."

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Some of the brands that will be sold in the Preston store are Cusheen toilet paper, Maxsonic batteries, Reach sanitising wipes and Warrior energy drinks. It will stock up to 1,200 products overall. Further three Mere outlets are also planned this year - including two in Wales, in Mold and Caldicot, and another in Castleford in Yorkshire.

It is also planning sites in Devon, Stockport, Neath, Banbury, Selby, Bradford, Middlesbrough, Grantham, Kettering, Plymouth, Beckenham, Gloucester, Northampton, Cardiff, Oswestry, Barnsley, Sheffield, Exeter, Stretford, Southampton, south Scotland and Wales. In total, the discounter has said it wants to open 300 sites in the UK within a decade but no other locations have been confirmed. Mere, which trades as Svetofor in Russia, has 3,200 stores internationally and opened its first European Mere store in 2018.

It now operates in include Poland, Romania, Lithuania, Latvia and Ukraine. Mere stores double up as warehouses, with images from other sites across Europe showing items displayed on pallets. Shoppers pick items directly from these pallets, saving Mere time and money on stacking shelves.

Suppliers are also expected to deliver straight to the shops, which will each be about 10,000 sq ft. Each must have parking spaces for 30-40 cars and a local population of 60,000 or more. Each store in the UK will have just eight staff, to keep costs down.

For more stories from where you live, visit InYourArea.

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‘Russian Lidl’ announces it will open first UK store within weeks

A no-frills store known as the "Russian Lidl" will open its first UK store in the coming weeks. Discount grocery chain Mere claims to be 30 per cent cheaper than the nation's most popular low-cost retailers and it will open its first UK store in Preston on August 14, in a former branch of Nisa. The store was initially scheduled to open at the start of the year but this was delayed until June because of pandemic hold-ups, reports the Mirror.

Mere UK business development manager Aleksandr Chkalov told The Grocer: "We will be glad to present our new retail model: a real hard discounter, with no shelves, no service, no convenience, just the lowest prices."

Read More
Related Articles
Read More
Related Articles

Some of the brands that will be sold in the Preston store are Cusheen toilet paper, Maxsonic batteries, Reach sanitising wipes and Warrior energy drinks. It will stock up to 1,200 products overall. Further three Mere outlets are also planned this year - including two in Wales, in Mold and Caldicot, and another in Castleford in Yorkshire.

It is also planning sites in Devon, Stockport, Neath, Banbury, Selby, Bradford, Middlesbrough, Grantham, Kettering, Plymouth, Beckenham, Gloucester, Northampton, Cardiff, Oswestry, Barnsley, Sheffield, Exeter, Stretford, Southampton, south Scotland and Wales. In total, the discounter has said it wants to open 300 sites in the UK within a decade but no other locations have been confirmed. Mere, which trades as Svetofor in Russia, has 3,200 stores internationally and opened its first European Mere store in 2018.

It now operates in include Poland, Romania, Lithuania, Latvia and Ukraine. Mere stores double up as warehouses, with images from other sites across Europe showing items displayed on pallets. Shoppers pick items directly from these pallets, saving Mere time and money on stacking shelves.

Suppliers are also expected to deliver straight to the shops, which will each be about 10,000 sq ft. Each must have parking spaces for 30-40 cars and a local population of 60,000 or more. Each store in the UK will have just eight staff, to keep costs down.

For more stories from where you live, visit InYourArea.

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High street £100 voucher scheme to open in September

A high street voucher scheme which will give everyone in Northern Ireland aged 18 and over a pre-paid card worth GBP100, is set to open to the public for registration in September. conomy Minister Gordon Lyons made the announcement as he unveiled that the contract for the delivery of the scheme has been awarded to Prepaid Financial Services (PFS). Mr Lyons also revealed a "Spend Local" logo which will feature on each of the cards which are intended to encourage spending at retailers that have been badly affected by the Covid-19 lockdowns.

This scheme will give a very welcome boost to our high streets which were hard hit by the Covid-19 pandemicGordon Lyons

Speaking during a visit to businesses in Carrickfergus, he said: "My department is planning for the scheme to go live in September and I want to ensure everyone who is eligible can receive their pre-paid card as soon as possible after registration. "As a first step in that process I would urge members of the public to sign up for the electoral register if they have not already done so, as we plan to use the register to check registrations for the high street scheme."

