Credit Cards

Filter
 
     Credit Card
Annual Fee
Reward type
Filter
Credit Card
Annual Fee
HDFC Bank Regalia Credit Card
 
4.0 / 5.0
by 24 users
Annual Fee:
Annual Fee: Nil
Renewal Fee: Nil
Reward type:
Lifestyle
American Express® Gold Card
 
4.0 / 5.0
by 35 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
Kotak PVR Gold Credit Card
 
4.0 / 5.0
by 1 users
Annual Fee:
1st year: 499
2nd year onwards: 499
Reward type:
Lifestyle
Jet Airways IndusInd Bank Voyage Visa Credit Card
 
5.0 / 5.0
by 1 users
Annual Fee:
1st year: 4,000
2nd year onwards: 2,000
Reward type:
Airline
IndusInd Bank Platinum Credit Card
 
3.5 / 5.0
by 52 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
The American Express® Platinum Travel Credit Card
 
4.0 / 5.0
by 17 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 35 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
HDFC Bank Diners Premium Credit Card
 
3.5 / 5.0
by 13 users
Annual Fee:
Annual Fee: Nil
Renewal Fee: Nil
Reward type:
Airline
SBI Platinum Card
 
3.5 / 5.0
by 131 users
Annual Fee:
1st year: 2999 + GST@14%
2nd year onwards: 2999 + GST@14%
Reward type:
Premium
IndusInd Bank Chelsea FC Credit Card
 
4.5 / 5.0
by 3 users
Annual Fee:
1099
Reward type:
Lifestyle
SBI Simply Save Card
 
4.0 / 5.0
by 20 users
Annual Fee:
1st year: 499 + GST@14%
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
American Express® Platinum Reserve Credit Card
 
3.5 / 5.0
by 8 users
Annual Fee:
5,000 + ST
Reward type:
Premium
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 407 users
Annual Fee:
1000
Reward type:
Fuel
Citibank Rewards Card
 
4.0 / 5.0
by 438 users
Annual Fee:
1000 + ST
Reward type:
Shopping and Cashback
Air India SBI Signature Card
 
4.0 / 5.0
by 3 users
Annual Fee:
1st year: 4999 + GST@14%
2nd year onwards: 4999 + GST@14%
Reward type:
Airline
Jet Airways ICICI Bank Rubyx VISA Credit Card
 
0.0 / 5.0
by 0 users
Annual Fee:
1st year: 2500
2nd year onwards: 2500 + Service Tax
Reward type:
Airline
The NEW American Express®MakeMyTrip Credit Card
 
3.5 / 5.0
by 9 users
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST
Reward type:
Shopping and Cashback
HDFC Bank MoneyBack Credit Card
 
4.0 / 5.0
by 117 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
JetPrivilege HDFC Bank World Credit Card
 
3.5 / 5.0
by 46 users
Annual Fee:
Annual Fee: 2,500
Renewal Fee: 2,500
Reward type:
Airline
Air India SBI Platinum Card
 
4.0 / 5.0
by 9 users
Annual Fee:
1st year: 1499 + GST@14%
2nd year onwards: 1499 + GST@14%
Reward type:
Airline
Citibank PremierMiles Card
 
4.0 / 5.0
by 23 users
Annual Fee:
3000 + ST
Reward type:
Airline
Standard Chartered Manhattan Platinum Credit Card
 
4.0 / 5.0
by 34 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 999
Reward type:
Shopping & Cashback
Jet Airways American Express®Platinum Credit Card
 
5.0 / 5.0
by 2 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
ICICI Bank Coral VISA Credit Card
 
3.5 / 5.0
by 190 users
Annual Fee:
1st year: 1000 500 + ST
2nd year onwards: 500 + ST (waived if prev. year spend over 1,25,000)
Reward type:
Lifestyle
HDFC Bank All Miles Credit Card
 
4.0 / 5.0
by 26 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Airline
ICICI Bank HPCL Coral VISA Credit Card
 
3.5 / 5.0
by 84 users
Annual Fee:
1st year: 199 + ST NIL (Fee of 199 will be levied if spend < 5,000 within 60 days)
2nd year onwards:199 + ST (waived if prev. year spend > 50,000)
Reward type:
Fuel
HSBC Visa Platinum Card
 
