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

    • IndusInd Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am having Indus Ind credit card for the past 1 year. The benefits like rewards points cash back offers and online offers are available with this card. I am happy with the credit limit. The interest rate is nominal with this card. The best the thing is free movie ticket reward points, and the low interest rate on cash transactions. I am happy to use this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • Standard Chartered Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I hold a credit card with Standard Chartered bank and the offers are good. I earn reward points but I am unable to redeem the points. The credit limit is of 32k, but I am needing a better limit on the card. The customer services and response is good and satisfactory.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using Diner club credit card, whenever I go for any tie up restaurant with the HDFC they are providing some cash back and also I get some reward points. I am happy with credit card service of HDFC. Bill are very transparent and clear about the transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have never used this ICICI CORAL credit card properly . I hold this ICICI coral card for past 3 years. When I was using this card I got the reward points, cash back offer and the payback card which is attached with this card. For every transaction I will be some loyalty points which is added to the payback card. I am happy about the credit limit. I am satisfied using this card .
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The HDFC bank All miles credit card carries benefits like reward points and cash back offers. The reward points can be redeemed as air tickets, which is very good offer. I am happy about the credit limit. The rate of interest is nominal with this card. I am satisfied using this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Extremely good in the services"
      0.5 5.0/5 "Blown Away!"
      After seeing my transactions in my account, HDFC Bank offered me a credit card with a credit limit of 60K. They have also told me to use the card for the next three to four months and the bank would increase the limit. Even if they do not do it, I would not mind because I am extremely happy with the clarity they provide in the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I have got a SBI platinum card last month and I have made a purchase of a mobile phone. The service with SBI credit card is really good. The rate of interest is nominal with this card. I am happy about the credit limit. The customer service and the response with SBI is good. I am happy to use this S BI platinum credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a Money back credit card with HDFC bank for past 6 months. I get benefits like reward point, cash back offers and Online purchasing offers with this card. I am getting the notifications about the special offers with this card. The rate of interest is nominal with this card. I am happy about the credit limit and satisfied using money back card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • RBL Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding this RBL card for almost a year. If I spend more than 5k per month on this card I would be getting rs 500 voucher which can be redeemed as a movie ticket on book my show. This card has an annual fee of rs 500. Happy about the credit limit also I always prefer to pay my credit card bills through NEFT. I am very much satisfied using this RBL card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      SBI simply click card has got reward points scheme, online offers and I getting a better discounts on online purchases too. Also fuel surcharge waiver is applicable on this card but I have not used it though. I am very much happy with the credit limit which was offered on this card. The turn around time taken to pay my credit card bill was around 45 days. I can also make the payment through SBI online portal. Annual fee on this card is rs 500.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Good service"
      0.5 5.0/5 "Blown Away!"
      It is very nice place to get credit cards . We get early feed backs . It will be good if we get more cards from different banks . Helps in loans . It's almost a like a bank . You can apply from wherever you stay . No need to stand in que. This is very good application
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Charges should be reduced"
      0.5 2.0/5 "Expected more"
      Three years back I had taken car loan from HDFC, they have charged 5% of interest for the foreclosure, I had taken the car loan of Rs. 3.60 lakhs for the tenure of five years. I have done a foreclosure between the tenure period, I am not happy with their charges and it was really high.
      Was this review helpful? 0
      , srinagar
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Clear process"
      0.5 4.0/5 "Great!"
      HDFC Bank has been good on the credit card services and the offers are good and satisfactory. The credit limit is also good and the bills are sent on time and I do not have to recheck the statements they send me. No hassles overall and I am happy to use them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Need improvement in services"
      0.5 3.0/5 "Satisfactory"
      HDFC Bank is not doing well in terms of credit card. They do not value their customers. I am banking for this card for the last nine years and the credit limit is very less and the customer services are also not good, also they are not consistent in the process.
      Was this review helpful? 0
      , madurai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The credit card experience with HDFC bank is not good. Probably next year l might stop using this card because they also don't provide any offers and the credit limit they have offered is 50000 rupees and this is a life time free credit card holding this card for more than 5 years now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Frankly speaking , I am not happy with the level of service offered on my ICICI Bank credit card. I do not get proper services when I contact the bank. No proper offers nothing. The credit limit they have provided is 40000 rupees and 200 rupees is annual charge and this card is 3 years old.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Most promising feature of ICICI Bank credit card is, I am using ICICI coral credit card it is really good for entertainment, every month I am getting two movie tickets from them. Earlier I had Rubyx credit card there annual charges was more. Hence I migrated to coral visa card its good. I am fine with that too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and when I did not get my personal loan through, I called up the customer care and I got the loan on the card. It was a very quick process and hassle free too. There are other benefits and offers on the card and no inconvenience faced.
      Was this review helpful? 0
      , porbandar
      Reviewed on Jun 23, 2017
    • Kotak Credit Card
      "They should transparent in their service"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra always takes some unwanted charges for the credit card and they wont give clear information about the charges. They offered me credit limit of Rs.30,000 its very low. I am using it for one year. So far I haven't get any credit card offers, they should work on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Nice Credit card"
      0.5 5.0/5 "Blown Away!"
      HDFC gave me good cash back offers, I got upto Rs.2000 based on the product which I purchased. I have been using it for two years its good, they offered credit limit of Rs.75,000. I always make the total amount so I not aware of interest rate. Overall I am happy with their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
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    Best credit cards in India for shopping is Rated as "Excellent!" by 35784 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Owing to the ever growing popularity, the world of credit cards has seen a huge diversification in terms of availability of category based cards. These categories are aimed at fulfilling specific requirements of various types of users on the basis of their lifestyle needs. The utility factor also plays a substantial role in segmenting the cards offered. Some of the most common categories of credit cards available in India are as below.

