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Annual Fee
Reward type
Credit Card
Annual Fee
Citibank Rewards Card
 
4.0 / 5.0
by 197 users
Annual Fee:
Nil
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
SBI Signature Card
 
4.0 / 5.0
by 4 users
Annual Fee:
1st year: 4999 + GST@12.36%
2nd year onwards: 4999 + GST@12.36%
Reward type:
Premium
American Express Gold Card
 
4.0 / 5.0
by 16 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
Citibank PremierMiles Card
 
4.0 / 5.0
by 11 users
Annual Fee:
3000 + ST
Reward type:
Airline
American Express Platinum Reserve Credit Card
 
3.5 / 5.0
by 3 users
Annual Fee:
5,000 + ST
Reward type:
Premium
Citibank Cashback Card
 
4.0 / 5.0
by 43 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
American Express Platinum Travel Credit Card
 
4.0 / 5.0
by 12 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
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 184 users
Annual Fee:
Nil
Reward type:
Fuel
Visa Infinite
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Premium
Inner Circle Platinum
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Lifestyle
Emirates Platinum
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: 13,999
Renewal Fee 2nd year onwards: 13,999
Reward type:
Airline
Platinum Rewards
 
0.5 / 5.0
by 1 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Shopping & Cashback
Super Value Titanium
 
4.0 / 5.0
by 1 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 750
Reward type:
Fuel
Manhattan Platinum
 
4.5 / 5.0
by 1 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 999
Reward type:
Shopping & Cashback
RBL Delhi Daredevils Platinum Card
Annual Fee:
Joining Fee: Nil
1st year: 1000 p.a.
Renewal Fee: 1000 p.a.
Reward type:
Lifestyle
RBL Titanium Delight Card
Annual Fee:
Joining Fee: Nil
1st year:750 p.a.
Renewal Fee:750 p.a.*
Renewal fees is waived on credit card usage of Rs 1 lakh and more
Reward type:
Shopping and Cash back
RBL Platinum Maxima Card
Annual Fee:
Joining Fee: Nil
1st year:2000 p.a.
Renewal Fee:2000 p.a.
Reward type:
Premium
SBI Gold and More Card
 
3.5 / 5.0
by 43 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
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
IndusInd Bank Platinum Aura Credit Card
 
3.0 / 5.0
by 6 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 21 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
My Choice Credit Card
 
3.5 / 5.0
by 51 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
My Wings Credit Card
 
2.5 / 5.0
by 5 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 62 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 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 Platinum
 
4.0 / 5.0
by 26 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 21 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 13 users
Annual Fee:
First Year Free
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
Diners Premium
 
3.5 / 5.0
by 5 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Lifestyle
Moneyback
 
3.5 / 5.0
by 5 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
All Miles
 
5.0 / 5.0
by 2 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
Regalia
 
4.0 / 5.0
by 6 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
Citibank PremierMiles Card
 
4.0 / 5.0
by 11 users
Annual Fee:
3000 + ST
Reward type:
Airline
Emirates Platinum
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: 13,999
Renewal Fee 2nd year onwards: 13,999
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
 
2.5 / 5.0
by 5 users
Annual Fee:
1st year: 1,200 + ST
2nd year onwards: 500 + ST
Reward type:
Airline
JetPrivilege HDFC Bank Platinum
 
4.0 / 5.0
by 26 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 21 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 13 users
Annual Fee:
First Year Free
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
All Miles
 
5.0 / 5.0
by 2 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
American Express Gold Card
 
4.0 / 5.0
by 16 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
Inner Circle Platinum
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Lifestyle
RBL Delhi Daredevils Platinum Card
Annual Fee:
Joining Fee: Nil
1st year: 1000 p.a.
Renewal Fee: 1000 p.a.
Reward type:
Lifestyle
IndusInd Bank Platinum Aura Credit Card
 
3.0 / 5.0
by 6 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 62 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 184 users
Annual Fee:
Nil
Reward type:
Fuel
Super Value Titanium
 