4.0 / 5.0
by 27 users
Annual Fee:
Joining Fee: Nil
1st year Annual Fee:Nil
2nd year Annual Fee:Nil
Reward type:
Shopping and Cashback
HDFC Bank Diners Rewardz Credit Card
 
3.0 / 5.0
by 20 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
ICICI Bank Platinum Chip VISA Credit Card
 
3.5 / 5.0
by 263 users
Annual Fee:
1st year: Nil
2nd year onwards: 99 + ST (waived if prev. year spend over 50,000)
Reward type:
Shopping and Cashback
SBI Signature Card
 
3.5 / 5.0
by 21 users
Annual Fee:
1st year: 4999 + GST@14%
2nd year onwards: 4999 + GST@14%
Reward type:
Premium
Jet Airways ICICI Bank Coral VISA Credit Card
 
3.5 / 5.0
by 9 users
Annual Fee:
1st year: 1250 500
2nd year onwards: 1250 + Service Tax
Reward type:
Airline
Jet Airways ICICI Bank Sapphiro VISA Credit Card
Annual Fee:
1st year: 5000 2500
2nd year onwards: 5000 + Service Tax
Reward type:
Airline
ICICI Bank Rubyx Credit Cards
 
4.0 / 5.0
by 6 users
Annual Fee:
1st year: 3,000 + ST
2nd year onwards: 2,000 + ST (waived if spend ≥ 2,50,000 in prev. year)
Reward type:
Premium
ICICI Bank Sapphiro Credit Cards
Annual Fee:
1st year: 6,000 + ST
2nd year onwards: 3500 + ST (waived if spend ≥ 5,00,000 in prev. year)
Reward type:
Premium
Standard Chartered Visa Infinite Credit Card
 
4.0 / 5.0
by 1 users
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 13 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 31 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
 
3.5 / 5.0
by 28 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Renewal Fee 2nd year onwards: 750
Reward type:
Fuel
Standard Chartered Yatra Platinum Credit Card
 
2.5 / 5.0
by 5 users
Annual Fee:
Joining Fee: 499
Annual Fee 1st year: Nil
Annual Fee 2nd year: 499
Reward type:
Airline
DCB Payless Credit Card
Annual Fee:
1st year: 350 + ST
2nd year onwards: 350 + ST
Reward type:
Premium
Kotak Delight Credit Card
Annual Fee:
1st year: 1999
2nd year onwards: 250
Reward type:
Shopping and Cashback
Kotak PVR Platimum Credit Card
 
4.0 / 5.0
by 4 users
Annual Fee:
1st year: 999
2nd year onwards: 999
Reward type:
Lifestyle
Jet Airways IndusInd Bank Voyage Visa Credit Card
 
5.0 / 5.0
by 1 users
Annual Fee:
1st year: 4,000
2nd year onwards: 2,000
Reward type:
Airline
HDFC Bank Diners Premium Credit Card
 
3.5 / 5.0
by 13 users
Annual Fee:
Annual Fee: Nil
Renewal Fee: Nil
Reward type:
Airline
Air India SBI Signature Card
 
4.0 / 5.0
by 3 users
Annual Fee:
1st year: 4999 + GST@14%
2nd year onwards: 4999 + GST@14%
Reward type:
Airline
Jet Airways ICICI Bank Rubyx VISA Credit Card
 
0.0 / 5.0
by 0 users
Annual Fee:
1st year: 2500
2nd year onwards: 2500 + Service Tax
Reward type:
Airline
JetPrivilege HDFC Bank World Credit Card
 
3.5 / 5.0
by 46 users
Annual Fee:
Annual Fee: 2,500
Renewal Fee: 2,500
Reward type:
Airline
Air India SBI Platinum Card
 
4.0 / 5.0
by 9 users
Annual Fee:
1st year: 1499 + GST@14%
2nd year onwards: 1499 + GST@14%
Reward type:
Airline
Citibank PremierMiles Card
 
4.0 / 5.0
by 23 users
Annual Fee:
3000 + ST
Reward type:
Airline
Jet Airways American Express®Platinum Credit Card
 
5.0 / 5.0
by 2 users
Annual Fee:
5,000 + ST
Reward type:
Airline
HDFC Bank All Miles Credit Card
 
4.0 / 5.0
by 26 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Airline
Jet Airways ICICI Bank Coral VISA Credit Card
 