Mr Lyons added: "This scheme is a key element of my department's Economic Recovery Action Plan and will give a very welcome boost to our high streets which were hard hit by the Covid-19 pandemic. This uplift is what our local businesses need and deserve. "It will mean up to 1.4 million people will have an extra GBP100 each to spend on our high streets rather than online.

This will help bring many more customers back through the doors of local retail, hospitality and other sectors.

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Minister for the Economy Gordon Lyons with Lee Britton (CEO Europe at PFS ), Roger Pollen (Head of FSB NI), Glyn Robert (Retail NI Chief Executive) Sarah Cunningham (Vice President at Mastercard) and Aodhan Connolly (Director , Northern Ireland Retail Consortium) at the announcement of the High Street Scheme in Carrickfergus on Thursday.

Minister for the Economy Gordon Lyons with Lee Britton (CEO Europe at PFS ), Roger Pollen (Head of FSB NI), Glyn Robert (Retail NI Chief Executive) Sarah Cunningham (Vice President at Mastercard) and Aodhan Connolly (Director , Northern Ireland Retail Consortium) at the announcement of the High Street Scheme in Carrickfergus on Thursday.

Minister for the Economy Gordon Lyons with Lee Britton (CEO Europe at PFS ), Roger Pollen (Head of FSB NI), Glyn Robert (Retail NI Chief Executive) Sarah Cunningham (Vice President at Mastercard) and Aodhan Connolly (Director , Northern Ireland Retail Consortium) at the announcement of the High Street Scheme in Carrickfergus on Thursday.

"I look forward to seeing the benefits this scheme will bring to the wide range of businesses situated in the heart of towns, villages and cities across Northern Ireland." PFS is a payments technology company. Lee Britton, CEO Europe at PFS, said: "We are delighted to have been awarded this contract.

Our award-winning economic stimulus product, trusted by governments worldwide, will help to give a huge financial boost to the Northern Ireland economy." Colin Neill, chief executive of Hospitality Ulster, said: "The High Street Scheme is a really welcome and important way we can all support our struggling high street businesses. "Supporting the high street not only helps the businesses, it also supports the jobs of our friends and family who work in our hospitality industry."

Aodhan Connolly, director of the Northern Ireland Retail Consortium, said: "The past year has been one of the hardest on record for our retail industry and our high streets because of the pandemic. "This scheme will give a welcome boost to high street retailers and other consumer-facing sectors in towns and cities in Northern Ireland. Retail NI chief executive Glyn Roberts said: "This scheme is a win-win for our members and our high streets.

It will be a significant spending boost for struggling independent retailers as we progress the long road toward recovery. "Seventy pence in every pound spent with an independent retailer is recycled around the economy, supporting local producers, farmers and manufacturers. "So it is vital that consumers make a special effort to spend this pre-paid card with local traders to ensure the widest possible boost to our economy."

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Lidl scraps over 1bn pieces of plastic from UK stores

LidlLidl has already cut nearly 19 million plastic tags from its fruit and vegetable lines

// Lidl removes over one billion plastic pieces from stores in Great Britain
// It has prevented the equivalent of 10 million water bottles from entering the ocean
// Lidl pledged to remove a further two billion pieces of plastic by end of 2022

Lidl has removed over one billion pieces of plastic from stores across Great Britain as part of its strategy to reduce plastic waste. The discount retailer said it has prevented the equivalent of 10 million water bottles from entering the ocean through its use of ocean-bound plastics. It has pledged to remove a further two billion pieces of plastic by the end of next year.


READ MORE: Lidl pledges to increase sales of healthier food


This includes more than 24 million plastic trays and punnets being removed from its fruit and vegetable ranges, and up to 25 million plastic lids from dairy and yoghurt ranges.

Lidl has already cut nearly 19 million plastic tags from its fruit and vegetable lines, and 3.5 million pieces of plastic packaging on fresh flowers. "It is fantastic that we have been able to reach this significant milestone which demonstrates our commitment to tackling excessive plastic waste and working collaboratively with all of our suppliers," Lidl chief executive Christian Hartnagel said. "We recognise, however, there is still more to do in this area which is why we are pushing to go further by removing even more pieces of plastic from our stores and packaging over the next two years and rolling-out our leading ocean-bound plastic packaging across more and more categories in our stores."

This builds on Lidl's existing plastic commitments to make 100 per cent of own brand packaging widely recyclable, reusable or refillable by 2025.

