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

    • SBI Cards Credit Card
      "Not bad"
      0.5 2.0/5 "Expected more"
      I am having the SBI Elite card and am using it from the last eight months of time. Credit limit is around 3.5 lakh Rupees till now. Customer service is also a good one with them and the interest rate is the drawback with them, also they will not provide the reason for the extra charges.
      Was this review helpful? 2
      , chennai
      Reviewed on May 27, 2017
    • Dhanalakshmi Bank Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I am having he credit card with the Dhanlaxmi bank and they are the best one among am using. The credit limit is around 1 lakh Rupees and am using it from the last ten years of time , also the customer service is working in a good way.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • Axis Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The offers at Axis Bank is good on the credit card and there are no charges taken for it annually. The online banking is clear as I am able to check the statements and all my transactions that I do. I also get the message instantly as soon as my card is used.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI offered life time free credit card for me. The credit limit is good. I regularly receive reward points but I do not know about cash back offers. I never converted reward points in to cash but I used the points for shopping purpose. ICICI bank is good in terms of credit card services.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "They should understand Customer's Needs"
      0.5 1.0/5 "Really Bad"
      I had been using this card more than three years, my credit limit is just Rs. 40,000 but in CITI , I am using for the period of one and half year. Initially they gave the credit limit of Rs.80k now increased to Rs.1.20 lakh and I am holding saving account with HDFC more than 5 years. I had done many loan payments through their account, I dont have any cheque bounce, they would have increase my limit.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the State bank of India and the services are good one with them, also they have contacted me to increase the credit limit. Customer service is good one with them and am using it from the last two months of time.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 27, 2017
    • Citibank Credit Card
      "Very good to use"
      0.5 5.0/5 "Blown Away!"
      CITI is one of the best bank, they analyze the customer profile very well and they give respect to the customer. CITI understand the customer very good. I got many reward points and cash back upto 12,000, I am very happy to use CITI bank credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having HDFC bank credit card from the last four years of time. The offers are not really fine one with them like I am not able to make the big purchase into EMI conversion, also am not satisfied with the HDFC bank credit card till now.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • Axis Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      Customer service is good one with the Axis bank credit card and am having it from the last four years of time, also the response is good one with them. I have not received any offers with the Axis bank for this long tenure and the credit limit value is almost good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • IDBI Credit Card
      "Nice features"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card is good and I am happy with the overall experience as my card is accept at all the outlets and even for my online shopping as well. There are decent offers and from IDBI and the billing cycle is convenient for me so I do not get to miss out on my payments.
      Was this review helpful? 0
      , raipur
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the SBI and I want to say its the best one because their service aspects are really good while compare with some other competitors. Response is fine one with them and am having this credit card from the last two years of time. Offers are almost good one with them.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Transparent in details"
      0.5 5.0/5 "Blown Away!"
      The offers are good at HDFC bank and there are no charges taken for card annually. The best I prefer is the statements which was sent on time and I did not have any discrepancy in the bills. The customer support is always helpful and I get the updates regularly on calls and through emails.
      Was this review helpful? 0
      , delhi
      Reviewed on May 27, 2017
    • Standard Chartered Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      There are no unnecessary charges or hidden charges with Standard Chartered Bank for the credit card. I use this card for long time and I did not face any issues with them till date. I receive reward points and cash back offers on my card but the drawback is there is no option to convert those points into cash. Customer service and responsiveness were equally good.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered a life time free credit card and they have given me a limit of around four lakhs which is more than satisfactory for me. The customer support is good and they are responsive is giving me details instantly without a delay. The offers are good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      State bank of India provides good credit card service. I am using the card for long time but I did not gone through any kind of tough situation because of the credit card. I used to get reward points and cash back offers. Good feature of SBI is we can convert all the reward points into cash.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Very well "
      0.5 5.0/5 "Blown Away!"
      I have a current account with HDFC based on this account they used to give many offers. In fact I got HDFC Religalia card, initially they gave 35,000 but now they increased the Rs. 3 lakhs credit limit. I am very happy about it. HDFC bill part is very clear.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using HDFC credit card. The credit limit is good and it is sufficient as per my requirement. I am getting reward points. They provide offers on travelings, entertainments. Sometimes they give cash back offers. I never checked about the rate of interest and the annual charges. It is going smooth till date.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Convenient banking"
      0.5 5.0/5 "Blown Away!"
      When ever I contacted HDFC bank with regards to my credit card, they were very helpful to give me details. The offers are good and the cash back I get on it is helpful. The points can be redeemed on fuel and there are other benefits of EMI and loan features too.
      Was this review helpful? 0
      , panchkula
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Very good in services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been good in the services for the credit card as well. Everything falls in place from the offers to the credit limit and the updates they give me on the card. The customer services are good and professional as well in the communication.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      The credit limit which was offered on my CITI bank credit card is for 2.5L. I use this card for emergency purpose. All there services are good and approachable. I am not sure about their customer service. Their net banking application is good and everything is good with CITI bank but I hardly use this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 27, 2017
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    Credit Card Protection Plan is Rated as "Excellent!" by 34869 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Credit cards have always played a significant role in our lives, be it either for an all-time fund access or just a thing to boast about. Till the time it is safely packed in our wallet, it gives us a sense of purchasing power and confidence. The dreaded moment when you lose your precious credit card, your world comes crashing down. There are many ways to handle this situation if you are not already in the middle of a panic attack. The traditional way of handling this incident would be to call the customer care requesting to block your credit card. However, if you are one of those who take pride in more than one credit card, then the calls could seem endless. Therefore, Credit Protection Plan (CPP) is one of the best options to keep your card safe in advance.

