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  • Chandigarh Credit Cards is Rated as "Excellent!" by 228 Users
    Credit Card BYTES FROM OUR KITCHEN

    Chandigarh Credit Cards

    Looking for a Credit Card in Chandigarh? Compare various Credit Card offers online at BankBazaar.com for Chandigarh city

    Chandigarh is a Union Territory and has the unique distinction of being the capital of two states; Punjab and Haryana. Its also the first planned city in the country after the Independence and revels in the design of some the most well known architects of the time. There are several major installations and sites in the city that have become a landmark here. Chandigarh is not only considered to be a beautiful city but it was also voted the cleanest city in the country by a recent survey. Not a major tourist attraction on its own, it draws travellers in transit as it falls on the foothills of the Shivalik range of the Himalayas. Besides being the capital of two prosperous states, its proximity to New Delhi makes it one of the most important cities in North India.

    Chandigarh is home to three Governments, who are the biggest employers in the city. But theres a lot more to the city today with IT parks opening new avenues for professionals here. There are many National and International businesses who have set up offices here and that has provided locals with exciting employment opportunities. The population of the city is over 1 million and many of them also work in the small to large scale industries that are thriving in the city. Per capita income of Chandigarh is around Rs. 1 lakh, which makes it the richest city in the country. Its gross state domestic product about a decade ago was estimated at $2.2 billion and RBI has ranked it the twelfth largest deposit centre in the country

    These are just some of the markers of prosperity that Chandigarh is known for. Hence its only natural that the locals are looking to make the most of the opportunities in front of them and lead a good life. You can easily do that do with the help of credit cards that give you much needed financial freedom. You have the option of buying anything you want without having to pay for it outright. The payments can then be made over a certain period of time, according to your convenience. If thats what making you look for Chandigarh Credit Card options then BankBazaar.com can help you make the right choice.

    You have to understand that though everything seems like a cakewalk when it comes to using credit cards, problems arise when you get charged high interest rates if your payments are not made on time. Hence the interest rate is one of the factors you have to consider when choosing between Chandigarh Credit Card options. BankBazaar.com gives you all the information you need regarding credit cards and the crucial criteria that you have to consider before opting for them. We also work with the biggest banks and credit card companies in the country. You can apply for a credit card from ICICI Bank, HDFC Bank, Axis Bank, IndusInd Bank, Citibank or American Express Corporation on our website Bankbazaar.com. Thats why we are confident that we bring you best possible credit card offers online. You can go through them, compare them and make the right choice for yourself.

    Get BankBazaar advantages when looking for credit card offers in Chandigarh
    • We work with top banks and financial institutions in the country on a regular basis. Hence as soon as there is any new credit card offer that might be suitable for your needs we will have it in store for you. You wont miss out on any top credit card offer ever again. Some of the credit cards you can get include:
      • Axis Bank Credit Cards
      • HDFC Bank Credit Cards
      • Apply CitiBank Credit Cards
      • ICICI Bank Credit Cards
    • Of course your eligibility for different offers from credit card companies is important, which is why we make you fill out a simple form. Based on the information provided you will get credit card offers from reputed names in the country.
    • BankBazaar makes your task of choosing between these offers a lot easier for you. All you need to do is compare them based on different factors like interest rates, credit limit, cash withdrawal limit etc. It will help you make up your mind about opting for a card that is more suited to your requirements.
    • Once you have made your decision you can make your credit card application online. BankBazaar.com will give you vital information along the way so that you know exactly whats going on.
    • You wont have to worry about your personal information because its kept safe with us. We ensure that we maintain transparency throughout the process for your convenience.
    FAQs
    1. Who can get a Credit Card?
    2. Anyone with a fixed income, aged above 21 & favourable CIBIL credit score of over 800 can get a credit card.

    3. What will be my credit limit?
    4. The credit limit will depend on various factors like your income, repayment, CIBIL score, etc. Your credit limit can be increased or decreased depending on your last years spending and repayment history

    5. Can I get an Add-on card? And will there be a separate credit limit on the Add-on card?
    6. Yes, you can get an Add-on card but, it will totally depend on the offers the credit card issuer is running at a given point of time. There will not be a separate credit limit for the add-on card.

    7. What should I do if there is a fraud transaction on my credit card?
    8. You should immediately inform your credit card issuer about the fraud transaction.

