Credit Cards

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Annual Fee
Reward type
Credit Card
Annual Fee
American Express Gold Card
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
American Express Payback Credit Card
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
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
Citibank Rewards Card
Annual Fee:
Nil
Reward type:
Shopping and Cashback
Citibank Cashback Card
 
4.5 / 5.0
by 1 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
IndusInd Bank Platinum Credit Card
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
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
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
Annual Fee:
1st year: 2999 + GST@12.36%
2nd year onwards: 2999 + GST@12.36%
Reward type:
Premium
My Choice Credit Card
 
4.0 / 5.0
by 1 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
My Wings Credit Card
Annual Fee:
1st year: 1,200 + ST
2nd year onwards: 500 + ST
Reward type:
Airline
My Zone Credit Card
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
Annual Fee:
Nil (Limited Period Offer)
Reward type:
Lifestyle
Diners Rewardz
Annual Fee:
1,500 + ST
Reward type:
Shopping and Cashback
Superia
Annual Fee:
999 + ST
Reward type:
Premium
Diners Black
Annual Fee:
20,000 + ST
Reward type:
Lifestyle
Platinum Plus
 
3.0 / 5.0
by 1 users
Annual Fee:
299 + ST
Reward type:
Fuel
Visa Signature
Annual Fee:
399 + ST
Reward type:
Premium
Titanium Edge
Annual Fee:
599 + ST
Reward type:
Shopping and Cashback
Diners Premium
Annual Fee:
4,000 + ST
Reward type:
Lifestyle
Regalia
Annual Fee:
5,000 + ST
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
My Wings Credit Card
Annual Fee:
1st year: 1,200 + ST
2nd year onwards: 500 + ST
Reward type:
Airline
American Express Gold Card
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
IndusInd Bank Platinum Aura Credit Card
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
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
Annual Fee:
Nil (Limited Period Offer)
Reward type:
Lifestyle
Diners Black
Annual Fee:
20,000 + ST
Reward type:
Lifestyle
Diners Premium
Annual Fee:
4,000 + ST
Reward type:
Lifestyle
Platinum Plus
 
3.0 / 5.0
by 1 users
Annual Fee:
299 + ST
Reward type:
Fuel
American Express Payback Credit Card
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
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
Citibank Rewards Card
Annual Fee:
Nil
Reward type:
Shopping and Cashback
Citibank Cashback Card
 
4.5 / 5.0
by 1 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
SBI Gold and More 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
My Choice Credit Card
 
4.0 / 5.0
by 1 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
Diners Rewardz
Annual Fee:
1,500 + ST
Reward type:
Shopping and Cashback
Titanium Edge
Annual Fee:
599 + ST
Reward type:
Shopping and Cashback
IndusInd Bank Platinum Credit Card
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
Annual Fee:
1st year: 2999 + GST@12.36%
2nd year onwards: 2999 + GST@12.36%
Reward type:
Premium
Superia
Annual Fee:
999 + ST
Reward type:
Premium
Visa Signature
Annual Fee:
399 + ST
Reward type:
Premium
Regalia
Annual Fee:
5,000 + ST
Reward type:
Premium

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Here are the main highlights of Credit Cards

Credit Card 4.0 / 5.0 by 1399 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.
   Credit Card Reviews
Customer Reviews
Page 1 of 50 1 2 3 4 5
  • (9)

    Awesome service, Immediate response, Quick and smart officers, ATM cash deposit machine, Cust care super, Reasonable charges, Better banking facilities, Internet banking is user frendly, Best mobile banking, Android app is available, Fund transfer can be done through ATM as well, Cash discrepancies at ATMs are resolved quickly

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    took a Credit Card from ICICI BANK Reviewed on
  • (5)

    I am using the citi bank credit card since last 8 years and service provided by them is good. I have taken personal loan and also availed emi facility for outstanding payment clearance. Baed on my payment record they waived late payment charges on few occasions

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    took a Credit Card from CITIBANK Reviewed on
  • Validated User

    I got a tie up with State bank of India from my company where i can use movie tickets for free. Signature credit card doesn't have a facility of fuel surcharges. This bank gives the good offers and its the life time free card. When i tried to redeem the reward points, they give an option of selected items, i feel its quite OK.

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    took a Credit Card from SBI CARDS on BankBazaar.com Reviewed on
  • Validated User
    (4)

    AM having good amount of reward points, but in case of redeeming the reward points, the options of selected items is not much good. Its the Platinum plus credit card with life time free card. I don't get cash back offers which is not good and no fuel surcharges. Down the line, i would say it would be great if they upgrade my card with good benefits. I use this card for paying up my premiums and I utilize this card by swiping it. It could be better if they can give offers in IRCTC, it would be helpful.

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    took a Credit Card from HDFC BANK on BankBazaar.com Reviewed on
  • Validated User
    (5)

    When i updated my email id, it was initially nice but later on went to ICICI, it was updated incorrectly. Even the customer care number is also busy or getting delayed. The mistake is on their side, i got the credit card but i am not using it. If the mail id entered wrongly, i would not get the statements.They will not accept the calls if its some other number or even email, they will not accept. Its the fault from their end, they have to rectify them. Even Bankbazaar team called, i clicked help but there was no response. There would be some other mechanism they must have a privilege of calling the customer and updating the correct information.

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

    Holding a credit card of HSBC bank more than 2 years was very really interesting. I am quite satisfied with the services provided by the bank. All my inquiries are resolved within a maximum of 24 hrs. Rate of interest & fees are quite similar to other banks. Interest rate would be very high if the whole billed amount is not paid on the due date.

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    took a Credit Card from HSBC BANK on BankBazaar.com Reviewed on
  • Validated User

    CITI Bank credit card is good their communication is pretty normal I am getting text alerts and email alerts for transactions and my spends are high I am getting alerts on time and its been about say 8-10 years now there is no fraud its a good journey.

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

    AMEX credit card is very costly and most of the merchants does not accept AMEX credit card does not accept travel cards and for airline travels I get 2 bonus point customer service is ok and I would recommend AMEX credit card to my friends and relatives.

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    took a Credit Card from AMERICAN EXPRESS BANKING CORPORATION on BankBazaar.com Reviewed on
  • Validated User

    My SBI credit card is good, their response is very good its takes a very long time for them to respond their interest rate is less and I am ok with their credit limit and offers and discounts they have provided to me and their bonus points aswell.

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    took a Credit Card from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • this is best credit card for ever in aspects.you will get more reward points. no hidden charges. if you want take credit card,take citi bank credit card. We have cash back facilities citibank card and i get lot of EMI options on many on-line shopping and i would say its good for shopping and on-line purchases when compared with other banks.

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    took a Credit Card from CITIBANK Reviewed on
  • Validated User

    Credit card with HDFC is quite good. There is 1000 of annual fees per year and also based on my transaction, there is a possibility of waive off. Credit limit is not sufficient and it would be better if there is an enhancement. I do get 1+1 movie tickets as a benefit, for filling fuels, i do get reward points. I do get cash back on on line portals.

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

    HDFC Bank credit card i am holding it for the past one year there are providing lot of benefits and offers and little disappointing is that the reward is less when compared with other banks and the customer service is good and the overall service is good.

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    took a Credit Card from HDFC BANK on BankBazaar.com Reviewed on
Customer Reviews
Page 1 of 50 1 2 3 4 5
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