4.0 / 5.0
by 1 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 750
Reward type:
Fuel
Citibank Rewards Card
 
4.0 / 5.0
by 197 users
Annual Fee:
Nil
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
Citibank Cashback Card
 
4.0 / 5.0
by 43 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
American Express Platinum Travel Credit Card
 
4.0 / 5.0
by 12 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
Platinum Rewards
 
0.5 / 5.0
by 1 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Shopping & Cashback
Manhattan Platinum
 
4.5 / 5.0
by 1 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 999
Reward type:
Shopping & Cashback
RBL Titanium Delight Card
Annual Fee:
Joining Fee: Nil
1st year:750 p.a.
Renewal Fee:750 p.a.*
Renewal fees is waived on credit card usage of Rs 1 lakh and more
Reward type:
Shopping and Cash back
SBI Gold and More Card
 
3.5 / 5.0
by 43 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 51 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
Moneyback
 
3.5 / 5.0
by 5 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
SBI Signature Card
 
4.0 / 5.0
by 4 users
Annual Fee:
1st year: 4999 + GST@12.36%
2nd year onwards: 4999 + GST@12.36%
Reward type:
Premium
American Express Platinum Reserve Credit Card
 
3.5 / 5.0
by 3 users
Annual Fee:
5,000 + ST
Reward type:
Premium
Visa Infinite
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Premium
RBL Platinum Maxima Card
Annual Fee:
Joining Fee: Nil
1st year:2000 p.a.
Renewal Fee:2000 p.a.
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
IndusInd Bank Platinum Credit Card
 
3.5 / 5.0
by 21 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
Regalia
 
4.0 / 5.0
by 6 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
Citibank Rewards Card
 
4.0 / 5.0
by 197 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
Citibank Cashback Card
 
4.0 / 5.0
by 43 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 184 users
Annual Fee:
Nil
Reward type:
Fuel
Visa Infinite
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Premium
Inner Circle Platinum
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Lifestyle
Platinum Rewards
 
0.5 / 5.0
by 1 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Shopping & Cashback
Super Value Titanium
 
4.0 / 5.0
by 1 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 750
Reward type:
Fuel
Manhattan Platinum
 
4.5 / 5.0
by 1 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 999
Reward type:
Shopping & Cashback
SBI Gold and More Card
 
3.5 / 5.0
by 43 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 51 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 62 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
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 13 users
Annual Fee:
First Year Free
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
Moneyback
 
3.5 / 5.0
by 5 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 7133 users  
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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

  • Micro Business Credit Cards for
    MSMEs in West Bengal

    Coming as a boon for Micro, Small and Medium Enterprises, the West Bengal Chief Minister, Ms. Mamata Banerjee launched the Micro Business Credit Cards at a programme organized at the state secretariat recently. The Micro Business Credit Card will help small and medium entrepreneurs to easily avail cash credit or loans up to Rs 5 lakhs to set up or grow their businesses, without any collateral security requirements. Farmers and agriculturists will benefit from this as they can easily use the credit availed to start businesses.

    The Chief Minister thanked the State Bank of India for extending their support to facilitate this venture. The West Bengal Government has sanctioned Rs 200 crores for this purpose and clearance processes related to Micro Business Credit Cards have been chalked out with clarity. She added that the Government has already started facilitation centers in Bardhaman, Durgapur, Asansol and other places in West Bengal and encouraged business entrepreneurs to actively participate in this new scheme. SBI confirmed that the West Bengal card launch will be a testing phase for the bank and they intend to start the same in other Indian states if this new attempt is a success.

    27th February 2015

  • ICICI introduces "Pockets"
    for Android Devices

    ICICI has recently launched its e-wallet called ‘Pockets’ for android devices which allows users to send money to anyone via email, mobile number, Facebook and even directly to their respective bank accounts. This makes an addendum to the existing Facebook banking application of the same name launched by ICICI in 2013.

