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  • Cochin Credit Cards is Rated as "Excellent!" by 149 Users

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    Credit Card BYTES FROM OUR KITCHEN

    Cochin Credit Cards

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

    Looking for a credit card in Kochi? You are at the right place as Bankbazaar is the only 100% neutral finance portal in the online world that can provide you with the best and the most number of credit solutions in the market. We can help you get offers from top card providers in the country and ensure that you get the best buying power in plastic. Our aim is to

    • Enlighten you about your exact card requirements
    • Search out the best options as per your eligibility
    • Enable you to compare card features and benefits correctly
    • Help you choose the right card
    At Bankbazaar you can also get instant e-approval for credit cards.

    Kochi or Cochin is an important port city located on the western coastline of India, along the fringes of the Arabian Sea. It constitutes a part of Keralas Ernakulam district and consequently often termed as Ernakulam too. The pulsating beauty of Kerala infiltrates into Kochi as well and the place is rated amongst the topmost tourist destinations in the whole world. On the same note, it is often informally called the Gateway to Kerala and taken to be the point to begin the exploration of the deep and profound beauty of the state. Like most Indian cities, Kochi too is credited with an illustrious past. But yet still, the source of its name is still an enigma. Some noted historians are of the opinion that Kochi is a made to order form of the Malayalam word 'Cochazhi', meaning the 'small sea'. Some again say that 'Kochi' got its name from the Chinese. The atypical Chinese fishing-nets that are found in the area can perhaps be accredited to the profound Chinese influence that the city experienced in the past. Some other theories also point out that the name

    Kochi is sourced from 'Kaci', a word that means 'harbor'.
    2011 Census records the population of Kochi as 601,574 with a literacy rate of 97.5%. Geographical area of the city constitutes 94.88 km2. Mostly Malayalis live here but there is a cosmopolitan base in the city too consisting of Tamils, Tulus, Gujaratis, Sikhs, Anglo-Indians, Jews and Konkanis. Malayalam is the official language of the area followed by English. Hindi and Tamil are also in use. Some important facts about Kochi are as follows:

    • Kochi is one of the Indian cities that contain the largest volume of Christian population in the nation
    • Kochi ranks at # 1 in the overall number of tourist (both international & domestic) influx in Kerala
    • Kochi has been rated as the 6th topmost tourist spot in India via a survey carried out by the Nielsen Company
    • Kochi has been positioned amongst the top 28 Indian cities that are considered to be a part of the 440 emerging global cities that are estimated to put in 50% of the world GDP within 2025 ( by McKinsey Global Institute)
    • Kochi contributes the maximum portion, i.e. 14.47%, of Keralas GDP.
    • The Kochi Metro is under construction at the moment and supposed to ease out the traffic jamming in the city very soon
    • Kochi houses the Cochin Stock Exchange, which is incidentally the singular stock exchange that exists in Kerala.

    Kochi is supposed to be the next boom town to emerge in India. Its economic base is formed of industries like tourism, ship-building, manufacturing, construction, spice/seafood export, IT, health services and chemical production. The International Pepper Exchange, Kochi Refineries, TELK (electrical industry), TCC, FACT, HOC, IREL (chemical industries) are based in Kochi. The Cochin SEZ and the Info Park of Kochi are also famously known. Important educational institutes like CUSAT, the Indian Maritime University and the Amrita School of Business exist here. Bankbazaar is a trustworthy finance portal in the online world, providing free service to patrons for finding out the best funding and investment solutions in the market. We can help you find a respectable credit card in Cochin and drive home the most beneficial Rewards programs too. We partner with the best financial institutions in the country like HDFC Bank, ICICI Bank, IndusInd Bank, etc. and take special efforts in searching out the best credit solutions for our clients. Fill up our e-form to help us lead you to the most reputable Kochi Credit Card offers. Check your Eligibility Now!

    Get the BankBazaar advantage when looking for credit cards

    • BankBazaar.com can help you get the best options if you are looking for credit cards in the city. We have a strong network of credit card companies and banks we work with so that you dont have to do the leg work of looking for offers available in the market. Here are some of the major credit card companies we work with
      • Axis Bank Credit Cards
      • HDFC Bank Credit Cards
      • CitiBank Credit Cards
      • ICICI Bank Credit Cards
      • IndusInd Bank Credit Cards
    • All you have to do is fill out the form that will establish your eligibility. Once you have done that you will be sent credit card options that you are eligible for. Since they come from the best banks and financial institutions you wont miss out on the offers out there.
    • BankBazaar.com then encourages you to compare these offers based on wide ranging factors like interest rates, finance fees, credit limit, cash advance limit etc. Balance transfer facility is something you might want to look at if you are trying to get rid of your old card. Only when you have compared these offers based on your individual requirements should you make your choice.
    • We then let you make a simple application online and offer you updates along the way so that you know how things are progressing.
    • Your personal information is protected with us and we only send it to your chosen credit card company.
    How to get Kochi Credit Card on BankBazaar.com in 3 simple steps?
    • Fill up the e-form to initiate search for card offers
    • Compare card offers from our partner financial institutions
    • Apply for your credit card right from here
    • Privacy: Your application is sent only to the card provider you choose, and is never shared with anyone else.
    • BankBazaar.com will update you on your credit card application status via email & SMS alerts.
    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 Charges

    • 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 productsSave on fuel spends

