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Credit Cards

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     Credit Card
Annual Fee
Reward type
Credit Card
Annual Fee
Citibank Rewards Card
 
4.0 / 5.0
by 199 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 185 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 6 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
 
4.0 / 5.0
by 3 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
Regalia
 
3.5 / 5.0
by 7 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
 
4.0 / 5.0
by 3 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 6 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Lifestyle
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 185 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 199 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
 
3.5 / 5.0
by 7 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
Citibank Rewards Card
 
4.0 / 5.0
by 199 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 185 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 7154 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
    (0)

    If I fill fuel using this HPCL Coral Platinum chip credit card, will get extra rewards points and those points cannot be converted in to cash instead can buy products online. Other than fuel offer, movie ticket offers are there as buy one get one. We can get movie ticket offers every month. Comparing to other banks, ICICI bank is not providing much benefits to the existing customers. I suggest ICICI bank to reduce the rate of interest for late payment as it is suffering lots of customers. Moreover benefits and offers should provided to long tenured customers.

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    prakash took a Credit Card from ICICI BANK Reviewed on
  • Validated User
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    I am being with ICICI bank for more than 12 years and satisfied with services. I told ICICI bank to increase the credit balance on my HPCL Coral Visa credit card but they informed that I have to pay some charges to increase the limit thus I did not move to further step. Twelve years ago, they gave credit limit of 26,500 and still I am having the same. Customer service of ICICI bank is wonderful and never faced issues. Mainly this is annual free credit card so really happy. Great if ICICI bank provide value added services to existing customers.

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

    I am holding a CITI Bank rewards and IOC credit card. These cards are very good and I can use the rewards points in IOC petrol pump . I can also redeem these bonus points in authorised centres like shopping malls and for online purchase . I may not aware about the disadvantages of this card as this is the only card I have used and its pretty much easy to use and any one can use it.

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    sravanth took a Credit Card from CITIBANK Reviewed on
  • All Miles
    0.5 2.0/5
    Validated User
    (0)

    recently I have applied one credit card from HDFC bank through site but sorry to say that their is lack of coordination with Principals, I have been called by bank for appointment and after fixing up the timings no one has come to collect the docs.. very poor response.. this is the response when mine CIBIL score is 800

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

    Hdfc bank is the worst bank.its being 2 months and status is still progress. When ever I try to contact them they want 4 working days to respond. Executives just want to complete their targets, once you apply they never take your call. Very bad experience.

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

    I am holding a credit card of CITI BANK. I have been holding this credit card for quite some time however they have not increased the limit. It could be great if they increase the limit. It is a Master international card. I have used the card for a Jewellery purchase. I have tried to convert that in to EMI and there is no charges for the same.

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

    I am holding a credit card of HDFC Bank. I dont like the way they address the query on time. They have provided a limit of 80000 and they dont enhance the limit not sure why. There is no redemption options on this credit card. When I enquired on this they did not provide any sort of response for the same . There is a annual fee on this card.

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

    I am holding a Axis bank Platinum credit card, the annual fee charged by them on this card would be rs 500. I hardly use this card so no drawbacks as such. The speciality of this card is, they provide good bonus points against all sort of transactions. I have not redeem the points though. They have recently upgraded the card to a better card.

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

    Customer service is good in SBI. It is government bank so at times the charges and rate are high. Again the annual charges are high as 400, if fail to cross the limit of 40,000 in a year. Basically this is gold and more credit card and it provides some cash back offer and get some points where the points can be converted in terms of rupees or can redeem directly on the bill.

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

    Not experienced the offers and benefits of the HDFC bank credit card as I got it three months ago. Offers are lot in HDFC bank credit card and the offers are available fuel filling and in any type of groceries we can get some offers and also this card works in EMI conversion. It is life time free credit card. I got entire information of credit card from the executive. I did not pay any joining fee and also did not get any joining bonus.

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

    Never used HSBC bank credit card and till date I did not see offers in terms of rewards or cash. This card is free of cost so I am holding. Apart from Croma and Reliance, I never observed the offer of HSBC. HSBC is good bank but they have to collaborate with different merchandise to give some offers so customers will be benefited.

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    nitesh took a Credit Card from HSBC BANK Reviewed on
  • Validated User
    (0)

    Shoppers stop Citibank credit card it is and whenever I shop there, get some additional discounts of 5% in garment and also rewards points are applicable. This is not effective only in shopper stop and also can use in anywhere but depending upon the usage we get benefits. We can accumulate the points and can redeem it in shoppers stop. Annual charges will be levied if I purchase for 40,000 in a year.

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    nitesh took a Credit Card from CITIBANK Reviewed on
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