3.5 / 5.0
by 9 users
Annual Fee:
1st year: 1250 500
2nd year onwards: 1250 + Service Tax
Reward type:
Airline
Jet Airways ICICI Bank Sapphiro VISA Credit Card
Annual Fee:
1st year: 5000 2500
2nd year onwards: 5000 + Service Tax
Reward type:
Airline
HDFC Bank Regalia Credit Card
 
4.0 / 5.0
by 24 users
Annual Fee:
Annual Fee: Nil
Renewal Fee: Nil
Reward type:
Lifestyle
American Express® Gold Card
 
4.0 / 5.0
by 35 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
Kotak PVR Gold Credit Card
 
4.0 / 5.0
by 1 users
Annual Fee:
1st year: 499
2nd year onwards: 499
Reward type:
Lifestyle
IndusInd Bank Chelsea FC Credit Card
 
4.5 / 5.0
by 3 users
Annual Fee:
1099
Reward type:
Lifestyle
ICICI Bank Coral VISA Credit Card
 
3.5 / 5.0
by 190 users
Annual Fee:
1st year: 1000 500 + ST
2nd year onwards: 500 + ST (waived if prev. year spend over 1,25,000)
Reward type:
Lifestyle
Kotak PVR Platimum Credit Card
 
4.0 / 5.0
by 4 users
Annual Fee:
1st year: 999
2nd year onwards: 999
Reward type:
Lifestyle
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 407 users
Annual Fee:
1000
Reward type:
Fuel
ICICI Bank HPCL Coral VISA Credit Card
 
3.5 / 5.0
by 84 users
Annual Fee:
1st year: 199 + ST NIL (Fee of 199 will be levied if spend < 5,000 within 60 days)
2nd year onwards:199 + ST (waived if prev. year spend > 50,000)
Reward type:
Fuel
The American Express® Platinum Travel Credit Card
 
4.0 / 5.0
by 17 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 35 users
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST (waived if spend over 1,50,000)
Reward type:
Shopping and Cashback
SBI Simply Save Card
 
4.0 / 5.0
by 20 users
Annual Fee:
1st year: 499 + GST@14%
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 Rewards Card
 
4.0 / 5.0
by 438 users
Annual Fee:
1000 + ST
Reward type:
Shopping and Cashback
The NEW American Express®MakeMyTrip Credit Card
 
3.5 / 5.0
by 9 users
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST
Reward type:
Shopping and Cashback
HDFC Bank MoneyBack Credit Card
 
4.0 / 5.0
by 117 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
HSBC Visa Platinum Card
 
4.0 / 5.0
by 27 users
Annual Fee:
Joining Fee: Nil
1st year Annual Fee:Nil
2nd year Annual Fee:Nil
Reward type:
Shopping and Cashback
HDFC Bank Diners Rewardz Credit Card
 
3.0 / 5.0
by 20 users
Annual Fee:
Life Time Free
(If only applied through website)
Reward type:
Shopping and Cashback
ICICI Bank Platinum Chip VISA Credit Card
 
3.5 / 5.0
by 263 users
Annual Fee:
1st year: Nil
2nd year onwards: 99 + ST (waived if prev. year spend over 50,000)
Reward type:
Shopping and Cashback
Kotak Delight Credit Card
Annual Fee:
1st year: 1999
2nd year onwards: 250
Reward type:
Shopping and Cashback
HDFC Bank Regalia Credit Card
 
4.0 / 5.0
by 24 users
Annual Fee:
Annual Fee: Nil
Renewal Fee: Nil
Reward type:
Lifestyle
IndusInd Bank Platinum Credit Card
 
3.5 / 5.0
by 52 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
SBI Platinum Card
 
3.5 / 5.0
by 131 users
Annual Fee:
1st year: 2999 + GST@14%
2nd year onwards: 2999 + GST@14%
Reward type:
Premium
American Express® Platinum Reserve Credit Card
 
3.5 / 5.0
by 8 users
Annual Fee:
5,000 + ST
Reward type:
Premium
SBI Signature Card
 
3.5 / 5.0
by 21 users
Annual Fee:
1st year: 4999 + GST@14%
2nd year onwards: 4999 + GST@14%
Reward type:
Premium
ICICI Bank Rubyx Credit Cards
 
