Credit Cards

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     Credit Card
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 12 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 176 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 12 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 176 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 12 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 176 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Shopping and Cashback

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Here are the main highlights of Credit Cards

Credit Card 4.0 / 5.0 by 6736 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

  • Where Credit Is Due: Paytm
    Makes Its Mark

    With more consumers adapting to changing payment systems, credit cards are facing stiff competition from mobile payment services such as Paytm. The mobile wallet service provider’s user base is estimated to be an admirable 20 million, which is higher than the total number of credit cards issued in the entire country. Mobile wallets, let users transact with merchants via their mobile phones. This is especially beneficial to those without credit cards or access to internet banking. In fact, most users of Paytm services are from Tier-II or Tier-III towns.

    In some cases, mobile wallet services are innovatively used to service those people without any kind of banking relationship at all. Merchants, usually shop-keepers or traders, create mobile wallets in return for cash from those without bank accounts, thereby increasing the service provider’s user base.

    Paytm processes transactions to the tune of $600 million dollars annually. Transaction fees vary between 1% and 5% with an average transaction value of Rs.300. Other providers of mobile wallet services in the country are MobiKwik, Oxigen and Citrus. With an increasing number of investors evincing interest in these companies, it can be expected that credit cards companies will face tougher competition than at present.

    30th January 2015

  • 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


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

    I am holding a credit card of CITI Bank. The reason why I have closed the card is because they charge a lot. I am happy with the credit limit offered by them . Its is the same as other banks. I have closed down the card there is no hassle . CITI has requested me to close the card where as I did not.

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    Fees & Charges
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    p took a Credit Card from CITIBANK Reviewed on
  • Validated User
    (0)

    Axis bank showed me different types of credit cards with different benefits so amongst that I opted the credit card where I can get offers in super market. Exactly the platinum credit card is not a life time free but the annual charges will be waived while crossing the purchase of 30,000. For every 150, I am availing 1 reward point. Terms and conditions of the credit card were mentioned precisely at the initial stage itself.

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

    Opted Jet Privilege Titanium credit card from HDFC bank and this is linked to jet airways so will get points. At present I am having 4000 points and not sure what I am going to get. Annually have to pay 499 for annual charge. Using this card in utility payment and for travel ticket booking. Credit limit is good where this card is worth of 1.20lakhs. Specific reason to choose this card is the credit period as they gave 50 days of period.

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

    I am holding a credit card of HDFC Bank . I have been maintaining credit cards just to increase my cibil scores. I have been getting mails and SMS about the offers on a timely basis. I am holding a Diners card they have me a good credit limit. Infact I have asked them to reduce my credit limit which has not been done yet.

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

    I am holding a credit card of ICICI Bank . There is no annual fee no membership fee for this card. I can earn good bonus points . 4 bonus points is equal to rs 1 . We can encash it against outstanding balance , free gifts and this request can be placed online. I can even call their contact centre to place a request for that. There is no fee for redemption.

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    sandeep took a Credit Card from ICICI BANK Reviewed on
  • Gold
    0.5 4.5/5
    Validated User
    (0)

    Services are really awesome in HDFC bank. Twice I lost my credit card so I escalated this to bank, accordingly they reissued new card without any delay. There is no annual charge on my Gold credit card. If do shopping in Croma and shoppers stop, offers are applicable and also discounts for some products. During festival time they are giving cash back offer. Wonderful if HDFC bank provides more offers than what they are offering at present. I am pretty satisfied with the offered credit limit of 60 thousand so not expecting for any enhancement over the limit.

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

    I got the credit card from Kotak Mahindra bank along with my corporate account so I am not sure about the type of the credit card. Annual charge is nil where no need to pay anything. Getting billing schedule timely and billing cycle is 60 days. Till now I never used the credit card so I donâ??t know about features and benefits of the credit card.

