Credit Cards

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Credit Card
Annual Fee
Citibank Rewards Card
 
4.0 / 5.0
by 232 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 5 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 22 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 13 users
Annual Fee:
3000 + ST
Reward type:
Airline
Jet Airways American Express Platinum Credit Card
 
5.0 / 5.0
by 1 users
Annual Fee:
5,000 + ST
Reward type:
Airline
American Express Platinum Reserve Credit Card
 
3.5 / 5.0
by 4 users
Annual Fee:
5,000 + ST
Reward type:
Premium
Citibank Cashback Card
 
4.0 / 5.0
by 50 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
American Express Platinum Travel Credit Card
 
4.0 / 5.0
by 14 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 18 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 228 users
Annual Fee:
Nil
Reward type:
Fuel
Standard Chartered Visa Infinite Credit Card
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Premium
Standard Chartered Inner Circle Platinum Credit Card
 
3.5 / 5.0
by 5 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Lifestyle
Standard Chartered Emirates Platinum Credit Card
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: 13,999
Renewal Fee 2nd year onwards: 13,999
Reward type:
Airline
Standard Chartered Platinum Rewards Credit Card
 
2.5 / 5.0
by 7 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Shopping & Cashback
Standard Chartered Super Value Titanium Credit Card
 
4.0 / 5.0
by 3 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 750
Reward type:
Fuel
Standard Chartered Manhattan Platinum Credit Card
 
4.5 / 5.0
by 9 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
 
0.5 / 5.0
by 1 users
Annual Fee:
Joining Fee: Nil
1st year:2000 p.a.
Renewal Fee:2000 p.a.
Reward type:
Premium
RBL Platinum Delight Card
Annual Fee:
Joining Fee: Nil
Annual Fee: 1000 p.a.
Renewal Fee: 1000 p.a.
Reward type:
Shopping and Cash back
SBI Gold and More Card
 
3.5 / 5.0
by 66 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
 
4.0 / 5.0
by 29 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 29 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
Jet Airways IndusInd Bank Voyage Amex Credit Card
Annual Fee:
1st year: 4,000
2nd year onwards: 2,000
Reward type:
Airline
Jet Airways IndusInd Bank Voyage Visa Credit Card
Annual Fee:
1st year: 4,000
2nd year onwards: 2,000
Reward type:
Airline
IndusInd Bank Chelsea FC Credit Card
 
4.5 / 5.0
by 1 users
Annual Fee:
1099
Reward type:
Lifestyle
Diners Rewardz
 
3.0 / 5.0
by 9 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
Diners Premium
 
3.5 / 5.0
by 6 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Lifestyle
Moneyback
 
4.0 / 5.0
by 18 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
All Miles
 
3.5 / 5.0
by 6 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
Regalia
 
4.0 / 5.0
by 8 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
Citibank PremierMiles Card
 
4.0 / 5.0
by 13 users
Annual Fee:
3000 + ST
Reward type:
Airline
Jet Airways American Express Platinum Credit Card
 
5.0 / 5.0
by 1 users
Annual Fee:
5,000 + ST
Reward type:
Airline
Standard Chartered Emirates Platinum Credit Card
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
Jet Airways IndusInd Bank Voyage Amex Credit Card
Annual Fee:
1st year: 4,000
2nd year onwards: 2,000
Reward type:
Airline
Jet Airways IndusInd Bank Voyage Visa Credit Card
Annual Fee:
1st year: 4,000
2nd year onwards: 2,000
Reward type:
Airline
All Miles
 
3.5 / 5.0
by 6 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
American Express Gold Card
 
4.0 / 5.0
by 22 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
Standard Chartered Inner Circle Platinum Credit Card
 
3.5 / 5.0
by 5 users
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 Chelsea FC Credit Card
 
4.5 / 5.0
by 1 users
Annual Fee:
1099
Reward type:
Lifestyle
Diners Premium
 
3.5 / 5.0
by 6 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Lifestyle
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 228 users
Annual Fee:
Nil
Reward type:
Fuel
Standard Chartered Super Value Titanium Credit Card
 
4.0 / 5.0
by 3 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 232 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 50 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
American Express Platinum Travel Credit Card
 
4.0 / 5.0
by 14 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 18 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
Standard Chartered Platinum Rewards Credit Card
 
2.5 / 5.0
by 7 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Shopping & Cashback
Standard Chartered Manhattan Platinum Credit Card
 
