Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Ahmedabad Credit Cards is Rated as "Excellent!" by 807 Users

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    Ahmedabad Credit Cards

    Looking for a Credit Card in Ahmedabad? Compare various Credit Card offers online at BankBazaar.com for Ahmedabad city

    Ahmedabad, a place of great importance in the state of Gujarat is also the fifth largest city in the country. Its situated on the banks of river Sabarmati, which has traditionally made it a prosperous city. It is not only the judicial capital of the state but in many ways its trade capital as well. Thats the reason the city had attracted many regimes and rulers, who accorded it due significance. Ahmedabad has done well to imbibe these cultural influences and holds them rather close to its heart today. Hence when you see the city making great progress with infrastructure, industrial development and economic growth, you cannot miss the cultural influences and integration within the social fabric of the place. According to Forbes list of fastest growing cities in the world, Ahmedabad ranks at number 3. Thats a huge achievement for the place that has focussed on all round economic development and there are several steps being taken to make it a truly International city. Of course there has been a massive surge in the number of industrial units that have come up here and it has simultaneously brought about huge changes in the infrastructure to keep up with the requirements. While textile industry has always been at the forefront for commerce in the city, now other units are making their presence felt. So much so that according to RBI, the city has become the seventh largest credit centre in the country.

    The population of the city is estimated to be around 6 million and its only bound to grow with a large number of companies, big and small, setting up their business here. There is no dearth of opportunities for people to gain professional growth and financial freedom they seek. And one way of getting the latter is by the use of credit cards, which have become incredibly popular today. One of the biggest advantages of using credit cards is that you dont have to carry cash around wherever you go. You can simply swipe your card at different outlets in the city or anywhere in the world and be on top of things. And BankBazaar.com encourages you to make the best possible choice as far as Ahmedabad Credit Card options are concerned. It might be tempting to get the freedom that credit cards offer you and make it seem like several things are well within your means, even if they are not. Thats because you have the option of making your payments slowly in ways that are convenient to you. But you cannot lose sight of the fact that you are going to be charged a heavy interest rate for your purchases. That can easily blow up your monthly payments out of proportion and thats something you have to consider closely when you are thinking of getting a credit card for your personal needs. The finance charges applied by different banks and companies have to be taken into account as well before you make the financial decision of getting a credit card.

    Get the BankBazaar advantage when looking for credit cards

    • BankBazaar.com can help you get the best options if you are looking for credit cards in the city. We have a strong network of credit card companies and banks we work with so that you dont have to do the leg work of looking for offers available in the market. Here are some of the major credit card companies we work with
      • Axis Bank Credit Cards
      • HDFC Bank Credit Cards
      • CitiBank Credit Cards
      • ICICI Bank Credit Cards
      • IndusInd Bank Credit Cards
    • All you have to do is fill out the form that will establish your eligibility. Once you have done that you will be sent credit card options that you are eligible for. Since they come from the best banks and financial institutions you wont miss out on the offers out there.
    • BankBazaar.com then encourages you to compare these offers based on wide ranging factors like interest rates, finance fees, credit limit, cash advance limit etc. Balance transfer facility is something you might want to look at if you are trying to get rid of your old card. Only when you have compared these offers based on your individual requirements should you make your choice.
    • We then let you make a simple application online and offer you updates along the way so that you know how things are progressing.
    • Your personal information is protected with us and we only send it to your chosen credit card company.
    How to get Ahmedabad Credit Card on BankBazaar.com in 3 simple steps?
    • Fill up the e-form to initiate search for card offers
    • Compare card offers from our partner financial institutions
    • Apply for your credit card right from here
    • Privacy: Your application is sent only to the card provider you choose, and is never shared with anyone else.
    • BankBazaar.com will update you on your credit card application status via email & SMS alerts.
    FAQs
    1. Who can get a Credit Card?
    2. Anyone with a fixed income, aged above 21 & favourable CIBIL credit score of over 800 can get a credit card.

    3. What will be my credit limit?
    4. The credit limit will depend on various factors like your income, repayment, CIBIL score, etc. Your credit limit can be increased or decreased depending on your last years spending and repayment history

    5. Can I get an Add-on card? And will there be a separate credit limit on the Add-on card?
    6. Yes, you can get an Add-on card but, it will totally depend on the offers the credit card issuer is running at a given point of time. There will not be a separate credit limit for the add-on card.

    7. What should I do if there is a fraud transaction on my credit card?
    8. You should immediately inform your credit card issuer about the fraud transaction.