    • Rewards
    • Premium
    • Airline
    • Lifestyle
    • Fuel
    • Cashback
    • Shopping

    Each one of these categories offer exclusive benefits and rewards by way of multiple tie ups with various brands and merchants. In the category of shopping based cards, leading banks and issuers in India offer a plethora of cards to suit the requirements of the discerning user. The section below provides information pertaining to top credit cards in this segment.

    1. Citibank Rewards Card

      A rewards rich card which offers enhanced rewards points coupled with attractive offers and tailor made shopping deals. The never expiring rewards points can be accumulated and exchanged for a host of goodies, deals and cash back. Some of the benefits of this card have been provided below.

      For every Rs.125 spent at 50 plus partner stores, cardmembers can earn 10 points into their account. For all other purchases of the same value, 1 point is credited.

      The cardmember can be eligible to earn bonus points upon activation. Accumulated points can be redeemed in over 700 plus outlets.

      The annual fee remains waived if the combined annual spends exceed Rs.30,000.

      Additional bonus of 1,000 points is awarded if the total spends exceed Rs.1 lakh in a quarter.

    2. American Express MakeMyTrip Credit Card

      A premium card offered to you by American Express in partnership with MakeMyTrip and Payback to offer you some of the most pleasing benefits and rewards when you shop. It comes at a fee of just Rs.1,500 per annum. Primary benefits of the card have been detailed below.

      The card member earns one cashback point for every Rs.100 spent on regular transactions using this card. For flight tickets or hotel accommodation booked on MakeMyTrip.com, two points are credited to the account.

      All bookings and reservations made on MMT will fetch you a rebate of 5% on the bill value.

      In addition, the cardmember is also eligible for gift voucher from MMT worth Rs.2,000 if the total spends is Rs.1.25 lacs and above/voucher worth Rs.5,000 if the spends exceed Rs.2.5 lacs in an year.

      The coupons can also be used to avail a host of travel related charges online such as flights, hotel accommodation and other bookings.

    3. HDFC Bank Snapdeal Credit Card

      A co-branded credit card which offers rewards points, cash back and other attractive benefits when you shop on Snapdeal. As a privileged cardmember, you get access to deals from top brands, surcharge waiver and 3X rewards points. Detailed benefits of this card has been provided below.

      For every Rs.150 spent on Snapdeal.com with this card, you earn 6 rewards points which is 3x times the regular points.

