Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Amritsar Credit Cards is Rated as "Excellent!" by 30 Users

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    Amritsar Credit Cards

    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

    Amritsar Credit Cards Reviews

    • ICICI Bank Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I am using a credit card from ICICI bank from last four months of time for this credit card I had applied many time then they have approved it, the worst part of this card is without informing they debit the amount later they inform, when I receieved the card the limit was 20000 ruppes later i can see they have added an insurance in my card for 10000 and now my limit is 10000, what kind of service is this, again later when I cancelled this insurance they have charged 6000 rupees and reverted back 4000 rupees. Very worst bank ever.
      Was this review helpful? 0
      , amritsar
      Reviewed on Aug 21, 2017
    • HDFC Bank Credit Card
      "Fine"
      0.5 5.0/5 "Blown Away!"
      I am quite happy about the credit limit which I had received on my credit card. More than that, the bank offered a life time free card. So it is really good in using credit card with HDFC bank. Everything is going smooth like no hidden and unwanted charges.
      Was this review helpful? 0
      , amritsar
      Reviewed on Aug 19, 2017
    • Bank Bazaar Credit Card
      "Credit card application"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar .com is very good, fast service I like it . I am just thinking in my office when i get and how to get my and how to apply a new credit card but finally, I saw an add of bank bazaar suddenly I applied for my credit card application now and it is approved. Just a few steps to process and apply for a credit card application WOW!! BANK BAZAAR AWESOME THANKS!!!
      Was this review helpful? 0
      , amritsar
      Reviewed on Jul 06, 2017
    • Bank Bazaar Credit Card
      "Experience ."
      0.5 4.0/5 "Great!"
      Excellent experience with bankbazaar, it provides good service. .fast reply. .I was also with bankbazar , my loan was approved with a lower interest rate through this site. Car loan ..personal loan credit card and other loan fast approval is provided by every bank all india.
      Was this review helpful? 0
      , amritsar
      Reviewed on Jun 25, 2017
    • HDFC Bank Credit Card
      "Its Excellent Credit card"
      0.5 5.0/5 "Blown Away!"
      Basically I am using HDFC Money back card, I am getting good rewards on purchasing. Every spent of 100, I get one point and 1 point = 70 Paise. I could redeem those point into cash or into a gift card. I am pretty happy to use HDFC credit card its really good.
      Was this review helpful? 0
      , amritsar
      Reviewed on May 31, 2017
    • HDFC Bank Credit Card
      "Poor Service"
      0.5 1.0/5 "Really Bad"
      I hold a credit card of HDFC bank. The credit limit is fifty thousand rupees and its a life time free card more over when I had applied twice for this credit card that time did not process it now, when I am not interested in credit card any more they have dispatched the card and its been just 10 days since I have received this card. But, I am not interested with for sure and I will return this card back.
      Was this review helpful? 0
      , amritsar
      Reviewed on Apr 15, 2017
    • Axis Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The service provided was good and I have not faced any drawback in the service provided by Axis from the past 2 years Iam using this card Its a life time free card and the credit limit which the bank had offered me was 40k I often use this credit card for shopping purposes. Month end I receive my statements on time.
      Was this review helpful? 1
      , amritsar
      Reviewed on Feb 18, 2017
    • ICICI Bank Credit Card
      "Very Useful Credit Card"
      0.5 3.0/5 "Satisfactory"
      I have been holding my credit card with ICICI Bank for one year. I have received cashback offrers on my card, also I have earned reward points for particuar chopping. But I am not happy with credit limit, because they are increase my credit limit.They are giving average services for customers, also they are transparent in billing process, I used to make payment through online.
      Was this review helpful? 0
      , amritsar
      Reviewed on Feb 06, 2017
    • American Express Credit Card
      "Promt AMEX Credit card"
      0.5 4.5/5 "Excellent!"
      Amex Credit card from American express bank was very good. They done what they had committed, For every online purchase Emi options, cash back and other excellent services had offered to me. It was not in Visa and Master card. Good to use the Amex card.
      Was this review helpful? 1
      , amritsar
      Reviewed on Oct 22, 2016
    • YES Bank Credit Card
      "My opinion "
      0.5 4.5/5 "Excellent!"