    9. What should I do if my Credit card is lost or stolen?
    10. If your credit card is lost or stolen inform your credit card issuer within 24 hours and block your card immediately for any fraudulent transactions. Ask your card issuer to send you a new card which generally gets delivered in 3-4 working days.

    11. Which payment network credit cards are available in India?
    12. Basically, Visa, MasterCard and American Express are three popular payment networks available in India. Payment Networks are not credit card issuers your credit card is issued by banks or other financial institutes.

    13. What is a grace period?
    14. A grace period is interest free period for you to pay your credit card balance in full without any interest rate charges. The grace period is calculated based on your billing cycle and not from the date of the transaction.

    15. Will there be any joining fees for credit card?
    16. Most credit card issuers do not charge you any joining fees. Some may charge you but they might reverse those charges in your first credit card statement.

    17. Is there any annual fee associated with credit cards?
    18. Most issuers waive off annual fee for the first year and then charge a minimum amount of Rs. 500 as annual fee.

    19. What is the interest rate/finance charge for credit cards?
    20. The finance charges will wary for each card issuer and type of card like Platinum, Gold, Titanium or any special credit card. Generally credit card interest rates start at 2.5% per month (30% per annum) to 3.75% per month (45% per annum).

    21. Will there be an overdue penalty or late payment fee?
    22. Yes, every card issuer will charge you a late payment fee ranging from Rs 300 to Rs 600.

    23. Will there be a separate charge for foreign currency transactions on my credit card?
    24. Yes, every card issuer will charge you some percentage of the transaction value for the foreign currency transactions. It is generally around 3.5% of the transaction value.

    25. How can I make my credit card payment?
    26. Credit Card issuers provide the following credit card payment options:

      • Through ATMs: Make payments through your card issuing bank ATMs.
      • Through Net banking: Make Card payments using your Net banking.
      • Visa Money Transfer
      • Standing Instructions: If you have bank account with your card issuing bank then you can give standing instructions to directly debit the minimum amount due or full payment due for your monthly credit card payment.
      • National Electronic Funds Transfer (NEFT): Transfer funds from any other bank account to make your card payments.
      • Drop Box Option: You can also drop a local cheque, payable to bank card A/c followed by your card number, at any drop box located in ATMs and branches of your card issuer.
      • Over the counter: You can pay directly by visiting your card issuing bank and make the cash payment for your credit card outstanding.
    Credit Card Eligibility and Documentation
    • Card holder should be in the age bracket of 18 years to 70 years.
    • Should have a fixed monthly income.
    • Should have a good CIBIL credit score.

    Documents required for Credit Card:

    • Pan Card Photocopy OR Form 60
    • Latest Salary Slip, Form 16, Income Tax return copy as income proof
    • Passport, driving license, ration card, etc. for residence proof.
    Features & Benefits of Credit Cards
    • To fulfill dreams which cant wait, apply for credit cards and live your dreams.

    Credit Cards come with great features and benefits

    • Save on fuel spends
    • Exiting reward programs
    • Comprehensive Insurance coverage
    • Cash back facilities
    • EMI facility on your product purchases
    • Balance Transfer facility
    • Interest Free Period
    • Special discounts on various productsSave on fuel spends
    Check For Latest: Gold Price in Ahmedabad Or Silver Price in Ahmedabad

