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    Amritsar Credit Cards

    Card
    1st Year Fee
    Rewards
    Joining Perks
    499
    Response Time Within 30 minutes
    Paperless approval option available
    0
    Response Time Within 30 minutes
    3000
    Response Time Within 30 minutes
    1000
    Response Time Within 30 minutes
    Instant Decision
    0
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    0
    Response Time Within 30 minutes
    9999
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    499
    Response Time Within 30 minutes
    Paperless approval option available
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    Amritsar Credit Cards Reviews

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

    Amritsar is the largest city in the state of Punjab which is located in the north western part of India. The city is also known as Ramdaspur or Ambarsar. The city of Amritsar is considered to be the spiritual center for the Sikh religion. It is the biggest and most significant city in the state of Punjab. Amritsar is an important cultural, commercial and transportation center in Punjab. According to history, the city of Amritsar was founded by the fourth guru of the Sikhs- Ramdas, in the year 1577 on a small site which was offered by the then Mughal emperor Akbar. The city derived its name from the Amrita Saras-a pool which was excavated in the city during the period. Amritsar is well connected to all the major cities in the country by air, road and rail. The international airport situated in Amritsar is known as the Sri Guru Ramdas Jee International Airport. It has a large number of international and domestic flights flying in and out of the country every day.

    The banking sector in Amritsar includes both private and public sector banks. Banks offer a wide assortment of services in the form of personal banking, corporate banking and agricultural banking. Some of the most significant banks in the city are Punjab National Bank, Bank of Baroda, Oriental Bank of Commerce, Indian Overseas Bank, CBI or the Central Bank of India, State Bank of Patiala, Allahabad Bank, State Bank of India and many more. Most of these banks offer credit card facilities to the customers. It is also easy to avail credit cards through BankBazaar.com. Customers can easily compare Amritsar credit card features and facilities through BankBazaar.com. The portal showcases the eligibility criteria, interest rate and the features and benefits of procuring credit card facilities.

    Get BankBazaar advantages when looking for credit card offers in Amritsar
    • Bankbazaar.com will guide you through the process and will help chalk out a plan to get the best in terms of choice and rates. After you have compared credit card plans on the website, you can go ahead and apply online. But, before that let us now look at some of the prominent benefits of credit cards offered by banks in Amritsar
      • Wide range of choice to suit all credit needs
      • Availability of cobranded cards
      • Women specific cards
      • Extensive reward programs with attractive cash back offers
    • Some of the well-known credit card options you can get include
      • Axis Bank Credit Cards
      • HDFC Bank Credit Cards
      • Apply CitiBank Credit Cards
      • ICICI Bank Credit Cards
    • You can begin with the simple eligibility form we have for you. It helps assess your eligibility so that you can get the right offers for your requirements. You will instantly get offers that might tick the right boxes for you
    • Once thats done you can look at these offers based on various criteria like interest rates, balance transfer facilities etc.
      These offers can be compared keeping your own requirements in mind and features like credit limit, the maximum cash withdrawal you can get etc. Once you have compared these offers thoroughly you will be in a better position to make the right choice for yourself.
    • You dont have to run all over the place to make your application, because we let you do it online. BankBazaar.com also keeps you in the loop about latest proceedings.
    • We are known to maintain complete objectivity and transparency throughout the process. Your personal information is also kept safe with us, just like youd want it to be.
    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 products
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