    What is Credit Card Protection Plan?

    Credit Card Protection Plan acts as an insurance plan for credit cards, debit, retail, and membership and retail cards, in case of theft, loss or fraud on the cards. It requires the cardholder to pay a fixed yearly fee to use the service. In India, this service is provided by two service providers - Credit Protection Plan (CPP) and OneAssist. They offer various card protection plans for different cards based on information such as credit limits, etc.

    Features of Credit Card Protection Plan

    Single Insurance Plan: Credit Card Protection services are single insurance plans that offers coverage for more than one card, be it credit card, debit card, PAN card or Driver’s License.

    Economical and One-time Premium: CPP service providers require cardholders to pay a minimal premium yearly for subscribing to the service. The annual premiums for these services are as low as Rs.899.

    Easy Blocking: For subscribing to the plan, all you need to do is register your card’s details. Once registered, in case of theft or loss of card, all you are required to do is call the service provider and all your cards linked to the plan are blocked. You do not have to go through the herculean task of calling each bank, asking to block the cards, in case of loss of multiple cards.

    Card Replacement Assistance: The card protection plan also provides assistance in replacing the misplaced cards.

    Quick Card Cancellation: The CPP service provider connects with the concerned banks of your credit and debit cards in order to initiate an immediate process of cancellation of your misplaced cards. The expenses incurred in unauthorized transactions in case of stolen cards are also paid for, by the CPP service provider.

    Emergency Financial Assistance: If you lose your credit or debit or any other card overseas, CPP services offer emergency cash advance for settling unpaid hotel bills or arranging travel tickets. If you are within the country, emergency assistance from the CPP service provider reaches the cardholder within 24 hours, while if on a trip abroad, it takes about 48 hours to get assistance. There is no interest charged on the emergency cash advance provided you under this plan, however you are required to repay the amount in full within 28 days.

    PAN Card Replacement for Free: You are also eligible for a fraud protection feature under the CPP, where your PAN Card is also protected against loss, theft, fraudulent online use, etc. In this case, the CPP service provider ensures your PAN card is replaced when lost, within the shortest time span. There is no charge for this replacement as it is done by the CPP provider on your behalf.

    Applying for a Card Protection Plan

    Subscribing for a CPP is very easy, it usually involves the following steps:

    • Fill an application form for the chosen card protection plan. Application forms are available online on the service provider’s or banks registered website.
    • Pay the premium amount as per your card and as offered by the service provider. Generally, the premium is required to be paid in full and at the beginning of the plan.
    • Once the service provider receives the premium amount, a welcome pack is sent to the cardholder. The welcome pack comprises of a registration form, confirmation letter as well as terms and conditions of the membership.
    • Cardholder should register each card that is under the protection plan by giving all the details of the cards and sending it back to the CPP provider.

    Things to Remember before Subscribing to CPP

    Opting for a CPP is a great idea, provided you are sure if it will benefit you. Some of the points to look out for, while applying for a credit card protection are:

    • While selecting the card protection plan, ensure you know the list of banks that are tied up with the providers.
    • Find out about all the plans being offered as each CPP may differ depending on the bank as well as your card.
    • Find out the maximum damage loss that you will incur against the plan you are choosing.
    • Also, know the maximum reimbursement that can be availed on your plan.
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