    The new Pockets application combines a digital wallet, a physical prepaid card and a basic savings bank account. This app can be downloaded by existing customers as well as by customers of other banks and they can add funds through any existing debit/credit card or bank account. Non-ICICI Customers will be charged NEFT transaction fees. The product features a virtual Visa card and a physical card is provided upon customer’s request.

    26th February 2015

  • Banks to Cut Credit Card
    Interest Rates

    In what appears to be a gratifying move aimed at providing relief to millions of credit card users in the country, the Reserve Bank of India (RBI) has directed banks and NBFC’s to rework the interest rates billed on outstanding balance.

    This decision was taken on 13th February 2015 during the release of “Annual Report of the Banking Ombudsman Scheme for the year 2013-2014”.The conference held in Mumbai was led by Governor, Raghu ram Rajan and attended by the top leadership from the Apex Bank and bank ombudsmen.

    The report observed that interest charges on credit card balances was remarkably high when compared to other credit products or similar offerings in the market. The IBA (Indian Banks Association) has been entrusted with the task of issuing detailed guidelines in this regard. IBA has also been asked to forge a policy of “Zero Liability” with regards to customers falling prey to online fraudulent transactions.

    Some of the key decisions taken during the conference were a direct result of increase in the numbers of complaints received by Ombudsman offices across the country in 2013/14.

    19th February 2015

  • MasterCard Renews Commitment
    to India, Opens 2 Facilities.

    Global payment pioneer, MasterCard is serious about enhancing the phenomenon of cashless transactions in India. Still in a nascent stage, the market for card payments and similar cashless dealings has an enormous untapped potential in India, a factor that MasterCard hopes to exploit by incrementing its association with this country- one of the largest commercial marketplaces in the world. Pertaining to this, MasterCard has launched a technology hub with state-of-the-art facilities at Pune and Vadodara. These centers are MasterCard’s largest infrastructure commitments outside the United States. The Pune facility is slated to target the company’s processing business, while the Vadodara facility will focus on digital wallets. MasterCard views India as a priority market- accounting for 10% of its global workforce and recipient of an investment of $250 million in 2014.

    17th February 2015

  • Looking to get hired for a bank job?
    It’s time to set your
    credit record straight!

    What could an awry credit history cost you, beside some late fees? Well, now, it can cost you that job you’ve been trying for! As part of their recruiting process, leading private and foreign banks in India will be verifying credit records, not only for senior positions but also positions across the firm. With help from organizations like Credit Information Bureau Ltd. (Cibil), this practice is soon to become a part of the standard pre-employment process among banks looking to hire new candidates. How to avoid earning a bad credit score? Ensure that you have settled all loan amounts or credit card dues and neither you nor a co-borrower is a defaulter on your credit interest / principle.

    9th February 2015


   Credit Card Reviews
Customer Reviews
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  • Validated User
    (7)

    I am holding a Signature credit card from State Bank of India. The customer service provide by the bank is very poor. So far I have spent 200rs of my mobile recharge to reach the customer service executives and in the end there was of no use and I have to stay on the line for a long time. I use the credit card for shopping, in super markets, to purchase groceries and for household items. The rate of interest charged and the processing fee is high.

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    b took a Credit Card from STATE BANK OF INDIA Reviewed on
  • Platinum Edge
    0.5 5.0/5
    Validated User
    (4)

    I use my HDFC platinum Edge card mainly for the shopping purpose. For every 100 rs spent I do get a bonus point of 3 and I am able to redeem the bonus points as cash within 6 to seven days. The customer service provided by HDFC bank is excellent as they answer my call even in late night and there is 24/7 service hours. The emi options and the coupon are an added advantage to HDFC bank. Overall I am very satisfied with the service provided by HDFC bank.

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    b took a Credit Card from HDFC BANK Reviewed on
  • Validated User
    (4)

    If we purchase any thing using My choice credit card, immediately executives call and explain the details and also they provide flexible payment option. By the service of Axis bank, I recommended ten people to this credit card particularly. We can choose credit card in two scenario like travel and super market. If we purchase for 1500 in super market, cash back I get as 150. This credit card will help us very much.