    Ahmedabad Credit Cards Reviews

    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card from last 3 years, the services provided by ICICI credit card is good when compared to all other credit cards. They did not charge any annual fee at the time of getting this credit card. I also get good offers like cash back, reward points and EMI options. I am also satisfied with the credit limit.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 21, 2017
    • HDFC Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been good in the credit card offers. There are regular deals and it has been a good experience till date. There has never been issues in the banking and also in the billing. I am more than happy with the credit limit. It is enhanced when needed.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 19, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The service of STATE BANK OF INDIA for my credit card service is good but the process is always slow they use to delay in processing but the rate of interest which is offered from STATE BANK OF INDIA is always lowest also the online application is use friendly .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The service from ICICI for my credit card is very good I use to get regular intimation regarding new offers and schemes also with the statements and amount if I have any queries they will fix my issue on time without any delay I would say the service from ICICI for my credit card service is very good .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 16, 2017
    • Bank Bazaar Credit Card
      "Par excellent service"
      0.5 4.5/5 "Excellent!"
      Par excellent service, solid immediate response. Excellent councilling and great service. No more words to describe. Excellent guidelines, gives us free credit score which is valued by all banks, credit score where ever submitted if it is from bank bazaar you just have to tell they immediately accept it.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Kotak mahindra card for shopping, restaurants, utility bills, fuel and for mobile bills. I use the Kotak mahindra bank Urbane credit card for more than 4 years. I am not satisfied with the credit limit, still they need to increase the credit limit.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 16, 2017
    • IndusInd Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am usig IndusInd credit card from last 4 years, the services provided by this card is comparatively good. I also get offers like cash back and reward points, i get more reward points when compared to all other credit cards. They charged one time processing fee of Rs. 4000 which is nominal and i am also satisfied with the credit limit.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 15, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from last 3 years, the services provided by HDFC credit card is best when compared to all other bank credit card. I find this card very useful as i use it for dining, shopping and making payments. I also get offers like cash back and reward points, there was no annual fee charged at the time of getting this credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 15, 2017
    • review Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      Its been quite a time that i am holding the credit card of STATE BANK OF INDIA . Name of the card is PRIME card . The bank gave me a limit of rupees fifty thousand and cash withdraw limit of rupees 5000 and on using the credit card i receive reward points and also cash back . The customer service was real good one from the SBI END .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 13, 2017
    • HDFC Bank Credit Card
      "Below average "
      0.5 2.0/5 "Expected more"
      I hold a Hdfc Titanium Times credit card with a good limit. The service is poor, as and when I reach customer service helpline number agent make customer to stay on a queue or put us on a long hold.thats really fruesting on an emergency.No offers maintained on the card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 12, 2017
    • Citibank Credit Card
      "Fantastic service"
      0.5 5.0/5 "Blown Away!"
      I hold a citi bank rewards credit card is one of the best leading international bank in the world.This card type has got high earning ratio comparatively,5000 reward points has given to the customer as a welcome offer.Phone banking service is fantastic they close the complaint or a request within the turn around time.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 12, 2017
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am an existing customer of HDFC Bank and the I also hold a credit card. They provide a lot of offers, what i like most about HDFC bank is they send statement exact on time they offer benefits like loan facility or balance transfer option also. Altogether it was an excellent work done by HDFC.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 12, 2017
    • ICICI Bank Credit Card
      "satisfactory"
      0.5 4.0/5 "Great!"
      I have a credit card with ICICI and i would like to say that the service and response have been satisfactory. I personally feel that the customer service and response can be better. Also i would like to say about the auto debit that it would be appreciated if the bank does not deduct an amount after the due has already been paid.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 10, 2017
    • Axis Bank Credit Card
      "Smooth experience"
      0.5 4.0/5 "Great!"
      I hold a credit card with Axis bank and i can say that i am very happy with the credit limit provided to me and also the service that i receive from them. I have had no issues of any sort with regards to my credit card till date and It has been a smooth experience so far.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 10, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from past 2 years, the services are excellent in HDFC credit card. It is very good card to use. They did not charge any annual fee at the time of getting the credit card. I use this card mainly for shopping purpose. I also get good offers like cash back and reward points. When it comes credit limit, yes i am satisfied with the limit.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 09, 2017
    • HDFC Bank Credit Card
      "Very Disappointed with HDFC BANK & HDFC bankCredit Card "
      0.5 0.5/5 "Unacceptable"
      Very bad experience with HDFC_Bank credit card. HDFC credit card agents told me that no charges on use of hdfc money back card while was purchasing it. Now HDFC applied charges on my one transaction so i have registered complaint and contact to HDFC customer care but no one answered me on my complaint.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 06, 2017
    • RBL Bank Credit Card
      "fraud sales credit card by rbl bank "
      0.5 0.5/5 "Unacceptable"
      I took the card where the agent detailed me that the membership for the card is free for first year and from next year onwards you will be charged. To my shock I saw that the membership fee was charged in the first statement. On Calling customer care they directly said to close the card. Why should I pay for membership when I was clearly told by the agent that the same is free
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 06, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card from last 3 years, I find this card very useful because there is no annual fee for the first one year. Services are good when compared to other credit cards, I get payback and reward points when i go for shopping and for online purchase. I also a get a free fuel based on my reward points. When it comes to credit limit, i am satisfied.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 06, 2017
    • IndusInd Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with INDUSIND bank which was taken 2 years back. Its a free of cost card and The credit limit was 1 lakh. I hold their titanium international card. The rate of interest and charges are high here and there is no much benefit also.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 05, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      My credit card with HDFC bank was taken 2 years back. They have offered platinum card and the credit limit was 1 lakh. The customer service and responses was up to the mark. There is no much benefits here and Its an international card. My overall experience was good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 05, 2017
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