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Annual Fee
Reward type
Credit Card
Annual Fee
American Express Gold Card
 
4.5 / 5.0
by 3 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
American Express Payback Credit Card
 
3.5 / 5.0
by 9 users
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST (waived if spend over 1,50,000)
Reward type:
Shopping and Cashback
American Express Platinum Travel Credit Card
 
4.5 / 5.0
by 4 users
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
Citibank Rewards Card
 
4.0 / 5.0
by 52 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 65 users
Annual Fee:
Nil
Reward type:
Fuel
Citibank PremierMiles Card
 
4.5 / 5.0
by 2 users
Annual Fee:
3000 + ST
Reward type:
Airline
Citibank Cashback Card
 
4.5 / 5.0
by 11 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
IndusInd Bank Platinum Credit Card
 
3.0 / 5.0
by 6 users
Annual Fee:
1st year: 7,500 (3 Jet Airways codes as Welcome Gift) or
5,000 (1 code as Welcome Gift) or
3,000 (no Welcome Gift)
Reward type:
Premium
IndusInd Bank Platinum Aura Credit Card
 
3.5 / 5.0
by 4 users
Annual Fee:
1st year: 899 (waived if spend ≥ 10,000 within first 3 months)
2nd year onwards: 200 (waived if spend ≥ 12,000 in that year)
Reward type:
Lifestyle
SBI Gold and More Card
 
4.0 / 5.0
by 6 users
Annual Fee:
1st year: 499 + GST@12.36%
2nd year onwards: 499 (Nil If total spends on the Credit card is 75,000 or more in the preceding year)
Reward type:
Shopping and Cashback
SBI Signature Card
 
4.0 / 5.0
by 1 users
Annual Fee:
1st year: 4999 + GST@12.36%
2nd year onwards: 4999 + GST@12.36%
Reward type:
Premium
Air India SBI Signature Card
Annual Fee:
1st year: 4999 + GST@12.36%
2nd year onwards: 4999 + GST@12.36%
Reward type:
Airline
Air India SBI Platinum Card
Annual Fee:
1st year: 1499 + GST@12.36%
2nd year onwards: 1499 + GST@12.36%
Reward type:
Airline
SBI Platinum Card
 
4.0 / 5.0
by 5 users
Annual Fee:
1st year: 2999 + GST@12.36%
2nd year onwards: 2999 + GST@12.36%
Reward type:
Premium
My Choice Credit Card
 
3.5 / 5.0
by 15 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
My Wings Credit Card
 
4.0 / 5.0
by 2 users
Annual Fee:
1st year: 1,200 + ST
2nd year onwards: 500 + ST
Reward type:
Airline
My Zone Credit Card
 
4.0 / 5.0
by 16 users
Annual Fee:
1st year: 500 + ST (waived if spend over 5,000 in 45 days)
2nd year onwards: 500 + ST
Reward type:
Lifestyle
Signature Credit Card
 
5.0 / 5.0
by 1 users
Annual Fee:
Nil (Limited Period Offer)
Reward type:
Lifestyle
JetPrivilege HDFC Bank Platinum
 
4.5 / 5.0
by 3 users
Annual Fee:
1,000 + ST
Reward type:
Airline
Diners Rewardz
Annual Fee:
1,000 + ST
Reward type:
Shopping and Cashback
Superia
Annual Fee:
1,000 + ST
Reward type:
Premium
Diners Black
 
2.5 / 5.0
by 2 users
Annual Fee:
20,000 + ST
Reward type:
Lifestyle
Platinum Plus
 
4.0 / 5.0
by 119 users
Annual Fee:
299 + ST
Reward type:
Fuel
Visa Signature
 
4.5 / 5.0
by 13 users
Annual Fee:
399 + ST
Reward type:
Premium
JetPrivilege HDFC Bank World
 
3.0 / 5.0
by 1 users
Annual Fee:
2,500 + ST
Reward type:
Airline
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 3 users
Annual Fee:
500 + ST
Reward type:
Airline
World MasterCard
 
