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The term ‘plastic money’ probably sounds quite crude but it has been one of the greatest inventions of this century. It has transformed the way the world transacts to an extent where it has become quite unimaginable to have to revert to the old ways of making payments. Rewinding back to the older days, most of us have endured the struggle of either having to carry enormous amount of cash for unavoidable reasons or falling short of cash, at the most inopportune moments. It is keeping such situations in mind that credit and debit cards have come into existence. And they surely have simplified a major aspect of our life, which is money.

Credit Cards

For a generation which values instant gratification, credit cards have been a blessing. Given the long list of benefits which they provide, credit cards continue to be the rage in today’s times. Unlike debit cards which access pre-available funds, a credit card basically allows the cardholder to borrow funds on credit from the bank in order to make purchases. This borrowed credit must be paid back to the bank within the given period of time (grace period). If the cardholder fails to do so, the borrowed amount will begin to attract interest which then must be paid along with the borrowed amount.

If you are thinking of applying for credit card, one of the most important things to consider is the fee attached to the credit card. Most credit cards carry a list of fees like annual membership fee, late payment fee, etc. in addition to the interest which is chargeable on the outstanding bill amount. The easiest way to avoid paying higher interest on your outstanding bill amount or a late payment fee is to pay your bills on time. Also, you must remember, your credit card payment is closely linked to your credit score. Hence timely bill payments can improve your credit score while pending payments will only give you a tarnished credit score.

Types of Credit Cards

There is a large number of banks and financial institutions, each of which provides a range of well-appointed credit cards to cater to the differing needs of customers. In India, credit cards are distinguished on the level of services which they provide or the specific purpose which they’re designed to fulfill. The most common variants in credit cards include Platinum, Gold, Silver, Titanium, Classic, Premium and Business, to begin with.

Co-branded credit cards

A co-branded card essentially means a card that is sponsored jointly by the bank and a retailer. These cards usually carry a variety of retailer specific incentives like discounts, rebates etc., but can also be used with other merchants. For example, HSBC offers co-branded cards with Westside, Spencers, MakeMyTrip, etc.

Auto & Fuel credit cards

These cards are designed to provide cash back or discounts at refueling stations, but can also be used elsewhere. For example, IndianOil Citibank Platinum Credit Card.

Travel credit cards

Travel cards are usually introduced in association with a travel partner or an airline where customers can avail special discounts on flight tickets or bookings via a travel booking site. For example, Citibank PremierMiles Card, Air India SBI Signature Card.

Entertainment credit cards

These cards are designed to complement users who have an active lifestyle and provide exclusive rewards on bookings for movies, shows, concerts, music, video games, sporting events and much more. For example, ICICI Bank Rubyx Credit Cards & HDFC Platinum Times Card.

Cash back / Rewards credit cards

Reward points on credit cards is one of the original benefits of a credit card where the card holder earns a certain number of points for every spending. Cash back credit cards have been introduced only recently where the user gets a pre-determined amount of cash back after every spending. For example, Citibank Cashback Credit Card & Standard Chartered Super Value Titanium Credit Card.

Credit cards for Women

Various banks have introduced credit cards tailored especially for women, who may be working professionals or home makers. These cards provide a range of benefits like reward points, cashback, discounts and more on shopping, groceries at supermarkets, beauty chains, apparel stores, e-shopping partners and more.

Lifestyle credit cards

Lifestyle credit cards are designed to complement your passion. Widely accepted nationally and internationally, these cards are introduced in joint association with a particular merchant and offer exclusive discounts, cash back and rebates on dining, travel, shopping and a host of other leisure activities. Enjoy privilege access to VIP lounges at airports, and enjoy a string of other complimentary benefits. The American Express Platinum Reserve Credit Card and ICICI Bank Rubyx American Express/MasterCard Credit Card are two of the most popular lifestyle cards available.

Advantages

Credit cards have eliminated the need for carrying cash in your pocket. Extremely convenient and safe to use, credit cards carry a string of advantages, some of which include the following.

  • Safe Alternative to Cash
  • Credit cards have successfully replaced paper money all over the world as they are easier and safer not only to carry but also store.

