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Annual Fee
Reward type
Credit Card
Annual Fee
Citibank Rewards Card
 
4.0 / 5.0
by 183 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 182 users
Annual Fee:
Nil
Reward type:
Fuel
Citibank PremierMiles Card
 
3.5 / 5.0
by 10 users
Annual Fee:
3000 + ST
Reward type:
Airline
Citibank Cashback Card
 
4.0 / 5.0
by 38 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
American Express Gold Card
 
4.0 / 5.0
by 14 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
The NEW American Express MakeMyTrip Credit Card
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST
Reward type:
Shopping and Cashback
American Express Platinum Reserve Credit Card
 
3.5 / 5.0
by 3 users
Annual Fee:
5,000 + ST
Reward type:
Premium
American Express Platinum Travel Credit Card
 
4.0 / 5.0
by 11 users
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
American Express Payback Credit Card
 
3.5 / 5.0
by 17 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
IndusInd Bank Platinum Aura Credit Card
 
4.0 / 5.0
by 5 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
IndusInd Bank Platinum Credit Card
 
3.5 / 5.0
by 18 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
SBI Gold and More Card
 
3.5 / 5.0
by 42 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 3 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
 
4.5 / 5.0
by 2 users
Annual Fee:
1st year: 1499 + GST@12.36%
2nd year onwards: 1499 + GST@12.36%
Reward type:
Airline
SBI Platinum Card
 
3.5 / 5.0
by 24 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 44 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
My Wings Credit Card
 
3.0 / 5.0
by 4 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 53 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
 
4.0 / 5.0
by 7 users
Annual Fee:
Joining Fee: 1500
1st year: 1000 (waived on spends achievement of 2.4 lacs)
Reward type:
Lifestyle
All Miles
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Premium
JetPrivilege HDFC Bank Platinum
 
4.0 / 5.0
by 24 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
Diners Rewardz
 
3.0 / 5.0
by 8 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Shopping and Cashback
JetPrivilege HDFC Bank World
 
3.5 / 5.0
by 20 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 11 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
Platinum Edge
 
4.0 / 5.0
by 175 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Shopping and Cashback
Diners Premium
 
3.5 / 5.0
by 5 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Lifestyle
Regalia
 
3.5 / 5.0
by 5 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Premium
Citibank PremierMiles Card
 
3.5 / 5.0
by 10 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
 
4.5 / 5.0
by 2 users
Annual Fee:
1st year: 1499 + GST@12.36%
2nd year onwards: 1499 + GST@12.36%
Reward type:
Airline
My Wings Credit Card
 
3.0 / 5.0
by 4 users
Annual Fee:
1st year: 1,200 + ST
2nd year onwards: 500 + ST
Reward type:
Airline
All Miles
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Premium
JetPrivilege HDFC Bank Platinum
 
4.0 / 5.0
by 24 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
JetPrivilege HDFC Bank World
 
3.5 / 5.0
by 20 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 11 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
American Express Gold Card
 
4.0 / 5.0
by 14 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
IndusInd Bank Platinum Aura Credit Card
 
4.0 / 5.0
by 5 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 53 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
 
4.0 / 5.0
by 7 users
Annual Fee:
Joining Fee: 1500
1st year: 1000 (waived on spends achievement of 2.4 lacs)
Reward type:
Lifestyle
Diners Premium
 
3.5 / 5.0
by 5 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Lifestyle
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 182 users
Annual Fee:
Nil
Reward type:
Fuel
Citibank Rewards Card
 
4.0 / 5.0
by 183 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
Citibank Cashback Card
 
4.0 / 5.0
by 38 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
The NEW American Express MakeMyTrip Credit Card
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST
Reward type:
Shopping and Cashback
American Express Platinum Travel Credit Card
 
4.0 / 5.0
by 11 users
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
American Express Payback Credit Card
 
3.5 / 5.0
by 17 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
SBI Gold and More Card
 
3.5 / 5.0
by 42 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 44 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
Diners Rewardz
 
3.0 / 5.0
by 8 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Shopping and Cashback
Platinum Edge
 
4.0 / 5.0
by 175 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Shopping and Cashback
American Express Platinum Reserve Credit Card
 
3.5 / 5.0
by 3 users
Annual Fee:
5,000 + ST
Reward type:
Premium
IndusInd Bank Platinum Credit Card
 
3.5 / 5.0
by 18 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
SBI Signature Card
 
4.0 / 5.0
by 3 users
Annual Fee:
1st year: 4999 + GST@12.36%
2nd year onwards: 4999 + GST@12.36%
Reward type:
Premium
SBI Platinum Card
 
3.5 / 5.0
by 24 users
Annual Fee:
1st year: 2999 + GST@12.36%
2nd year onwards: 2999 + GST@12.36%
Reward type:
Premium
Regalia
 