    9. What should I do if my Credit card is lost or stolen?
    10. If your credit card is lost or stolen inform your credit card issuer within 24 hours and block your card immediately for any fraudulent transactions. Ask your card issuer to send you a new card which generally gets delivered in 3-4 working days.

    11. Which payment network credit cards are available in India?
    12. Basically, Visa, MasterCard and American Express are three popular payment networks available in India. Payment Networks are not credit card issuers your credit card is issued by banks or other financial institutes.

    13. What is a grace period?
    14. A grace period is interest free period for you to pay your credit card balance in full without any interest rate charges. The grace period is calculated based on your billing cycle and not from the date of the transaction.

    15. Will there be any joining fees for credit card?
    16. Most credit card issuers do not charge you any joining fees. Some may charge you but they might reverse those charges in your first credit card statement.

    17. Is there any annual fee associated with credit cards?
    18. Most issuers waive off annual fee for the first year and then charge a minimum amount of Rs. 500 as annual fee.

    19. What is the interest rate/finance charge for credit cards?
    20. The finance charges will wary for each card issuer and type of card like Platinum, Gold, Titanium or any special credit card. Generally credit card interest rates start at 2.5% per month (30% per annum) to 3.75% per month (45% per annum).

    21. Will there be an overdue penalty or late payment fee?
    22. Yes, every card issuer will charge you a late payment fee ranging from Rs 300 to Rs 600.

    23. Will there be a separate charge for foreign currency transactions on my credit card?
    24. Yes, every card issuer will charge you some percentage of the transaction value for the foreign currency transactions. It is generally around 3.5% of the transaction value.

    25. How can I make my credit card payment?
    26. Credit Card issuers provide the following credit card payment options:

      • Through ATMs: Make payments through your card issuing bank ATMs.
      • Through Net banking: Make Card payments using your Net banking.
      • Visa Money Transfer
      • Standing Instructions: If you have bank account with your card issuing bank then you can give standing instructions to directly debit the minimum amount due or full payment due for your monthly credit card payment.
      • National Electronic Funds Transfer (NEFT): Transfer funds from any other bank account to make your card payments.
      • Drop Box Option: You can also drop a local cheque, payable to bank card A/c followed by your card number, at any drop box located in ATMs and branches of your card issuer.
      • Over the counter: You can pay directly by visiting your card issuing bank and make the cash payment for your credit card outstanding.
    Credit Card Eligibility and Documentation
    • Card holder should be in the age bracket of 18 years to 70 years.
    • Should have a fixed monthly income.
    • Should have a good CIBIL credit score.

    Documents required for Credit Card:

    • Pan Card Photocopy OR Form 60
    • Latest Salary Slip, Form 16, Income Tax return copy as income proof
    • Passport, driving license, ration card, etc. for residence proof.
    Features & Benefits of Credit Cards
    • To fulfill dreams which cant wait, apply for credit cards and live your dreams.

    Credit Cards come with great features and benefits:

    • Save on fuel spends
    • Exiting reward programs
    • Comprehensive Insurance coverage
    • Cash back facilities
    • EMI facility on your product purchases
    • Balance Transfer facility
    • Interest Free Period
    • Special discounts on various products
    Check For Latest: Gold Price in Chandigarh Or Silver Price in Chandigarh