  • Chance to Improve Credit History
  • Your credit card history is closely linked to your credit score. Hence, using your card responsibly can help improve your credit score which in turn will help you while applying for a loan in the future.

  • Emergency Help
  • A credit card is indispensable when it comes to bearing emergency or unpredictable expenses.

  • Perks
  • Credit cards offer a host of exciting perks and benefits to the holder like Cashback, Reward points, Signup Bonuses, AirMiles, discounts, rebates and more.

  • Widely Accepted
  • Credit cards have been a widely accepted and recognized means of payment not only nationally but also internationally.

Debit Cards

A debit card is basically a banking instrument which gives the holder electronic access to their current or savings bank account. Card holders may use the card to withdraw money via an ATM or to get the cost of online/offline purchases charged to their account through their debit cards.

Types of Debit Cards

In India, debit cards are primarily used for ATM transactions. While most banks issue VISA or MasterCard debit cards, banks like SBI and Citibank also issue Maestro debit cards to customers. However, in India, debit card transactions are routed through Visa or MasterCard networks within the country and overseas and not directly via the issuing bank.

In 2012, the National Payments Corporation of India (NPCI) launched RuPay, an Indian domestic card scheme to facilitate electronic payments at all Indian banks and financial institutions. Introduced in direct competition with the international MasterCard and Visa, RuPay cards are widely accepted through India at approximately 145,270 ATMs, 875,000 point-of-sale (PoS) terminals and at over 10,000 e-commerce websites. Following the global safety standard for monetary transactions, the RuPay card employs the EMV (Europay, MasterCard & Visa) chip technology. The card is embedded with a microprocessor circuit which contains the card holder’s information and transactions are made with the help of the PIN number. Currently, over 240 banks, including some major public sector banks, and about 200 cooperative / rural banks issue RuPay cards to customers in India.

Advantages

A debit cards is a very handy tool for making quick and hassle free purchases. Widely accepted all over the world, debit cards have successfully replaced paper money as they continue to make transacting simpler. Given that, debit cards carry multiple advantages, some of which are discussed below.

  • Convenient Alternative For Cash
  • A debit card is a very convenient alternative for carrying wads of cash around. Also, transacting with a card is simpler and quicker.

  • Nominal Fee
  • Debit cards usually carry no fee or a very nominal fee, unlike credit cards which often have a yearly membership fee, joining fee, etc.

  • Quicker Transacting
  • Debit card transactions happen instantly. The entire process of swiping the card to the funds being transferred takes less than a minute.

  • Keep You Within Budget
  • Since a debit card accesses pre-available funds, it is easier to keep an eye on your expenses. A mini account statement can be procured from your respective bank’s ATM which will give you a list of recently made transactions.

  • Instant Access to Cash
  • Being a pre-loaded card which takes money from an existing account, a debit card gives you instant access to cash.

  • Easier to Procure Than a Credit Card
  • Unlike credit cards which require you to furnish a flurry of documents just in order to apply, a debit card is relatively much easier to procure.

How Does a Debit Card differ from a Credit Card?

A debit card differs from a credit card in a variety of ways.

Criteria Credit Card Debit Card
1. Connected To Need not be connected to any account.Requires to be connected to a checking / savings account
2. Monthly billYesNo
3. Spending LimitCredit limit is fixed for each card but varies from card to card. No credit limit. You can only spend as much is there in the linked bank account
4. Interest ChargedYes, if bill unpaid beyond due date.No interest charged as no money is borrowed.
5. Credit ScoreResponsible use can help improve credit score and vice versa No effect on credit score.

Why Apply for Cards on BankBazaar?

Be it a credit card or a debit card, you will be thrilled at how easy it to apply for one, with BankBazaar. This helpful aggregating portal will guide you through the entire process of applying for your new or next card, step by step. With comprehensive literature on different kinds of credit and debit cards, you can choose and compare between different credit cards based on your preferences and apply for your chosen card. Also, the 24x7, 365 days a year customer support team is there to answer all and any of your queries.