      In addition, cardmembers can also get customized offers from Cleartrip, Ola and other leading online brands.

      If the total spends during an year exceeds Rs.1,50,000, the annual fee is waived off.

      The cardmember also gets 500 bonus rewards points as a welcome benefit upon signing up for the card.

    4. HSBC Platinum Visa Card

      This card offers attractive cash back to cardmembers and comes with a host of dining and shopping privileges along with potential to earn rewards points for various types of transactions.

      The most appealing part of this card is that it does not come with annual or joining fee.

      One can get a cashback of up to 10% on select types of purchases at select partner stores.

      Shopping or purchase in specific categories such as hotels and dining can earn 3X rewards points.

      Under the HSBC Dining Privileges program, you can look forward to up to 20% discount on the bill value when you dine at partner restaurants.

      Cardmembers who use their card to refuel frequently can look forward to a waiver of the surcharge billed.

    5. SBI Simply Save Card

      A premium offering in the shopping category from SBI with a top notch rewards program in the offering. The benefits of this credit card have been provided in the section below.

      For spends in the categories of dining, movies, grocery and departmental stores, you earn 10X rewards points.

      Accumulated points can be redeemed against items from the rewards catalogue and can also be used to offset against the balance outstanding.

      If the total spends within the first two months of activating the card is Rs.2,000 and above, you get an additional 2000 cash points.

      Total spends of at least Rs.75,000 during an year will be rewarded with annual membership fee waiver.

    How to use Credit Card for Online Shopping

    E-commerce is a booming market at present, from clothes to groceries to electronics, you name it and you can buy it online. Online purchases usually require you to use your credit card or debit card for making payments. Although it is not a complicated procedure, it is better to have an idea before you proceed. Also, be aware of the credit limit on your card, before going on a spree. The following steps are involved while shopping online using your credit card:

    Step 1: Selecting Items for Purchase:

    When you want to shop for something online, you first choose the website you want to shop from. It then requires you to select the items you decide to purchase. In this step, you can place your items in a virtual cart or bag. Most websites, usually allow you to click on a tab labelled ‘Add to Cart’ or ‘Add to Bag’ against each item that you pick. When you are done selecting all items, you can move to the checkout page of the website.

    Step 2: Entering Shipping Information:

    The checkout page prompts you to enter details such as shipping address, your contact number, billing address and others. This page also gives you the total bill amount generated by adding all items on your cart. Sometimes your billing address, where you receive your credit card statement may be different from the address where you want your items to be shipped to. Be careful while making this selection.

    Step 3: Choosing Payment Method:

    The payment page will allow you to select the type of card you wish to make the payment with. The options provided to you are usually – MasterCard, VISA, American Express or Discover. Sometimes the merchant does not have a tie-up with your card and it will not be available for you to choose. In such cases, you will have to change your mode of payment.

    Step 4: Entering Name and Credit Card Information:

    The site will then ask for your name as in your credit card, along with other credit card information crucial for payment such as – your card number, expiry date on the card and the security code. Some cards also have the security code (three digit) on the back of the card.

    Third-party Payments:

    Some third party websites like PayPal and Citrus allow you to create an account and register your credit card in their website. This requires you to enter all your credit card information one time and every time you make an online purchase, you will just to have select ‘Pay with PayPal’ and enter the username and password for PayPal and your online transaction gets through.

    Safety and Security:

    Online shopping also exposes your credit card to the risk of potential frauds. Always remember the following points during on online shopping free:

    • Shop only on secure websites and do not choose your sites based on discounts and offers alone. The best sign of safety and security is a lock or ‘Verisign’ on the website.
    • Do not make online purchase from unsafe public terminals or unsecure Wi-Fi networks.
    • Never save your credit card details on any website.
    • Do not enter your internet PIN or ATM PIN number on any site.
    • Ensure you get notified every time your credit card has been used.

    While shopping, whether be it online or offline, you must be very careful while using your credit card. As long as you take some precautions and be a little cautious while making an online transaction, shopping as always will be fun.

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