4.5 / 5.0
by 9 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
RBL Platinum Delight Card
Annual Fee:
Joining Fee: Nil
Annual Fee: 1000 p.a.
Renewal Fee: 1000 p.a.
Reward type:
Shopping and Cash back
SBI Gold and More Card
 
3.5 / 5.0
by 66 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
Diners Rewardz
 
3.0 / 5.0
by 9 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
Moneyback
 
4.0 / 5.0
by 18 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
SBI Signature Card
 
4.0 / 5.0
by 5 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 4 users
Annual Fee:
5,000 + ST
Reward type:
Premium
Standard Chartered Visa Infinite Credit Card
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Premium
RBL Platinum Maxima Card
 
0.5 / 5.0
by 1 users
Annual Fee:
Joining Fee: Nil
1st year:2000 p.a.
Renewal Fee:2000 p.a.
Reward type:
Premium
SBI Platinum Card
 
4.0 / 5.0
by 29 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 29 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
Regalia
 
4.0 / 5.0
by 8 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
Citibank Rewards Card
 
4.0 / 5.0
by 232 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
Citibank Cashback Card
 
4.0 / 5.0
by 50 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 228 users
Annual Fee:
Nil
Reward type:
Fuel
Standard Chartered Visa Infinite Credit Card
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Premium
Standard Chartered Inner Circle Platinum Credit Card
 
3.5 / 5.0
by 5 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Lifestyle
Standard Chartered Platinum Rewards Credit Card
 
2.5 / 5.0
by 7 users
Annual Fee:
Joining Fee: Nil
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: Nil
Reward type:
Shopping & Cashback
Standard Chartered Super Value Titanium Credit Card
 
4.0 / 5.0
by 3 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 750
Reward type:
Fuel
Standard Chartered Manhattan Platinum Credit Card
 
4.5 / 5.0
by 9 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 66 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
Moneyback
 
4.0 / 5.0
by 18 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 8096 users  
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What is Credit Card?

Today, credit cards are an inevitable part of life. A benefit, accorded to individuals with the means to repay a loan or obligation in the stipulated time (as proven by their analysed credit histories), credit cards are a common mode of purchase and payments. In India, almost all nationalized and private banks, alongside a sizable number of private and public sector banking institutions offer their patrons the unlimited advantage of highly personalized credit cards.

BankBazaar offers you a wide selection of these cards, alongside the option to apply for them directly online. Why would you need a credit card? Read on…

How to use Credit Card? - Features of Credit Card:

The fundamental advantage of owning a credit card is that it eliminates the need for liquid cash, thereby offering protection to your monies and seamless convenience to you. Instead of buying products or services with hard currency, a simple swipe at the retailer’s outlet is all that it takes. Alongside this convenience, credit cards offer a string of other benefits including,

  1. Cash Back- For a designated amount spent using the credit card, a percentage is credited back to you. Usually, the cash back earned can be adjusted against the repayments due on your card.
  2. Reward Points- A specific limit of spending on your credit card earns you a specified number of reward points. These points can be redeemed for gifts, products and services on the bank’s own online facility or across a third party platform.
  3. Interest Free Credit- 0% interest rate on purchases done using the credit card. That’s right, a spend of Rs. X requires you to pay back just Rs. X and nothing more.
  4. Discount Offers- Partnerships between the card issuing bank and retail chains, e-commerce websites and other shopping facilities offer a specified percentage of discounts if the former’s credit card is used in the transaction at the said shopping facility.
  5. Co-Branded Cards- These cards as issued by a particular bank or financial institution is in association with another business organization wherein special privileges including discounts and reward points are offered to a customer who shops at the said business outlet. The co-branded cards usually display the logos of both partners and is beneficial to those who frequent a said business outlet. Co-branding is common between banks and airline companies, petrol station franchises and promoters of high-end lifestyle products and services.
  6. Source of Ready Cash- Your credit card can also be used at an ATM to draw out money. While the interest applicable on such transactions are usually very high, this option could be handy through an unforeseen financial contingency.

What Happens after I Swipe My Credit Card at a Merchant’s POS Machine?

