Santa Claus comes around just once a year. In the meantime, there are Credit Cards.

Credit Card Bill Payment Online

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One of the important aspects to remember while using credit cards is to clear the outstanding dues on time.

When the credit card statement is generated, the bank sends a message with the total outstanding and the payment due date.

After that it's our responsibility to remember the due date and make the payment accordingly. If we don't pay the credit card bill on time, we must pay the late payment fee along with the associated interest. Further, all the new spending we do on the card would accrue interest till the outstanding is cleared.

All this would add up to your actual credit card bill and make it look huge. Therefore, paying your credit card bill on time is imperative to have your credit card spends under control.

Card issuers provide various online and offline channels to make your credit card bill payment with ease and convenience. However, choosing a right channel is important as the processing time varies for each.

Listed below are various online and offline modes to make a credit card payment. Not all the methods are offered by every bank or card issuer. Based on your card provider, you can choose one and plan your payment accordingly.

Methods to Pay Credit Card Payment Online

The Internet has simplified the way we bank. Almost all banks in India have the facility of Internet Banking and some others are taking help of third-party bill payment services to provide online payment channels.

Listed below are various options through which you can pay your credit card bill online.

  • Through internet banking
  • NEFT/RTGS online funds transfer
  • Through BillDesk
  • Auto debit facility
  • Mobile wallets and payment systems

Methods to Pay Credit Card Payment Offline

When you don't have access to the internet, you can use any one of the offline methods to make your credit card payment.

Listed below are various non-internet ways to make your credit card bill payment.

  • By calling customer care
  • By walking in to a bank ATM
  • Over-the-counter payment
  • By drawing a cheque or demand draft

Let's look at each method in detail.

Pay Credit Card Bill Online Using Net Banking

Credit Card payment processing time

Instant (from same bank's savings account)

One of the simplest methods to make credit card bill payment online is to use your net banking account. If you have a savings account with the credit card issuer, your job becomes much easier as you simply need to register your credit card in your existing net banking account and make the payment directly.

Even when you don't have savings account with the card issuer, you can open an internet banking account for your credit card and make payments directly from the online account.

Click the below links to know how to pay credit card bill of major banks using your net banking account.

Pay Credit Card Bill Online Through NEFT

Credit Card payment processing time

Within 1 working day

NEFT funds transfer is another online facility that allows you to make credit card bill payment using any net banking account.

Through NEFT, you can pay credit card bills of a bank using any other bank's internet banking account. The facility allows you to transfer funds from your savings account to the credit card account online.

However, before initiating NEFT funds transfer to your credit card, you need to add your credit card, towards which you're making the payment, as a 'Biller or Beneficiary'.

To add the credit card as a beneficiary, you might need specific details such as credit card number, cardholder name, IFSC code for credit card payments, bank name, branch, address, etc.

Please note that the IFSC code is unique for credit card payments. Please make sure you get the right code before initiating the payment.

Adding a new card would take 30 minutes to 24 hours based on your bank. You need to wait till the card is added and then initiate the NEFT funds transfer.

To know the process for NEFT credit card bill payment of various banks, please follow the links below.

Pay Credit Card Bill Online through BillDesk

BillDesk is an online payment platform which allows you make credit card bill payments without having any online account.

Many banks and credit card issuers use the platform to offer easy and convenient bill payment services for their customers not using the net banking facility.

Through BillDesk, you can pay credit card bills of any bank using a debit card or net banking account of partner banks.

The BillDesk platform of each bank is unique and provides different payment options. You can visit the respective payment page for the list of banks allowed for net banking transactions or debit card transactions.

The screenshot below illustrates HDFC Credit Card BillDesk page along with the list of banks it accepts for bill payment.

hdfc card card bill payment

Pay Credit Card Bill using Mobile wallets and Payment systems

The recent entrants in the industry, mobile wallets and payment systems, started offering credit card bill payment option on their platforms.