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    sunila took a Credit Card from KOTAK MAHINDRA BANK Reviewed on
  • credit card from hdfc
    https://graph.facebook.com/1351643726/picture?type=large
    , hyderabad
    Recommend Recommended by user
    Platinum Edge
    0.5 5.0/5
    Validated User
    (0)

    bankbazar portal helped me in comparing different options available, and made my search process easy and convenient. thank you. in fact the one who is new to credit card and other financial products can gain knowledge, which is very important in contemporary world.

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

    If I want to list the offers that on the ICICI coral credit card, getting movie tickets offer, buy one get one movie ticket offer and rewards points for every 100. Fuel sur charges will be waived off when utilize the card in HPCL station. Annual charges will be waived off while crossing the limit of more than 35thousand. Credit limit is 34 thousand and 7000 is cash limit. The only issue is that, though no backlogs they are not increasing the credit limit so I suggest ICICI bank to increase the credit limit by seeing history.

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

    Balance transfer option is available and EMI conversion is easy in SBI gold and more credit card. Interest rate is high as 14.5% and this is same when we convert the purchase in to tenure either 6 or 12 months. Rupees 500 is the annual charge. I suggest SBI to make customer service as 24x7.

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

    I am holding a CITI Bank Rewards card. The benefits are like I will get good rewards for all my purchases. The credit limit offered by them is really good. However it is still the same for past 2 years they have not increased my credit limit yet. They have not upgraded my card also. I will get good rewards and this can be en chased against outstanding balance.

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    anantha took a Credit Card from CITIBANK Reviewed on
  • Good
    https://cdn1.bankbazaar.com/images/customer_review/default-unknown-person.png
    , secunderabad
    Recommend Recommended by user
    Validated User
    (0)

    Credit limit over my HDFC bank Silver International credit card is 20k and cash limit is also the same. Reminders are reaching properly and satisfied with billing cycle. I have no idea about offers and discounts that available on the credit card as I hardly use this card because my sister is using it. Annual charge is something around 499 rupees.

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    alfred took a Credit Card from HDFC BANK Reviewed on
  • Titanium Edge
    0.5 4.5/5
    (4)

    service is good , interest is low , lots of offer in market. they are promising good interest rate and give very good service and you can get good rewards on points . on line payment option is very easy good customer service . hdfc also provide good offers in market

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

    As I am a Deloitte employee I was given this AMEX credit card. I hardly use this card. I mainly use it for my official purpose not for personal use. There are no finance charges no annual fee . I have been not been charged so far. It is an international card.

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    nagamallika took a Credit Card from AMERICAN EXPRESS BANKING CORPORATION Reviewed on
  • Validated User
    (1)

    Standard chartered bank in terms of credit card is quite ok. Incase, if the payment is been missed in any month, they charge around 500. There are no regular reminders also sent related to payments which is not advisable.

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    chethan took a Credit Card from STANDARD CHARTERED BANK Reviewed on
  • Validated User
    (0)

    Overall services of Citi bank rewards credit card is pretty good. They don't provide much benefits compared with other banks. They don't extend the hands to give the benefits to the customers and its limited. The charges is been too higher.

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

    I had no plans in applying the credit card with HDFC. Anyway they had requested me to get the credit card. So its in the stage of approval. Benefits was cleared however there was miscommunication in between.

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

    There are no much offers on the platinum credit card. Though there is no offer I took this card, due to nil annual charge for subscription. Credit limit is only 20,000 and there is no cash limit. Billing cycle is around 40 days. Reminders and credit card statement is reaching on time from ICICI bank.

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

    I normally prefer using this SCB Credit card than others. Actually they are charging much better than other Banks. They provide reward point which I can encash it. I am getting about 500 to 1000 as cash back . Every year they charge rs 800 per annum and good rewards. I did not face any issues so far. I am also getting surcharge waiver on this card. "

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    akash took a Credit Card from STANDARD CHARTERED BANK Reviewed on
  • Validated User
    (0)

    I did not use this HDFC Credit card much . I only use ICICI and SCB credit card. I am getting a fuel surcharge waiver . The credit limit offered by them was ok. They upgrade the card on a timely basis. There is no annual fee on this card. I am holding a platinum credit card for the last 2 years.

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    akash took a Credit Card from HDFC BANK Reviewed on
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