Credit Cards

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Credit Card
Annual Fee
Citibank Rewards Card
 
4.0 / 5.0
by 241 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 23 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
 
3.0 / 5.0
by 5 users
Annual Fee:
5,000 + ST
Reward type:
Premium
Citibank Cashback Card
 
4.0 / 5.0
by 54 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
The 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
The 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 236 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
 
3.0 / 5.0
by 8 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
Standard Chartered Yatra Platinum Credit Card
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Annual Fee 2nd year: 499
Reward type:
Airline
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
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 31 users
Annual Fee:
1st year: 2999 + GST@12.36%
2nd year onwards: 2999 + GST@12.36%
Reward type:
Premium
IndusInd Bank Platinum Credit Card
 
3.0 / 5.0
by 33 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
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
HDFC Bank Diners Rewardz Credit Card
 
3.0 / 5.0
by 10 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
HDFC Bank Diners Premium Credit Card
 
3.5 / 5.0
by 6 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Lifestyle
HDFC Bank MoneyBack Credit Card
 
4.0 / 5.0
by 23 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
HDFC Bank All Miles Credit Card
 
3.5 / 5.0
by 7 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
HDFC Bank Regalia Credit Card
 
4.0 / 5.0
by 10 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
SBI Simply Save Card
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
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
Standard Chartered Yatra Platinum Credit Card
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Annual Fee 2nd year: 499
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 Visa Credit Card
Annual Fee:
1st year: 4,000
2nd year onwards: 2,000
Reward type:
Airline
HDFC Bank All Miles Credit Card
 
3.5 / 5.0
by 7 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
American Express® Gold Card
 
4.0 / 5.0
by 23 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
HDFC Bank Diners Premium Credit Card
 
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 236 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 241 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 54 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
The 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
The 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
 
3.0 / 5.0
by 8 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
HDFC Bank Diners Rewardz Credit Card
 
3.0 / 5.0
by 10 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
HDFC Bank MoneyBack Credit Card
 
4.0 / 5.0
by 23 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
SBI Simply Save Card
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 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
 
3.0 / 5.0
by 5 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 31 users
Annual Fee:
1st year: 2999 + GST@12.36%
2nd year onwards: 2999 + GST@12.36%
Reward type:
Premium
IndusInd Bank Platinum Credit Card
 
3.0 / 5.0
by 33 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
HDFC Bank Regalia Credit Card
 
4.0 / 5.0
by 10 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Premium
Citibank Rewards Card
 
4.0 / 5.0
by 241 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
Citibank Cashback Card
 
4.0 / 5.0
by 54 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 236 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
 
3.0 / 5.0
by 8 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
HDFC Bank MoneyBack Credit Card
 
4.0 / 5.0
by 23 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
SBI Simply Save Card
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

*Check eligibility to see cards you are eligible for

Here are the main highlights of Credit Cards

Credit Card 4.0 / 5.0 by 8269 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

  • Financially Sound Scheduled Co Op Banks Can Now Issue Credit Cards - RBI

    In its first bi-monthly monetary policy review, Reserve Bank of India (RBI), country’s apex bank has announced a slew of regulatory measures aimed at consolidating banking system in India.

    One of the most notable points of this review is to allow financially sound and well managed (FSWM) scheduled urban cooperative banks to issue credit cards. To qualify, banks falling in this category should be CBS (core banking solutions) enabled and should have a minimum net worth of Rs 100 crore. Co-operative banks are the backbone of the Indian banking system. Their outreach in rookie sectors is commendable.

    One of the other related measure by RBI during the policy review was to allow state co-operative banks (which meet the required criteria) to set up mobile ATMs without prior approval from the apex bank.

    24th April 2015

  • Manage your credit card!

    A credit card is a useful tool, when managed judiciously but a lurking danger if you mismanage it. One of the first things you need to keep in mind, is read the term and conditions when you apply for a credit card. It could be a laborious process but something that has to be dealt with, to protect yourself from any rude surprises that might be in store for you in times like this – Read More

    23rd April 2015

  • DMRC Ties Up With Offer World to Launch Android Based Rewards App

    DMRC commuters can now look forward to alluring rewards by downloading the DMRC - Offer World app on their Android smartphones. To become eligible for credits from various services and products, one has to download the Offer World app from Google Play Store and register. Upon registration, the user can navigate to the “offers” section and download apps from participating merchants which gives those credits points.

    The credits earned are in Indian rupees that can be utilised to recharge DMRC smart cards through the app itself. The minimum amount (credits) required for recharging the Metro smart card is Rs.100. The credit balance will reflect within 48 hours and can be utilised for hassle free commutes across the Metro lines. This user friendly app also displays real time information on credits earned.

    23rd April 2015

  • Retail Loans Expected to Achieve Exponential Growth in 2015

    With the RBI cutting repo rate at the beginning of the year and subsequent relative changes, retail loans especially home loans, have shown an increase in performance with regards to both the public and private sector banks in India. Banks are expected to bring forth attractive offers on retail loans in order to further boost the scope of such loans. Home loans, credit cards, auto loans, etc., are showing encouraging signs of growth compared to the low base rates of last year. It is anticipated that retail loans will continue to make a significant contribution to the total bank credit.

