Credit Cards

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     Credit Card
Annual Fee
Reward type
Credit Card
Annual Fee
Citibank Rewards Card
 
4.0 / 5.0
by 180 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 180 users
Annual Fee:
Nil
Reward type:
Fuel
Citibank PremierMiles Card
 
3.5 / 5.0
by 10 users
Annual Fee:
3000 + ST
Reward type:
Airline
Citibank Cashback Card
 
4.0 / 5.0
by 38 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
American Express Gold Card
 
4.0 / 5.0
by 14 users
Annual Fee:
1st year: 1,000 + ST
2nd year onwards: 4,500 + ST
Reward type:
Lifestyle
The NEW American Express MakeMyTrip Credit Card
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST
Reward type:
Shopping and Cashback
American Express Platinum Reserve Credit Card
 
3.5 / 5.0
by 3 users
Annual Fee:
5,000 + ST
Reward type:
Premium
American Express Platinum Travel Credit Card
 
4.0 / 5.0
by 10 users
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
American Express Payback Credit Card
 
3.5 / 5.0
by 17 users
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST (waived if spend over 1,50,000)
Reward type:
Shopping and Cashback
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
IndusInd Bank Platinum Credit Card
 
3.5 / 5.0
by 18 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
SBI Gold and More Card
 
3.5 / 5.0
by 41 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 3 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
 
5.0 / 5.0
by 1 users
Annual Fee:
1st year: 1499 + GST@12.36%
2nd year onwards: 1499 + GST@12.36%
Reward type:
Airline
SBI Platinum Card
 
3.5 / 5.0
by 24 users
Annual Fee:
1st year: 2999 + GST@12.36%
2nd year onwards: 2999 + GST@12.36%
Reward type:
Premium
My Choice Credit Card
 
3.5 / 5.0
by 43 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
My Wings Credit Card
 
3.0 / 5.0
by 4 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 52 users
Annual Fee:
1st year: 500 + ST (waived if spend over 5,000 in 45 days)
2nd year onwards: 500 + ST
Reward type:
Lifestyle
Signature Credit Card
 
4.0 / 5.0
by 7 users
Annual Fee:
Joining Fee: 1500
1st year: 1000 (waived on spends achievement of 2.4 lacs)
Reward type:
Lifestyle
All Miles
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Premium
JetPrivilege HDFC Bank Platinum
 
4.0 / 5.0
by 22 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
Diners Rewardz
 
3.5 / 5.0
by 7 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Shopping and Cashback
JetPrivilege HDFC Bank World
 
3.5 / 5.0
by 19 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 10 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
Platinum Edge
 
4.0 / 5.0
by 175 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Shopping and Cashback
Diners Premium
 
3.5 / 5.0
by 5 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Lifestyle
Regalia
 
3.5 / 5.0
by 5 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Premium
Citibank PremierMiles Card
 
3.5 / 5.0
by 10 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
 
5.0 / 5.0
by 1 users
Annual Fee:
1st year: 1499 + GST@12.36%
2nd year onwards: 1499 + GST@12.36%
Reward type:
Airline
My Wings Credit Card
 
3.0 / 5.0
by 4 users
Annual Fee:
1st year: 1,200 + ST
2nd year onwards: 500 + ST
Reward type:
Airline
All Miles
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Premium
JetPrivilege HDFC Bank Platinum
 
4.0 / 5.0
by 22 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
JetPrivilege HDFC Bank World
 
3.5 / 5.0
by 19 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 10 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
American Express Gold Card
 
4.0 / 5.0
by 14 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 52 users
Annual Fee:
1st year: 500 + ST (waived if spend over 5,000 in 45 days)
2nd year onwards: 500 + ST
Reward type:
Lifestyle
Signature Credit Card
 
4.0 / 5.0
by 7 users
Annual Fee:
Joining Fee: 1500
1st year: 1000 (waived on spends achievement of 2.4 lacs)
Reward type:
Lifestyle
Diners Premium
 