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CouponDuos offers the best discount for online shoppers

CouponDuos offers the best discount for online shoppers

The featured coupons provider for online shoppers CouponDuos is the best tool to enjoy online shopping with huge discounts

CouponDuos, the featured coupons provider for online shoppers is launching CouponDuos Chrome Extension, a new chrome extension.

 CouponDuos extension is a chrome extension that aids online customers in finding coupons while shopping on various websites. CouponDuos offers a new medium for people who shop online to get instant discounts.

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Minister says shopping voucher should not only be for double-vaccinated

Stormont's Economy Minister has rejected a suggestion from Health Minister Robin Swann that only people who are double-vaccinated could be allowed to cash in on a high street voucher scheme. r Swann said he would be interested in bringing the idea to the Northern Ireland Executive as an incentive to persuade more people to get jabbed. But a spokesperson for the Economy Minister Gordon Lyons has rejected the idea, stating it could "jeopardise the entire scheme". A retail group has also described the idea as a "non-runner".

A number of hospitals in Northern Ireland are struggling to cope with a surge in Covid-19 admissions, and the Belfast Trust has said that 60% of people admitted to hospitals in its area have not been vaccinated.

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Northern Ireland Health Minister Robin Swann suggested a high street voucher scheme could be linked to vaccinations (Niall Carson/PA)

Northern Ireland Health Minister Robin Swann suggested a high street voucher scheme could be linked to vaccinations (Niall Carson/PA)

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Northern Ireland Health Minister Robin Swann suggested a high street voucher scheme could be linked to vaccinations (Niall Carson/PA)

Stormont's Department of Economy announced the high street voucher scheme last year to support traders hit by lockdown restrictions caused by the Covid-19 pandemic. The scheme would see individuals issued with pre-paid cards of a value of up to GBP100, which could be used in shops, but not online. Mr Swann was asked about linking the voucher scheme with the vaccination programme during an appearance on the BBC Nolan Show.

He said: "It is something I will have the discussion about and raise with the Executive committee certainly, in regards to an incentive for people to come forward and get vaccinated. "But it would also have to be retrospective because I wouldn't want to discourage anyone who has already been vaccinated."

Such a suggestion would create unnecessary bureaucracy, throws up a range of legal issues and could ultimately jeopardise the entire schemeSpokesman for Gordon Lyons

A spokesperson for the Department for the Economy responded: "The Economy Minister (Gordon Lyons) does not support making the high street scheme conditional on individuals being fully vaccinated. "Such a suggestion would create unnecessary bureaucracy, throws up a range of legal issues and could ultimately jeopardise the entire scheme.

"As previously announced by the Department for the Economy, and backed by the Executive, every person in Northern Ireland aged 18 and over will be eligible to apply for a pre-paid card worth GBP100 to spend in supporting local businesses." Retail NI chief executive Glyn Roberts added: "I understand where Minister Swann is coming from and fully agree with him on the need to increase the numbers of those getting both vaccines, but he is wrong to link this to the high street voucher.

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Glyn Roberts, Chief Executive Officer of Retail NI, said the idea from Robin Swann was a ‘non-runner’ (Liam McBurney/PA)

Glyn Roberts, Chief Executive Officer of Retail NI, said the idea from Robin Swann was a 'non-runner' (Liam McBurney/PA)

PA

Glyn Roberts, Chief Executive Officer of Retail NI, said the idea from Robin Swann was a 'non-runner' (Liam McBurney/PA)

"It is a non-runner. "This scheme is about supporting struggling independent retailers, the regeneration of our high streets and boosting our shattered economy.

It's not about vaccine take-up and should not be linked in this confusing way. "Who would actually enforce this? Would it be the Department of Health or the shop owner?"

Mr Roberts added: "This voucher has already been significantly delayed and we now need to focus on getting it out to shoppers and avoid any further unnecessary distractions." Meanwhile, the promoter behind the Belsonic and Custom House Square concerts in Belfast has said attendees will have to show proof of their Covid status. Tom Jones, Kodaline, Nile Rodgers and Chic and Scooter are some of the acts scheduled to appear at the Custom House Square gigs in August, while Liam Gallagher, Gerry Cinnamon and Dermot Kennedy are set to appear at Belsonic in September.

Promoter Joe Dougan said ticket-holders would have to prove their Covid status one of three ways - proof of having had both doses of the vaccine, proof of a negative Covid test 48 hours before arrival or proof of natural Covid antibodies.