Of course, the million dollar question. While the mechanics of using a credit card on a day-to-day basis isn’t too complicated, the associated back-end process associated with a simple card swipe is too technical for a common individual to comprehend. In actuality, the procedure is very simple and safe-

  1. Purchase over, you hand the credit card to the retailer to pay for your purchase. He swipes, with an accompanying smile, of course.
  2. The merchant’s Point of Sale (POS) system is connected to the merchant’s bank via a communication link.
  3. Thanks to the POS system, your details are verified in real-time using the electronic verification system by the merchant’s bank. The verification is with regards to your credentials, validity of the card and availability of sufficient balance to pay for the purchase.
  4. Post the verification from the merchant’s bank, the details are forwarded to your bank for payment authorization if all the information is in order.
  5. When the merchant’s bank receives this authorization, it blocks the requisite amount from your credit limit to account for the purchase later on. Next, it generates an approval code that is transmitted to the merchant.
  6. At the merchant outlet where you stand for the clearance to affect quickly, the retailer receives this code and must key it in to obtain two charge slip copies from the POS system. One of these slips signifies your agreement with the card issuing bank to pay for the current purchase. You sign on this slip and return it back to the retailer. The other copy is yours to take away from this transaction.
  7. Safe, comprehensive and fast, all of these steps were affected in less than 2 minutes. Neat, right?

Borrowing from a popular axiom, ‘With great power comes great responsibility’, and the same holds very true in the case of credit cards. While a handy financial help, a source of ready cash and a safe and beneficial way to pay for your purchases, the misuse of this facility could be detrimental to your long term financial health. Credit card debt, defaulting on your monthly repayments or drawing up a massive pile of credit card purchases and consequently, a stiff interest rate are things to be constantly aware of. The best way to enjoy your credit card is responsibly and with caution and tolerance. While the temptation may be high to unleash a shopping spree with your brand new credit card, remember, the money you spend is not your own- it must be returned back, with interest and on time!!

Why Apply for a Credit Card through BankBazaar?

BankBazaar, the helpful portal dedicated to comparing various banking products, including the comparison of credit cards, is a boon to any newbie, who is taking his/her first steps in the credit card universe. The reasons to apply for your first credit card with BankBazaar are many, the highlights of which are exemplified by the following-

Hassle Free Process- Strictly opposite to visiting a bank’s physical outlet, thereby incurring an expenditure of time, money and effort, applying for a credit card on BankBazaar is simpler and quicker. Plus, there are no documents to submit or verifications to affect immediately. Simple? It surely is.

Compare Credit Cards- BankBazaar lists almost all the popular credit cards, as issued by the various domestic and international banks and other financial institutions. The simple credit card comparison helps you to choose the card that best suits your requirements and limitations. All of this, from the comfort of your home or work-station.

Apply for Credit Card- Post the comparison, BankBazaar gives you the option to apply for your chosen credit card online, from its interactive and simple interface.

Know it All- From such informational bytes as the latest happenings across the Indian credit cards landscape to important details as credit card eligibility, all the information you need, in one convenient package on BankBazaar.

24x7 Support- Apply for a credit card online and enjoy BankBazaar’s brand of superior customer support, applicable 24x7, 365 days a year.

Applying for a credit card on BankBazaar is a simple and non-taxing process. The following steps list this process clearly-

  1. On BankBazaar’s homepage, access the ‘Credit Cards’ option from the navigation bar at the top of the page.
  2. Two options are offered to help simplify your search for the ideal credit card- ‘By Bank’ or ‘By Category’.
  3. Upon choosing the Apply ‘By Bank’ option, a comprehensive listing of all the major and popular credit cards are displayed before you. Each card offers two additional options- ‘Check Eligibility’ and ‘Explore Card’.
  4. Naturally, ‘Check Eligibility’ option will allow you to confirm upon the factors that qualify you for the ownership of the card in question. The steps involved are laid out in an interactive and fun format and takes all of 5 minutes to complete. At the end of this process, your details are requested for and a selection of the most applicable credit cards are displayed before you. Herein, you can apply for a card that matches your requirement directly.
  5. ‘Explore Card’ allows you to know about the particular credit card.
  6. Tracking back to Step 2, choosing the Apply ‘By Category’ option offers you credit cards in the following categories- Airline, Fuel, Lifestyle, Shopping & Cashback as well as Premium Credit Cards.
  7. Choosing any of the above categories will list a selection of cards in that category. Further, Step 3 and Step 4 are repeated.
  8. Upon applying for a credit card on BankBazaar, your information is forwarded to the card issuing bank for further analysis and confirmation. Note that not all credit cards that are listed as prospective options for you can be applied for directly on the website. In such cases, the process could take a while longer.

