Credit Cards

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Annual Fee
Reward type
Credit Card
Annual Fee
American Express Gold Card
 
4.0 / 5.0
by 5 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
American Express Platinum Reserve Credit Card
 
4.0 / 5.0
by 1 users
Annual Fee:
5,000 + ST
Reward type:
Premium
American Express Payback Credit Card
 
3.5 / 5.0
by 9 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
American Express Platinum Travel Credit Card
 
4.5 / 5.0
by 4 users
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
Citibank Rewards Card
 
4.0 / 5.0
by 81 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 88 users
Annual Fee:
Nil
Reward type:
Fuel
Citibank PremierMiles Card
 
4.5 / 5.0
by 3 users
Annual Fee:
3000 + ST
Reward type:
Airline
Citibank Cashback Card
 
4.5 / 5.0
by 14 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
IndusInd Bank Platinum Credit Card
 
3.5 / 5.0
by 7 users
Annual Fee:
1st year: 7,500 (3 Jet Airways codes as Welcome Gift) or
5,000 (1 code as Welcome Gift) or
3,000 (no Welcome Gift)
Reward type:
Premium
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
SBI Gold and More Card
 
4.0 / 5.0
by 16 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 1 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
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 7 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 23 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
My Wings Credit Card
 
4.0 / 5.0
by 2 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 24 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
 
4.5 / 5.0
by 4 users
Annual Fee:
Joining Fee: 1500
1st year: 1000 (waived on spends achievement of 2.4 lacs)
Reward type:
Lifestyle
JetPrivilege HDFC Bank Platinum
 
4.0 / 5.0
by 7 users
Annual Fee:
1,000 + ST
Reward type:
Airline
Diners Rewardz
 
5.0 / 5.0
by 1 users
Annual Fee:
1,000 + ST
Reward type:
Shopping and Cashback
Superia
 
4.5 / 5.0
by 2 users
Annual Fee:
1,000 + ST
Reward type:
Premium
Diners Black
 
2.5 / 5.0
by 2 users
Annual Fee:
20,000 + ST
Reward type:
Lifestyle
Platinum Plus
 
4.0 / 5.0
by 165 users
Annual Fee:
299 + ST
Reward type:
Fuel
Visa Signature
 
4.5 / 5.0
by 19 users
Annual Fee:
399 + ST
Reward type:
Premium
JetPrivilege HDFC Bank World
 
3.5 / 5.0
by 3 users
Annual Fee:
2,500 + ST
Reward type:
Airline
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 5 users
Annual Fee:
500 + ST
Reward type:
Airline
World MasterCard
 
4.5 / 5.0
by 6 users
Annual Fee:
399 + ST
Reward type:
Premium
Titanium Edge
 
4.0 / 5.0
by 72 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
Diners Premium
 
3.5 / 5.0
by 4 users
Annual Fee:
2,500 + ST
Reward type:
Lifestyle
Regalia
 
5.0 / 5.0
by 2 users
Annual Fee:
2,500 + ST
Reward type:
Premium
Citibank PremierMiles Card
 
4.5 / 5.0
by 3 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
Annual Fee:
1st year: 1499 + GST@12.36%
2nd year onwards: 1499 + GST@12.36%
Reward type:
Airline
My Wings Credit Card
 
4.0 / 5.0
by 2 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 7 users
Annual Fee:
1,000 + ST
Reward type:
Airline
JetPrivilege HDFC Bank World
 
3.5 / 5.0
by 3 users
Annual Fee:
2,500 + ST
Reward type:
Airline
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 5 users
Annual Fee:
500 + ST
Reward type:
Airline
American Express Gold Card
 
4.0 / 5.0
by 5 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 24 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
 
4.5 / 5.0
by 4 users
Annual Fee:
Joining Fee: 1500
1st year: 1000 (waived on spends achievement of 2.4 lacs)
Reward type:
Lifestyle
Diners Black
 
2.5 / 5.0
by 2 users
Annual Fee:
20,000 + ST
Reward type:
Lifestyle
Diners Premium
 
3.5 / 5.0
by 4 users
Annual Fee:
2,500 + ST
Reward type:
Lifestyle
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 88 users
Annual Fee:
Nil
Reward type:
Fuel
Platinum Plus
 
4.0 / 5.0
by 165 users
Annual Fee:
299 + ST
Reward type:
Fuel
American Express Payback Credit Card
 
3.5 / 5.0
by 9 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
American Express Platinum Travel Credit Card
 
4.5 / 5.0
by 4 users
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
Citibank Rewards Card
 
4.0 / 5.0
by 81 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
Citibank Cashback Card
 
4.5 / 5.0
by 14 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
SBI Gold and More Card
 