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Tom Jones is set to appear in Belfast in August (Matt Crossick/PA)

Tom Jones is set to appear in Belfast in August (Matt Crossick/PA)

PA

Tom Jones is set to appear in Belfast in August (Matt Crossick/PA)

Mr Dougan told the BBC: "It started with the events research programme in England, which was designed to speak to the viability and safety of large events. "The findings of that programme was that this entry criteria was lower risk for attendees and acts and workers as well. This is something which is very much standard and we thought it was the responsible thing to do to have this at our concerts too."

He added: "There has been a little bit of adverse reaction on social media, it is understandable because this is a new message to be putting out there. "You can show proof of double vaccination, either through your card or the new passport system. "But you can also provide a negative lateral flow test, or alternatively, if you have had coronavirus in the last six months and you have a positive PCR to show that, that shows you have natural immunity to the virus so that can also be used for entry.

"So, it is one of those three.

If you don't have a vaccination there are other options to gain admission."

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Executive ministers at odds over idea to bar unvaccinated from high street voucher use

The idea of restricting an upcoming high street voucher scheme to those who have been vaccinated has sparked disagreement between two Stormont ministers. he Health Minister Robin Swann suggested he would be in favour of examining a proposal around allowing only those who are fully vaccinated to cash in the GBP100 pre-paid card. However, he explained the scheme was not in his remit and "can't therefore make such a decision on it". "I am supportive of a wider discussion on incentives," he said.

The idea was slapped down by the Economy Minister Gordon Lyons, with his department arguing it would create "unnecessary bureaucracy," legal issues and ultimately put the scheme in jeopardy of never getting off the ground. A former economy minister described the scheme as "utter madness".  It will be Mr Lyons department that will administer the much-delayed scheme.

The high street stimulus scheme was set up under former minister Diane Dodds, with the pre-paid card able to be spent in local high street shops and hospitality establishments. While there is still no official date for when people will receive the voucher, it is expected to launch in the autumn. The idea was mooted on the BBC's Stephen Nolan show on Tuesday, amid concerns over significant numbers of those aged under 30 not getting vaccinated.

Health Minister Robin Swann said he would consider making the voucher programme available only to those fully vaccinated and planned to discuss it with the Executive. "It is something I will have the discussion and raise at the Executive committee certainly as regards to that incentive for people to come forward and get vaccinated," he said.

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Health Minister Robin Swann

Health Minister Robin Swann

Health Minister Robin Swann

Economy Minister Gordon Lyons, said he would not be in favour of the idea of needing to prove a full vaccination before anyone could cash in their high street voucher. In a statement, a spokesperson for his department added: "The economy minister does not support making the High Street Scheme conditional on individuals being fully vaccinated.

"Such a suggestion would create unnecessary bureaucracy, throws up a range of legal issues and could ultimately jeopardise the entire scheme. "As previously announced by the Department for the Economy, and backed by the Executive, every person in Northern Ireland aged 18 and over will be eligible to apply for a pre-paid card worth GBP100 to spend in supporting local businesses. Further announcements will be made in due course."

While some agreed with the proposal, a number of Belfast Telegraph readers rejected the idea of the voucher being linked to vaccination. Sharon Montgomery wrote: "It was supposed to be a stimulus for the high street economy not a dangling carrot." While David Graham described the idea as "discriminatory and wrong".

Former Economy Minister Paul Frew said the idea of the voucher being tied to vaccination status was "utter madness".

What utter madness! The High Street STIMULUS Scheme is designed to stimulate local businesses following the harmful lockdowns, open to every person in Northern Ireland aged 18 and over. Totally opposed to using it to discriminate against people on their medical history & status. https://t.co/GHEPkjHCL6

-- Paul Frew (@paulfrewDUP) July 27, 2021

"The High Street STIMULUS Scheme is designed to stimulate local businesses following the harmful lockdowns, open to every person in Northern Ireland aged 18 and over.

Totally opposed to using it to discriminate against people on their medical history & status," he wrote on Twitter. DUP colleague Sammy Wilson also responded with a clapping hand emoji on the social media platform when responding to a tweet about the comments from Gordon Lyons. A trade body which represents retailers in Northern Ireland said while there was a need to increase the numbers of those getting both vaccines, it should not be linked to the voucher scheme.

Retail NI chief executive Glyn Roberts said he understood the Minister's intentions but that the idea was ultimately a "non-runner". He said: "The first thing is, I absolutely understanding where he (Robin Swann) is coming from, and I totally agree with the need to increase levels of vaccination - but it's a mistake to connect it with the high street voucher scheme. "That's about helping struggling independent retailers and regional high streets - it's not a means to increase the take-up of the vaccine.

