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

    • Bank Bazaar Customer Support
      "CREDIT CARD"
      0.5 5.0/5 "Blown Away!"
      THIS IS ONE OF THE MOST COMFORTABLE SITE AND VERY FRIENDLY SITE TO UPDATE ONLINE FOR THE CREDIT CARD AND HELPED ME OUT AND GIVEN SUITABLE CREDIT CARD DEPENDS ON OUR ELIGIBLITY. AND MY ADVICE TO YOU ALL IS, TO USE ONLY BANK BAZAAR .COM FOR ANY FINANCIAL NEEDS.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jun 28, 2017
    • Bank Bazaar Customer Support
      "Good service"
      0.5 5.0/5 "Blown Away!"
      On the website itself, I have completed all the formalities easily like adhaar card details company details etc. They all require information for a basic application without wasting time and once again thanks to Bank bazaar. com. Thanks & regards Haroon Rasheed Hyderabad
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 28, 2017
    • Bank Bazaar Customer Support
      "Excellent service by bankbazaar.com"
      0.5 5.0/5 "Blown Away!"
      User friendly excellent service from Bank bazar.com This is the only website which will assist you the best by giving the product information Bank credit cards packages my mails messages phone calls and the response from bankbazaar it's excellent. Bankbazaar.com which is helping to get our needs in limited time with best offers this website is helpful for the public. So thank you for giving me the best support from customer service care.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Better service for customer"
      0.5 4.0/5 "Great!"
      HDFC is good they not adding any over limit charges, I am using jet privilege card. I could redeem the reward points only for the flight ticket bookings. HDFC bill are clear, they updated everything on time an every month they gives gentle reminder and proper updates about the offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 27, 2017
    • SBI Cards Credit Card
      "Looking for better feature"
      0.5 2.5/5 "Just OK"
      SBI taking too many charges for the credit card, example If I have a credit limit of Rs.50, if I use upto Rs. 49,000. SBI taking some over limit charges. Many times I raised the complain to waiver off the charges its very bad. Points are good in SBI for the transaction, for every spent of 100 points, I would be getting two points.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I haven't used HDFC bank diners club card much. The reward points cash back offers are available in this card but I haven't used it. I am happy with the credit limit. The rate of interest is nominal with this credit card. The service which I get on my credit card is really great. I was holding this card for the past 5 years.
      Was this review helpful? 1
      , madurai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank money back is really good to use, because it has so much of offers with it, like cash back offers, reward points and etc the reward points can be redeemed as cash. I am happy with the HDFC bank money back credit limit. The rate of interest is nominal with HDFC bank card. I am satisfied using HDFC bank card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 27, 2017
    • Axis Bank Credit Card
      "Very good card to use"
      0.5 4.0/5 "Great!"
      I am holding this axis bank credit card for past 5 years. I am happy about the credit limit. The rate of interest is nominal with axis, when compared with others. The customer service and the response part is good with axis bank. I am a happy customer to axis bank.
      Was this review helpful? 0
      , kakinada
      Reviewed on Jun 27, 2017
    • Bank Bazaar Customer Support
      "GOOOD"
      0.5 3.5/5 "Pretty good"
      Bankbazaar provides very nice user experience and information related to bank and other operations. Would be very helpful on knowing in depth about the bank related information and their system. Also I am looking out for a good service as well.
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      , mumbai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Convenient for transaction"
      0.5 4.0/5 "Great!"
      Right now I am getting good reward point for my HDFC credit card transaction, I could redeem the points into cash. When I want to redeem the points, I could visit to the nearest branch to place a request. HDFC credit limit is also good very much satisfied.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 27, 2017
    • SBI Cards Credit Card
      "Charges should be minimal"
      0.5 3.0/5 "Satisfactory"
      SBI charged 3000 rupees for joining for platinum credit card, but they provided 3000 cash back. I could use it in yatra.com or shopper stop. SBI customer service is good, they provide what I need but they are not proactive. They never call to the customer to inform about new offers. SBI payment gate is very difficult, last month I paid NEFT payment on last day, it got reflected after 2 days for that SBI charged around Rs.2400 on my bill.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      Which I am using HDFC money back its superb to use. Whenever I do the transaction around 150, I would be getting 3 points. For one 1000 points they providing 300 rupees, I could redeem into cash or pay the outstanding. HDFC customer service is good, they are always there to listen and ready to help me at any point of time.
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      , mumbai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      Having a HDFC bank Money back credit card for past 3 years. I get money back, reward points, cash back offers with this card. They are charging too much if we miss to do the payment on time and the late fee charges also high, when compared with others. The credit limit need to be increased with HDFC credit card. The rate of interest is high when compared with others.
      Was this review helpful? 0
      , haridwar
      Reviewed on Jun 27, 2017
    • IndusInd Bank Credit Card
      "Supportive services"
      0.5 4.0/5 "Great!"
      I bank with Indusind Bank for a credit card as well and there is transparency in banking with them. No hidden charges and the offers they provide is also up to the mark. It is useful and the card can be accessed all over. The credit limit is satisfactory to me.
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      , kolkata
      Reviewed on Jun 27, 2017
    • Bank Bazaar Customer Support
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am very much happy, this is very much useful application this is financially helping application and the response is also good . Fast Service home loan, personal loan, car loan, credit card also available, it is a one platform, I am very much happy with Bankbazaar services.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 27, 2017
    • Bank Bazaar Customer Support
      "Credit card application "
      0.5 5.0/5 "Blown Away!"
      The process is simple and user friendly as much as it can be. I am not sure whether the application will be successful or not. Good services - just one thing verification from bank should be done via e mail too in case some one misses the verification call by any means. All in all great services !!
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 26, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 4.0/5 "Great!"
      The credit card experience has been good from Kotak Mahindra bank. The offers and the credit limit is up to my expectations. There has not been any inconvenience till date and my card is acceptable at all outlets and online as well. There are no extra charges.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 25, 2017
    • Bank Bazaar Customer Support
      "Bank bazar is a excellent app"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar customer executive is very good, talking for any bank inquiry so it was an excellent job and for any query solving any problem so good thinking of executive and bank bazar. Com app very excellent and class one application any inquiry and even credit score is available.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jun 25, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      There is a balance transfer feature on my SBI credit card and that benefit what they provide is also good. There is a processing fee of Rs. 450 for every 30K. The statements are on time and there is a annual charges of 499. The offers and credit limit is provided by them is good and it is very much satisfactory too.
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      , faizabad
      Reviewed on Jun 25, 2017
    • ICICI Bank Credit Card
      "The best"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI Bank and the banking services are good in this product as well. From time to time I get the offers and there are other good deals online too. There is a fee of 499 and the benefit of a loan on card is the best as I can take it instantly with no paper work.
      Was this review helpful? 0
      , faizabad
      Reviewed on Jun 25, 2017
    Common Loader Icon