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

Cards Reviews

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  • Bank Bazaar Debit Card
    "Best servise for bank bazar"
    YES BANK
    0.5 4.5/5 "Excellent!"
    Bank bazar service is best for cobil scor provide persnal loan , atm card ,etc. ... ....................................................................................................................thanks bank bazar
    Was this review helpful? 6
    , ambala
    Reviewed on Mar 07, 2019
  • Bank Bazaar Debit Card
    "san rem"
    YES BANK
    0.5 4.0/5 "Great!"
    Thank you very much ........ It's very simple to open new account ... And I am very comfortable with this your bankbazar site and app..... And my self I recommend to my frnds also... For credit cards also show which is suitable for me.. thanks alot for your service
    Was this review helpful? 21
    , chennai
    Reviewed on Feb 18, 2019
  • Bank Bazaar Debit Card
    "Experience"
    YES BANK
    0.5 3.5/5 "Pretty good"
    First time experience of opening bank account Let's see what happens. I hope everything going good. I will refer my friends to if IM able to opening my account through bank bazaar. And also need help in mutual funds investment. Thanks.
    Was this review helpful? 17
    , new delhi
    Reviewed on Feb 17, 2019
  • Bank Bazaar Debit Card
    "Customer satisfaction "
    YES BANK
    0.5 5.0/5 "Blown Away!"
    I visited a number of sites on regards in the above matter, but what ever the response I got through bank bazar was marvellous and extra ordinary.... Thanq for providing such easy platform for getting in touch to obtain the debit cards so easily.
    Was this review helpful? 11
    , hyderabad
    Reviewed on Feb 16, 2019
  • Kotak Debit Card
    "Better"
    KOTAK MAHINDRA BANK
    0.5 4.0/5 "Great!"
    I am having a Platinum Debit card from Kotak Mahindra Bank. The daily withdrawal limit is sufficient. I don't get any benefits on the card but its easily accessible everywhere. I got a hidden charges of 150 rupees which was debited from my account. There is no charges for other ATM swipes and there is no limitation.
    Was this review helpful? 37
    , mumbai
    Reviewed on Jan 28, 2019
  • Kotak Debit Card
    "Worst Kotak 811 services"
    KOTAK MAHINDRA BANK
    0.5 0.5/5 "Unacceptable"
    Opened an account in December 2018 not received any call from customer care for document completion till yet also visited the nearest branch and no action has been taken . Worst services of this bank . Even the executive and staff has not been responsible and their behavior is also very rude.
    Was this review helpful? 46
    , new delhi
    Reviewed on Jan 16, 2019
  • Bank Bazaar Debit Card
    "NICE "
    YES BANK
    0.5 3.0/5 "Satisfactory"
    I am impressed with the quality of the service that is being offered here. It was so easy to apply for the Debit Card. Something of this nature should truly be an easy thing and because of Bank Bazaars commitment to help me, I can safely say, "Yes"! I have gotten through!!
    Was this review helpful? 32
    , bangalore
    Reviewed on Jan 12, 2019
  • Bank Bazaar Debit Card
    "saving account is life saving "
    YES BANK
    0.5 4.5/5 "Excellent!"
    Thank you very much ........ It's very simple to open new account ... And I am very comfortable with this your bankbazar site and app..... And my self I recommend to my frnds also... For credit cards also show which is suitable for me.. thanks alot for your service
    Was this review helpful? 27
    , udaipur
    Reviewed on Jan 11, 2019
  • Bank Bazaar Debit Card
    "veer"
    YES BANK
    0.5 3.5/5 "Pretty good"
    Thank you very much ........ It's very simple to open new account ... And I am very comfortable with this your bankbazar site and app..... And my self I recommend to my frnds also... For credit cards also show which is suitable for me.. thanks alot for your service
    Was this review helpful? 28
    , chennai
    Reviewed on Jan 11, 2019
  • Bank Bazaar Debit Card
    "Regarding debit card"
    YES BANK
    0.5 4.0/5 "Great!"
    It's good to have a debit card online. It makes the person able to travel anywhere in the world without carrying the bag of money. It creates the safety of money and person has more faith on it. It makes the person able to face any money transaction related problems.
    Was this review helpful? 23
    , jaipur
    Reviewed on Jan 10, 2019
  • Bank Bazaar Debit Card