3.5 / 5.0
by 5 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Lifestyle
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 180 users
Annual Fee:
Nil
Reward type:
Fuel
Citibank Rewards Card
 
4.0 / 5.0
by 180 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
Citibank Cashback Card
 
4.0 / 5.0
by 38 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
The NEW American Express MakeMyTrip Credit Card
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST
Reward type:
Shopping and Cashback
American Express Platinum Travel Credit Card
 
4.0 / 5.0
by 10 users
Annual Fee:
1st year: 3,500 + ST
2nd year onwards: 5,000 + ST
Reward type:
Shopping and Cashback
American Express Payback Credit Card
 
3.5 / 5.0
by 17 users
Annual Fee:
1st year: 750 + ST
2nd year onwards: 1,500 + ST (waived if spend over 1,50,000)
Reward type:
Shopping and Cashback
SBI Gold and More Card
 
3.5 / 5.0
by 41 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 43 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
Diners Rewardz
 
3.5 / 5.0
by 7 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Shopping and Cashback
Platinum Edge
 
4.0 / 5.0
by 175 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Shopping and Cashback
American Express Platinum Reserve Credit Card
 
3.5 / 5.0
by 3 users
Annual Fee:
5,000 + ST
Reward type:
Premium
IndusInd Bank Platinum Credit Card
 
3.5 / 5.0
by 18 users
Annual Fee:
1st year: 3,000
Reward type:
Premium
SBI Signature Card
 
4.0 / 5.0
by 3 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 24 users
Annual Fee:
1st year: 2999 + GST@12.36%
2nd year onwards: 2999 + GST@12.36%
Reward type:
Premium
Regalia
 
3.5 / 5.0
by 5 users
Annual Fee:
LIFE TIME FREE
(If only applied through website)
Reward type:
Premium
Citibank Rewards Card
 
4.0 / 5.0
by 180 users
Annual Fee:
Nil
Reward type:
Shopping and Cashback
IndianOil Citibank Platinum Card
 
4.0 / 5.0
by 180 users
Annual Fee:
Nil
Reward type:
Fuel
Citibank Cashback Card
 
4.0 / 5.0
by 38 users
Annual Fee:
500 + ST
Reward type:
Shopping and Cashback
SBI Gold and More Card
 
3.5 / 5.0
by 41 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 Zone Credit Card
 
4.0 / 5.0
by 52 users
Annual Fee:
1st year: 500 + ST (waived if spend over 5,000 in 45 days)
2nd year onwards: 500 + ST
Reward type:
Lifestyle
My Choice Credit Card
 
3.5 / 5.0
by 43 users
Annual Fee:
1st year: 250 + ST
2nd year onwards: 250 + ST
Reward type:
Shopping and Cashback
Signature Credit Card
 
4.0 / 5.0
by 7 users
Annual Fee:
Joining Fee: 1500
1st year: 1000 (waived on spends achievement of 2.4 lacs)
Reward type:
Lifestyle
JetPrivilege HDFC Bank Titanium
 
4.0 / 5.0
by 10 users
Annual Fee:
FIRST YEAR FREE
(If only applied through website)

2nd year onwards: Annual Fee : 500 +ST
Reward type:
Airline
Platinum Edge
 
4.0 / 5.0
by 175 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 6648 users  
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Use of Credit Cards

Today credit cards have found massive usage due to the convenience they offer. Unlike the old days, you do not have to carry cash all the time. Whenever you go out for shopping, all you need to do is take your credit card with you, shop whatever you want, swipe your credit card at merchant’s machine and walk out with your purchase. Simple, isn't it? In addition to the simplicity, Card issuers offer many type of benefits like cash back, reward points, interest free credit and discount offers on purchases made at select stores. All this makes it attractive to use a credit card in lieu of cash for your purchases. If you are wondering, "What happens after I swipe my card at merchant’s machine?", then read on to know more.

What happens after I swipe my Credit card at merchant’s POS machine?

When you hand over your credit card to the cashier to pay for your purchases he takes it and swipes it in the merchant's point of sale (POS) system. This system is connected to the merchant's bank via a communication link. This POS system helps in verifying your data by using an electronic verification system. The details verified include the validity of your card and the availability of sufficient balance on your credit card to pay for the purchases.