3.5 / 5.0
by 5 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Premium
Citibank Rewards Card
 
4.0 / 5.0
by 183 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 182 users
Annual Fee:
Nil
Reward type:
Fuel
Citibank Cashback Card
 
4.0 / 5.0
by 38 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
SBI Gold and More Card
 
3.5 / 5.0
by 42 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 Zone Credit Card
 
4.0 / 5.0
by 53 users
Annual Fee:
1st year: 500 + ST (waived if spend over 5,000 in 45 days)
2nd year onwards: 500 + ST
Reward type:
Lifestyle
My Choice Credit Card
 
3.5 / 5.0
by 44 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
Signature Credit Card
 
4.0 / 5.0
by 7 users
Annual Fee:
Joining Fee: 1500
1st year: 1000 (waived on spends achievement of 2.4 lacs)
Reward type:
Lifestyle
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 11 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
Platinum Edge
 
4.0 / 5.0
by 175 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
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 6724 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.

Top Banks providing Credit Cards in India

American Express Credit card:

Amex is an American multinational financial service provider and a pioneer in offering credit cards with several attractive, irresistible variations. On offer are cards for shopping, lifestyle, travel, to access select lounges and other commonplace as well as luxurious benefits. The patron is entitled to earn reward and loyalty points that can easily be converted into selected products and services including air miles. Amex has proved itself to be a market leader and a visionary when it comes to credit cards and its usage in a developing market such as India. Also on offer are cash cards and traveller’s cheques from Amex, backed by a robust and responsive customer service initiative. A few of the highlights from Amex credit cards include zero lost card liability, attractive offers, variety of cards in its arsenal, 24 x 7 customer support, membership rewards, payback features, privileged loyalty points and an extra dose of travel through its air miles offer. Sounds too good to be true? Apply for the Amex credit card through BankBazaar and enjoy a refined banking experience.

Citibank Credit card:

As a division of Citi Group- a multinational financial service provider, Citibank is an absolute behemoth when it comes to credit cards on the national and international level. Its services in terms of credit cards are loaded with attractive benefits, and offer an irresistible variety, from lifestyle cards, shopping cards, fuel and travel cards to innovative options like the prepaid cards and corporate cards. With a powerful presence in the credit card industry, Citibank has set the benchmark for its competitors to aspire for in terms of quality, availability, features and customer support. Features such as reward points, easy EMIs, instant loans for your financial obligations and insurance benefits on your card make the Citibank credit card a serious contender for your personal banking needs. Apply through Bank Bazaar and enjoy the advantages of a multifaceted credit card like never before.

IndusInd Bank Credit card:

Founded in 1994, IndusInd Bank is the classic example of being ‘a novice by age but not by ability’. In fact, the bank boasts of one of the most recognizable line of credit cards with such products as the super-premium credit card, premium credit card, co- branded credit card and core credit card forming the crux of its offerings. Avail attractive features in terms of golf course membership, reward points, air miles conversion and instant loans for your financial needs, while being backed by an energetic and reliable banking institution. Find everything that can be expected from a world class credit card, and more, with IndusInd Bank credit card. Apply with BankBazaar today, and enjoy partnering a fast growing banking superstar through its attractive line of credit cards.

SBI Credit Card:

SBI is one of the most trusted and in-demand banks in India that commands an attractive range of customer-centric and simplicity driven credit cards. Being a pioneer in almost all the product lines of commercial banking, SBI has also stepped very aggressively in the credit cards business. The products in SBI’s arsenal include premium cards, shopping and travel cards, classic cards and exclusive cards, each offering an amazing bonanza of benefits including free movie tickets, best in class concierge services, lounge access facilities, balance transfer facility, flexi payment in EMIs, reward points, online bills payment through pay net and a plethora of similar goodies. If you are looking for a reliable, comprehensive, simple and scalable credit card experience, SBI credit cards are the way to go. Apply through Bankbazaar today, and enjoy a different breed of credit card that was designed with you in mind.

Axis Bank Credit cards:

Axis Bank is a progressive bank with an impressive line-up of banking products and services. The Axis Bank credit cards are in a class of their own- offering range, flexibility and simplicity. The products on offer include the ‘Infinite Range’, the ‘Signature Range’ with flexi payment and travel benefits that are applicable to its co-branded cards and ‘My Cards’- exclusively designed for you. Axis Bank cards offer you numerous luxurious as well as everyday benefits like dining offers, airport lounge access offers, cash back, online bills payment, EMI conversion facility and lots more. Get the Axis Bank credit card advantage and put a new spin to your personal banking. Apply through Bankbazaar today!