Paytm, Mobikwik, PhonePe, BHIM/UPI, etc., are some mobile payment platforms that provide credit card bill payment facility.

No separate registration is required on these platforms to make payments. You just need to download the app, link your debit card or savings account, recharge the wallet, enter your credit card details and make the payment.

This screenshot illustrates the credit card bill payment interface on Paytm.

hdfc card card bill payment

Pay Credit Card Bill Online through Auto Debit Facility

Credit Card payment processing time

On the payment due date

If you have a net banking account for your savings account, you can register for the auto debit facility and can rest assured about your credit card dues.

The auto debit facility allows you to provide standard instructions to your savings or current account-holding bank to debit the credit card bill on the same day every month.

While registering for the facility, you can choose either the minimum amount due or the total amount due.

You can register for the facility through your net banking account or by sending a written request to the bank.

Once registered, the auto debit facility will become effective from the immediate credit card payment due date.

The amount will be credited instantly on the payment due date every month.

Use the following links to know how to register for the auto debit facility of major banks.

Offline Credit Card Bill Payment Methods

Pay Credit Card Bill Offline by Calling Customer Care

Credit Card payment processing time

Instant

Some credit card issuers or banks allow you to pay your credit card bill by calling the respective customer care. However, in order to use the channel, you must have a savings or current account with the card issuer or the bank.

If your bank account and credit card are from the same issuer, you can call the customer care to pay your credit card bill.

In most cases, the IVR would guide you through the payment process without human intervention. Hence, your card details and other information remain secure.

However, not all card issuers would provide the facility. Check with your respective card issuer before making the payment.

Payments made through the customer care are typically instant.

Pay Credit Card Bill Offline Through the ATM

Credit Card payment processing time

Instant

If you have a debit card from your credit card issuer or bank, you can walk-in to the bank's ATM to pay the credit card bill.

Visit any nearest ATM of your credit card issuer with your debit card, insert your debit card into the ATM kiosk, select credit card bill payment option and follow the instructions to make credit card payment.

Usually, the bill payment through ATM is instant as the amount gets transferred from your savings or current account to your credit card account.

Pay Credit Card Bill Offline at the Bank Branch Office

Credit Card payment processing time

1 working day

If your credit card issuer is a bank with a physical office, you can walk in to the nearest branch and make your credit card payment by depositing cash.

Simply walk in to the respective bank branch, fill-in the deposit slip with your credit card details and the bill amount and submit it at the counter.

The payment will be processed within 1 working day.

Over-the-counter payments usually entail a service charge of up to Rs.100 per payment.

Pay Credit Card Bill Offline by Drawing a Cheque/DD

Another offline credit card payment method is to draw a cheque or demand draft (DD) in favour of the credit card account and drop it at any bank branch or ATM drop box.

The cheque or draft should favour the respective credit card account (write the 26-digit credit card number on the cheque) and it should also contain your name and contact number on the reverse side.

If your cheque issuing bank and the card issuer are the same, your cheque will be processed within 3 working days, if they are not the same, it will take 5 working days, outstation cheques will be cleared in 12 - 21 working days.

Hence, make sure to pay your bill in accordance to the cheque clearing timelines so that the payment would reflect on or before the due date.

Benefits of Paying Credit Card Bills Online

  • Saves time and effort: Paying your credit card bill online is quick and easy. It saves a lot of time which you would've otherwise spent on visiting the bank or ATM.
  • Convenience and comfort: Online payments can be done from the comfort of your own home or office. You can also make payments through your mobile or computer from anywhere around the world.
  • Safe and secure: Online Banking is secure with the IPIN or other ways of authenticating your identity. Banks provide safety features that ensures your privacy and identity are protected. It eliminates the risk of losing money or information in the mail or anywhere else.
  • Easy records: When you use online banking facilities, everything is recorded instantly and is available for your review anytime you need. All your information is automatically organised and available at one place. This makes it convenient when you're budgeting and filing taxes.
  • More control: You can choose to pay the minimum due, the full amount or any amount that you desire when you pay your credit card bill online. You can change your choice with each bill.
  • Eco-friendly: Making payments online saves paper, cheques, envelopes, stamps, and receipts. It also eliminates clutter when you receive all your statements and receipts electronically.