FAQs for credit cards

  1. How does a credit card work as a cashless payment instrument?
  2. A credit card is a payment card issued by a particular bank for customers looking to avail instant credits to easily purchase goods and services without spending a single penny from their pockets. The bank extends a line of credit with which the user borrows money, to be paid to a merchant. The cardholder is required to pay back the borrowed sum of money subsequently to the lender bank along with extra interest rates.

  3. What are the different types of credit cards available for customers in India?
  4. Credit cards in India are available in different variants like Gold, Silver, Platinum, Titanium, Classic, Premium and Business, distinguished by the level of services they offer.

    Specific to a customer’s requirement the following are also offered:

    • Co-branded credit cards
    • Auto and fuel credit cards
    • Travel cards
    • Entertainment cards
    • Cashback cards
    • Credit cards for women
    • Lifestyle cards
    • Rewards cards

  5. What kind of features do credit cards offer in common to an Indian customer?
    • Cashback offers
    • Low Interest Rates
    • Balance Transfer Options
    • Free cards for life
    • Insurance coverage
    • Rewards points
    • Air Miles
    • Fuel surcharge waivers
    • Pre-approved loans on credit cards
    • Payment via monthly EMIs
    • Add-on cards

  6. How do I own a credit card in India?
  7. Customers need to get in touch with an executive from a bank of their choice and submit a filled-in application form with the required documents. The bank will process your application after appraising your credit history and will then approve the new credit card according to your requirements.

  8. How important is it to understand the interest rate charged by a bank on a particular credit card?
  9. In India, banks charge the highest rate of interests for credit cards, from 36% to 42% per annum. A bank decides the interest rate for a particular customer based on his credit history, financial capability and also depending on the type of card he chooses. Applicants with good credit scores and regular payment patterns get the best deals on their credit card interest rates.

  10. What are the different payment networks utilized by banks in India for credit card transactions?
  11. Banks in India have tied up with Visa, MasterCard and American Express (AMEX) to process credit card payments, connecting merchant accounts with the acquiring banks.

  12. What are the eligibility requirements to be fulfilled while acquiring a credit card?
  13. In India, banks generally offer credit cards to individuals above the age of 21 and with a steady monthly income. As part of their verification process, banks do a deep dive into the customer’s credit history and assess previous payment patterns to understand the customer’s financial situation. Only after ensuring that the applicant has the financial capability to repay the expenses incurred using a credit card, will the bank approve the customer’s application.

  14. Is there a minimum salary criterion required to be met while applying for credit cards in India?
  15. Yes, in India applicants are required to earn a minimum of Rs 75,000 to 1 Lakh per annum, though this criterion varies depending on the type of the card.

  16. What does APR refer to with respect to a credit card?
  17. Annual Percentage Rate (APR) or the ‘’cost’’ at which a customer takes credit from a bank, is the simple interest rate charged by a bank on expenses incurred on a credit card for a year.

  18. Do banks levy any charges for late payment of credit card bills?
  19. The best mantra while managing a credit card is to ‘’Pay as and when you can”. Delaying a credit card payment is not a wise option, as banks tend to impose high late payment fees and gradually increase the interest rates charged. The customer would actually end up paying way more than his original purchase amount.

  20. Do add-on or supplementary cards carry the same features as their primary credit cards?
  21. Add-on cards can be taken for family members of the primary card holder with extra charges anywhere between Rs 125 to Rs 1000. The credit limit of the primary card gets carried over to the new card with similar features. Also customers can get a comprehensive bill with details of both the cards.

  22. How do global cards help a frequent traveller?
  23. Global credit cards give a customer the leeway of instantly performing cashless transactions from any corner of the globe. Accepted worldwide, global cards give you the flexibility of spending in any foreign currency and later paying your bills in your local currency. A customer can also avoid the hassle of carrying huge amounts of cash or using traveller’s checks.

  24. What do credit card reward programs offer?
  25. Credit card reward programs have been introduced by lenders to popularize the various cards they offer by rewarding a customer for transacting using their credit card. The cardholder is awarded points as per his expenditure for purchasing goods and services. The accumulated points can later be redeemed by customers for certain discounts and gifts as per the bank’s guidelines.

  26. What measures are Indian banks required to take to avoid credit card fraud?
  27. The Reserve Bank of India mandates the provision of multiple levels of authentication from banks, for customers using credit cards to make an online purchases. Additionally, customers are advised by banks to use their credit card credentials only in encrypted internet connections to avoid fraudulent transactions.