Once your details are transmitted to the merchant's bank, they are sent to your bank which then authorizes the payment if all the details are in order. This authorization is then sent to the merchant's bank, which then blocks the amount from your credit limit so as to reimburse it to the merchant later on. The authorization generates an approval code and is transmitted to the merchant. This code has to be keyed in by the cashier, after which two copies of charge slip are generated. This charge slip is your agreement to pay your issuing bank the amount of purchase. You then sign one copy of the charge slip and take the other one with you, along with your purchase.

Just like you, there are many others who use credit cards for their purchases. They also generate their own charge slips. All these charge slips are stored in batches and submitted by the merchant to his bank, once a day at the end of the working day. But remember, the nature of the relationship of the merchant with his bank is far different from your relation with your bank. It is called a merchant account and is actually a line of credit rather than a regular account. As per this contract, the bank agrees to undertake collection of payments on behalf of the merchant from his customers' banks. These payments are credited to the merchant's bank accounts after deducting the fees for all the services involved.

When the merchant deposits these batches in his bank, they are sent by the merchant's bank for clearing and settlement through the credit card association. This association charges your purchase amount to your bank and pays the amount to the merchant's bank. The merchant's bank then reimburses this amount to the merchant.

Your bank now charges your purchase amount to your credit card account. On the specific date, your bank will generate an account statement, listing all the credit and debit transactions in your account. If the debits are higher than credits, you have to pay the difference to your bank. You will also be given a due date, which is the last date by which you have to repay your bank in full. Failure to pay off this amount in full by due date will mean you will have to pay late fees as well as interest charges to the bank. These fees and charges can be very high, so be very careful.

Credit cards are a powerful credit tool to help you tide over short term financial requirements. However they must be used judiciously, as any misuse of the credit card can lead to high charges and make you fall into a debt trap, besides dropping your credit score drastically. So the watch word is - BE DISCIPLINED TO REPAY your credit card!

As the time is changing, the credit card providers have started tailoring their cards as per one’s requirements.

Types of Credit Cards

The different type of credit cards offered include:
  • Airline credit cards - Airline credit cards are primarily designed for those who frequently travel by air. These cards are generally co-branded with some airline service provider wherein the rewards are provided in the form of air miles. The card holders can use/ redeem these air miles during their next travel. In addition to air miles, the card holders can enjoy several other benefits like complimentary Lounge access at key airports in India and abroad, occasional discounts on air fare, special discounts in their network restaurants etc.
  • Lifestyle credit cards - Lifestyle credit cards are tailored to match your elite lifestyle. They offer gourmet experiences through luxurious travel and fine dining, access to airport lounges, free membership to selected golf courses and platinum concierge to assist you anywhere in the globe. With extraordinary benefits and higher credit limits, these cards can be obtained if the applicant has a good credit and repayment history or a huge monthly income.
  • Fuel credit cards - As fuel expenses are shooting up, the best thing to have as a reward is free petrol/ diesel in your vehicle. These cards are one of the best in the industry because they give you a wide variety of redemption options. You can redeem your points instantly over the Fuel counter for free petrol/ diesel, shopping at stores, online shopping, air miles, adjust against card outstanding, purchase gift vouchers or rewards merchandise.
  • Shopping credit cards – These type of Credit cards are designed for those who are deemed to be more shopaholic (doesn’t mean they spend carelessly) and adore to get rewarded for their spending. The rewards from these type of cards can be redeemed instantly at shopping outlets and e-shopping partners, or for various other options like fuel, Air Miles, Cash Back, Online shopping, gift vouchers and Card issuer’s catalog Merchandise.
  • Cashback credit cards – Under these credit cards, the card holders are rewarded for their spending i.e. a percentage of the amount spent is paid back to the card holder. The users can generally get their cash back conveniently and automatically as statement credit (on request). In addition to regular benefits, the users get several other privileges like dining, shopping and EMI privileges.