Important Tips While Making Online Payments:

  • Check your credit card statement- Before you make any payments towards your credit card bill, check your online statement. Ensure all charges to the card are correct and note the exact amount you need to pay on the payment due date.
  • Processing time - Always check the time it would take for your payment to be processed when you are paying your credit card bills. For payments made through the bank's internet banking facility, the turnover time is usually the same day. So this option can be used to make payments on the due date without the risk of incurring a penalty. Other online methods can take 1 to 5 working days.
  • Provide accurate information-Make sure you are accurate when entering your credit card number, bank account number and other details. Take the time to double-check the information you have provided and make the payment for the right amount.

Credit Card Bill Payment FAQs:

  1. What are the consequences of missing credit card payments?
  2. You should never miss paying at least the minimum amount due on your credit card. If you do miss a payment, a fee will be levied. The bank may also increase your interest rate. If you continue to miss payments after notifications and reminders, this could result in your card being blocked till the payment is made in full.

    Upon continuous default, the bank might list you as a defaulter and report your account details to CIBIL. This might impact your credit score and hamper future credit opportunities. Banks also have the right to impose legal action to recover the dues.

  3. When will I receive my credit card statement?
  4. Each bank sets different credit card billing dates. For example, if the billing date on your credit card is the 20th of every month, the bill will be generated on 20th and sent to you.

    Your statement will be sent via post or email, as per your preference. However, if the outstanding amount is less than the minimum amount or when the total due on the card is nil, you might not receive any statement.

  5. Does it mean my bill is zero if I do not receive a credit card statement?
  6. Not necessarily. If you haven't spent on your credit card, you may not receive a statement for that month. If you recall spending on your credit card or you are not sure, and you do not receive a statement, please call your bank's customer service to ensure that there is no payment to be made.

  7. Which is the fastest method to pay my credit card bill?
  8. The fastest method depends on how long your bank takes to process the payment. Generally, the fastest mode of bill payment is online banking where it is processed instantly.

  9. What is the processing time of credit card cheque payments?
  10. Cheque payments can take up to 7 working days. Outstation cheques may take up to 21 days. Hence, make sure your cheque is deposited ahead of the due date to avoid missing the payment.

News About Credit Card Bill Payment

  • Credit Card Transactions on Mobile Wallets Decline in November’18

    As per the recent date from the RBI, a total of 347.32 million mobile wallet transactions, worth Rs.16,108 crore, were recorded in the month of November against 368.45 million transactions (Rs.18,786 crore) in the previous month. 

    The transaction volume declined by 5.7% month over month while the transaction value was 14% lower. 

    The decline in the transactions is attributed to the shut out of mobile wallet companies due to Aadhaar-based identification to sign-up new customers in those months.  

    Ever since the Supreme Court has given its judgement to use of Aadhaar only for welfare schemes and delivering state subsidies, some wallet companies moved to an offline identification mechanism. This resulted in the rise of authentication costs from Rs.15 per person under e-KYC, to Rs.100-150 per person for a physical KYC. 

    Hence, the mobile wallet companies mentioned the decline in the transactions is due to the restricted on-boarding of customers. Another reason could be the increased popularity of UPI-based wallets, opined the industry experts.  

    Credit card and debit card transactions also declined with their volume going down by around 4% to 1,362.14 million in November from 1,424.97 million in October. On the other hand, the value of the transactions decreased by 5% from Rs.4.04 trillion in October to Rs.3.84 trillion in November.  

    RTGS payments have also seen a drop by around 7.6% to 10.97 million in November from 11.86 million in October.

