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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
    "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? 3
    , 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? 8
    , 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? 8
    , hyderabad
    Reviewed on Dec 03, 2018
  • Bank Bazaar Debit Card
    "Very nice "
    YES BANK
    0.5 5.0/5 "Blown Away!"
    Very good app i am impressed by the bankbazaar app thank you so much i love you all of you i think this is bankbazaar is a best bank app really help full and you will apply very easy to use this app personal loan home loan car very very help full thank
    Was this review helpful? 8
    , mumbai
    Reviewed on Dec 02, 2018
  • Bank Bazaar Debit Card
    "Very nice facilities"
    YES BANK
    0.5 3.5/5 "Pretty good"
    Very nice facilities I would like for this bank is very high facilities thankyou bank bazaar and thank you for everyone bank bazaar member so I am feel amazing..I am very glad to open an account in Yes bank.I think every person should have account in Yes Bank.Thank you.
    Was this review helpful? 6
    , chennai
    Reviewed on Dec 01, 2018
  • Bank Bazaar Debit Card
    "Good service"
    YES BANK
    0.5 3.0/5 "Satisfactory"
    Its a good service for all. Any body open an account in Yes bank in Just few minutes. You can upload your Document online in very easy steps.I am very glad to open an account in Yes bank.I think every person should have account in Yes Bank.Thanking you.
    Was this review helpful? 8
    , surat
    Reviewed on Nov 29, 2018
  • Bank Bazaar Debit Card
    "Very nice facilities"
    YES BANK
    0.5 4.5/5 "Excellent!"
    I would like for this bank is very high facilities thankyou bank bazaar and thank you for everyone bank bazaar member so I am feel amazing and some I will to everyone go bank bazaar website and check you reward points more benefit thank-you iii
    Was this review helpful? 7
    , lucknow
    Reviewed on Nov 28, 2018
  • Bank Bazaar Debit Card
    "The best bank for all peoples. "
    YES BANK
    0.5 4.5/5 "Excellent!"
    It is good service to every one. Any body open an account in Yes bank in Just few mint. You can upload your Document online in very easy steps.I am very glad to open an account in Yes bank.I think every person should have account in Yes Bank.Thank you.
    Was this review helpful? 13
    , noida
    Reviewed on Nov 27, 2018
  • Bank Bazaar Debit Card
    "Need Zero balance account"
    YES BANK
    0.5 2.5/5 "Just OK"
    i need zero balance account but i get saving account but still its good i dint have to go bank and by internet i open my new account its excellent. this is my time saving and also from any were i can operate my account its very good service also, I am very much happy with their service.
    Was this review helpful? 8
    , surat
    Reviewed on Nov 22, 2018
  • Bank Bazaar Debit Card
    "Good service with Bankbazaar"
    YES BANK
    0.5 3.5/5 "Pretty good"
    I had the experience of applying for FD actually it took some time for them to process the documents which were uploaded online and after highlighting the same it was rectified. Everything was falling in place and I personally feel website is much better than the mobile application -IOS version as I had some difficulties in viewing the status of the application otherwise, I am pretty much bankbazaar.
    Was this review helpful? 8
    , bangalore
    Reviewed on Nov 22, 2018
  • Bank Bazaar Debit Card
    "50"
    YES BANK
    0.5 3.5/5 "Pretty good"
    It's good services that I have seen bank bazar is the only way to know about interest rates with the online opening bank account... I'm glad to inform u this is the best choice for opening new bank account.. and I refer my all friends to know about bank bazar.. I will give the rating 5
    Was this review helpful? 10
    , indore
    Reviewed on Nov 20, 2018
  • Bank Bazaar Debit Card
    "YES BANK "
    YES BANK
    0.5 4.0/5 "Great!"
    I had the experience of applying for FD actually it took some time for them to process the documents which were uploaded online and after highlighting the same it was rectified. Everything was falling in place and I personally feel website is much better than the mobile application -IOS version as I had some difficulties in viewing the status of the application otherwise, I am pretty much bankbazaar in general and that is why I had rated them highly.