4.0 / 5.0
by 6 users
Annual Fee:
1st year: 3,000 + ST
2nd year onwards: 2,000 + ST (waived if spend ≥ 2,50,000 in prev. year)
Reward type:
Premium
ICICI Bank Sapphiro Credit Cards
Annual Fee:
1st year: 6,000 + ST
2nd year onwards: 3500 + ST (waived if spend ≥ 5,00,000 in prev. year)
Reward type:
Premium
DCB Payless Credit Card
Annual Fee:
1st year: 350 + ST
2nd year onwards: 350 + ST
Reward type:
Premium
SBI Simply Save Card
 
4.0 / 5.0
by 20 users
Annual Fee:
1st year: 499 + GST@14%
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
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 407 users
Annual Fee:
1000
Reward type:
Fuel
Citibank Rewards Card
 
4.0 / 5.0
by 438 users
Annual Fee:
1000 + ST
Reward type:
Shopping and Cashback
HDFC Bank MoneyBack Credit Card
 
4.0 / 5.0
by 117 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 12772 users  
Used this product? Write a review »

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.

Top Banks providing Credit Cards in India:

  1. ICICI Credit Cards:

    When it comes to customer-centric and popular credit cards in India, few can compete with the offerings from ICICI Bank. Segregated into such attractive titles such as The Gemstone Collection, Airline Credit Cards and Fuel Credit Cards, these resources help ICICI’s patrons enjoy the high-life, fine dining, leisure and family activities, unlimited shopping and earn air-miles and reward points in return. Backed by world-class customer support, these cards are a universe in themselves, offering their owners convenience, simplicity, affordability and a refined credit card experience. The bank's commitment to online application and instant card approval allows first-time card owners to enjoy the ICICI Credit Card advantage (without breaking a sweat) and the robust security measures put in place ensure that safety is at the centre of everything. ICICI offers a thoughtful collection of credit cards that take into consideration the base requirements, elevated luxuries and the need for immediate financial support as required by its owner from time to time. And in each instance, the card performs admirably. Test it for yourself, now!

  2. SBI Credit Cards:

    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.

  3. Citibank Credit Cards:

    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.

  4. 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.

  5. American Express Credit Cards:

    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.

  6. IndusInd Bank Credit Cards:

    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.

  7. 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!

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.

Credit Card Flash Sale: App Only - 9th to 15th August:

With the tough times we live in, a little extra always brings a smile on any face! Bankbazaar, along with Amazon, India’s largest e-commerce portal, is here to spread some h’app’iness around with its first ever *Flash Sale, on credit cards!

Excited to know more? Read on!

Apply for a credit card via our mobile app and you are entitled to receive an e-gift voucher worth Rs 1,500 from Amazon. Time to transform that wish list to real happiness by shopping for what your heart desires, absolutely free!

To get your free Amazon gift voucher, all you need to do is apply for your preferred credit card via the Bankbazaar app (Android / iOS), before 15th August, 2015. Once your application is successfully submitted and approved, you shall receive your free Amazon e-gift voucher via email, along with an SMS intimating you about the same.

Participating Banks:
  • ICICI Bank
  • Citibank
  • American Express
  • HSBC
  • IndusInd Bank

*Terms & conditions apply

News about Credit Card

  • Railways to do away with ID card while booking Tatkal Tickets

    The Ministry of Railways has decided to alter some rules regarding the purchase of Tatkal tickets including removal of the requirement of a copy ID while booking a ticket at computerised reservation centre or through the internet. Instead, under the proposed changes, one of the passengers has to show a prescribed identity proof during the journey failing which all the passengers booked under that ticket will be booked and charged accordingly. The prescribed identity proof can be a voter’s ID, passport, PAN card, driving licence, student ID card, passbook of any nationalized bank with photograph, UID Aadhaar and also credit cards with laminated photograph, issued by any authorized bank. Also, photocopy of ID card having serial number issued by State or central government and photo ID cards having serial number issued by Public Sector Undertaking of Central/State government, Panchayat, District and Municipal administrations will be accepted.

    IRCTC just offered you another reason to own a credit card. Check out BankBazaar for amazing deals on credit cards, compare various credit cards and also apply & track the application online.

    19th August 2015

  • RBI grants three days grace period for payments on credit cards

    On July 16th 2015, the RBI changed the norms ruling credit cards. For customers who fail to make the minimum payment by the due date, banks will levy late payment fees or report them to credit information companies only if the payment is missed for three consecutive days.