  • Xiaomi’s new digital payment app allows credit card transactions

    Smartphone manufacturer Xiaomi is ready to provide its digital payment services application and has also launched the Mi Pay app in India. However, at present, the app is available to beta users only. The company has also obtained the required clearance from the National Payments Corporation of India (NPCI).

    For rolling out the Mi Pay application in the country, the company has tied up with PayU payment gateway and ICICI Bank. It would compete with existing payment applications like Google Pay, PayTm, etc. An interesting aspect of the Mi Pay application is that apart from transactions via UPI, it would also allow transactions via debit cards, credit cards, and net banking.  

    For carrying out transactions using the app, users would be able to scan the QR codes. Using this platform, people would be able to pay for their digital and mobile recharge and water and electricity bills. Using the application, users would be able to check their balance, send payment requests to other people, and reset their UPI pins for bank accounts.

  • Credit Card POS machines at all government institutions by 31st December

    By 31st December, this year, all government departments in Kerala as in government educational institutions, hospitals and other organisations will be equipped with card swipe machines to accept credit card debit card payments, as per the orders passed by the state Finance Department.

    Currently, many government offices in the state are accepting other modes of digital payments such as internet banking and payment gateways. But they are not upgraded to accepted credit card and debit card POS payments, payments through BHIM and UPI apps, Bharat QR Code, etc.

    With the new mandate, all the government organisations including government aided colleges, PSUs, government-controlled educational and health institutions will be upgraded to accept credit card and debit card payments.

    Departments accepting utility bill payments should accept payments on Bharat Bill Payment System (BBPS), Bharat QR and other digital modes, said the department. The 31st December deadline is, however, mandated for specific departments including Motor Vehicles Department, Kerala Water Authority (KWA), Kerala State Electricity Board (KSEB), Kerala State Civil Supplies Corporation, Consumer Federation, and the Kerala State Road Transport. These organisations will make provision for both card payments and digital payments.

  • Credit Card POS machines at all government institutions by 31st December

    By 31st December, this year, all government departments in Kerala as in government educational institutions, hospitals and other organisations will be equipped with card swipe machines to accept credit card debit card payments, as per the orders passed by the state Finance Department.

    Currently, many government offices in the state are accepting other modes of digital payments such as internet banking and payment gateways. But they are not upgraded to accepted credit card and debit card POS payments, payments through BHIM and UPI apps, Bharat QR Code, etc.

    With the new mandate, all the government organisations including government aided colleges, PSUs, government-controlled educational and health institutions will be upgraded to accept credit card and debit card payments.

    Departments accepting utility bill payments should accept payments on Bharat Bill Payment System (BBPS), Bharat QR and other digital modes, said the department. The 31st December deadline is, however, mandated for specific departments including Motor Vehicles Department, Kerala Water Authority (KWA), Kerala State Electricity Board (KSEB), Kerala State Civil Supplies Corporation, Consumer Federation, and the Kerala State Road Transport. These organisations will make provision for both card payments and digital payments.

  • Mobikwik Comes Up With Credit Card Payment Options For All Visa Users

    Popular digital wallet and payment service Mobikwik has announced the launch of credit card payment services on the app.

    However, this service is only available for Visa card holders and is applicable to all of customers, irrespective of the issuing bank. Mobikwik came up with this new option to offer a much better service to over 107 million of its users.

    According to sources close to the business, the app is looking to extend to service to other credit card holders as well and is working towards achieving that end.

  • You Can Now Make Secure Payments As Walmart India Activates UPI on Its Online Platform

    Walmart India is a wholly-owned subsidiary of Walmart Inc. The leading e-commerce company recently activated Unified Payments Interface (UPI) for all its registered members. Walmart stated that this new initiative will enable members, especially kiranas/resellers, who shop online at Walmart India's B2B e-commerce site www.bestprice.in, to make direct and secured payments online from their bank account without sharing bank details.