Top Banks providing Credit Cards in India

American Express Credit card:

Amex is an American multinational financial service provider and a pioneer in offering credit cards with several attractive, irresistible variations. On offer are cards for shopping, lifestyle, travel, to access select lounges and other commonplace as well as luxurious benefits. The patron is entitled to earn reward and loyalty points that can easily be converted into selected products and services including air miles. Amex has proved itself to be a market leader and a visionary when it comes to credit cards and its usage in a developing market such as India. Also on offer are cash cards and traveller’s cheques from Amex, backed by a robust and responsive customer service initiative. A few of the highlights from Amex credit cards include zero lost card liability, attractive offers, variety of cards in its arsenal, 24 x 7 customer support, membership rewards, payback features, privileged loyalty points and an extra dose of travel through its air miles offer. Sounds too good to be true? Apply for the Amex credit card through BankBazaar and enjoy a refined banking experience.

Citibank Credit card:

As a division of Citi Group- a multinational financial service provider, Citibank is an absolute behemoth when it comes to credit cards on the national and international level. Its services in terms of credit cards are loaded with attractive benefits, and offer an irresistible variety, from lifestyle cards, shopping cards, fuel and travel cards to innovative options like the prepaid cards and corporate cards. With a powerful presence in the credit card industry, Citibank has set the benchmark for its competitors to aspire for in terms of quality, availability, features and customer support. Features such as reward points, easy EMIs, instant loans for your financial obligations and insurance benefits on your card make the Citibank credit card a serious contender for your personal banking needs. Apply through Bank Bazaar and enjoy the advantages of a multifaceted credit card like never before.

IndusInd Bank Credit card:

Founded in 1994, IndusInd Bank is the classic example of being ‘a novice by age but not by ability’. In fact, the bank boasts of one of the most recognizable line of credit cards with such products as the super-premium credit card, premium credit card, co- branded credit card and core credit card forming the crux of its offerings. Avail attractive features in terms of golf course membership, reward points, air miles conversion and instant loans for your financial needs, while being backed by an energetic and reliable banking institution. Find everything that can be expected from a world class credit card, and more, with IndusInd Bank credit card. Apply with BankBazaar today, and enjoy partnering a fast growing banking superstar through its attractive line of credit cards.

SBI Credit Card:

SBI is one of the most trusted and in-demand banks in India that commands an attractive range of customer-centric and simplicity driven credit cards. Being a pioneer in almost all the product lines of commercial banking, SBI has also stepped very aggressively in the credit cards business. The products in SBI’s arsenal include premium cards, shopping and travel cards, classic cards and exclusive cards, each offering an amazing bonanza of benefits including free movie tickets, best in class concierge services, lounge access facilities, balance transfer facility, flexi payment in EMIs, reward points, online bills payment through pay net and a plethora of similar goodies. If you are looking for a reliable, comprehensive, simple and scalable credit card experience, SBI credit cards are the way to go. Apply through Bankbazaar today, and enjoy a different breed of credit card that was designed with you in mind.

Axis Bank Credit cards:

Axis Bank is a progressive bank with an impressive line-up of banking products and services. The Axis Bank credit cards are in a class of their own- offering range, flexibility and simplicity. The products on offer include the ‘Infinite Range’, the ‘Signature Range’ with flexi payment and travel benefits that are applicable to its co-branded cards and ‘My Cards’- exclusively designed for you. Axis Bank cards offer you numerous luxurious as well as everyday benefits like dining offers, airport lounge access offers, cash back, online bills payment, EMI conversion facility and lots more. Get the Axis Bank credit card advantage and put a new spin to your personal banking. Apply through Bankbazaar today!