    Gift a Credit Card is Rated as "Excellent!" by 35841 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Individuals are spoilt for choice when it comes to gifting ideas. There are a number of gifts that individuals can give their loved ones, but the best gifts are the ones that are useful and serve a purpose. However, most individuals would not have considered presenting their loved ones with plastic money. That’s right! Credit cards can also be given as gifts to loved ones which allows them the freedom to purchase whatever it is that they require. And no, this is not the same as a gift card which generally comes with a set prepaid limit. Once this limit is exhausted, individuals will have to either recharge the card or get a new one.

    The advantages and the ease of using plastic money is something every individual knows and loves, but there are times wherein they are unable to avail one. In such circumstances, gifting an add-on card will be the perfect solution to all gifting requirements. Its user-friendly features are also an added advantage.

    What exactly is an Add-On card?

    Supplementary or add-on cards are additional cards that can be given to family members of the main credit holder, as per his/her request. This card can only be given to those who are above the age of 18. These add-on/supplementary cards allow the holder to use them in a manner that is similar to credit cards, but as per pre-determined rules and the onus of this spending is on the main credit card holder. All card providers also have a set of rules that will have to be followed in order to procure supplementary cards.

    More than one supplementary card can be issued by the primary card holder for each member of his/her family. However, the total number of cards that can be availed is dependent on the card provider’s policies.

    Additional documents need not be provided by the users of these supplementary cards such as proof of address, income and so on as these add-on cards will be provided based on the documents submitted by the primary account holder. Privileges given to the holders of supplementary cards are the same as that given to primary account holders except perhaps, the credit limit. Supplementary cards generally come with a lower credit limit. The per-day limit as well as the overall limit of these add-on cards are fixed. If more than one add-on card is issued, then the limit is divided by the number of users.

    Supplementary cards are provided by many banks without charging an additional fee, whereas others may provide a limited number for free and charge for additional cards. Certain banks may also charge an additional fee for the very first add-on card. These details will depend on the card provider.

    It must be noted that add-on card transactions are recorded in the primary holder’s statement itself and a consolidated statement is sent to the primary holder. Transactions made by each of these cards can be tracked and monitored by the primary account holder, or even opt for alerts.

    Is it Convenient?

    Certain individuals may find it difficult sometimes, to apply for a credit card such as retired individuals, students or even housewives as they may not have the required documents or financial status. Carrying cash is a viable option but having a credit card is always an advantage.

    In such cases, providing them with a supplementary card is helpful as the primary holder can always track the progress and monitor their spending while allowing supplementary card holders to enjoy the benefits that come with credit cards.

    Caution is Necessary

    Although supplementary cards come with their share of advantages, primary cardholders will have to ultimately bear the brunt of misuse, if it occurs. The responsibility of these cards lies with the primary holder and hence should ensure that add-on cards are used judiciously.

    Extreme credit utilization will harm the primary cardholder’s credit score and reckless use of these add-on cards may cause issues during the time of payment.

    Supplementary cards are a good gifting idea as they provide some measure of financial convenience and independence but can also create problems if misused. Hence, these cards must be used cautiously.

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