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.
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      , satna
      Reviewed on May 23, 2017
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    Credit Card Loan Vs Personal Loan is Rated as "Excellent!" by 34697 Users

    Fees & Charges

    Promised Interest Rate

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    Credit Card BYTES FROM OUR KITCHEN

    What is your plan of action when you are in need of some cash or credit and you do not have sufficient funds? You may either opt to swipe your credit card or go with the traditional way of taking a loan. You have two options, either take a loan on your credit card or take a personal loan. To make a choice between the two, you will have to draw a comparison based on our needs and situation.

    Personal Loan:

    Personal loan is usually an unsecured loan taken for various purposes ranging from medical reasons, to expensive purchases to a vacation or even debt consolidation. The interest charged on personal loans is high as they are unsecured loans.

    Credit Card Loan:

    Loan on credit card is a pre-approved loan that does not require any documentation. It is the fastest source to attain unsecured credit. In this type of loan, a certain part of your credit card limit that is unutilized is offered as a loan. Loan on credit card is not same as cash withdrawal.

    Credit Card Vs Personal Loan

    Personal loan and loan on credit card seem similar but are not exactly the same.

    • Documentation: A personal loan requires quite a number of documents for approval and takes a few days to come through, however loan on credit card does not need any documentation and is faster to attain.
    • Interest: This is the most important point to be considered while taking a loan. Usually, person loans are offered at a 13-22% interest rate, while credit card loans offer interest rate of 10-18%. However, another key factor is that credit card loans can be availed at flat interest rates, while personal loans are available with reducing balance rates.

    Monthly interest in case of flat rate loans is applied on the initial loan amount and it remains the same for the entire duration of the tenure, even though the principal amount decreases. While in case of reducing balance loan, the interest outflow decreases as and when the principal is paid.

    • To avail a personal loan, you do not have to be the bank’s customer, however to avail a loan on your credit card, you must be owning the bank’s credit card.
    • Unsecured Loan: However, both these loans are unsecured and there is no collateral involved.
    • Tenure: Credit card loans can be taken for lower tenure periods, while personal loans are usually long duration loans.
    • Loan Amount: A credit card loan is a suitable option when in need of a small amount of loan, while with personal loans, you can avail a huge loan.

    After comparing both loans, you can make a choice based on your financial need, time frame for which you need the loan and how soon you need it. If you are clear about your requirement, it is easier for you to make the right choice.

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