"There's also concern in practical terms about how this would work. Would it be the Department for Health deciding who gets it, or the shopkeeper? How would it be enforced and how would it be policed?"

He added: "It's a non-runner." A Department of Health spokesperson added: "We will always encourage the uptake of healthy behaviours first and foremost. However there is evidence from across the globe on the effectiveness of offering incentives as a way of promoting behavioural change.

That is something we should not entirely dismiss."

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Minister says voucher scheme should not only go to the fully vaccinated

The Economy Minister has rejected a suggestion from Health Minister that only people who are double-vaccinated could be allowed to cash in on a high street voucher scheme.

Mr Swann said he would be interested in bringing the idea to the Northern Ireland Executive as an incentive to persuade more people to get jabbed.

Robin Swann's comments come as a number of hospitals here are struggling to cope with a surge in Covid-19 admissions.

The Belfast Trust has said that 60% of people admitted to hospitals in its area have not been vaccinated.

But a spokesperson for the Economy Minister Gordon Lyons has rejected the idea, stating it could "jeopardise the entire scheme."

The voucher initiate was announced last year to support traders hit by lockdown restrictions caused by the Covid-19 pandemic.

The scheme would see individuals issued with pre-paid cards of a value of up to GBP100, which could be used in shops, but not online.

"It is a non-runner"

Retail NI has described the idea has a "non-runner."

Retail NI, Chief Executive Glyn Roberts said: "I understand where Minister Swann is coming from and fully agree with him on the need to increase the numbers of those getting both vaccines, but he is wrong to link this to the High Street Voucher"

This scheme is about supporting struggling independent retailers, the regeneration of our high streets and boosting our shattered economy. It's not about vaccine take up and should not be linked in this confusing way

Glyn Roberts, Retail NI Chief Executive

"Who would actually enforce this?

Would it be the Department of Health or the shop owner?

"This voucher has already been significantly delayed and we now need to focus on getting it out to shopper's asap and avoid any further unnecessary distractions"

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Amazon Prime Day 2021 in India: The best smartphone deals you shouldn’t miss

Amazon Prime day sale is now underway in India and the e-commerce giant is offering lots of offers, deals, and discounts on multiple products across categories. The two-day sale also brings a bunch of deals on some of the best smartphones we've reviewed and recommended as well. If you are looking for a new smartphone during this Amazon Prime days sale, here are some of the best you can consider. 

All the smartphones mentioned in the particular compilation have actual discounts and we've handpicked the best ones across the different price bands. These smartphones come with coupon discounts, cashback offers, and some of them also offer additional offers. It is also worth mentioning that most of the phones mentioned in the list are the ones that we've reviewed and if you are interested in getting the device you can check out our full review as well. 

Cut to the chase

  • What is it?: Amazon's annual sale for prime members
  • Sale date: July 26 and 27
  • Common offer: Up to Rs 1,750 with HDFC card

Subscribe to Amazon Prime

Rs 329 quarterly| Rs 999 yearly Includes unlimited free fast delivery, Prime Music and more!View Deal

Here are the best smartphones deals for Amazon Prime Day 2021:

OnePlus 9 - Rs 4,000 off with coupon | starts at Rs 45,999 OnePlus 9 is the middle child in the 9 series and is arguably the best OnePlus device in the series as well. You can avail Rs 4,000 off with the coupon on both variants. 

Specs: 48 MP main camera | 50 MP ultra-wide | 16 MP selfie camera | Snapdragon 888 Processor | 6.55-inch 120Hz AMOLED display | 4500mAh, 65W fast chargingView Deal

Apple iPhone 11 at Rs 47,999 | Rs 4,000 off

For under Rs 50,000, the iPhone 11 is a good buy considering you are getting a top-end camera technology of the powerful iPhone 11 Pro, it packs good spec and manages to do so for a lower cost than many would expect - this is the one to go for if you want a good value iPhone.  Specs: 6.1-inch Liquid Retina HD LCD display | IP68 rated |12MP ultra-wide and wide cameras | 12MP selfie camera | Face ID | A13 Bionic chip View Deal

Xiaomi Mi 11X Pro at Rs 37,999 | Rs 2,000 off The Mi 11X Pro comes with Snapdragon 888 chipset, bringing higher performance and it also offers a 108MP primary camera (Samsung ISOCELL HM2).

