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  • Cards - Compare Credit Cards & Debit Cards

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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.

    Cards Reviews

  • Page 1 of 26 1 2 3 4 5
    • Bank Bazaar Debit Card
      "When I search for good bank that time bankbazar helps lot"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Bankbazar very good very easy to open the bank account and choose also easy I like a lot and it save my time my money each and every thing it very useful account opening so many thanks for bank bazaar and their staff and founder I love this web site it help for future generations.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • Bank Bazaar Debit Card
      "Open new account to the bankbazaar.Thank to bank best in wo"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Bank is zero balance account to new open best in bankbazaar. Thank you to bank bazaar.I will be very h apply to users credit cards.Bank good experience to Step by step faster account open. Bank useful website service.Thanks to bankbazaar
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • Kotak Debit Card
      "Good service"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      Within 4days of time I got the car loan from Kotak Mahindra bank. The customer support is good with Kotak mahindra bank. The rate of interest which they have offered was low, when compared with other banks. The required loan amount has been disbursed and I am happy with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 16, 2017
    • ICICI Bank Debit Card
      "Great banking service and good previlage"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      I have recently upgraded my debit card to CORAL and not sure about the type of card. I am happy with withdrawal limit. The customer service and response was quick. ATM service is more enough, even after 4 transaction there is no extra charges. The mobile application is good and they don't charge extra for IMPS transfer. Specialty of the card is One Plus One Ticket on movie.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2017
    • Bank Bazaar Debit Card
      "Thanxx"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Thank you, Bank bazaar for helping me with 0 balance bank account and my bank account number is my choice, thank you so much for the simple steps for processing my account thank you for all such service. I am proud of you and I will share my feedback to friends and relatives as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 13, 2017
    • Bank Bazaar Debit Card
      "Easy Filling Form"
      INDUSIND BANK LTD
      0.5 4.0/5 "Great!"
      Easy to find what I want... Easy to fill up the form... Easy to understand form (what will be written on form) Easy to maintain.. I have Little knowledge of IndusInd bank that why I was fill up the form... IndusInd bank have better service than other bank
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 11, 2017
    • ICICI Bank Debit Card
      "According to your use"
      ICICI BANK
      0.5 4.0/5 "Great!"
      My friend use icici coral debit card it charges 499 +gst every year it gives good offer like buy one get one free on movies per month and payback points and refund on petrol pump if used debit card for payment but i want to say after all this if you are doing this things then only use this card becuse 577 per year is too much if you are not using this benefits
      Was this review helpful? 0
      , pune
      Reviewed on Oct 04, 2017
    • Bank Bazaar Debit Card
      "helpful"
      YES BANK
      0.5 1.0/5 "Really Bad"
      Thanks and helpful in the future and I thing it's also being me a good and hopefully for my family .useful and keeping in and provideing in a perfect lifeand think for good I do to with friends too.so let's tell the whole world that it is the best that help people in perfect ..
      Was this review helpful? 0
      , imphal
      Reviewed on Sep 28, 2017
    • Bank Bazaar Debit Card
      "My play plan"
      YES BANK
      0.5 5.0/5 "Blown Away!"
      Very easy and quick process I like bankba%aar.com. A peoples are handling very smart and style in every person happy of life.l feel happy of moment every minutes so happy.Thanks for bankbaa%aar.com.I informed my best friends and family members.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 27, 2017
    • Bank Bazaar Debit Card
      "Bank bazaar website is very useful"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Thanks to bank bazaar as they follow very simple steps it is easy to use bank account credit card, apply for users its a very good service and it is meant for all people. Bank bazaar website is very useful and I am very much thankful for your service...thank you so much for giving all such services.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 10, 2017
    • Bank Bazaar Debit Card
      "Open new a/c "
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      It is very easy to open a new bank account very fast secure also step by step was taken so good experience friends try bankbazaar.com and try financial, insurance products, bank saving a/c ,credit cards, loans like car loan, home loan, personal loan and two wheeler loan .
      Was this review helpful? 0
      , noida
      Reviewed on Sep 05, 2017
    • Bank Bazaar Debit Card
      "Superb Site.."
      YES BANK
      0.5 4.0/5 "Great!"
      It's very helpful site. It's save your time & money to use it. I will refer my friend to use it. Today I applied online for the saving account opening. I was getting very quick response from the bank bazaar. Its nice site to check your credit score Good application too. Thank you bankbazaar!!
      Was this review helpful? 0
      , pune
      Reviewed on Sep 05, 2017
    • Bank Bazaar Debit Card
      "Bank bazar is very much help ful and so good"
      YES BANK
      0.5 4.0/5 "Great!"
      Bank bazaar is very much help ful for loan and credit cards, debit card search etc and also they provided provided quick approval. Today I applied online I was getting very quick response from the bank bazaar. It was a nice app for searching credit card, debit card, personal loan also car loan. Good application too. Thank you bankbazaar!!
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 28, 2017
    • Bank Bazaar Debit Card
      "Thanks bank bazaar"
      INDUSIND BANK LTD
      0.5 4.0/5 "Great!"
      Thanks to bank bazaar as they follow very simple steps it is easy to use bank account credit card, apply for users its a very good service and it is meant for all people. Bank bazaar website is very useful and I am very much thankful for your service...thank you so much for giving all such services.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 24, 2017
    • Bank Bazaar Debit Card
      "Best service and I had got good guideline from this site"
      YES BANK
      0.5 5.0/5 "Blown Away!"
      Customer friendly and the best site bank bazar is providing good service. In this site no any problem where we can easily use this site. I had used that is very quick determine results for any queries so bank bazar is best site. So any person can use this site easily and find out any queries.
      Was this review helpful? 0
      , ranchi
      Reviewed on Aug 23, 2017
    • RBL Bank Debit Card
      "Ratnakar Bank Debit card "
      RATNAKAR BANK
      0.5 5.0/5 "Blown Away!"
      Ratnakar Bank debit card facility is too good. Very useful options for using debit cards at different pos and online payment system. Bank customers care facilities are also prompt in service with customer. RBL is rising bank in all villages.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 21, 2017
    • ICICI Bank Debit Card
      "Excellent Service"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      I am using ICICI debit salary account for the past 3 years and the service from ICICI and executives of ICICI was very helpful and service was really nice and the transactions were very fast also I am getting my OTP pin very fast compare to others and they providing me a very excellent service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • Bank Bazaar Debit Card
      "Bank bazaar"
      YES BANK
      0.5 5.0/5 "Blown Away!"
      Bank bazaar is very much help ful for loan and credit cards, debit card search etc and also they provided provided quick approval. Today I applied online I was getting very quick response from the bank bazaar. It was a nice app for searching credit card, debit card, personal loan also car loan. Good application too. Thank you bankbazaar!!
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 31, 2017
    • Bank Bazaar Debit Card
      "Good experience "
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Intially I did not believe about the account opening online with zero balance but I have tried it and finally got it. Also, I had got the loan to buy a bike with lower interest and documentation and EMI process was made very easy., Feeling good, thankyou bankbazaar.com.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 26, 2017
    • Bank Bazaar Debit Card
      "Good job"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Thanks to bank bazaar as they follow very simple steps any work for bank account credit card, apply for users its a very good service for any person. Bank bazaar website is very useful and I am very much thankful for your service...thank you so much for giving all such services.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 18, 2017
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