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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 28 1 2 3 4 5
    • Bank Bazaar Debit Card
      "i cant belive its that fantasic"
      INDUSIND BANK LTD
      0.5 4.0/5 "Great!"
      Amazing bank account, it was providing an amazing opportunity these online process required is the highest and the best. Bankbazaar gives free and fast response to each and every one of us. Thanking you again for doing a fantastic job and keep it up boys for giving such an opportunity.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • Bank Bazaar Debit Card
      "Super fast service "
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Was very fast and easily processed, the process was very good and interesting with bankbazaar.com . Provide loans and other option which is there in the market, gives us additional knowledge about financial products, never asked unimportant questions, procedure is quick, the site is easily accessible.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • Bank Bazaar Debit Card
      "Eassy bank to our door steps"
      INDUSIND BANK LTD
      0.5 4.5/5 "Excellent!"
      Bankazaar is a very nice app, and no problem with respect to any product, we can quickly get reply on loan or credit card or any other product. Thank you bank bazaar and to the entire team of bankbazaar.com This app has all the information about saving account, also Health insurance etc. Thank you so much bankbazaar & team
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 12, 2018
    • Bank Bazaar Debit Card
      "Savings Account "
      INDUSIND BANK LTD
      0.5 3.5/5 "Pretty good"
      Good response .. It is very easy to open a zero balance savings account.. Very useful.. We can get immediate response and status of the bank related queries what ever we want.. Really fantastic... Try this then only u can feel the use of it.. .But need more updates.. Thank you
      Was this review helpful? 0
      , salem
      Reviewed on Jan 09, 2018
    • Bank Bazaar Debit Card
      "Nice"
      INDUSIND BANK LTD
      0.5 4.5/5 "Excellent!"
      Service is very good also it is very easy to open the account through online..... I feel very happy this was the first time i have finished all the terms and conditions very easily its all because of your service... Thank you for your response bank bazaar.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 09, 2018
    • Bank Bazaar Debit Card
      "Best"
      INDUSIND BANK LTD
      0.5 4.5/5 "Excellent!"
      Bankazaar is a very nice app, and no problem with respect to any product, we can quickly get reply on loan or credit card or any other product. Thank you bank bazaar and to the entire team of bankbazaar.com This app has all the information about saving account, also Health insurance etc. Thank you so much bankbazaar & team.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 07, 2018
    • Bank Bazaar Debit Card
      "Debit card a"
      YES BANK
      0.5 5.0/5 "Blown Away!"
      Very nice and easy to access. Many people are not aware of importance of Debit card. Only bank could mold good citizens so banks are our second parents. It is a wonderful service provided by all the educated people. All the very best thanking you.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 06, 2018
    • Kotak Debit Card
      "Good"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I am using domestic debit card of Kotak Mahindra Bank. The daily withdrawal limit was 25,000 rupees which was satisfactory. I am using this debit card for the last six months. There is no charge for other ATM swipe. ATM facilities are good and enough.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 04, 2018
    • Bank Bazaar Debit Card
      "Bankbazaar.com is the best"
      INDUSIND BANK LTD
      0.5 4.5/5 "Excellent!"
      Banking has become very easy with the help of bankbazaar. Please re-visit bankbazaar website and create a new account and enjoy yourself. Here all the details are avaliable in one go. Please re-visit bankbazaar to find solution for your financial needs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 01, 2018
    • Bank Bazaar Debit Card
      "Hai, thanks for opening the account it's very useful"
      YES BANK
      0.5 4.0/5 "Great!"
      I am very great full of this account and I am happy.. And I will use properly the account and we will use this account and I will maintain this account for the entire life time thank you so much bankbazaar. It's a great moment of my life style clothes again thank you .
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 27, 2017
    • Bank Bazaar Debit Card
      "Good"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Bankbazaar.com is the best one... Most people are very good and they perform very well....they are well and good... they respond very well and the reviews are very important. I have taken a personal loan and they get on to business quickly. Thanks you sir..
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 26, 2017
    • Bank Bazaar Debit Card
      "bankbazar is great"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      If i will get a bank account then i will glad and it would be more helpful too...That's possible only for bankbazaar.com So i would want to recommend this site to all the people who faced any type of banking problem....bankbazaar.com is the only solution for any type of banking problem.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 24, 2017
    • Bank Bazaar Debit Card
      "Bankbazaar "
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Banbazaar is nice app, we can quickly reply on loan or credit card or any more . Thank you bank bazaar and all the entire team of bankbazaar .com This app has all the information about saving account, also Health insurance is also there. Thank you to all
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 23, 2017
    • Bank Bazaar Debit Card
      "Easy way netbanking"
      YES BANK
      0.5 5.0/5 "Blown Away!"
      Minimum amount is what required, easy to fill all the form good quality of colour good, quality of CSS style,sheet good view great font selection. Nice website thank you again employed and not employed people can open his or her account by using an Internet connection.
      Was this review helpful? 2
      , mumbai
      Reviewed on Dec 18, 2017
    • Bank Bazaar Debit Card
      "Very good service for bank bazaar. Com all service for cred"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Very good service provided by bankbazaar.com. Esa credit card credit score all service I tell only this is the best service provider company and I will tell this is only One company where we can get fast credit score option. I am really thankful to bankbazaar.com.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 15, 2017
    • Bank Bazaar Debit Card
      "Bankbazaar is the world's best website"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Bankbazaar.com is providing a very good response . Also bulk details are provided by bankbazaar.com. It is simply Amazing. I'm very happy with you people.. Please maintaining this s tragedy for ever and ever. Thanks a lot and all the very best. , 2017
      Was this review helpful? 2
      , kolkata
      Reviewed on Dec 12, 2017
    • Bank Bazaar Debit Card
      "nice"
      INDUSIND BANK LTD
      0.5 4.5/5 "Excellent!"
      Bankbazaar.com is providing a very good response . Also bulk details are provided by bankbazaar.com. It is simply Amazing. I'm very happy with you people.. Please maintaining this stragedy for ever and ever. Thanks a lot and all the very best.
      Was this review helpful? 2
      , ludhiana
      Reviewed on Dec 12, 2017
    • Bank Bazaar Debit Card
      "Service"
      YES BANK
      0.5 4.0/5 "Great!"
      Its good for online customer.those who are busy with the work schedule, but sometime app is not working properly so I request you please update the app on time to time so customer get better service in future also get update rest is ok and good for all of us thanks.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 11, 2017
    • Bank Bazaar Debit Card
      "Good"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Bankbazaar.com is providing a very good response . Also bulk details are provided by bankbazaar.com. It is simply Amazing. I'm very happy with you people.. Please maintaining this stragedy for ever and ever. Thanks a lot and all the very best.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 06, 2017
    • Bank Bazaar Debit Card
      "Thank you very much. I like bankbazaar, very helpful"
      INDUSIND BANK LTD
      0.5 5.0/5 "Blown Away!"
      Hi thanks to bankbazaar. Very very easy. Very Easy to find the credit score. My experience with bankbazaar.com is very good. Bankbazaar.com is very much easy to access. I like bankbazaar. This bankbazaar.com is a very good service provider. I like this experience very much and I would say it is a very good service provider.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 02, 2017
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