    Further, banks can treat a credit card account as a non-performing asset if the minimum amount due is not paid within 90 days from the due date. The “past due date” and any late payment fees will be computed according to the date mentioned in the credit card statement.

    17th August 2015

  • Uber & MobiKwik enters into an agreement for payments via credit & debit cards

    Uber, a US-based cab-booking app, has partnered with MobiKwik, a mobile payment service provider, for driving all credit and debit card cash flows on their portal. As per the contract, Uber can utilize MobiKwik for enhancing user’s experience on the new platform. Uber customers too now have an easy payment gateway available.

    Previously, Uber got into regulatory troubles with the RBI as they had missed including the mandatory two-step verification process and was requested to meet the regulatory terms. Subsequently, Uber made the necessary changes and ventured into a partnership with Paytm, a national cybernetic wallet provider. Android users have already started using this facility, while iOS users will get the feature through an update at the earliest.

    13th August 2015

  • Online payment facility launched by DGFT

    Directorate General of Foreign Trade (DGFT) launched the facility of online application and payment facility for ease of doing business and to facilitate trade. This can be done by using credit /debit cards and electronic fund transfer. 53 banks have been already listed, whose cards can be used for such payments.

    The online submission of the applications for Importer and Exporter code issuance in e-IEC or digital format, meant for exporters, entrepreneurs and importers, has been operationalised by DGFT. This process will allow traders to enjoy the benefits under the Foreign Trade Policy and will also make things easy and hassle-free. To provide payment gateway service to DGFT’s online portal, it has signed a Memorandum of Understand (MOU) with the Central Bank of India.

    6th August 2015

  • JCB International Ties Up With NCPI for Issuing RuPay Cards in India

    JCB International (JCBI) from Japan has tied up with the National Payments Council of India (NPCI) for issuing RuPay cards in the country. Similar to Mastercard and Visa, RuPay is a card-based payment network that is powered by NPCI. The partnership between JCBI and NPCI will enable the customers of JCBI to use their credit card and debit card in ATMs and swipe machines across the country. It will also enable the card issuers in the country to issue cards that will enjoy global acceptability without relying on MasterCard or Visa networks.

    In the initial stages of this agreement, around 2 lakh ATMs and 10 lakh swipe machines will be accessible to JCBI cardholders. Many companies from Japan are entering the Indian market through tie ups with businesses across different industries in the country.

    31st July 2015

  • Digital Health Card launched By SGRH

    Sir Ganga Ram Hospital (SGRH) launched a digital health card on 9 July, 2015 to assist the 'Digital India' campaign initiated by Prime Minister Narendra Modi. It is a multi-purpose card that will make it easier for patients to access health care services. The card will make health care information of the patient’s portable and accessible at all times. It resembles a credit card and is powered by a micro-chip that operates on Smart Chip Technology.

    When patients visit Sir Ganga Ram Hospital, they can insert their SGRH health card in a card reader located at the hospital and access their patient information. They will no longer need to carry prescriptions, reports and other documents related to their medical history.

    Apart from providing access to medical history, the card will also act as an e-wallet and it can be used by the patients for storing money and making payments for the services offered by the hospital.

    29th July 2015

  • India Post Launches Point of Sale (POS) Services in AP Circle

    In a one of-its-kind initiative, India Post, Andhra Pradesh Circle (covering Andhra Pradesh & Telangana) has launched POS services in this region in collaboration with State Bank of India (SBI). A massive range of over 26 postal services will be available in 108 post offices on pilot basis.

    By the end of July, 2015, the POS or Chota ATM services will be extended in over 2476 Post Offices in the AP circle. Major services such as Registered & Speed post, Postal LIC, Meeseva, Sunayasam, Passenger reservations, TTD Darshan ticket booking will be available under this scheme. The machines will also play the role of an ATM machine, where people can withdraw cash from any bank credit and debit cards. A host of other technology driven services are in the pipeline which will see the light of the day in coming months.