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    thirunavukkarasu took a Credit Card from AXIS BANK Reviewed on
  • Validated User
    (1)

    I am holding a Coral Visa platinum credit card of ICICI Bank, the limit offered by them is very less which is rs 20000. I still prefer using ICICI credit card in petrol pump as I get some waiver and all most all the merchant holds the EDC machine of ICICI and so its acceptable at all places. Another good thing about ICICI Bank is, it is very easy to make the payment as I have an account with them.

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    vijaya took a Credit Card from ICICI BANK Reviewed on
  • Validated User
    (5)

    I am holding a HDFC Master Titanium credit card the limit offered by them was 60000. They have offered a limit of 30% on top of my salary. However ICICI did not offer that. The second best part about HDFC bank is, they have given ample of time to make the payment which is 90 days where as other Banks are providing only 45 days time.

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    vijaya took a Credit Card from HDFC BANK Reviewed on
  • Validated User
    (3)

    At times there will be some issues but Axis bank is good. I did purchase products in EMI but not sure about the interest rate. The interest rate should be nominal. In a year I purchase more than 75thousand so the annual charges will be waived off. Credit card is linked to my salary account but at times I pay payment through online. One time I was unable to pay credit card bill on time as I was out of station and there I could not access Internet. Later when I checked, the card was declined as it was locked by Axis bank, which I felt irritated. As this card linked to my account so they might have deducted from the account but they did not do.

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    santosh took a Credit Card from AXIS BANK Reviewed on
  • Validated User
    (1)

    Earlier it was Platinum credit card where Citibank moved away and replaced with Citibank rewards credit card. Obviously this credit card have benefits of rewards points. Everything I found comfortable with Citibank because for to add my personal information, I can do it via online without any document procedures. Citibank is good in customer service but they are rigid sometimes as no flexibility in increasing the credit limit. Most of the times I utilize this credit card for dinning where the discounts are about 15-20%. This is annual free credit card.

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    sundarachellam took a Credit Card from CITIBANK Reviewed on
  • (0)

    I HAVE AN WONDERFUL EXPERIENCE WHILE DEALING WITH THIS BANK DURING MY ALL TRANSACTIONS.THE RESPONSE, EFFICIENCY AND PROMPTNESS ARE THE THREE INGREDIENTS THAT THIS BANK HAS AT ITS POSSESSION BETTER THAN ANY INDIAN BANK AT THIS POINT OF TIME.

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    anupam took a Credit Card from CITIBANK Reviewed on
  • Moneyback
    0.5 5.0/5
    Validated User
    (2)

    the best and the most interesting way to apply for the most suitable credit card. it gives the option of hassle free application to apply simultaneously for different banks. even on some cards you get lifetime free membership if you apply via bank bazar.

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    vikrant took a Credit Card from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (5)

    Axis bank is very good and they understanding their customers. Actually my father passed away and before that he was hospitalized so I could not pay due for two months and later I mentioned this to Axis bank people where they charged very minimum, really feeling good. I hold My Choice credit card and concern is that, at times Axis bank charge high when we miss the payment date just for two days.

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    took a Credit Card from AXIS BANK Reviewed on
  • Validated User
    (6)

    Kotak credit card is a brand new card. This was taken before 20 days of time. Credit limit offered by them was 35000 when compared with SBI its low. Incase if I use the card continuously for 90 days, they would waive off the annual fee. The documentation procedure was very complicated as, they have asked for lot of papers works and verification process was very tough.

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    rama took a Credit Card from KOTAK MAHINDRA BANK Reviewed on
  • Validated User
    (9)

    I am holding a credit card of SBI , its a new card this was taken before 20 days. They have charged about rs 565 not sure why they have charged. They took about 25 days of time to issue this credit card. It was very simple. they have given a credit limit of rs 47000 when compared with HDFC bank its less as HDFC offered me 1,50,000.

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    rama took a Credit Card from STATE BANK OF INDIA Reviewed on
Customer Reviews
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