  28. How does the cash advance facility help an Indian credit card holder?
  29. Customers can also use their credit cards as ATM cards and withdraw a stipulated amount of cash, preset by the bank as cash advance. Though this feature gives a customer access to instant cash, the bank charges very high interest rates for credit taken using this facility.

News about Credit Card

  • E-Commerce Sites to Offer
    Zero-Interest on EMIs

    E-Commerce giants like Flipkart, Amazon, Snapdeal and others, might give another reason for their customers to rejoice. Interest-free instalment plans are being worked on, by non-bank finance companies. Currently, this option is available only for buying from large offline stores. The zero-interest EMI initiative is being led by Bajaj Finance. It is working on developing a payment gateway to suit the EMI transactions. Implementing this system would mean a change in technology in the back-end.

    Though most E-Commerce sites offer a cash-on-delivery option, payment gateways are suited for transactions made through credit cards, debit cards or net banking. Indian customers are very fond of the EMI model, and eliminating the interest rate on the same is expected to be a huge success. This facility is likely to start with items like televisions and mobile phones.

    30th March 2015

  • Government to Introduce Credit Card
    Payment for Toll Booths

    The Maharashtra State Government, with a view to reduce traffic jams, is planning to introduce a system where toll charges can be paid through credit cards. The issue of traffic jams in highways due to toll booths was raised during a session where this decision was made collectively by the ruling and opposition parties. Credit cards would facilitate simpler payments and reduce the total interaction time at toll booths. While the state’s PWD Minister said that vehicles from villages near Kharghar toll booth was initially exempted from toll fare, he also noted that the exemption cannot be a long term solution.

    Isn’t it high time that you applied for a credit card? BankBazaar.com will help you shortlist the perfect credit for your lifestyle needs. Also, with BankBazaar’s credit card comparison tool, you can compare the features and benefits of credit cards and also apply online!

    25th March 2015

  • Get a credit card along with
    your fixed deposit

    In order to keep a check on borrowers, Indian banks like ICICI, Axis, Kotak, SBI and Central Bank are offering credit cards against fixed deposit accounts. Banks are promoting this twin package aggressively as fixed deposits can be used as a fall back feature in case of delayed or irregular credit card payments. A customer requires to have an existing fixed deposit account or open a new one in order to apply for a credit card. The deposit amount accepted ranges from Rs 20, 000 to Rs 25 lakhs.

    Unlike the traditional way of processing applications, in this case a bank processes a credit application quickly and customers only have minimal documentation to finish. The fixed deposit associated with the credit card needs to be taken for a minimum tenure of 180 days and a lien would be marked against the deposit. The credit limit allotted on this particular type of credit card is 80% to 85% of the fixed deposit amount.

    23rd March 2015

  • Swipe for Less than Rs.2000 &
    PIN Disclosure isn’t required: RBI

    The Reserve Bank of India (RBI) is easing off the norms for payments affected through NFC or contactless cards by negating the need for additional authentication in cases where the transactions are lesser than Rs.2000. Usually, this additional authentication comprised of supplying a PIN number or entering the OTP (One Time Password). The apex bank notes that this ruling follows the wide-spread request from customers to ease this process and is definitely not a trade-off between the inherent security that additional authentication vouches for. RBI advocates the use of technologies that will help in this initiative, including new-age techniques like Near Field Communication (NFC), which is currently used in contactless cards. At the moment, only ICICI Bank has rolled out NFC based cards while SBI is planning to follow suit soon.

    16th March 2015

  • Commute Hassle Free
    on Metro One in Mumbai

    Mumbaikars using the Metro on line 1 ( Versova-Andheri-Ghatkopar corridor) can now travel hassle free with a combo card that doubles up as a credit/debit & metro smart card. Mumbai Metro One in association with ICICI and SBI cards, on Wednesday (25.02.2015), launched the combo card that comes with an in built functionality of auto reload if the balance is less than 50 rupees. The back end systems automatically top up the account for Rs.200.00 from the credit/debit card account linked to the combo card. This ensures that you never run out of currency in your metro account. This card can be used at any of the 12 Automatic Fare Collection (AFC) systems in Line 1 of Mumbai Metro. Customers can also use the combo card to make regular purchases and earn loyalty points.