HDFC Bank Credit cards:

HDFC Bank, a top bank in the Indian private sector has already rolled its sleeves to compete aggressively in the credit cards market. Every now and then, you will get acquainted with some special schemes and offers on HDFC bank credit cards, a range that includes featured cards, co-branded cards, super premium cards, professional cards, premium women, premium travel, premium card, regular card, commercial card and cash back card. Undoubtedly, the benefits and rewards attached to these cards are also pocket friendly like movie tickets, travel vouchers, golf club membership, air miles conversion, reward points, exclusive range of gifts, bill payment, EMI facility, cash-on-call, instant loans, dining offers and many more. Avail the HDFC Bank credit card advantage and enjoy a select range of exclusive offers and benefits. Apply through BankBazaar and be the proud owner of a HDFC bank credit card.

News about Credit Card

  • Idea Cellular and Microsoft
    Collaborate To Ease Payment
    for Apps

    In a novel idea to improve payment systems for purchase of apps, Idea Cellular and Microsoft have introduced a billing service whereby purchases from the Windows Store will be directly charged to subscribers’ post-paid bills or adjusted against pre-paid amounts. This will eliminate the need for credit cards or other forms of electronic payments. By making it easier and more convenient for subscribers to make purchases, more paid-apps are expected to be downloaded. Purchase values will currently be limited to Rs.300 for each app bought. Apps will have to be developed to be priced accordingly.

    This is a first-of-its-kind facility in India and is expected to work well given the low penetration of credit cards in Indian markets. Currently the credit card user-base stands at 19 million. A large number of people are also not connected to internet banking facilities making online payments a challenge. Idea Cellular hopes to offer strong competition to rivals Vodafone and Airtel through this service. At present, the mobile service provider has about 34 million subscribers to its data packages. The challenge in rolling out a service such as this, however, lies in the revenue distribution model which is yet to be finalised.

    22nd January 2015

  • Rising Credit Card Frauds
    Have Police on Alert

    The Hyderabad police have alerted credit and debit card users to the growing number of cases involving identity theft. With over a 100 cases booked last year alone, police are reiterating the need for improved vigilance. Most cases involved users receiving spurious calls from people claiming to be agents of cardholders’ banks, requesting vital information such as OTPs, Pin Numbers, Names and Card Numbers, in order to make supposed updates or changes to holders’ accounts. Police are yet to identify how cardholders’ contact information was leaked to these individuals. The possibility of banks’ databases being hacked into has not been ruled out, raising serious cyber security issues. Police are also considering information leaks by bank employees. Banks generally do not request account information or card details from customers and have once again stated that cardholders should be wary of such requests.

    20th January 2015

  • ICICI Bank uses
    NFC Technology to Introduce
    Contactless Credit and Debit Cards

    ICICI Bank, noted for leading improvements in banking operations, through technology-driven services such as internet and touch banking, has introduced new products as part of its contactless payment system. viz. the Coral Contactless Credit Card and the Expressions Wave Debit Cards

    Based on near-field communication (NFC) technology, these cards, introduced in Gurgaon, Mumbai and Hyderabad, require no contact with point of sales machines. This results in benefits such as shorter transaction times and improved security since customers do not have to hand over their cards at check-out counters.

    ICICI Bank has set up machines at various outlets to be used for contactless payments. However, these cards can also be used in the traditional manner at outlets that are not enabled with the new system. This system is most beneficial at establishments that require quick payment processing e.g. gas stations or cafes etc.

    13th January 2015

  • Banks Offer
    Online Recharge Services
    on Mumbai Metro Smart Cards

    In a welcome move to commuters, over 50 banks, led by ICICI Bank and SBI, have been roped in to provide top-up or recharge facilities on Mumbai Metro smart cards. Launched on Dec 25th, 2014, this facility, offered at zero cost, is available online as part of the banks’ internet banking services. Smart cards can also be topped up using credit or debit cards. Additionally, commuters can check balances on their smart cards through this service. Mumbai Metro aims to eliminate the hassle of long queues at stations where commuters are currently required to recharge cards. This will serve to not only save travel time but also positively enhance travel experiences.

    7th January 2015

  • Hackers Release
    Credit Card Information;
    Sony, Microsoft, Amazon Affected

    In a bid to disrupt network services, hackers leaked credit card and other account information including passwords of over 13,000 internet users; primarily that of Playstation and Xbox gamers and online retailers Amazon and Walmart. The information was made public in an online file that clearly indicated credit card numbers and their dates of expiry.