The phone runs off a 4,520mAh battery with support for 33W fast charging.View Deal

iQoo 7 Legend at Rs 36,990 | Rs 3,000 off with coupon The iQoo 7 Legend comes with BMW inspired design along with the Snapdragon 888 chipset, it has up to 12GB of LPDDR5 RAM and 256GB UFS 3.1 storage. It has a triple-camera setup with a 48MP f/1.8 primary sensor with OIS, a 13MP ultra-wide lens and a 13MP telephoto shooter with 2x magnification and 20x digital zoom.

For selfies, there's a 16MP camera on the front. It has a 4,000mAh battery with 66W fast chargingView Deal

iQoo 7 at Rs 29,990 | Rs 2,000 off with coupon The iQoo 7 is powered by Snapdragon 870 and a dedicated display chipset.

The iQoo 7 sports a 6.62-inch Full HD+ Samsung E3 Super AMOLED display with a 120Hz  refresh rate. In the optics department, the iQoo 7 features a 48MP Sony IMX598 main camera with OIS and a 16MP shooter for selfies. The iQoo 7 is packed with a 4,400mAh battery which is backed by a 66W fast charger. View Deal

OnePlus Nord 2 | New launch | up to Rs 1,750 off with HDFC cards

The OnePlus Nord 2 comes with Dimensity 1200 AI flagship processor and is one of the most powerful mid-range devices. The Nord 2 also brings much-needed camera improvements with a 50MP primary camera and a 32MP selfie shooter. Other features include a 6.43-inch 90Hz AMOLED display, 4,500mAh battery with 65W fast charging, and dual speakers. 

Buy OnePlus Nord 2 on Amazon  29,999 | Rs 34,999View Deal

Xiaomi Mi 11X at Rs 27,999 | Rs 2,000 off The Xiaomi Mi 11X is a great flagship phone on a budget with a great value for money proposition. The device ticks almost every aspect of an affordable flagship phone but falls short in terms of camera.

Specs: Snapdragon 870 | 6.67" E4 AMOLED display | 48MP triple camera | 4520mAh | 33W | 120Hz View Deal

iQOO Z3 starts at Rs 19,490 | Rs 1,500 off with coupon iQoo Z3 is India's first smartphone with Qualcomm Snapdragon 768G chipset. It has a 6.58-inch Full HD+ LCD panel with a 120Hz and a Samsung GW3 64MP f/1.79 camera. iQoo Z3 runs on a 4,400mAh battery unit which is backed by a 55W fast charger.View Deal

Redmi Note 10 Pro Max at Rs 18,999 | Rs 1,000 off with coupon

The best go-to smartphone around Rs 20,000, the Redmi Note 10 Pro Max is a great all-rounder. It brings competitive features such as an AMOLED display with a high refresh rate, a 108MP quad-camera stack, great battery life and more.  Specs: 6GB+128GB | 6.67-inch FHD+ | 120Hz | Snapdragon 732G | 5020mAh, 33W | 108MP quad rear camera setup | 16MP selfie camera 


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Samsung Galaxy M51 at Rs 19,999 | Rs 1,000 off The Samsung Galaxy M51 packs in a massive 7,000mAh battery, Super AMOLED panel and Snapdragon 730G chipset. And, as usual, the display is one of the best in class Super AMOLED panels with great colour reproduction and viewing.  You also get a reliable 64MP quad-camera setup.

Although the stand out feature here is the battery. The device won't disappoint you in any aspect. View Deal

Redmi Note 10S at Rs 13,999 | Rs 1,000 cashback as Amazon Pay balance The Redmi Note 10S is powered by MediaTek Helio G95 chipset,  flaunts a 6.43-inch Full HD+ Super AMOLED display, and packs in a 64MP main sensor, and a 13MP selfie camera.

It draws power from a 5,000mAh battery that is backed by a 33W fast charging solution.. View Deal

Samsung Galaxy M32 at Rs 13,999 | Rs 1,000 off For the first time, Samsung is offering a 6.4-inch Full HD+ Super AMOLED display along with a 90Hz refresh rate under Rs 15,000. The Galaxy M32 is powered by a MediaTek Helio G80 with up to 6GB of RAM and 128GB storage.

There is a 64MP primary camera and a 20MP selfie shooter.

A 6,000mAh battery runs the show backed by a 25W fast charger. 

6 Months free screen replacementView Deal


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