HDFC Bank Credit cards:

HDFC Bank, a top bank in the Indian private sector has already rolled its sleeves to compete aggressively in the credit cards market. Every now and then, you will get acquainted with some special schemes and offers on HDFC bank credit cards, a range that includes featured cards, co-branded cards, super premium cards, professional cards, premium women, premium travel, premium card, regular card, commercial card and cash back card. Undoubtedly, the benefits and rewards attached to these cards are also pocket friendly like movie tickets, travel vouchers, golf club membership, air miles conversion, reward points, exclusive range of gifts, bill payment, EMI facility, cash-on-call, instant loans, dining offers and many more. Avail the HDFC Bank credit card advantage and enjoy a select range of exclusive offers and benefits. Apply through BankBazaar and be the proud owner of a HDFC bank credit card.

News about Credit Card

  • Idea Cellular and Microsoft
    Collaborate To Ease Payment
    for Apps

    In a novel idea to improve payment systems for purchase of apps, Idea Cellular and Microsoft have introduced a billing service whereby purchases from the Windows Store will be directly charged to subscribers’ post-paid bills or adjusted against pre-paid amounts. This will eliminate the need for credit cards or other forms of electronic payments. By making it easier and more convenient for subscribers to make purchases, more paid-apps are expected to be downloaded. Purchase values will currently be limited to Rs.300 for each app bought. Apps will have to be developed to be priced accordingly.

    This is a first-of-its-kind facility in India and is expected to work well given the low penetration of credit cards in Indian markets. Currently the credit card user-base stands at 19 million. A large number of people are also not connected to internet banking facilities making online payments a challenge. Idea Cellular hopes to offer strong competition to rivals Vodafone and Airtel through this service. At present, the mobile service provider has about 34 million subscribers to its data packages. The challenge in rolling out a service such as this, however, lies in the revenue distribution model which is yet to be finalised.

    22nd January 2015

  • Rising Credit Card Frauds
    Have Police on Alert

    The Hyderabad police have alerted credit and debit card users to the growing number of cases involving identity theft. With over a 100 cases booked last year alone, police are reiterating the need for improved vigilance. Most cases involved users receiving spurious calls from people claiming to be agents of cardholders’ banks, requesting vital information such as OTPs, Pin Numbers, Names and Card Numbers, in order to make supposed updates or changes to holders’ accounts. Police are yet to identify how cardholders’ contact information was leaked to these individuals. The possibility of banks’ databases being hacked into has not been ruled out, raising serious cyber security issues. Police are also considering information leaks by bank employees. Banks generally do not request account information or card details from customers and have once again stated that cardholders should be wary of such requests.

    20th January 2015

  • ICICI Bank uses
    NFC Technology to Introduce
    Contactless Credit and Debit Cards

    ICICI Bank, noted for leading improvements in banking operations, through technology-driven services such as internet and touch banking, has introduced new products as part of its contactless payment system. viz. the Coral Contactless Credit Card and the Expressions Wave Debit Cards

    Based on near-field communication (NFC) technology, these cards, introduced in Gurgaon, Mumbai and Hyderabad, require no contact with point of sales machines. This results in benefits such as shorter transaction times and improved security since customers do not have to hand over their cards at check-out counters.

    ICICI Bank has set up machines at various outlets to be used for contactless payments. However, these cards can also be used in the traditional manner at outlets that are not enabled with the new system. This system is most beneficial at establishments that require quick payment processing e.g. gas stations or cafes etc.

    13th January 2015

  • Banks Offer
    Online Recharge Services
    on Mumbai Metro Smart Cards

    In a welcome move to commuters, over 50 banks, led by ICICI Bank and SBI, have been roped in to provide top-up or recharge facilities on Mumbai Metro smart cards. Launched on Dec 25th, 2014, this facility, offered at zero cost, is available online as part of the banks’ internet banking services. Smart cards can also be topped up using credit or debit cards. Additionally, commuters can check balances on their smart cards through this service. Mumbai Metro aims to eliminate the hassle of long queues at stations where commuters are currently required to recharge cards. This will serve to not only save travel time but also positively enhance travel experiences.

    7th January 2015

  • Hackers Release
    Credit Card Information;
    Sony, Microsoft, Amazon Affected

    In a bid to disrupt network services, hackers leaked credit card and other account information including passwords of over 13,000 internet users; primarily that of Playstation and Xbox gamers and online retailers Amazon and Walmart. The information was made public in an online file that clearly indicated credit card numbers and their dates of expiry.

    Hackers ‘Lizard Squad’, who chose Christmas Day to execute their plan, claimed responsibility for the act stating they did it to highlight security lapses in the targeted companies online services. Lizard Squad used a DDOS or denial of service attack whereby heavy traffic was directed to the targeted servers forcing shut-down. As a result, genuine users were prevented access to online services.

