• 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 32 1 2 3 4 5
    • Bank Bazaar Debit Card
      "GOOD"
      INDUSIND BANK LTD
      0.5 4.0/5 "Great!"
      Bank bazaar is doing very great job . we really need this type of technology in our country and they are contributing through their beautiful idea and working on that too with a clear and genuine way. Sometimes people just think of bring change but some are actually working on it without giving hassle to any of their customers.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 23, 2018
    • Bank Bazaar Debit Card
      "Best"
      INDUSIND BANK LTD
      0.5 4.5/5 "Excellent!"
      Bank bazaar is doing very great job . we really need this type of technology in our country and they are contributing through their beautiful idea and working on that too with a clear and genuine way. Sometimes people just think of bring change but some are actually working on it without giving hassle to any of their customers.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 20, 2018
    • Bank Bazaar Debit Card
      "Very helpful"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      I was looking for a zero balance ac opening and bank bazaar.com help me open instantly with a genuine bank thank u bankbazaar.com and hope in future you update me with good offer and good banking facilities. Also I am looking out for compliments like Mug , tshirt etc.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 19, 2018
    • Bank Bazaar Debit Card
      "VERY NICE .ACCESS TO EASY AND EASY TO TRANSACTION.THANK YOU."
      YES BANK
      0.5 5.0/5 "Blown Away!"
      NICE WORK YOU PEOPLE ARE DOING. BANK BAZZAR IS VERY USEFULL .ITS AWESOME VERY EASY TO USE.I AM PROUD OF BANK BAZZAR . IT WILL MAKE YOUR SMILE IS AWESOME.ITS AWESOME PLATFORM TO OPEN AN SAVING ACCOUNT. THIS SITE IS AWESOME.I WOULD LIKE TO OPEN THIS ACCOUNT.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2018
    • Bank Bazaar Debit Card
      "FANTASTIC"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      REALLY FANTASTIC. VERY EASY TO CREATE NEW ACCOUNT...CREATED WITHIN 5 MINS, CONGRATS AND THANK YOU FOR YOUR KIND SUPPORT BANK BAZAAR. AM SEARCHING FOR A ZERO BANK BALANCE ACCOUNT AND FINALLY I GOT THAT WITH THE HELP OF BANK BAZAAR. THANK YOU GOOD
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • Bank Bazaar Debit Card
      "Nice Work"
      YES BANK
      0.5 3.0/5 "Satisfactory"
      Nice work you people are doing, really super. Bank Bazaar is very platform in total service Bank Bazaar is a very important process and very fast process in terms of loan& Other services, am waiting for response my application so not to say good or bad this site today time many banker site available internet but not to complete work to good waiting for bankbazaar to respond. its awesome Its very easy to use, It will make you smile its awesome.
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2018
    • Bank Bazaar Debit Card
      "FANTASTIC"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      REALLY FANTASTIC. VERY EASY TO CREATE NEW ACCOUNT...CREATED WITHIN 5 MINS, CONGRATS AND THANK YOU FOR YOUR KIND SUPPORT BANK BAZAAR. AM SEARCHING FOR A ZERO BANK BALANCE ACCOUNT AND FINALLY I GOT THAT WITH THE HELP OF BANK BAZAAR. THANK YOU
      Was this review helpful? 0
      , pondicherry
      Reviewed on May 16, 2018
    • Bank Bazaar Debit Card
      "Thank you "
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Thank you so much because I don't have any bank account so I got good reply Good response from you so thank full you people thank you so much for helping I'm so happy thank you, I'm happy to open my 0 account, Thank you Regarding Divya h naik
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2018
    • Bank Bazaar Debit Card
      "NICE "
      INDUSIND BANK LTD
      0.5 4.5/5 "Excellent!"
      I like it its very fast in creating account thank you bank bazaar. You people are good in creating bank accounts u r doing good job. I am searching for a zero bank balance account and finally I got that with the help of bank bazaar thank u bank bazaar. I will ask my friends and colleges to refer/use this site for their financial requirement.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 13, 2018
    • Bank Bazaar Debit Card
      "Good"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      I like it its very fast in creating account thank you bank bazaar. You people are good in creating bank accounts u r doing good job. I am searching for a zero bank balance account and finally I got that with the help of bank bazaar thank u bank bazaar. I will ask my friends and colleges to refer/use this site for their financial requirement.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 08, 2018
    • Bank Bazaar Debit Card
      "V good and good service"
      INDUSIND BANK LTD
      0.5 4.5/5 "Excellent!"