    9th March 2015


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

    i used this card for my monthly grocery and petrol, no hidden charges, quickly we can connect with customer care and Wednesday shopping was very good i can save my money, thx to citi bank i have used my card and as of now i spended 2 lacks and i got Rewards points amounts rs5000 thx citi bank for giving me a financial support like a father to son

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

    I am using gold credit and so far not enjoyed facilities of EMI. The interest rate is of 36% per annum. Customer service of SBI is not outstanding so they have to improve on their service. Satisfied with the limit as I been offered with 1.75lakhs and it is convenient for me. Cash limit is of 50thousand but not enjoyed it. Billing date is of 15th of every month.

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    debabrata took a Credit Card from STATE BANK OF INDIA Reviewed on
  • Validated User
    (0)

    I am holding a Jet privilege card of ICICI bank. They provide very few offers. I used to get timely updates from them since 2006. I normally get offers on movie tickets and I used to get cash back . I normally use this card for movie tickets . I am yet to receive my internet banking id and password.

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    jeetender took a Credit Card from ICICI BANK Reviewed on
  • Validated User
    (0)

    This HDFC Credit card card was offered along with the personal loan.They have just sent the card not the pin number. I am receiving multiple calls form them asking whether I have received the card or not. I have clearly told them that I have received the card not the pin number. Looks like there is no proper co ordination amongst themselves.

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    jeetender took a Credit Card from HDFC BANK Reviewed on
  • Validated User
    (0)

    I am holding a credit card of HSBC. I am getting special privileges there is no need for me to carry all my proof to the branch to clear the identity. I all to do is just show my id card and that would be all. Mine is a gold credit card and I have been holding this for the past 7 years and they increase the limit on a timely basis.

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    jeetender took a Credit Card from HSBC BANK Reviewed on
  • Platinum Edge
    0.5 5.0/5
    Validated User
    (0)

    I hold a platinum edge card with HDFC and I am very happy with the service provided by HDFC in availing this card. It was an easy process for me to get this card since I hold an account with the same bank.I mostly use this card for purchasing and I get 5% cash back on paying electricity and mobile bill. I mostly get reward points for purchases but I have not redeemed them so far.The credit limit of the card is 45000 which has zero annual fee.I will surely recommend this card to my friends for their benefits.

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    chandra took a Credit Card from HDFC BANK Reviewed on
  • (0)

    i have been using the indian oil card since 2007. great card to have. most of the cards have been revised and the payment per point is reduced to 33 ps or something like that, but the indian oil still has 1 point = 1 rupee for filling up fuel. have been using the card a lot and earning points.

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    shashitej took a Credit Card from CITIBANK Reviewed on
  • Validated User
    (0)

    I am holding a Amex credit card this card was issues last month only. I am supposed to get lot of offers on this card. I have been given booklet for such offers. I dont use the credit card in ATMS. I normally use it for retail purchase . Payment options are really good. I have planned to pay my bills online.

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    arindam took a Credit Card from AMERICAN EXPRESS BANKING CORPORATION Reviewed on
  • Validated User
    (0)

    I am holding a SCB credit card and it is really good. They are providing lot of offers on petrol and I normally get cash back on utility bills and mobile bills upto 5%. I have been using it for the past 7 years the credit limit offered by them is satisfactory and they have pro actively increased the limit once or twice and I have got notification for that as well.

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    arindam took a Credit Card from STATE BANK OF INDIA Reviewed on
  • Validated User
    (0)

    Fair enough I am holding a credit card of CITI Bank. They provide a lot of options and discounts and benefits on this card. I have been holding this card for the past 3 to 4 years and I am okay with the credit limit offered by them it is same right from the start till now.

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    arindam took a Credit Card from CITIBANK Reviewed on
  • Validated User
    (0)

    This is a basic credit card and took it a month ago where offers are not great. I hold and took this Axis bank titanium credit card only for the reason of life time free as we can use it for a long time. I did not pay any joining fee to get this credit card. Normally I will never recommend credit cards to people.

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    ravi took a Credit Card from AXIS BANK Reviewed on
  • Validated User
    (0)

    Whatever I need for HDFC bank got it but not sure about the name of the credit card. I am using HDFC products for several years and like in holding their credit card. Offers are available during shopping and at times they are giving travel discount but exactly this will not work for me because I will never travel a lot. If we want to avail discounts have to buy something so simply using the credit card. Paying credit card bills timely so no idea about financial charges.

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    ravi took a Credit Card from HDFC BANK Reviewed on
Customer Reviews
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