    Was this review helpful? 7
    , chennai
    Reviewed on Nov 16, 2018
  • Bank Bazaar Debit Card
    "Nice"
    YES BANK
    0.5 4.5/5 "Excellent!"
    Excellent service..its yes ..i need more service from..yes bank..im a self employed business person..so many banks ask me on salary certificate to have a credit card only i need credit card because they provide very good offers on credit card.
    Was this review helpful? 14
    , bangalore
    Reviewed on Nov 16, 2018
  • Bank Bazaar Debit Card
    "Good service giving good opportunity for opening bankaccnt"
    YES BANK
    0.5 5.0/5 "Blown Away!"
    It's good services that I have seen bank bazar is the only way to know about interest rates with the online opening bank account... I'm glad to inform u this is the best choice for opening new bank account.. and I refer my all friends to know about bank bazar.. I will give the rating 5/5
    Was this review helpful? 18
    , hyderabad
    Reviewed on Nov 14, 2018
  • Bank Bazaar Debit Card
    "Superbb very great amazing kirrak superbb goodluck do busine"
    YES BANK
    0.5 5.0/5 "Blown Away!"
    Superbb done work you are very great and helpfull person i pray god for your success in all over the world and fullfill your drams you will do success in one day over the world do business like that and only you make the world happiness and goodluck
    Was this review helpful? 14
    , hyderabad
    Reviewed on Nov 13, 2018
  • Bank Bazaar Debit Card
    "Home loan"
    YES BANK
    0.5 4.0/5 "Great!"
    Actually I here my friend said to me AXIS bank is very fast processing transactions n quick loan approval giving so I will apply new account n loan home. So plz approved my account details plzz my account. Good banking rate now total banks n safe Lockers.
    Was this review helpful? 14
    , hyderabad
    Reviewed on Nov 12, 2018
  • Bank Bazaar Debit Card
    "APPRECIATED BY ME"
    YES BANK
    0.5 5.0/5 "Blown Away!"
    VERY VERY NICE EXPERIENCE & BEST APPLICATION FOR BANKING, MUTUAL FUNDS, INSURANCES ,LOANS INQUIRYS, CREDITS SCORES ETC. And I ALSO OPENED A SAVINGS ACCOUNT THROUGH WWW.BANKBAZAR.COM Good experience It's a good experience opening an account .It's easy and time saving .Get info on high yield savings accounts, money market accounts, certificates of deposits, ... Banking and Saving ... Times have changed.good way to open savings account.
    Was this review helpful? 21
    , baddi
    Reviewed on Nov 02, 2018
  • Bank Bazaar Debit Card
    "bankbazaar"
    YES BANK
    0.5 5.0/5 "Blown Away!"
    Bankbazaar site is the best.. it give very best experience . it is very easy to handle.i like this very much.5 star service for opening account. it good experience for opening account. it is easy and time saving. get info on high yield saving account . tish is very best for me and also for you.
    Was this review helpful? 26
    , patna
    Reviewed on Oct 31, 2018
  • Bank Bazaar Debit Card
    " It's a good experience opening an account"
    YES BANK
    0.5 5.0/5 "Blown Away!"
    5 star service for account opening , also bank bazaar get the credit card personal loan home loan best policy bank bazaar thanks open account good rating good customer service and good reviews, nice shopping card Mobile, phone awesome service bank bazaar I like it bank bazaar thank you.
    Was this review helpful? 28
    , tirupati
    Reviewed on Oct 30, 2018
  • Bank Bazaar Debit Card
    " like Savings Account,"
    YES BANK
    0.5 5.0/5 "Blown Away!"
    Good experience It's a good experience opening an account .It's easy and time saving .Get info on high yield savings accounts, money market accounts, certificates of deposits, ... Banking and Saving ... Times have changed.good way to open savings account
    Was this review helpful? 30
    , aurangabad
    Reviewed on Oct 27, 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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