    "Savings account is mostly i am using"
    YES BANK
    0.5 5.0/5 "Blown Away!"
    I am impressed with the service provided by Bankbazaar.com because they are mostly provide the offers and best deals and gifts also providing so many of the people are choose the relevant bank for shopping, movie ticket etc .and travel..so car loan bike loan are provided to impress people.
    Was this review helpful? 34
    , chennai
    Reviewed on Jan 04, 2019
  • Bank Bazaar Debit Card
    "Thank you"
    YES BANK
    0.5 4.0/5 "Great!"
    Thank you very much ........ It's very simple to open new account ... And I am very comfortable with this your bankbazar site and app..... And my self I recommend to my frnds also... For credit cards also show which is suitable for me.. thanks alot for your service
    Was this review helpful? 31
    , chennai
    Reviewed on Dec 30, 2018
  • Bank Bazaar Debit Card
    "Service"
    YES BANK
    0.5 4.5/5 "Excellent!"
    I am impressed with the quality of the service that is being offered here. It was so easy to apply for the Debit Card. Something of this nature should truly be an easy thing and because of Bank Bazaars commitment to help me, I can safely say, "Yes"! I have gotten through!!
    Was this review helpful? 39
    , new delhi
    Reviewed on Dec 29, 2018
  • Bank Bazaar Debit Card
    "DC REVIEWS"
    YES BANK
    0.5 3.5/5 "Pretty good"
    hi this is manikanta iam really happy to open this account and easy to create my account. Iam waiting for my new account for this bank ,.and am really impressed this bank and giving personal loan also I would like to thank everyone who are present there.
    Was this review helpful? 28
    , chennai
    Reviewed on Dec 27, 2018
  • Bank Bazaar Debit Card
    "Thank you"
    YES BANK
    0.5 4.5/5 "Excellent!"
    Thank you very much ........ It's very simple to open new account ... And I am very comfortable with this your bankbazar site and app..... And my self I recommend to my frnds also... For credit cards also show which is suitable for me.. thanks alot for your service
    Was this review helpful? 27
    , hyderabad
    Reviewed on Dec 26, 2018
  • Bank Bazaar Debit Card
    "Super "
    YES BANK
    0.5 5.0/5 "Blown Away!"
    Fantastic method quick response neat order for the processing given below perfect rules and regulations have lot of the security question and the answers given to be easily identify no if question is more and very simple to keep in memory as well.
    Was this review helpful? 36
    , tiruchirapalli
    Reviewed on Dec 25, 2018
  • Bank Bazaar Debit Card
    "King of to apply debit card "
    YES BANK
    0.5 5.0/5 "Blown Away!"
    Wonderful chance to apply debit card to use the bank opportunity to apply debit card and also all the people to apply debit card for this bank so easy to get along with and without the people that I have been super busy with work and school work done
    Was this review helpful? 41
    , vijayawada
    Reviewed on Dec 21, 2018
  • Bank Bazaar Debit Card
    "Very neat and quick formalities "
    YES BANK
    0.5 5.0/5 "Blown Away!"
    Very fast registration done. It did not askany questions and moreover the drop down menu is gud enough to choose. Great service with great name .i will always recommend this to all my friends. It's quick. Great keep up the good work.bank bazaar was very responsive
    Was this review helpful? 41
    , bangalore
    Reviewed on Dec 14, 2018
  • Bank Bazaar Debit Card
    " i am reyaly happy to and easly i creat .nice responsess lik"
    YES BANK
    0.5 4.5/5 "Excellent!"
    hi this is manikanta iam really happy to open this account and easy to create my account. Iam waiting for my new account for this bank ,.and am really impressed this bank and giving personal loan also I would like to thank who are there every one
    Was this review helpful? 51
    , bangalore
    Reviewed on Dec 05, 2018
  • Bank Bazaar Debit Card
    "Let's see wat happens filled the application"
    YES BANK
    0.5 5.0/5 "Blown Away!"
    Hi Hi Let's see wat happens filled the application for zero balancaccount if it happens to be true then I will be the luckiest person and will be very thankful to the bankbazaar,kindly help me in opening this account .thakur vijayender Singh hi
    Was this review helpful? 42
    , hyderabad
    Reviewed on Dec 03, 2018
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Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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