      Thank bank bazzar Nice work bank and bank bazar Bank bazaar service is very good, it would be good if bank bazaar gives the exact update on the bank partner. I know bank bazaar for more than 6 months time. The customer support service is excellent with the bank bazaar team and they will give immediate response to the customers.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 29, 2018
    • Bank Bazaar Debit Card
      "HELPFUL IN OPENING ACCOUNT"
      YES BANK
      0.5 5.0/5 "Blown Away!"
      ITS AN AWESOME PLATFORM TO OPEN AN SAVING ACCOUNT. I LOVE THIS SITE. THERE CUSTOMER RELATIONS DAMNN GOOD TO CUSTOMER. THEY NEVER BETRAYED CUSTOMERS. IN THE SENSE THAT THEY ARE ALWAYS HELPFUL TO US. ALL THE THINGS ARE GETTING DONE BY THIS SITE. WE DON'T HAVE TO DO NOTHING. FROM THIS SITE U CAN APPLY FOR EDUCATIONS LOAN, CAR LOAN, ETC. AND U CAN APPLY FOR DEBIT CARD WITH NO HECTIC. THIS SITE IS AWESOME. I AM PROUD OF BANK BAZZAR.COM
      Was this review helpful? 0
      , manipal
      Reviewed on Apr 26, 2018
    • Bank Bazaar Debit Card
      " Life Insurance, Health Insurance and Car Insurance etc.You "
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Bank products like Savings Account, Credit Card, Fixed Deposit etcBANK BAZAAR is a good platform for all the financial products .I am not satisfied with the customer service and responses. The process was taking a long time other than that The website is user friendly .The web portals accuracy and speed is very good otherwise I am very much comfortable accessing this site.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2018
    • Bank Bazaar Debit Card
      "Band and bank bazar"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Nice work bank and bank bazar Bank bazaar service is very good, it would be good if bank bazaar gives the exact update on the bank partner. I know bank bazaar for more than 6 months time. The customer support service is excellent with the bank bazaar team and they will give immediate response to the customers.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 16, 2018
    • Bank Bazaar Debit Card
      "Not to say good or bad"
      YES BANK
      0.5 4.5/5 "Excellent!"
      I am waiting for response my application so not to say good or bad this site today time many banker site available internet but not to complete work to good waiting for bankbazaar to respond. its awesome Its very easy to use, It will make you smile its awesome.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 14, 2018
    • Bank Bazaar Debit Card
      "Better for open new savings account and credit card"
      YES BANK
      0.5 4.0/5 "Great!"
      Bank bazzar is very platform in total service Bank bazaar is a very important process and very fast process in terms of loan& Other service, Bank bazaar is a very short process are credit score and process my experience is very help in my life with bank bazaar,,my friend is very interested in this service .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 11, 2018
    • Bank Bazaar Debit Card
      "Awesome appreciate your help with this is a good though."
      YES BANK
      0.5 5.0/5 "Blown Away!"
      Really awesome this is good to see this type of applications really awesome that is the reason, I am happy to apply for this card @ bank bazar. This site bank bazaar is one of my favorite application and it would be great if this is advertised @ all perimeters like all social media app and this would give more results.
      Was this review helpful? 0
      , nellore
      Reviewed on Apr 11, 2018
    • Bank Bazaar Debit Card
      "its awesome "
      YES BANK
      0.5 5.0/5 "Blown Away!"
      Its very easy to use Its make me smile its awesome I want it and when u dont know your credit score so you can visit this site its very usefull ans very easy to use it i love it and again its awesome and now i have my credit score woooowwwwwwiiiiiiiieeeeeee
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 02, 2018
    • Bank Bazaar Debit Card
      "Same family life settlement Bank are currently debit card "
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Personal Bank saving Lifestyle ok ,family savings account life settlement issues etc. but no problem I love bankbaaar live family savings personal account currently no problem AFI general welcome please lifestyle same welcome Bank Bazaar..
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 02, 2018
    • Bank Bazaar Debit Card
      "Bank bazzar is very platform in total service "
      YES BANK
      0.5 5.0/5 "Blown Away!"
      Bank bazaar is a very important process and very fast process in terms of loan& Other service, Bank bazaar is a very short process are credit score and process my experience is very help in my life with bank bazaar,,my friend is very interested in this service .
      Was this review helpful? 0
      , nasik
      Reviewed on Mar 31, 2018
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