5.0 / 5.0
by 2 users
Annual Fee:
399 + ST
Reward type:
Premium
Titanium Edge
 
4.0 / 5.0
by 37 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
Diners Premium
 
3.5 / 5.0
by 1 users
Annual Fee:
2,500 + ST
Reward type:
Lifestyle
Regalia
 
5.0 / 5.0
by 1 users
Annual Fee:
2,500 + ST
Reward type:
Premium
Citibank PremierMiles Card
 
4.5 / 5.0
by 2 users
Annual Fee:
3000 + ST
Reward type:
Airline
Air India SBI Signature Card
Annual Fee:
1st year: 4999 + GST@12.36%
2nd year onwards: 4999 + GST@12.36%
Reward type:
Airline
Air India SBI Platinum Card
Annual Fee:
1st year: 1499 + GST@12.36%
2nd year onwards: 1499 + GST@12.36%
Reward type:
Airline
My Wings Credit Card
 
4.0 / 5.0
by 2 users
Annual Fee:
1st year: 1,200 + ST
2nd year onwards: 500 + ST
Reward type:
Airline
JetPrivilege HDFC Bank Platinum
 
4.5 / 5.0
by 3 users
Annual Fee:
1,000 + ST
Reward type:
Airline
JetPrivilege HDFC Bank World
 
3.0 / 5.0
by 1 users
Annual Fee:
2,500 + ST
Reward type:
Airline
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 3 users
Annual Fee:
500 + ST
Reward type:
Airline
American Express Gold Card
 
4.5 / 5.0
by 3 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
IndusInd Bank Platinum Aura Credit Card
 
3.5 / 5.0
by 4 users
Annual Fee:
1st year: 899 (waived if spend ≥ 10,000 within first 3 months)
2nd year onwards: 200 (waived if spend ≥ 12,000 in that year)
Reward type:
Lifestyle
My Zone Credit Card
 
4.0 / 5.0
by 16 users
Annual Fee:
1st year: 500 + ST (waived if spend over 5,000 in 45 days)
2nd year onwards: 500 + ST
Reward type:
Lifestyle
Signature Credit Card
 
5.0 / 5.0
by 1 users
Annual Fee:
Nil (Limited Period Offer)
Reward type:
Lifestyle
Diners Black
 
2.5 / 5.0
by 2 users
Annual Fee:
20,000 + ST
Reward type:
Lifestyle
Diners Premium
 
3.5 / 5.0
by 1 users
Annual Fee:
2,500 + ST
Reward type:
Lifestyle
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 65 users
Annual Fee:
Nil
Reward type:
Fuel
Platinum Plus
 
4.0 / 5.0
by 119 users
Annual Fee:
299 + ST
Reward type:
Fuel
American Express Payback Credit Card
 
3.5 / 5.0
by 9 users
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST (waived if spend over 1,50,000)
Reward type:
Shopping and Cashback
American Express Platinum Travel Credit Card
 
4.5 / 5.0
by 4 users
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
Citibank Rewards Card
 
4.0 / 5.0
by 52 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
Citibank Cashback Card
 
4.5 / 5.0
by 11 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
SBI Gold and More Card
 
4.0 / 5.0
by 6 users
Annual Fee:
1st year: 499 + GST@12.36%
2nd year onwards: 499 (Nil If total spends on the Credit card is 75,000 or more in the preceding year)
Reward type:
Shopping and Cashback
My Choice Credit Card
 
3.5 / 5.0
by 15 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
Diners Rewardz
Annual Fee:
1,000 + ST
Reward type:
Shopping and Cashback
Titanium Edge
 
4.0 / 5.0
by 37 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
IndusInd Bank Platinum Credit Card
 
3.0 / 5.0
by 6 users
Annual Fee:
1st year: 7,500 (3 Jet Airways codes as Welcome Gift) or
5,000 (1 code as Welcome Gift) or
3,000 (no Welcome Gift)
Reward type:
Premium
SBI Signature Card
 
4.0 / 5.0
by 1 users
Annual Fee:
1st year: 4999 + GST@12.36%
2nd year onwards: 4999 + GST@12.36%
Reward type:
Premium
SBI Platinum Card
 