    Xbox and Playstation have over 48 million and 110 million subscribers, respectively, to their online services. Sony and Microsoft, were left shamefaced as they tried to deal with complaints that came in, especially from angry Christmas revellers who felt cheated out of good money spent on consoles which could not be used. Parents took to social media to express anger over the disappointment their children had to endure due to their inability to set up, install or download games on their Playstation or Xbox consoles as a result of network disruptions. This incident has clearly highlighted the need for tighter security in the online space, particularly in relation to transmission and storage of financial information.

    2nd January 2015


   Credit Card Reviews
Customer Reviews
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  • (1)

    I have paid 20000 to get the limit of 16000. and the service is also very bad. they are saying that reward point but with 1200 reward point you will get perfume bottle + 200/-. what the JOKE is this, I can perches any costly perfume in 195/- only. so this is fake TC.

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    vikas took a Credit Card from SBI CARDS Reviewed on
  • Gold
    0.5 1.5/5
    (0)

    HDFC taking unwanted interest. Me and my friend are facing this issue. one of my friend lost his salary because of late payment only.....................Finally we decided to close the account from HDFC as this is not good credit card. ....

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    vikas took a Credit Card from HDFC BANK Reviewed on
  • Validated User
    (2)

    Services with HSBC was so awesome. They were pretty much clear and sticked to the commitment till the end. Credit card services was entirely fine and even the reward point system was absolutely good. Whatever they had promised, I did get it and everything was completely transparent.

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    ranjit took a Credit Card from HSBC BANK Reviewed on
  • Validated User
    (2)

    I am not sure about the type of credit card. The credit limit is very less on the card where they gave only 20,000 and interest is high but it is common. In outside market other banks are providing better card with different offers but till date I did not find much offers over the card. No discounts even for online purchasing. Alerts are reaching properly from Kotak Mahindra bank. Suggesting Kotak to give more discounts.

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    thammaiah took a Credit Card from KOTAK MAHINDRA BANK Reviewed on
  • Validated User
    (1)

    I just closed Citi bank Indian oil Platinum credit card due to few internal issues I had with them. Due to the interest rate and excess charges which was deducted without any prior information, I closed this card. I used to get points where I would use for filling fuels.

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    ranjit took a Credit Card from CITIBANK Reviewed on
  • Validated User
    (4)

    I am holding a credit card of ICICI BANK. The service offered by them is really good. I am holding a Platinum credit card. The card benefits are like they are providing discount on ticket booking and they are providing cash back of 5% to 10% on online transactions. I normally use this card for official purpose only.

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    veeramani took a Credit Card from ICICI BANK Reviewed on
  • Validated User
    (1)

    I did get HDFC diners Club credit card however its not much useful. As its not Visa or Master card, its not getting applicable in most of the on line shopping websites. Credit limit was all pretty much fine. It would be better if the credit card is acceptable in all places.

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    kishor took a Credit Card from HDFC BANK Reviewed on
  • Validated User
    (1)

    I am holding a Platinum credit card of CITI Bank. I am supposed to pay a annual fee. If only I exceed certain amount every year they would waive off my annual fee otherwise they wont waive off the charges. It was day before I misplaced my credit card. Immediately I called them, I did not provide my credit card number however they found that and blocked the card some how.

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    nidhi took a Credit Card from CITIBANK Reviewed on
  • Validated User
    (3)

    I am holding a credit card of SBI. I did not face any issues . They have upgraded the card to a platinum card and the benefits are like they have provided a better limit. I hardly use credit cards . I only use credit card for paying utility bill payments . I rather prefer using debit card . One good thing about SBI, is it was once I missed to make the payment and late fee was charged and as a gesture of good will they waived off my late fee.

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    nidhi took a Credit Card from STATE BANK OF INDIA Reviewed on
  • Validated User
    (1)

    Other banks have some limitations in giving sur charges waivers on petrol whereas it is not there in SBI card. Say for an instance, sur charges is available only we fill it beyond 400 but in SBI charges are waiving for 100. Dinning offer is there on gold card and this is up to 10%, in all restaurants can get dinning offer. Additionally there is 5% of discount in movie ticket booking. For annual charge I am paying around 400.

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    balaji took a Credit Card from STATE BANK OF INDIA Reviewed on
  • Validated User
    (2)

    Offers on platinum credit card is good where I am getting reasonable redeem points. Axis bank took only 7 days to deliver the credit card on my mailing address. There are discounts up to 25% on movie tickets and also discounts on IRCTC booking. I get redeem points of 7 to 8 points while booking train tickets. More than that 21 points in grocery, clothings and in retailers.

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    sanil took a Credit Card from AXIS BANK Reviewed on
  • Validated User
    (2)

    I am holding a ICICI Bank platinum credit card. The limit provided by them is very less. I am not all happy with that. I have already spoken about this to their customer service executives. However it was not fruitful . I did not get help me nor support from them overall its ok.

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    byroj took a Credit Card from ICICI BANK Reviewed on
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