      My review is so great because, I am applying for this credit it's too easy thanks for yes bank I now this bank have a world class Business but I feel really today will I have big ideas for business and I want to do in with this bank and this is surely a great bank.
      Was this review helpful? 1
      , amritsar
      Reviewed on Oct 17, 2016
    • Bank Bazaar Credit Card
      "ABOUTS BANK BAZAAR"
      0.5 5.0/5 "Blown Away!"
      It is very easy way to apply credit card. Am so happy nd thanks to bank bazaar for this. I am share this to my all dear friends. for apply credit card nd any more products of the bank. This is a time saver App or site. Thank you so much bank bazaar.....
      Was this review helpful? 0
      , amritsar
      Reviewed on Sep 04, 2016
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I use a credit card with HDFC bank. The services are good from them. They are responsive too. It is a life time free card. They have good offers on the card. The best I prefer on the card is the EMI options. The minimum amount to be converted to an EMI is of 2K. The rate of interest is normal. Overall it has been good.
      Was this review helpful? 0
      , amritsar
      Reviewed on Jan 30, 2016
    • IDBI Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I was holding this cash credit account with IDBI . This account is still active. I am holding this account for more than 3 years . The service offered by IDBI the limit offered on this account 5 lakhs. Its like an overdraft the interest rate is 11% on the amount drawn . We can repay the amount when ever we want till that time they wilL charge interest
      Was this review helpful? 1
      , amritsar
      Reviewed on Nov 28, 2015
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      HDFC bank has offered me a Jetairways platinum credit card before one year. Their bank customer polices is not good to me. They tried to force the customers to pick the offers which is not really good. I am making all my credit card payments before time period.
      Was this review helpful? 0
      , amritsar
      Reviewed on Oct 05, 2015
    • Axis Bank Credit Card
      "Very helpful "
      0.5 5.0/5 "Blown Away!"
      I am using a My Choice credit card from AXIS bank for the last two years. I am getting cash back offers up to rupees 25k per year for fuel and dinning purposes. I personally selected this card to me where I am paying my annual fee of rupees 750. My credit limit is 40k and I am happy with it.
      Was this review helpful? 0
      , amritsar
      Reviewed on Oct 05, 2015
    • HDFC Bank Credit Card
      "No limit revision"
      0.5 5.0/5 "Blown Away!"
      Credit limit of my 6 year old credit card with HDFC Bank has not been revised even once. Other services on the card are quite good and I am happy using the card. I have requested for limit enhancement multiple times but no response has been given. I feel, having such a long term relation with Bank was not of great help.
      Was this review helpful? 0
      , amritsar
      Reviewed on Sep 29, 2015
    • HDFC Bank Credit Card
      "Good Service!"
      0.5 5.0/5 "Blown Away!"
      I was holding a Titanium card with HDFC bank, which is a life time free card. If I call the phone banking officer over the phone for any queries , they are clarifying the query then and there. The credit card is accessible in all outlets. I used to pay off my bills through savings account. I used to get proper statements through paper, unfortunately I lost the card.
      Was this review helpful? 2
      , amritsar
      Reviewed on Aug 14, 2015
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      For the past 6 months i have the SBI bank gold credit card. I mostly use the only for 15,000 - 20,000 per month. There is an annual fee for the card which is Rs.450. Cash back offer are available on book my show and on dining but i have not availed the benefits yet. Petrol surcharge is waived off on the HP petrol bunks.
      Was this review helpful? 2
      , amritsar
      Reviewed on Jul 16, 2015
    • HDFC Bank Credit Card
      "Wonderful.."
      0.5 5.0/5 "Blown Away!"
      I am very happy with the HDFC bank platinum edge credit card than any other credit cards that I hold. Interest rate charges are very less on EMI. Cash limit is 35% and per transaction they deduct 500 rupees. I have no complaints against the HDFC bank and very happy about their services.
      Was this review helpful? 0
      , amritsar
      Reviewed on Jul 14, 2015
    • ICICI Bank Credit Card
      "Good..."
      0.5 4.0/5 "Great!"
      In HPCL Master credit card I am getting cash on call offer and rewards points are very good. Cash back scheme is very nice while using the card in fuel station. Also I get some discounts but the interest rate is high in EMI conversion. ICICI bank has deducted around 500 during enhancement of the credit card. Mails are frequent stating the offers.
      Was this review helpful? 0
      , amritsar
      Reviewed on Jul 14, 2015
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