    Chandigarh Credit Cards Reviews

    • IndusInd Bank Credit Card
      "Not satisfied with the limit"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with INDUSIND BANK with a limit of 38 thousand. I am not satisfied with the limit. I have received reward points with the card and not yet redeemed, there is no cash back. There is no annual charge with the card.Mobile banking is more comfortable.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 08, 2018
    • SBI Cards Credit Card
      "No annual charge"
      0.5 4.0/5 "Great!"
      I hold a credit card with SBI with a limit of 50 thousand. I am satisfied with the limit. I have received cash back and reward points with the card. There is no annual charge with the card. The customer service and response with the card is good.Mobile banking is more comfortable.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 08, 2018
    • RBL Bank Credit Card
      "Good reward points"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with RBL bank and my limit is 40000 which i am not satisfied with. They provide good reward points. If we withdraw cash from the card there will be no charges. They have to improve on the connectivity of the customer service. Mobile banking is more comfortable.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 08, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of ICICI Bank from the last 10-11 months, i am very happy with the credit card services provided by ICICI bank. They did not charge any annual fee at the time of getting this credit card. I get offers like buy 1 get 1 movie tickets I use net banking for making payments and i have a credit limit of Rs 55000 which is less for this credit card.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 07, 2018
    • Bank Bazaar Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar provides very good services on financial products when compared to all other sources in he market. I know bankbazaar.com from last 5-6 years and my experience was good. Customer service was good and their response was prompt. The mobile application of bankbazaaar ie easy to use and is user friendly.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 07, 2018
    • IndusInd Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      My experience with IndusInd credit card was very good, they gave a credit limit of Rs 1 lakh which is sufficient but i edpected more. The process was quite smooth and i received my credit card within 15-20 days. Customer service was good and they provided door step service to collect the documents. I get offers like reward points in this credit card and i use this card for mutli purpose.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 07, 2018
    • Bank Bazaar Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      This is my first time in approaching Bank bazaar website, customer service is good. Bank bazaar web portal is very user friendly to me. I can see the sufficient information in bank bazaar portal and also I got good offer from bank bazaar so overall bank bazaar is a good platform to all the customers.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 07, 2018
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have Indus ind bank credit card, my credit card get approved within 14 days from the date of applied. I am fine with zero annual charges for the first year but I am not satisfied with my credit limit because i expected more than they offered now. I submission my document in online. I use to get message for my bill amount of credit card. My credit card is not functioning at petrol bunk and shops.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 07, 2018
    • review Credit Card
      "Average service"
      0.5 1.0/5 "Really Bad"
      I have been using a credit card with Sbi ,the service was fine but the customer support needs to improvise. The interest rate and charges was fine with Sbi credit card department. They also provides me with good offers and schemes,it is fine experience with SBI credit card department.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 06, 2018
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The service was very good with Icici credit card department. The offers and schemes are good and the credit limit quoted by Icici was comfortable for me. The customer support is prompt,it is a good experience with Icici credit card department.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 06, 2018
    • HDFC Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The rate of interest was fine with Hdfc credit card department. The customer support was good with Hdfc,the offers and schemes are fine with Hdfc. The credit limit offer by Hdfc is good. It was a fine experience with Hdfc credit card department.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 06, 2018
    • Standard Chartered Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a best experience with Standard chartered credit card department. The customer support was good and the credit limit they quoted me was fine. The rate of interest and charges was nominal with Standard chartered compared to other credit service providers in the market.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 06, 2018
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I apply through Bankbazaar.com website which was easy to use. The customer support was good with Bankbazaar.com. I apply through Bankbazaar.com website which was easy to use and it was been a very long time I came to know about the service of Bankbazaar.com. It was a excellent experience with Bankbazaar.com.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 06, 2018
    • IndusInd Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The service was good with Indusind credit card service,they offer me with credit limit of 50k. The documents procedure was very smooth they collected from my door step. It was totally an awesome experience with Indusind credit card department.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Feb 06, 2018
    • HDFC Bank Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I am having the HDFC bank car loan and the interest rate is around 8% to 9% and the customer service is good too. Response is fine one for me with them. The disbursement got happens within two to three hours of time. I am really happy with them till now.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jan 20, 2018
    • ICICI Bank Credit Card
      "Better"
      0.5 3.0/5 "Satisfactory"
      I had the ICICI bank credit card and I have not used it , then I have too many to use. I would like to say that the credit limit value was pretty lesser one for me with them like it was around 16000 Rupees to 21000 Rupees. I am happy with them till now.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jan 20, 2018
    • Citibank Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I am having the CITI bank credit card and am using it from the last ten years of time. Customer service is fine one for me with them and the credit limit value is around 5 lakh Rupees to 6 lakh Rupees, also I will get lot of no cost Equated Montly Installment's.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jan 20, 2018
    • Bank Bazaar Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I have searched for the financial products specifically and it made me to drop in the Bankbazaar.com. I would like to say that the customer service is fine one with the Bankbazaar.com. I am really happy with the Bankbazaar.com.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jan 20, 2018
    • American Express Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I got the American express credit card and its really working in good way. Documentation procedures went in the smoother way, Its the hassle free experience and I want the credit limit to be get enhanced. Customer service is good one with the American express credit card.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jan 20, 2018
    • American Express Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I hold an AMERICAN EXPRESS credit card with a limit of 2 lakhs. i have used this card for one time. i am not using any application with AMEX. Its just been one month i hgt the card. The customer service and response i got when i contacted the customer care is good.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Dec 25, 2017
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