    Cochin Credit Cards Reviews

    • Citibank Credit Card
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I have applied for a CITI bank credit card.They have processed immediately with a limit of 50,000 as i am an existing customer of CITI bank they have given a second card basis the relationship.I need not pay an annual fees to hold this card.I do get lot of cash back offers.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with state bank of India.The limit on the card is one lakh. I do get reward points for every transaction and redemption options are good. Net banking is convenient to make card payments.I get an EMI options on the card.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with ICICI bank.They have offered a limit of one lakh. I am happy with the limit Phone banking service is good they immediately respond.Net banking is useful to operate for the payment options.I have limited options for redemptions.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • Citibank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from CITI bank.The limit on the card is 1.50 lakhs.I need not pay an annul fees to hold this card.Phone banking service is good and easy to connect with them.I have taken Indian oil card I get most of the offers for fuel transactions.I get a good earning ratio for this card.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar is the good options for the customers to choose the right product and bank to improve the service as per customers needs.I have been using the website for last three months.Its informative and user friendly. I liked the website so much.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • HDFC Bank Credit Card
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with HDFC bank.The limit on the card is 1.90 lakhs anyways am happy with the limit and planning to increase it near future.Net banking is very comfortable to use and Mobile App is good to make payments.I do get offers and EMI options is applicable in this card.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I would say the bank bazaar service is good and excellent because I have got the prompt response from bank bazaar team. I know bank bazaar for more than a year. I got more than 2 products via bank bazaar . I have the bank bazaar mobile application which is very easy to use and customer friendly.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 02, 2017
    • IndusInd Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      The INDUSIND BANK CHELSEA FC CREDIT CARD has approved and disbursed within 2 weeks of time. The Indus ind bank executives came to my place and collected the required documents on time., I haven't got the credit limit which I was expecting but I got the low credit limit.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 02, 2017
    • HDFC Bank Credit Card
      "Recommend this card to others"
      0.5 5.0/5 "Blown Away!"
      I hold a corporate credit card HDFC BANK. I get offers at the time of my online ticket booking, And have some dinning offers.From fuel stations i get some fuel station reverts. Totally the card is good and the response regarding the card from the executives end is also welcoming.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 07, 2017
    • review Credit Card
      "Customer friendly"
      0.5 4.0/5 "Great!"
      I hold a platinum credit card with State bank of India. In my card i get reward points,then some fuel station reverts. The service charge with them was bit high. The total limit of my card is 60000.They have may offers on online web stores.Annual charge of 499 is applicable with this card.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 07, 2017
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold a privy league credit card with KOTAK MAHINDRA BANK.I am happy with the service of the bank and the card is good to use.I used to get reward points at the time of my shopping or any swipe.They are good enough so that i can recommend with others.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 07, 2017
    • HDFC Bank Credit Card
      "Easy to hold"
      0.5 4.0/5 "Great!"
      I hold a HDFC BANK platinum credit card.The current limit of my card is 30000.I have given the request to increase my limit and it is on process. I am not sure about the annual charge amount but there is some charge with them. The customer service and response was good.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 07, 2017
    • SBI Cards Credit Card
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      I am also happy with the services of State Bank of India. I hold a credit card and I get a 10% cash back on the purchases at Big Bazaar. The credit limit is also good and the transactions on my card is always smooth. There are no charges taken for the card as well.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 06, 2017
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has always been providing me with the offers, just that I have not utilized the same. The credit limit is also good on the credit card and the the best is the loan facility which I can avail instantly. The customer services are good and they are supportive.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 06, 2017
    • SBI Cards Credit Card
      "Good card to hold"
      0.5 5.0/5 "Blown Away!"
      With SBI i have taken a platinum credit card five months back.The current limit of my credit card is 40000.Since i was just started to use the card i am not sure about most of the offers but there is some annual charge and cash backs from shopping.
      Was this review helpful? 0
      , kochi
      Reviewed on Oct 28, 2017
    • Bank Bazaar Credit Card
      "Super fast action has been taken."
      0.5 4.5/5 "Excellent!"
      Nice customer service.... Very nice method to search and apply online banking requirements. After apply got nice call back from customer care service guys for any difficulties or issue while uploading documents. Hope everyone felt same wow experience. Thank you Bank Bazar
      Was this review helpful? 0
      , kochi
      Reviewed on Oct 26, 2017
    • HDFC Bank Credit Card
      "Its fine"
      0.5 4.0/5 "Great!"
      HDFC Bank credit card is fine, I am holding this HDFC Bank credit card for a period of 8 months no drawback . This card is active, I have wonderful cash back and EMI options on this card . I normally get EMI @ ZERO PERCENT INTEREST on a seasonal basis, to top it off this EMI option is applicable for all transactions. Name of the HDFC Bank is money back credit card
      Was this review helpful? 0
      , kochi
      Reviewed on Oct 21, 2017
    • Kotak Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I am very fine with Kotak Mahindra, credit limit which they offered me is good. I am using Kotak Mahindra credit card for past five months. Offers are very low, but its good to hold for basic transaction. Overall service of Kotak Mahindra is satisfactory.
      Was this review helpful? 0
      , kochi
      Reviewed on Oct 04, 2017
    • IndusInd Bank Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      I can say Service is very good from INDUSIND ,representatives was also very good in responding even their customer service is helpful always ,never had any issue with their service till now INDUSIND bank ,so I can say overall service is very good from INDUSIND.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 29, 2017
    • ICICI Bank Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      Service is very good from ICICI ,representatives was also very good in responding even their customer service is helpful always ,I am using for 1 year ,never had any issue with their service till now ,so I can say overall service is very good from ICICI.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 29, 2017
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