    Walmart further stated that, this will help greatly help kirana members who neither hold any credit/debit card nor have the time to visit banks for making RTGS payments.

    The company's Chief Corporate Affairs Officer Rajneesh Kumar said, "This initiative reiterates our commitment to enable small businesses, especially kiranas, prosper. This payment solution will help our members spend more time with their customers and serve them better as they do not have to step out of their stores to visit banks for making payments."

  • Soon You Could Use Your Thumb To Make Payments At Fuel Stations

    According to the Dainik Jagran Report, Indian Oil Corporation has joined hands with IDFC Bank and Oxigen Micro Agency to launch a facility that will allow commoners to use their thumb impression to make payments at fuel stations. Recently, Indian Oil Corporation had already installed two Micro ATM machines in Bhopal and plans to extend this facility across India.

    Oxigen Micro ATMs is a PoS machine that allows the fuel station owners to accept payments through various channels apart from cash. One can use this machine to make a payment using their debit card, credit card, Aadhaar Pay facility, or UPI.

    The leading fuel giant is also planning on setting up self-service fuel pumps where motorists can fill fuel themselves and pay by using their thumb impression.

  • Now, Make On-the-go Credit Card Payments On Mobikwik

    The mobile app-based payments platform MobiKwik has introduced a new type of payment service for credit cards in an effort to provide a better user experience to its user base.

    Those who use credit cards need not have to go to the bank website or the credit card website in order to make a payment towards their credit card. All one needs to do is to use the app and make payments on-the-go.

    This new facility can be used on all bank Visa credit cards and will be available on all Android phones. The main objective behind this is to convert the credit card spend market and expand on their business opportunity.

    At present, the total spends made through credit cards adds up to around 33 million, which works out to be around Rs.45,000 crore each month.

  • Now, Make On-the-go Credit Card Payments On Mobikwik

    The mobile app-based payments platform MobiKwik has introduced a new type of payment service for credit cards in an effort to provide a better user experience to its user base.

    Those who use credit cards need not have to go to the bank website or the credit card website in order to make a payment towards their credit card. All one needs to do is to use the app and make payments on-the-go.

    This new facility can be used on all bank Visa credit cards and will be available on all Android phones. The main objective behind this is to convert the credit card spend market and expand on their business opportunity.

    At present, the total spends made through credit cards adds up to around 33 million, which works out to be around Rs.45,000 crore each month.

  • Now, Make On-the-go Credit Card Payments On Mobikwik

    The mobile app-based payments platform MobiKwik has introduced a new type of payment service for credit cards in an effort to provide a better user experience to its user base.

    Those who use credit cards need not have to go to the bank website or the credit card website in order to make a payment towards their credit card. All one needs to do is to use the app and make payments on-the-go.

    This new facility can be used on all bank Visa credit cards and will be available on all Android phones. The main objective behind this is to convert the credit card spend market and expand on their business opportunity.

    At present, the total spends made through credit cards adds up to around 33 million, which works out to be around Rs.45,000 crore each month.

Other Bank Credit Card Bill Payment

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Credit Card Bill Payment Reviews