    27th July 2015


Customer Reviews

  • Page 1 of 50 1 2 3 4 5
    • Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      I hold the SBI bank fold credit card for 7 months. Depends upon the usage of my card of Rs. 75,000 they have the waived off the annual fee. Reward points are given for all the purchases like 2000 point= 500 rupees.Emi conversation is available with the good interest rate.
      Was this review helpful? 0
      , ajmer
      Reviewed on Aug 27, 2015
    • Credit Card
      "It is good..."
      0.5 4.0/5 "Great!"
      Hardly I use my HDFC bank Platinum plus credit card so never experienced with the promotional offers. As there is nothing like annual charge and it is life time free. Alerts are timely before and after the transaction. EMI options are there on this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 27, 2015
    • Credit Card
      "Good card From Good bank "
      0.5 5.0/5 "Blown Away!"
      I am using a ICICI bank platinum credit card for the last 7 years. The card will in Black color, I no need to pay any annual fees on the card. I got a very good relationship with the bank by taken this card from them. All my company transactions will be done only by ICICI bank.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 27, 2015
    • Credit Card
      "Hidden charges applied"
      0.5 2.5/5 "Just OK"
      I rarely use this credit card with ICICI Bank since the charges applied in this card is really high.There is no customer service provided and they are poor in response.I do have a Platinum visa card with ICICI Bank and the credit limit offered was really good which is around 75000Rs.I wont recommend about this card to others for their high charges.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 27, 2015
    • Credit Card
      "Not bad.."
      0.5 3.5/5 "Pretty good"
      I am holding PLATINUM EDGE Credit card with HDFC for the past 1year and I am not getting any good offers from them but I am getting good customer support from them because my annual fee rs750 and I raised the request for waiver they will accept that and I need not to pay annual fee. If I spend 200rs for fuel they charged rs 12 to 14 its normal and over all its good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 27, 2015
    • Credit Card
      "transparent service "
      0.5 4.0/5 "Great!"
      I am really happy with the service provided by CITI Bank based on the credit card service.I have been with them for 15years because I donâ??t have any issue with the service provided.They donâ??t apply any hidden charges in the card.They provide transparent service to the customer.They donâ??t charge if the payment gets delayed as well.I do have a Indian Oil platinum card with CITI Bank.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 27, 2015
    • Credit Card
      "Best card "
      0.5 5.0/5 "Blown Away!"
      Among all my cards SCB card is the best one which I preferred for ever. They have given me a Manhattan Platinum credit card under a offer scheme. I never checked about the benefits on the card but in general I will use that for all purchases. They have collected totally 10 documents from me which is quite high.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 27, 2015
    • Credit Card
      "Very helpful card"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the HDFC bank and the name of the card is Regalia card which is very helpful for me. Offers are huge with them like the cash backs and the priority with the air tickets and the services are good. I am holding this for more than 1.5 years of time.
      Was this review helpful? 0
      , guwahati
      Reviewed on Aug 27, 2015
    • Credit Card
      "Simple and good "
      0.5 4.0/5 "Great!"
      I am using a CITI bank credit card for almost 15 years. It is a platinum card with the credit limit of 1.5 lakhs. I never checked about the annual fees on the card. I am very much happy with their services. They have a very good customer service team.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 27, 2015
    • Credit Card
      "Need More Offers..."
      0.5 4.0/5 "Great!"
      I get many cash back offers from state bank of India for my gold card. They are also giving reward points for my purchases. Customer service is good. I have an option to convert my purchases to EMI. SMS alerts are sent on time. It is a beneficial card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 27, 2015
    • Bank Bazaar Customer Support
      "easy step for online apply for various cards"
      0.5 3.5/5 "Pretty good"
      awsome.....:) this is a very simple process of applying online credit cards of various bank. easy method for everyone who can searching for a crediy cards please apply through bank bazar.com i would like to thanking you....:) regards ritesh kumar
      Was this review helpful? 0
      , noida
      Reviewed on Aug 27, 2015
    • Bank Bazaar Customer Support
      "very good good"
      0.5 4.0/5 "Great!"
      While I was searching for car details, I got to know bankbazaar through that. The website is very good and really addictive, it grabs my attention towards the site. The website is providing lot of informations about financial services.so i think this is good service
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 27, 2015
    loading
    Page 1 of 50 1 2 3 4 5
    Thank you for the feedback.
    Make a suggestion or report a bug
    • Like us? Spread the word
    • Broadcast your feedback via Facebook Twitter
    • or Cancel
    • View our privacy policy

    Contact Us on Mail
    Facebook
    reTH65gcmBgCJ7k - pingdom check string.
    This Page is BLOCKED as it is using Iframes.