4.0 / 5.0
by 5 users
Annual Fee:
1st year: 2999 + GST@12.36%
2nd year onwards: 2999 + GST@12.36%
Reward type:
Premium
Superia
Annual Fee:
1,000 + ST
Reward type:
Premium
Visa Signature
 
4.5 / 5.0
by 13 users
Annual Fee:
399 + ST
Reward type:
Premium
World MasterCard
 
5.0 / 5.0
by 2 users
Annual Fee:
399 + ST
Reward type:
Premium
Regalia
 
5.0 / 5.0
by 1 users
Annual Fee:
2,500 + ST
Reward type:
Premium
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 65 users
Annual Fee:
Nil
Reward type:
Fuel
Citibank Rewards Card
 
4.0 / 5.0
by 52 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
Citibank Cashback Card
 
4.5 / 5.0
by 11 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
SBI Gold and More Card
 
4.0 / 5.0
by 6 users
Annual Fee:
1st year: 499 + GST@12.36%
2nd year onwards: 499 (Nil If total spends on the Credit card is 75,000 or more in the preceding year)
Reward type:
Shopping and Cashback
My Choice Credit Card
 
3.5 / 5.0
by 15 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
My Zone Credit Card
 
4.0 / 5.0
by 16 users
Annual Fee:
1st year: 500 + ST (waived if spend over 5,000 in 45 days)
2nd year onwards: 500 + ST
Reward type:
Lifestyle
Signature Credit Card
 
5.0 / 5.0
by 1 users
Annual Fee:
Nil (Limited Period Offer)
Reward type:
Lifestyle
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 3 users
Annual Fee:
500 + ST
Reward type:
Airline
Titanium Edge
 
4.0 / 5.0
by 37 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback

*Check eligibility to see cards you are eligible for

Here are the main highlights of Credit Cards

Credit Card 4.0 / 5.0 by 3126 users  
Used this product? Write a review »

Use of Credit Cards

Today credit cards have found massive usage due to the convenience they offer. Unlike the old days, you do not have to carry cash all the time. Whenever you go out for shopping, all you need to do is take your credit card with you, shop whatever you want, swipe your credit card at merchant’s machine and walk out with your purchase. Simple, isn't it? In addition to the simplicity, Card issuers offer many type of benefits like cash back, reward points, interest free credit and discount offers on purchases made at select stores. All this makes it attractive to use a credit card in lieu of cash for your purchases. If you are wondering, "What happens after I swipe my card at merchant’s machine?", then read on to know more.

What happens after I swipe my Credit card at merchant’s POS machine?

When you hand over your credit card to the cashier to pay for your purchases he takes it and swipes it in the merchant's point of sale (POS) system. This system is connected to the merchant's bank via a communication link. This POS system helps in verifying your data by using an electronic verification system. The details verified include the validity of your card and the availability of sufficient balance on your credit card to pay for the purchases.

Once your details are transmitted to the merchant's bank, they are sent to your bank which then authorizes the payment if all the details are in order. This authorization is then sent to the merchant's bank, which then blocks the amount from your credit limit so as to reimburse it to the merchant later on. The authorization generates an approval code and is transmitted to the merchant. This code has to be keyed in by the cashier, after which two copies of charge slip are generated. This charge slip is your agreement to pay your issuing bank the amount of purchase. You then sign one copy of the charge slip and take the other one with you, along with your purchase.

Just like you, there are many others who use credit cards for their purchases. They also generate their own charge slips. All these charge slips are stored in batches and submitted by the merchant to his bank, once a day at the end of the working day. But remember, the nature of the relationship of the merchant with his bank is far different from your relation with your bank. It is called a merchant account and is actually a line of credit rather than a regular account. As per this contract, the bank agrees to undertake collection of payments on behalf of the merchant from his customers' banks. These payments are credited to the merchant's bank accounts after deducting the fees for all the services involved.

When the merchant deposits these batches in his bank, they are sent by the merchant's bank for clearing and settlement through the credit card association. This association charges your purchase amount to your bank and pays the amount to the merchant's bank. The merchant's bank then reimburses this amount to the merchant.