    Hackers ‘Lizard Squad’, who chose Christmas Day to execute their plan, claimed responsibility for the act stating they did it to highlight security lapses in the targeted companies online services. Lizard Squad used a DDOS or denial of service attack whereby heavy traffic was directed to the targeted servers forcing shut-down. As a result, genuine users were prevented access to online services.

    Xbox and Playstation have over 48 million and 110 million subscribers, respectively, to their online services. Sony and Microsoft, were left shamefaced as they tried to deal with complaints that came in, especially from angry Christmas revellers who felt cheated out of good money spent on consoles which could not be used. Parents took to social media to express anger over the disappointment their children had to endure due to their inability to set up, install or download games on their Playstation or Xbox consoles as a result of network disruptions. This incident has clearly highlighted the need for tighter security in the online space, particularly in relation to transmission and storage of financial information.

    2nd January 2015


   Credit Card Reviews
Customer Reviews
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  • Validated User
    (0)

    I am holding a Titanium credit card of HDFC Bank. I am getting a lot of benefits from HDFC Bank. I have been using for 6 years and it was very much useful during recession. Through this card I was able to fulfil my needs and my family needs as well. I am getting cash back and EMI offers on this card and I normally use this card for shopping.

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

    Its more than 6 months I been using AXIS bank my zone credit card.Some times, I use this card for on line shopping, paying utility bills as well as for dining. There are certain discounts provided. Its free card for the first year and later part, yearly, there is 500 which needs to be paid.

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

    I am holding a credit card of ICICI . They provide a very less credit limit. I am holding a Titanium credit card I have taken that for 2 years, benefits are like they provide pay back and everything is fine. The only drawback , is I can use this card only on HP Petrol pump and it is not acceptable else where.

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    suhas took a Credit Card from ICICI BANK Reviewed on
  • Titanium Edge
    0.5 5.0/5
    Validated User
    (0)

    Titanium edge credit card it is with HDFC bank and rate of interest reasonable. HDFC bank is best for any loan products and for credit card products. Since three years I am being with them so credit card payment is going directly from my account. Conversion of EMI in to any purchase is much easier and it will done in 10 to 15 minutes. Also they are sending confirmation mails regarding the same. Interest rate is 0.99% to 1.5%. They are giving offers in flight tickets, booking movie tickets and in online purchases. Regarding new launches they are sending instant messages. Most importantly this card is life time free.

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

    I am holding a platinum credit card of HDFC Bank. Benefits are great when compared with others especially CITI or SCB. The credit limit offered by them is satisfactory. Their rewards scheme is not that attractive and I dont get offers for rewards.

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

    Past I was getting alerts instantly about credit card status but now it is taking 5 to 10 minutes to receive the status. Late fee charge on the HDFC bank credit card is around 500. Reminders before payment date is timely and no issues on that but offers are not much. Customer service is not very satisfactory as the call waiting time is too long and the executives should be much knowledgeable. Life time credit card it is, so there is no annual charge.

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

    I am holding a credit card of HDFC Bank. For the last 3 months I am struggling like anything. I have planned to update my address as I have not got my new card. I tried to contact them through all the modes which is available. I have spoken with them over the phone , I have sent mails however I am yet to receive my new card and they have not changed the address. On top of all that, I have got a letter stating that payment is due. I am unable to make the payment without knowing my new credit card number.

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    aditya took a Credit Card from HDFC BANK Reviewed on
  • Validated User
    (1)

    This Rewards credit card of Citibank came along with the corporate account and did not submit separate documents for it. All the times when I do call the customer executives they listen our grievance and act accordingly where very satisfied. Billing cycle is good but the interest rate is high. Say for an example, I have to pay outstanding amount of 1lakh and I can pay only 40, 000 for bill so in this case Citibank is charging not for pending amount instead the are charging for entire outstanding amount.