4.0 / 5.0
by 16 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 23 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
Diners Rewardz
 
5.0 / 5.0
by 1 users
Annual Fee:
1,000 + ST
Reward type:
Shopping and Cashback
Titanium Edge
 
4.0 / 5.0
by 72 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
American Express Platinum Reserve Credit Card
 
4.0 / 5.0
by 1 users
Annual Fee:
5,000 + ST
Reward type:
Premium
IndusInd Bank Platinum Credit Card
 
3.5 / 5.0
by 7 users
Annual Fee:
1st year: 7,500 (3 Jet Airways codes as Welcome Gift) or
5,000 (1 code as Welcome Gift) or
3,000 (no Welcome Gift)
Reward type:
Premium
SBI Signature Card
 
4.0 / 5.0
by 1 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 7 users
Annual Fee:
1st year: 2999 + GST@12.36%
2nd year onwards: 2999 + GST@12.36%
Reward type:
Premium
Superia
 
4.5 / 5.0
by 2 users
Annual Fee:
1,000 + ST
Reward type:
Premium
Visa Signature
 
4.5 / 5.0
by 19 users
Annual Fee:
399 + ST
Reward type:
Premium
World MasterCard
 
4.5 / 5.0
by 6 users
Annual Fee:
399 + ST
Reward type:
Premium
Regalia
 
5.0 / 5.0
by 2 users
Annual Fee:
2,500 + ST
Reward type:
Premium
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 88 users
Annual Fee:
Nil
Reward type:
Fuel
Citibank Rewards Card
 
4.0 / 5.0
by 81 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
Citibank Cashback Card
 
4.5 / 5.0
by 14 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
SBI Gold and More Card
 
4.0 / 5.0
by 16 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 23 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 24 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
 
4.5 / 5.0
by 4 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 5 users
Annual Fee:
500 + ST
Reward type:
Airline
Titanium Edge
 
4.0 / 5.0
by 72 users
Annual Fee:
500 + ST
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 3614 users  
Used this product? Write a review »

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.

News about Credit Card

  • How to close a credit card!

    Satish Kumar, an animation professional from Mumbai has multiple credit cards that he hardly uses. Chased by credit card sales agents with lucrative offers such as no annual fee Satish ended up owning more than four credit cards, but he uses only one outRead more

    09th September 2014

  • The Banking Ombudsman!

    Banks are trusted establishments where you deposit your money for safekeeping. The account holder has the right to withdraw deposited funds and use the bank’s services associated with his account. During this time when the deposits are held with the bank, a customer builds...Read more

    05th September 2014

  • Advantages of a credit card

    If you are diligent with your money, have a habit of keeping a track of your expenses or run into emergencies that calls for the usage of a credit card, then by all means you can prudently tap the advantages this piece of plastic has to offer! Credit cards do qualify as a good alternative method of making payments. Read more

    13th March 2014

  • What to remember when you shop
    for credit cards

    There’s no doubt that credit cards are very convenient to carry and transact with, especially when one is on holiday and it is unsafe to carry a lot of cash or when one is shopping for expensive products.Read more

    30th May 2014

  • Credit – Benefits vs. Cost ?

    Polonius, a character in Shakespeare’s play “Hamlet” advises his son, “Neither a lender nor a borrower be”. With due respect to Polonius and his genius, credit has become a part and parcel of our life. While most of us cannot be lenders, we are bound to be borrowers because of the system we live with.Read more

    25th March 2014

  • Top 10 credit cards of 2014

    When credit cards first made their appearance, the mechanism involved was quite basic with limited benefits, fees and interest rate. With more credit card companies joining the fray, competition now is very intense.Read more

    28th March 2014

  • Credit Cards – What should the
    bank tell you?

    The Banking Codes and Standards Board of India (BCSI) have prescribed self regulatory norms through which credit card issuers have to treat their customers. Next time you apply for a credit card do remember to have these norms in mind and extract the best service from the provider.Read more

    12th July 2014


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

    I applied a platinum credit card with citi bank whereas it still in pending status. Response was quite good. The need to improve on the documentation process . They should be very proper and careful while filling up the form. They need to improve a lot.

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

    I am holding a HDFC credit card since 2012, their customer service is awesome. They provide a very less credit limit of 80000 only, where as other banks are offering me 1,40,000. At present I am holding a Titanium Credit Card of HDFC. Its well organized, I get all my bills on time, its very convenient for me to make the payment, as a result I have never been a defaulter.

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

    ICICI Bank credit card and its Visa Titanium credit card the service was really good from the executives. I get lot of offers benefits and reward points are good. Cash back facility, discounts and EMI options while making a purchase through on-line.

