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  • Cochin Credit Cards is Rated as "Excellent!" by 138 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

    • 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
    • HDFC Bank Credit Card
      "GOOD SERVICE"
      0.5 3.5/5 "Pretty good"
      My experience with HDFC bank has fine with my expectations,3 to 4 years before I used the product of a credit card and they were not so up to the mark in the offers but had reward points and the credit limit it was kind of OK. Because of my financial crises I have stopped using the card credit limit they had offered is 1 laks Initially they offered 85000 rupees.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 29, 2017
    • HDFC Bank Credit Card
      "average service"
      0.5 2.0/5 "Expected more"
      Service is good ,I am using minimum amount and I will pay on time I don't get any offers from HDFC . I also I feel their payment is high and also they have lot of hidden charges I feel they need to improve some more from their service and the payment has to be reduce in their service.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 29, 2017
    • Citibank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I have a very good impression on CITI bank, I have taken my credit card here before 12 years and till date I have not faced any issues with their services and I would say that they are the best bank in the market. I hold their platinum card and i get rewards points for it. My credit limit is 98,000 which is satisfactory and I have 24/7 helpline number also. My overall credit card experience was good with CITI bank than ICICI.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 25, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken my credit card with ICICI bank 2 years back. I have applied through net banking and It was a easy process. They have offered platinum card and the benefits are just reward points. The credit limit was 45,000 and I have 24/7 helpline number which is satisfactory. My overall experience was good
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 25, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have applied for a credit card with ICICI Bank. They have acknowledged my application immediately and processed it. I Have this card for about 10 years now The services and response from them was swift and they value the customer. They are very much professional too and the limit is 40000 rupees.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 23, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the HDFC bank credit card from the last five years of time . Credit limit value is okay one for me and the response is good one for me like they are calling me keep on updates. Customer service is very good one with the HDFC bank credit card.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 21, 2017
    • Axis Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I use the axis bank credit card for past 6 months, The service is very good with the axis bank credit card department. I am happy with the credit limit. The rate of interest is nominal with this card. The annual fee of Rs.400 I pay for this axis bank credit card.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 19, 2017
    • HDFC Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank. The customer support is better, as I do not have to wait for long on phone to connect with them. It is a life time free card and there are offers like movie tickets through book my show. The credit limit is also satisfactory.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 13, 2017
    • SBI Cards Credit Card
      "Process is smooth"
      0.5 4.0/5 "Great!"
      I recently received the credit card from State Bank of India. I had no joining fees, but there is a minimal annual fee. The services was good, as the process was easy and I got the card on time. There are decent offers and the credit limit is also good.
      Was this review helpful? 0
      , kochi
      Reviewed on Aug 29, 2017
    • ICICI Bank Credit Card
      "Need improvement in services"
      0.5 4.0/5 "Great!"
      As long as I used the credit card at ICICI Bank, the process was good and the bank was good in the offers and in the limit as well. But once the card expired, no one from the bank contacted me to renew it. I supposed to get a card before it is renewed. This is the only poor experience.
      Was this review helpful? 0
      , kochi
      Reviewed on Aug 29, 2017
    • Axis Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I got a life time free credit card from Axis bank. The bank is good in providing credit limit 30k. I am using this card for the past one year but I do receive reward points and cash back offers on my usage. They had given the time limit of 40 days for the payment.
      Was this review helpful? 0
      , kochi
      Reviewed on Aug 02, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Time and again HDFC bank keeps updating me about their ongoing offers. The limit which is offered on my credit card is good, they have offered me 1 lakh now , But initially they have offered 75k and the experience is nice overall. I get intimated as soon as I make a transaction and there has never been any extra charges taken on the bills and the payment track is around 45 days.
      Was this review helpful? 0
      , kochi
      Reviewed on Aug 02, 2017
    • HDFC Bank Credit Card
      "It is good, but can improve"
      0.5 3.0/5 "Satisfactory"
      HDFC credit card is not so user friendly, I am using diners club credit card its accessible only in HDFC machine which is available at certain locations only not everywhere. On the other hand, they usually offer higher credit limit and good reward points for the fuel filling.
      Was this review helpful? 0
      , kochi
      Reviewed on Aug 01, 2017
    • Standard Chartered Bank Credit Card
      "Good to hold"
      0.5 4.5/5 "Excellent!"
      Standard Chartered credit card is very much easy to access, if I am willing to convert the amount into EMI they are giving much offers this can be done through online directly rather than calling the customer service. Credit limit is also satisfactory, infact they gave me an option for the limit enhancement however I denied it. I am pretty much happy with the offers too.
      Was this review helpful? 0
      , kochi
      Reviewed on Aug 01, 2017
    • HDFC Bank Credit Card
      "Transparent in details"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card is up to the mark and I am happy with HDFC Bank. The customer services are prompt and the limit they keep offering is also to my satisfaction. There are various offers and deals online and offline and the bank has never charged me more than they have too
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 04, 2017
    • ICICI Bank Credit Card
      "Average "
      0.5 4.0/5 "Great!"
      Had an experience with ICICI bank platinum coral credit card for past 1 year. I get benefit like reward points, which can be redeemed as the coupons with the book my show offers and with other movie tickets. The fuel surcharge waiver is also available with this card. I was happy about the credit limit. I have closed this card because I got a new card with HDFC bank. I would like to end up saying that I am satisified with their service.
      Was this review helpful? 0
      , kochi
      Reviewed on Jun 08, 2017
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 4.0/5 "Great!"
      This card has the benefits of fuel surcharge waiver, reward points and the cash back offers and the rewards points is not up to the mark, when compared with other banks. The rate of interest is nominal with this card. I am holding this card for past 3 years. I am happy with the credit limit and I am satisfied with their service.
      Was this review helpful? 0
      , kochi
      Reviewed on Jun 08, 2017
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