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    syed took a Credit Card from CITIBANK Reviewed on
  • Validated User
    (1)

    I am holding a credit card of CITI Bank. Customer service offered by them was awesome. Interest rate when compared with others its good. IVRS options are interactive. It is very easy to reach the customer service agent as the options are available on the IVRS itself. Customer service is excellent and they have very good communication skills.

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

    Starting from application, HDFC bank has taken 15 days to deliver the credit card and the credit limit over the card is 75,000. Twice I got cash back offer by using my Titanium credit card and there is no service charge when using the card in petrol station. No charge while using the card for online transaction. Credit card service is very good in HDFC bank.

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

    Recently, I have applied for a credit card of ICICI Bank. They were able to provide the card within a weekâ??s time. Credit limit offered by them was one lakh. Benefits are like we can use it when we are in need of money. I will get payback and cash back also. Customer service offered by them was really good.

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

    I am holding a SBI Crome Card, this card is providing multiple options and benefits,when compared with others. I used to get cash back and discounts for all my transactions . They used to provide flexi pay options also, off course its chargeable. I have not used that flexi pay option though. They are providing pre approved loan against my credit card.

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

    I am holding a CITI Bank IOC Credit card. I normally use this card for fuel transactions. I used to get waiver on all my fuel transactions. I was finding it difficult to reach the Customer support team. It takes about 7 to 8 minutes time to reach the Customer support executive. Executives did not provide resolution on call normally and at times they are some issues with the machine network also.

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

    I am holding a HDFC Titanium credit card, its a very good card. I normally use this card for fuel transactions. Everything is good about this card. It cannot be faulted in any way. HDFC card also provides EMI options and balance transfer options also. I pay my bills online.

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

    I am holding a Myzone Axis bank credit card. I have no complaints. I generally use this card for movie tickets and dinning . I used to get cashback and discounts upto 5 to 10%. Basically the processing fee and annual fee on this card is really high it is around rs 1000. Credit limit offered by them is really less.

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

    I do get one plus one movie offers where 4 tickets in a month. Rest of the things are normal and also getting discounts in shopping, restaurants. Normally I use this ICICI bank Coral credit card for movie ticket booking and highly satisfied with the benefits. Discounts are applicable in purchase of electronic items and payback policy is there. Normally the annual charge over the card is 1000 but in special discount I am paying just 500.

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

    SBI is offering lots of cash back and they are canceling processing charge on EMI transfer. IRCTC is the card type and EMI option is good in SBI. While converting the purchase in to EMI of more than 50 thousand the interest rate would be 8.5%, which is really good. For EMI conversion the tenure is 6 months and even we can drag it for one year as well. One time I tried for cash using the card and I understood as 40thousand of cash limit. SBI is not much good in customer service and this I came to know it by reading reviews on online.

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

    Citibank is tie up with several partners so I am getting more benefits. Whenever I do purchase of 200, three points will be added so using that points I am purchasing products on online. Cash limit is 20,000 and credit limit is 66,000. 500 is the annual charge. Till now I did not get any calls from Citibank to upgrade my credit limit so suggesting them to upgrade the card. Specifically this is Rewards credit card so rewards points are good.

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    arokia took a Credit Card from CITIBANK Reviewed on
  • Validated User
    (1)

    Reasonably HDFC bank is good and Jet privilege credit card is mine. Whatever I do transaction I am getting 2JP miles for every hundred rupees but not sure about miles. Also I can book air tickets with some benefits. I can use the points for some other online purchase. I think HDFC bank is charging some thing per annum but I donâ??t know the charge. Most probably the credit limit is 1.2lakhs where HDFC increased by calling personally.

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

    There is a waiver in annual charge while crossing some limit else have to pay 1500. The provided credit limit is 40thousand initially but later they upgraded to 1lakh. Rewards points are there and it is given by payback. Customer service is good in ICICI bank but customer do expects for benefits where it is not much great in ICICI coral credit card. Assume if credit card bill is 90thousand and we are paying 89thousand, for this ICICI is charging interest rate for the entire amount of 90thousand which is totally unfair.

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    arokia took a Credit Card from ICICI BANK Reviewed on
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