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

    Indusind bank needs to improve on the transparency on their terms and conditions. Because of the promotional offer I selected this titanium credit card. They told me I will get one movie ticket free for every ticket which I am going to buy. I tried 100 times never worked out for me. And they insist to hold me the card for their target . They need to be more customer centric and needs transparency in entire operation. They wont provide EMI conversions may be initiate the same to attract more customers

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

    I am very much satisfied with my platinum credit card with citi bank. They used to send mails for promotional offers at times. Pretty high interest rate and fees which has been charged. Usually I am receiving reward points whenever I am refilling petrol

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    took a Credit Card from CITIBANK on BankBazaar.com Reviewed on
  • Better Service
    https://graph.facebook.com/100001234048874/picture?type=large
    MANJUNATH CHANDRASHEKHAR SAMBANNI, nasik
    Recommend Recommended by user
    Validated User
    (0)

    its good as per time i got calls & getting credit card soon for choosing bank bazaar helps me thanks to bank bazaar customer service is good & friendly thanks to bank bazaaar

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

    THIS IS AWESOMEBANKBAZAAR FOR RELATED OF BANK ISSUE.....................................................................................................................................................................................................................

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

    Quite good promotional offers in citi bank whereas I am not utilizing it for my credit card. I am frequently using this Petro card for refilling . It was quite difficult to get the reward points earlier but now it was pretty easier . I am using the reward points for refilling petrol again

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

    Hassle free bank was citi bank whereas I am having my indian oil petro card. I am refilling my petrol only with the reward points which I am gaining so far. Whenever I am doing bulk purchase they will call for EMI conversion . I am pretty much satisfied with the service

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

    I am utilizing this titanium credit card for my petrol use. Having lower limit in the credit card. I am using the reward points for refilling petrol. However the limit was lower I was very happy to maintain this credit card . No hassles soing very smooth

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    took a Credit Card from AXIS BANK on BankBazaar.com Reviewed on
  • Gold
    5.0/5
    Validated User
    (0)

    I am very much happy about the service provided by hdfc bank . Satisfied service .Whatever the promotional offers are implementing they are sending mails and messages . I am getting frequent reward points in my gold credit card. Whenever I am purchasing I am getting 1% as cash back

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    took a Credit Card from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (1)

    The Gold card with State bank of India is quite ok. Credit limit is quite decent one they had provided. There is annual fees which I pay annually. I do get reward points on every on line purchase, shopping. However, there are extra charges which is higher.

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    took a Credit Card from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Validated User
    (1)

    State Bank of India credit card and it's a Gold and More credit card. The best feature is that the balance transfer facility is available on this card and there are lot more other benefits like EMI options and petrol sub charges has been waived off.

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

    ICICI Coral Visa credit card is more or less the same in terms of offers, services. Only one thing which is limited is the credit limit which is too low. Annually, 199 is the annual fees. I do get some WAH points, cash back however there is no facility of converting reward points to cash.

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

    ICICI Bank credit card and it's a Coral Visa credit card i got lot of benefits like movie tickets offer buy one ticket and get one more ticket as complimentary. I get EMI options and discounts when i make a purchase through on-line and i have more amazing offers on this card.

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

    I would say HDFC credit card is best in credit limit wise, where they had provided a good credit limit. Even this is a life time credit card with quite good offers. Platinum Edge credit card of HDFC provides few cash back, reward points where I can convert it to money back facility.

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    took a Credit Card from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (2)

    Excellent customer service from hdfc bank . I am very much interested by taking promotional offers in gold credit card. They dont have the options .They are having the offers only for debit card. They will provide very less reward points for bulk purchase

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    took a Credit Card from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (1)

    I have been holding a Coral visa credit card of ICICI bank since June'2014 to present. There was no joining fee and the annual fee can also be waived off based on the transaction amount. Customer service is excellent and they answer all my questions properly. It is very easy to get connected with customer care executives. I would suggest the bank to inform the customers about the statement & due date of the credit card while issuing the card.

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    took a Credit Card from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (1)

    ICICI delivers excellent customer service where I am using my Platinum credit card for 6 years only during emergency time. They offered me 10 % - 15 % promotional offers for dining which actually not required for all times. Till not I havent faced any hassles with interest rates. Service charges has been charged for petrol bunks where they used to reverse the amount at earlier times within 3 days nowadays not reversing . They are having too lengthy process to access toll free may be they can work on it

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

    HDFC Titanium credit card i would suggest customer service need to provide clear information, they need to improve on response time. Best part is credit limit is fine and this card is accepted everywhere. Charges are very high they need reduce, offers are not available since i am using the card from 2 years.

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    took a Credit Card from HDFC BANK on BankBazaar.com Reviewed on
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