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

    • Standard Chartered Bank Credit Card
      "A perfect bank in service"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the Standard chartered bank from the last four years of time, also I got the loan from them. They are wonderful and they are providing the better services to the customers. I mean to say that they are unique.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      I have credit card with HDFC bank. Which is free for a year, after a year the annual fee is around 500 rupees. I did not receive cash back offers but I used to get reward points from the bank. Credit limit is quite ok for my requirement. I am happy with HDFC bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • Citibank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using CITI bank credit card for more than seven months of time. I have contacted their customer service, also its not required because everything is going in a fine way. Response is fine one with them and there are no worries. I have not faced any hassles with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Recommendable Bank"
      0.5 4.0/5 "Great!"
      As per my experience with HDFC bank for credit card, HDFC is a recommendable bank for those who are seeking for credit card. I got good credit limit from the bank with other benefits like reward points and cash back offers. I faced no issues from HDFC bank till date.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on May 23, 2017
    • Standard Chartered Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      Standard Chartered bank has offered me a credit card which is free for lifetime. The customer services are good as the bills reach me on time and without any extra charges. The bank needs to improve on the offers and the credit limit. It is good but they can do better in that.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 23, 2017
    • Citibank Credit Card
      "Good. Can do better "
      0.5 3.5/5 "Pretty good"
      I hold a credit card with Citibank and it is okay experience. There are offers but not much of discounts like the other banks. The credit limit is also on the average side. The good thing is it is a life time free card and the statements are on time as well.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 23, 2017
    • Axis Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I would like to say Axis bank is best one to get the personal loan , as per my consideration because they are prompt and fast in service. Within three to four days of time , the loan amount got disbursed to my account. Response is good one with them.
      Was this review helpful? 0
      , silchar
      Reviewed on May 23, 2017
    • SBI Cards Credit Card
      "Not Happy"
      0.5 2.0/5 "Expected more"
      SBI charges five hundred rupees for the credit card as a annual fee. When it comes to offers and benefits, I receive nothing from the bank. They credit reward points but it cannot be redeemable. Finally I am not happy with State bank of India for my credit card.
      Was this review helpful? 0
      , howrah
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "High in charges"
      0.5 2.0/5 "Expected more"
      I am using HDFC credit card but planning to close the card. Actually the bank offered life time free card for the usage but when I missed the due date once, I was delay for one day for that they charged me around 400 rupees which is too high. Hence I am not interested in using HDFC card, I will close it soon.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • SBI Cards Credit Card
      "Average "
      0.5 2.0/5 "Expected more"
      I do have SBI credit card and am having it from the last two years of time. Its the very cool, so they don't entertain the customers much. Complaints used to taken care after seven days of time. I would like to suggest that they need to resolve the customer queries immediately.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the HDFC bank because they regularly update the credit limit and they used to give the points and they are understanding the customer. I am with them from the last five years of time. Response is very good one with the HDFC bank credit card.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on May 23, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Having SBI platinum credit card for past 2 years. I also got the reward points which has the expiry date with SBI card, the cash back and the fuel supercharge waiver offers are available with card. Overall good to use this card. I am happy with the credit limit, but now I have asked SBI to update my card with better credit limit.
      Was this review helpful? 0
      , chennai
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I am maintaining a Hdfc Platinum times credit card for past 3 years, I have 5000 reward points on this card, but I haven't used it . Equated monthly installments are convertible very easily with Hdfc card. I am happy with the credit limit. Overall very good service on my Platinum Times Card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 23, 2017
    • Kotak Credit Card
      "Good features"
      0.5 4.5/5 "Excellent!"
      There are nominal charges taken on the credit card but the offers are good at Kotak Mahindra bank. The limit the bank has offered is good enough and the customer services are good as well because they are helpful when I contact them and the bills are on time.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good in offers"
      0.5 4.5/5 "Excellent!"
      HDFC Bank has been good in the credit card services as well. The bank has excellent deals and the credit limit is also good and to my satisfaction. The card is accepted at all outlets and there are flexible options of EMI online at Ecommerce portals.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I got credit card from HDFC bank with the limit of one lakh and twenty five thousand rupees. There is no annual fee for the card. Though I am not getting cash back offers but I am getting loan against my credit card with the lowest interest rate.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 23, 2017
    • Axis Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      There are no great offers with this AXIS BANK NEO CREDIT CARD , using this card only for the credit limit. I am using this Neo card for past 1 year. I don't redeem the reward points with this card . I am happy with credit limit, The bill payment is easy to do via net banking.
      Was this review helpful? 0
      , pune
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I availed credit card from HDFC bank which is a life time free card. I am getting more benefits from the bank more often. Their services are quite good and there was no problem with the bank for credit card usage. Their way of customer approach is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • Citibank Credit Card
      "Beneficial"
      0.5 4.5/5 "Excellent!"
      Citi bank is the one which gives maximum reward points. Also it is very easy to redeem those reward points over the phone as well as we can convert the reward points in to cash. I am using credit card for more than four years. Sometimes I used to get cash back offers from the bank too.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Satisfied with the offers"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is the best for credit cards because they have a variety of options on it. The customer support is also good and there are no hassles in using the card online for purchases. The transactions goes through smoothly and I also get intimated instantly.
      Was this review helpful? 0
      , satna
      Reviewed on May 23, 2017
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    Best credit cards in India for shopping is Rated as "Excellent!" by 34697 Users

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    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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