Your bank now charges your purchase amount to your credit card account. On the specific date, your bank will generate an account statement, listing all the credit and debit transactions in your account. If the debits are higher than credits, you have to pay the difference to your bank. You will also be given a due date, which is the last date by which you have to repay your bank in full. Failure to pay off this amount in full by due date will mean you will have to pay late fees as well as interest charges to the bank. These fees and charges can be very high, so be very careful.

Credit cards are a powerful credit tool to help you tide over short term financial requirements. However they must be used judiciously, as any misuse of the credit card can lead to high charges and make you fall into a debt trap, besides dropping your credit score drastically. So the watch word is - BE DISCIPLINED TO REPAY your credit card!

As the time is changing, the credit card providers have started tailoring their cards as per one’s requirements.

Types of Credit Cards

The different type of credit cards offered include:
  • Airline credit cards - Airline credit cards are primarily designed for those who frequently travel by air. These cards are generally co-branded with some airline service provider wherein the rewards are provided in the form of air miles. The card holders can use/ redeem these air miles during their next travel. In addition to air miles, the card holders can enjoy several other benefits like complimentary Lounge access at key airports in India and abroad, occasional discounts on air fare, special discounts in their network restaurants etc.
  • Lifestyle credit cards - Lifestyle credit cards are tailored to match your elite lifestyle. They offer gourmet experiences through luxurious travel and fine dining, access to airport lounges, free membership to selected golf courses and platinum concierge to assist you anywhere in the globe. With extraordinary benefits and higher credit limits, these cards can be obtained if the applicant has a good credit and repayment history or a huge monthly income.
  • Fuel credit cards - As fuel expenses are shooting up, the best thing to have as a reward is free petrol/ diesel in your vehicle. These cards are one of the best in the industry because they give you a wide variety of redemption options. You can redeem your points instantly over the Fuel counter for free petrol/ diesel, shopping at stores, online shopping, air miles, adjust against card outstanding, purchase gift vouchers or rewards merchandise.
  • Shopping credit cards – These type of Credit cards are designed for those who are deemed to be more shopaholic (doesn’t mean they spend carelessly) and adore to get rewarded for their spending. The rewards from these type of cards can be redeemed instantly at shopping outlets and e-shopping partners, or for various other options like fuel, Air Miles, Cash Back, Online shopping, gift vouchers and Card issuer’s catalog Merchandise.
  • Cashback credit cards – Under these credit cards, the card holders are rewarded for their spending i.e. a percentage of the amount spent is paid back to the card holder. The users can generally get their cash back conveniently and automatically as statement credit (on request). In addition to regular benefits, the users get several other privileges like dining, shopping and EMI privileges.

News about Credit Card

  • How a Credit Card works?

    Credit Cards are a part of our everyday life. We use plastic money to pay for our groceries, utility bills, shopping and many more. But have you ever wondered how a credit card actually works? What happens in those fractions of seconds when you swipe your card? How the money does reaches merchant? And how many parties are involved behind the payment process?Read more

    18th July 2014

  • How do Rewards Program on Credit Card work?

    Credit Card companies incentivize their customers with reward points for using their credit card. These points can be accumulated over a period of time and later can be redeemed for cash back, air miles, goods and services depending on the reward program on your credit card. Some card providers offer a plentiful of redeeming options with never expiring points whereas others provide a small number of choices in exchange of their reward points with a limited validity.Read more

    15th July 2014

  • How to maintain a good Credit History?

    You must be aware of loan and credit card applications getting rejected due to bad credit history or a lesser credit score. But have you ever wondered as to what contributes to building your credit score? What are the ways that can help you in establishing and maintaining a worthy credit report? We always think that just repaying your loans in time leads to a good credit score. And are unaware that there can be lot of other reasons also that impact our credit history. Let us read through all the factors that affect our credit history and tips to maintain a healthy credit record.Read more

    23th July 2014

  • Manage your credit card!

    A credit card is a useful tool, when managed judiciously but a lurking danger if you mismanage it. One of the first things you need to keep in mind, is read the term and conditions when you apply for a credit card. It could be a laborious process but something that has to be dealt with, to protect yourself from any rude surprises that might be in store for you in times like this.Read more

    12th July 2014

  • Credit Cards – What should the bank tell you?