Page 1 of 50 1 2 3 4 5
  • SBI Cards Credit Card
    "Need to improve in customer service"
    SBI CARDS
    0.5 4.0/5 "Great!"
    I am using SBI credit card almost one year. The credit limit was not sufficient which needs to be improved. There is an annual fee of Rs.500 per year that also subject to the limit. Auto debit from my account for card bill payment. I have activated the card and the transactions are smooth. The late fee of interest is very high.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 27, 2020
  • IndusInd Bank
    IndusInd Bank Credit Card
    "Need to decrease the rate of interest"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I have applied Indusind credit card which was applied through online. The rate of interest was very high 3.85% compare to market and this is a life time free card. Documentation was simple, executive collected and also i done with whatsapp. I am not getting any offers in this card. When i need to pay the payment i need to go chrome ever time, need to change that.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 27, 2020
  • SBI Cards Credit Card
    "Good Service"
    SBI CARDS
    0.5 4.5/5 "Excellent!"
    I have SBI credit card which was taken through online.I am using this credit card for the past 1 month only.The credit limit was really good and this was a chargeable card ,App is very average and no grace time for credit card bill payment .If the premium on delay basis there are extra charges.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 25, 2020
  • ICICI Bank Credit Card
    "Good and User Friendly"
    ICICI BANK
    0.5 4.0/5 "Great!"
    I am using ICICI Bank credit card which was taken through Bank.I am not using this card it was given to my relative .The credit limit was sufficient and this was a chargeable card need to pay Rs.499.There are airport lounge access and movie ticket offers on this card.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 25, 2020
  • Canara Bank Credit Card
    "Need to improve the services"
    CANARA BANK
    0.5 2.0/5 "Expected more"
    I hold salary account with Canara Bank, so they offered me with credit card. There is no option on minimum balance. I need to pay the completed amount, what i spend last month. I will close this card as I am not getting any benefits. I need to pay the amount with in 20 days from bill generation, if not they will be auto debit or block the amount in my account.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 25, 2020
  • IndusInd Bank Credit Card
    "Satisfactory"
    INDUSIND BANK LTD
    0.5 4.0/5 "Great!"
    I am using Indusind Bank credit which was availed through online. One drawback is I am unable to convert into EMI option by using this app. The credit limit is good and for the past 2 months I am using this card. There is no grace time for credit card bill payment. If I pay the bill payment it will be updated immediately. I get cash back and reward points benefits but not yet used.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 25, 2020
  • HDFC Bank Credit Card
    "Not upto the expectation"
    HDFC BANK
    0.5 3.0/5 "Satisfactory"
    I'm using HDFC credit card for a long back and they are not supporting the people much because I'm not getting any offer from this card. I'm using the Regalia card and i need to pay the annual fee of Rs. 499 which will not waived off. I don't use this card much.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 25, 2020
  • IndusInd Bank Credit Card
    "Good to go"
    INDUSIND BANK LTD
    0.5 4.5/5 "Excellent!"
    Indusind bank credit card can be used everywhere and I'm quite satisfied with the credit limit provided to me. I'm not getting any single offers till now whether through mail or messages. I need to pay the annual fee of Rs. 500 but there is no joining fee. I got the credit card on time. I'm comfortable with the bill cycle and due date. If they are giving more offer for the customer, it will be fine.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 25, 2020
  • Kotak Credit Card
    "Good Card"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    Kotak Mahindra bank has a annual charges of Rs. 250. Already I have an account with this bank and the service is good hence i can manage all the account its easy do the payment also so that i bought the card. Its a PVR Gold credit card. I'm getting a benefits on shopping, movie ticket and also travel benefits.
    Was this review helpful? 1
    , pune
    Reviewed on Jan 25, 2020
  • Citibank Credit Card
    "Quite Good Card"
    CITIBANK
    0.5 5.0/5 "Blown Away!"
    I'm getting the best benefits and there is an online method to make the payment for CITI bank credit card. I have done quite number of transaction and it was smooth. I'm having the cash back card and its almost 1 month to take this card. I'm quite satisfied with the limit given to me. There is a annual fee of Rs. 250.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 25, 2020
  • Standard Chartered Bank Credit Card
    "Good Card"
    STANDARD CHARTERED BANK
    0.5 5.0/5 "Blown Away!"