    22nd April 2015

  • Tremendous Growth in Mobile Wallet Market Expected by 2020

    Experts observe that Mobile wallet market is to double in growth by the year 2020. Mobile Wallet is a broader concept than mobile banking since it incorporates various features that is exclusive to it. Mobile prepaid wallet is unique since the customer need not follow the three layers of security for payment as is the case while using a debit/credit card or net banking. These wallets are one click payment options. Mobile Wallets such as Paytm currently has over 10 million users and the company is trying to reach over 50 million wallet downloads by 2015. This in itself projects the scope of mobile wallet market in India.

    30th March 2015


   Credit Card Reviews
Customer Reviews
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  • Very good
    https://cdn1.bankbazaar.com/images/customer_review/default-unknown-person.png
    , hyderabad
    Recommend Recommended by user
    Validated User
    (0)

    I am holding a credit card of CITI Bank. It is really good their reward scheme is very attractive. The offers are quite interesting and I am getting lot of discounts on this card. Making payment is very easy . Its been more than a year since I am holding this card. Yet to redeem my bonus points . I am happy with the limit as well.

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

    I hold a miles card with HDFC which I have upgraded recently from a gold card.I get any many benefits from this particular card in which I get a 5%cash back on smart pay. The credit limit offered was really good which is 1.93lakh and It was a easy process to get this card upgraded.They do-not collect any maintenance fee since its a corporate card.

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

    Though I have registered on line for making payments for my HDFC credit card. I am unable to make the payment as I am unable to access that page. Registration was successful and it was good. This card was offered along with the personal loan I had taken. I have submitted only pan card and normal documents and they took about 10 to 15 days for processing.

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

    Benefits are excess on credit card of HDFC bank and whenever I need can go ahead and convert the purchase in to EMI with the interest of 13%. More than that Jumbo loan facility is available and this is just like personal loan where only for credit card holders apart from the limit. Amazing about Platinum edge credit card and great experience with the bank.

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

    On the cash back credit card I am getting 5% of cash back in utility payments. In other banks we can only redeem the points by getting any products but in Citibank we can redeem it on the outstanding bill. Citibank had charged incorrectly from my credit card and when I raised complaint they reversed the amount on time.

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

    HDFC serving faster to its customer in all product range compared to other competition brands. I am completely happy with HDFC Bank. I prefer HDFC Bank for any kind of loans & credit cards. I rate this bank on top and its realy super and fantastic experience with HDFC.

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

    I have this CITI Bank credit card for last 8months and I have decided to close the credit card because I am not satisfied with the service provided.Its a CITI Bank rewards card in which the rate of interest is high and the annual fee is Rs1000 which is high.Initially they promised to avail a credit limit for 2lakh but later they offered a less amount and I am not satisfied with the same. The customer service provided is really poor because they donâ??t respond properly to customer even If its a visit to the Bank

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

    Unnecessarily HDFC bank was deducting 2500 on my platinum credit card so I closed that credit card. Even after blocking the card they deducted of 2500 and have to visit the branch to resolve that. I like HDFC credit card in one thing as they are giving 5% of cash back. Sales person informed that I would get some restaurant offer but did not got that.

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    mahender took a Credit Card from HDFC BANK Reviewed on
  • Fine
    https://cdn1.bankbazaar.com/images/customer_review/default-unknown-person.png
    , mysore
    Recommend Recommended by user
    Validated User
    (0)

    I am holding a ICICI Coral credit card . The major benefits are I am very much satisfied with the credit limit limit offered, however I have not been offered any cash limit. I normally use this card for shopping and I get cash back and discounts on this card. I generally pay by debit card it takes hardly a minute for the payment to get reflected.

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

    I am holding a credit card of HDFC Bank. Mine is a Visa platinum card. The features and benefits of the card is, the rate of interest is very high however, there is no annual fee on this card. I normally make the payment on time. I have paid off the complete outstanding balance in spite of which they have still charged me for the purchase. I wonder why. I have been holding this card for the past one year and the credit limit offered by them was rs 60000 it is not sufficient for me to make bulk purchase.

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

    I am happy with the service provided by CITI Bank while getting this CITI Bank rewards card.I mostly use this card for shopping purpose and I get cash in reimbursing the points. They offer in the reward scale of 40Rs for 100 points. The customer service provided is really good and the credit limit of the card is 74000.They do waive off the service and annual fee in this particular card.

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    syamkumar took a Credit Card from CITIBANK Reviewed on
  • Gold
    0.5 4.0/5
    Validated User
    (0)

    I started with the card of gold and now HDFC bank upgraded to International gold credit card. Rewards points are good while using the card in merchandise and particularly I would get discounts in shops like Croma. Financial charge is of 3.75% if customer fail to make payment on time. This credit card is acceptable in worldwide. Loan facility is available on this credit card and customer can avail in low rate.

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