    The Banking Codes and Standards Board of India (BCSI) have prescribed self regulatory norms through which credit card issuers have to treat their customers. Next time you apply for a credit card do remember to have these norms in mind and extract the best service from the provider.Read more

    12th July 2014


   Credit Card Reviews
Customer Reviews
Page 1 of 50 1 2 3 4 5
  • Validated User
    (0)

    I would say the CITI bank customer service was very good in their VISA GOLD CARD. They are equal with DEUTSCHE BANK . I don't have any remarks or any bad experiences with them so far. As far as I have concerned I havent find any difficulty to have this credit card

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    took a Credit Card from CITIBANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I am holding the most privilege Credit Card which is CITI Bank Platinum Credit Card, they dont have options like EMI however most of the Banks provides this option, their reward points scheme is very attractive. Platinum Credit Card process is very simple its not complicated but its very difficult to get CITI Bank Credit Card.

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    took a Credit Card from CITIBANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    CITI Bank Credit card and its a Indianoil Cititbank Platinum credit card all the services provided by the CITI Bank are hassle free and very useful. If there is a late payment in one or two days they don't avail any charges, and there petrol charges has been waived off in this credit card.

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    took a Credit Card from CITIBANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I got frequent help and instant response from CITI bank, whenever if there is any new offers pertaining to my TITANIUM credit card they will notify very promptly. I was able to compare the interest rates, tenure and fees structure with CITI bank in their website. I think no other bank was having such kind of excellent customer service.

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    took a Credit Card from CITIBANK on BankBazaar.com Reviewed on
  • Validated User
    (2)

    HDFC Platinum Credit card i am totally confused about charges, every time i use to call and ask about charges, i get offers on my card. Credit limit is good i have no problem with that, thing is charges for every month applied, if i purchase anything i have 50 days time limit they are not considering that i have fight for refund.

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    took a Credit Card from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    HDFC Platinum Plus Credit Card my experience is good, i never faced any problem, in case if i faced small issues they will resolve immediately, cash on call is best in this card, credit limit its ok, as of now their is no disadvantage to share, till now they is no special offers.

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    took a Credit Card from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (4)

    ICICI bank customer service was really good. Basically I dont have any difficulty to maintain this VISA GOLD CARD.Since I am holding this card nearly 14 years, I dont have any bad instances to recall. They need to improve only on their phone banking to avoid long queue .

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    took a Credit Card from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (2)

    HDFC Platinum Credit Card they have tie up with E commerce they provide loan on credit card with low interest rate compare to other banks, they don't block credit limit like others do if i extend the limit, credit limit is good they recently enhance my limit also.

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    took a Credit Card from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (1)

    Citibank Platinum Reward Credit Card they gave good reward points on purchase for petrol fuel their is no sur charges its waived off, they have EMI option on electronic purchase they have tie up e commerce sites, credit limit is good they recently enhance my limit, as of now their is no disadvantage i am happy with that.

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    took a Credit Card from CITIBANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    CITI Bank Platinum Credit Card is good, they are very prompt in their service. they are very helpful as they understand customer’s problem very well. Customer satisfaction should be there, they should improve a little on that customer care call waiting period should be reduced.

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    took a Credit Card from CITIBANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Its excellent credit cards services from Citi bank. I have Indian oil credit card with limit of 80,000. They told if the transactions crosses 1 lakh, then from the 2nd year, its free. Like, usually i would be traveling through company, I have to pay outside then later on it gets reimbursed and at last I have to pay service tax. I do get reward points, gift vouchers for reward points . Overall its good.

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    took a Credit Card from CITIBANK on BankBazaar.com Reviewed on
  • (0)

    The interest rate is very nominal ...they also provide you loss/theft assistance . Customer service is highly responsive.The only thing they need to improve is to have more tie ups with online websites ,more offers should be there so that people show more interest in online purchase via SBI Cards.

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    took a Credit Card from SBI CARDS Reviewed on
Customer Reviews
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