    Purchased my Standard Chartered bank credit card around 8 years back. Sales executive approached me to take this card so i bought it. I got the limit of Rs. 40000 earlier my limit was only Rs. 20000 after completion of 5 years, they have increased upto Rs. 40000. I'm not paying any annual fee for this credit card. I do pay my bill through NEFT Transaction.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 25, 2020
  • SBI Cards Credit Card
    "Very Good Card"
    SBI CARDS
    0.5 5.0/5 "Blown Away!"
    In SBI card, they take annual fee which is Rs. 499 and it will not waived off. I'm holding the Simply save card. I'm getting the shopping benefits and they give 50 days of time to make the payment. I'm holding this card for around 2 years. I'm using the SBI app and its good to use. SBI bill statement is clear to understand.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 25, 2020
  • SBI Cards Credit Card
    "Service is good"
    SBI CARDS
    0.5 5.0/5 "Blown Away!"
    My SBI credit card feature is really good and they are sending the reminder to make the payment through mails and messages. Their customer care people are responsive. I'm not getting any offers. Purchased my SBI credit card 1 year back and its a simply save card but i have tried their balance transfer facility and there is no charges for that.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 24, 2020
  • ICICI Bank Credit Card
    "Not good service"
    ICICI BANK
    0.5 1.0/5 "Really Bad"
    ICICI customer service is not providing proper response to their customer. Even though the mistake is done from bank end, customer need to bare that. I have an option of auto debit account hence they use to take amount from my account for card bill payment. But my credit card amount is not deducted from my account so i got the interest rate and late fee charges on my ICICI card even though i have explained the situation, they have not accepted the same. I'm using this card for more than 13 years, still they have not enhanced my limit.
    Was this review helpful? 1
    , coimbatore
    Reviewed on Jan 24, 2020
  • American Express Credit Card
    "Good Card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    Using my Amex card for almost 1 year. I'm getting the reward points and by using that i can make my bill payment. Initially, they have given me a limit of Rs. 1 lakh and within 6 months they have increased upto Rs. 1.50 lakh now my limit on the card is 2.5 lakh. I'm having the issue in using the card in all the places because in most of the merchants, they are not accepting this card.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jan 24, 2020
  • IndusInd Bank Credit Card
    "Need EMI conversion"
    INDUSIND BANK LTD
    0.5 4.5/5 "Excellent!"
    I am using INDUSIND Bank credit card, the rate of interest is high and also there is no option for EMI conversion. In app I cant able to convert anything even if I do also it reflects after 2 days. Each and every thing I need to call customer service. Application which I am using this bank is not good. Normally if we make the payment it is reflecting after 2 days. The documentation process was fine, uploaded through online and also this is a life time free card.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 24, 2020
  • RBL Bank Credit Card
    "Normal Card"
    RATNAKAR BANK
    0.5 4.0/5 "Great!"
    I have bought RBL credit card through BAJAJ Finance I have received this card. It is not that much beneficial. I'm getting reward points based on my usage. My credit limit is not enhanced till now. Even though I have transferred the money to RBL account for bill payment, the transaction is getting failed.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 24, 2020
  • SBI Cards Credit Card
    "Good for customer"
    SBI CARDS
    0.5 5.0/5 "Blown Away!"
    SBI has given the benefits of EMI conversion for my purchase. On every transaction, they will send OTP and they will confirm with the customer whether right person is doing a transaction or not. EMI conversion charges are quite normal. Through net banking, I use to make the payment. I am using Elite card .
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 24, 2020
  • ICICI Bank Credit Card
    "Best card for movie"
    ICICI BANK
    0.5 4.0/5 "Great!"
    I am using ICICI Coral credit card which was applied through bank and i am using this card more than 8 months . Annual charges for this card is Rs. 500 if i spend Rs.1.50L in a year no need to pay . Customer service was not so good which is okay and also I am getting movie offer.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 24, 2020
  • SBI Cards Credit Card
    "Best for online shopping"
    SBI CARDS
    0.5 4.0/5 "Great!"
    I am using SBI credit card and the documentation was simple executive collected from my door step and i received this card almost 1 month. I am not happy with the credit card, and the annual charges is Rs. 500 if i spend Rs. 1.50L within a year no need to pay the charges and service was good.
    Was this review helpful? 1
    , kolkata
    Reviewed on Jan 24, 2020
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