Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Chandigarh Credit Cards is Rated as "Excellent!" by 202 Users

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    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

    • Punjab National Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      The experience with Punjab National Bank in regards to my Credit has been pretty good. They give you good Credit limit and has good advantage once the repayment are done within the time frame. The Card was disbursed pretty easily without any fuss.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 21, 2017
    • SBI Cards Credit Card
      "Convinient for Shopping"
      0.5 4.0/5 "Great!"
      The overall experience with SBI Platnium is pretty satisfying. The Card is pretty convenient for shopping and all. The repayment option are done using online. The Card has good credit limit too, other than that they have good customer service too.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 21, 2017
    • Bank Bazaar Credit Card
      "Useful website"
      0.5 4.0/5 "Great!"
      I have been using Bankbazaar for the past for 1 Year, and the website has made me look at applying for Credit Card as an easier task. I got a Credit Card using this website, and the communication from them was very good. I was getting offers throughout.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 21, 2017
    • IndusInd Bank Credit Card
      "Easy card"
      0.5 4.0/5 "Great!"
      The overall experience with Indusind Bank in regards to this Credit Card has been pretty good. They processed the card pretty easily and the amount credited to me is also pretty high. The repayment option in this card is also pretty easy to make.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 21, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have been banking with ICICI bank for more than 6 years.The limit on the card is 36,000 is very low ,not happy with the limit given to me.I don't get any offers for shopping online or offline.I pay my card bills through net banking very month.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 20, 2017
    • HDFC Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card with Hdfc bank.The limit on the card is 97,000.I pay an annual fees of Rs 500 to use this card.The service is good be it net banking or phone banking.I don't recommend the bank because i have been using this card since 2011 still did not get any offers for shopping.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 20, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from last 10 years, they did not charge any annual fees at the time of getting this credit card. I get exciting offers like cash back and reward points. The credit card services are also good in this credit card. I use this credit card for shopping purpose and i am fine with the credit limit.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 15, 2017
    • IndusInd Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken credit card from Indusind bank.The limit on the card is 75,000, happy with the limit its sufficient to transact.It has an annual fees to hold this card but i don't remember the amount.Net banking service is good and phone banking service is also good.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 15, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.5/5 "Excellent!"
      I am using SBI credit card from last 1.5 years, the services provided by SBI credit card is good when compared to all other credit cards. This is an annual fee credit card. I use this credit card for general purposes. I get many offers like cash back and reward points on this credit cards. The credit limit is more than enough.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 11, 2017
    • HDFC Bank Credit Card
      "Most used Credit Card"
      0.5 5.0/5 "Blown Away!"
      This is latest Credit Card that I got and felt that I have been using this Card correctly. For whatever purchases I make the payment are done within 50 days, thus charges are not applied and it's been good help for my finances. The repayment option through netbanking has made my life so lot easy.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 11, 2017
    • ICICI Bank Credit Card
      "Decent card"
      0.5 4.0/5 "Great!"
      ICICI Banks Credit Card was quite a handy card that I had. They provided me with a good Credit limit, but then again due to my knowledge about using the Credit Card was not high, I was charged quite a lot of Interest rate. I had to close this card also with a settlement.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 11, 2017
    • SBI Cards Credit Card
      "Charges are more"
      0.5 4.0/5 "Great!"
      I had this State Bank of India's credit few years back and felt that the experience was a little bitter. They gave me a good limit, but due to some circumstances I wasn't able to make the payment in right time. This is when the whole issue started, the charged me a huge penalty and had to close the Card with a settlement.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 11, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I also bank with ICICI Bank for a credit card and the offers on the card is good. There are decent benefits of the EMI features and the credit limit is also decent enough. Overall I have no issues and the statements are always on time without any hidden charges.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 01, 2017
    • American Express Credit Card
      "Customer centric "
      0.5 5.0/5 "Blown Away!"
      I get good reward points in Amex credit card, It can be redeem against the air ticket and also I used to get the air lounge in airports. They do give lot of offers but I wont use this card for normal transaction. However they gave me the credit limit around 1.5 lakh.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India and the offers on the card is fine. The customer services and response is good when I reach out to them for a query. The bills are clear and there are no hidden charges.The credit limit is also to my satisfaction.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • Axis Bank Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I am using the Axis bank credit card from the last two months of time . I am not happy with the services because of the Axis bank customer service, which is really a lacking one, also they need to improve a lot.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      From the last six months of time, I am using Kotak mahindra bank credit card and the response is good one with them, also the customer service is also an excellent one. Online payment services are feasible one for me,.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am having the SBI credit card and am using it from the last two years of time. Customer service is also fine one for me and I have not faced any claims with them . I would like to say that they are not providing the proper services to the customers.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      From the last seven years of time, I had been using this HDFC bank credit card and the customer service is always the best. Response is the best when it comes to HDFC bank credit card services and I am very much happy with the card services......
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • IndusInd Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding the Indusind bank credit card from the last one year of time and the credit limit value is around 1.45 lakh Rupees. Response which was provided by INDUS IND on its credit card is some what okay also I am very much happy with their service.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
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