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    Chandigarh Credit Cards

    Card
    1st Year Fee
    Rewards
    Joining Perks
    499
    Response Time Within 30 minutes
    Paperless approval option available
    0
    Response Time Within 30 minutes
    3000
    Response Time Within 30 minutes
    1000
    Response Time Within 30 minutes
    Instant Decision
    0
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    0
    Response Time Within 30 minutes
    9999
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    499
    Response Time Within 30 minutes
    Paperless approval option available
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    Chandigarh Credit Cards Reviews

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    Chandigarh Credit Cards is Rated as "Excellent!" by 136 Users

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    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
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