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
      "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? 0
      , 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? 0
      , new delhi
      Reviewed on Jun 26, 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? 0
      , ahmedabad
      Reviewed on Jun 25, 2017
    • Bank Bazaar Customer Support
      "Credit Card"
      0.5 5.0/5 "Blown Away!"
      Have made so easy to get a credit card according to your needs. Just submitted my application in just 5 mins and get approved. Really amazing to see that one day it will be so easy to apply for a credit card.thnx and congratulations to team bank bazar.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 25, 2017
    • Bank Bazaar Customer Support
      "Experience ."
      0.5 4.0/5 "Great!"
      Excellent experience with bankbazaar, it provides good service. .fast reply. .I was also with bankbazar , my loan was approved with a lower interest rate through this site. Car loan ..personal loan credit card and other loan fast approval is provided by every bank all india.
      Was this review helpful? 0
      , amritsar
      Reviewed on Jun 25, 2017
    • HDFC Bank Credit Card
      "Superb Customer services, you killed competition."
      0.5 5.0/5 "Blown Away!"
      Dear HDFC Customer care team, you have also been superb at providing resolutions. HDFC bank is my fav bank to use a credit card, I told 6 other banks cards but none of other banks services are even close to HDFC. Keep up the good work team. Cheers
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 24, 2017
    • Axis Bank Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I am having the credit card with the Axis bank credit card and the service aspects are good one till now. Credit limit value is around 45000 Rupees and also its a kind of offer for me, also they have offered to make it as double. Online banking services are good one with the Axis bank credit card.
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      , bangalore
      Reviewed on Jun 24, 2017
    • American Express Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      American express credit card is working in a good way but its not accessible everywhere and that's the major drawback, rest of the things were really good. Customer service is an excellent one for me till now, also I am very much happy with the responsiveness too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 24, 2017
    • SBI Cards Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I would like to say SBI credit card is the best one for me because they have provided me with the lot of option and benefits to the customer. Its an excellent credit card and they have provided the ccredit limit value ,which is also a good one for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 24, 2017
    • Axis Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Axis bank offered a life time free credit card for me. This is the first time I had received credit card from Axis bank. They are good in process and disbursed the card with good credit limit. I have no issues with the bank for the credit card services.
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      , bhopal
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "No Response"
      0.5 1.0/5 "Really Bad"
      I did not receive any kind of response from HDFC bank when I approached them for the credit card. Recently I applied for the credit card with HDFC bank. But my card application was not been processed by the bank and they just closed my application as I am a business man.
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      , bhopal
      Reviewed on Jun 24, 2017
    • ICICI Bank Credit Card
      "Not customer centric"
      0.5 1.0/5 "Really Bad"
      In order to get credit card I approached ICICI bank and also I had submitted my application. But I had not received the card from the bank. They did not process as I am a business man. It would be good if the bank is customer oriented because I have savings account with same bank for three to four years but then the bank is not ready to provide the credit card.
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      , bhopal
      Reviewed on Jun 24, 2017
    • Bank Bazaar Customer Support
      "Great experience... Easy to apply.. "
      0.5 5.0/5 "Blown Away!"
      It's very easy to apply.. Great experience.. Need not to run behind bank.. Time saving.. Really worth.. Automated.. Thanks for giving free registration and not cutting any amount for first year.. Giving more cash back and rewards.. Thanks to bankbazar... Really great
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 24, 2017
    • SBI Cards Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      SBI is excellent on the credit card, there are EMI facilities which are very convenient as there are a lot of flexible options. The customer support is good and the credit limit is good on my card. My card is accepted all over online and offline.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      HDFC bank has been good in the credit card services and the offers are satisfactory. They have a lot of options on the card and it is very convenient to use the card as well. The statements are clear and the customer support is good and easy to reach too.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Jun 24, 2017
    • Canara Bank Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      I availed a life time free card from Canara bank. The bank offered good credit limit also there is an option to upgrade the limit in future. Basic documents are required to avail the card. I use this card for one and a half years, I never faced any issues because of my credit card. It is good to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 24, 2017
    • HDFC Bank Credit Card
      "Happy to Hold"
      0.5 5.0/5 "Blown Away!"
      HDFC bank has offered me a credit card too. I hold savings account with the same bank. The bank provided a life time free credit card which is very much comfortable to use. The credit limit provided by them is very much satisfactory and I do not have any issues with HDFC bank for the credit card. Customer service is overall good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 24, 2017
    • Citibank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      Actually the Citibank reward points card has very good credit limit when compared with other bank card. The benefits with this card can be compared with other banks. I get reward points cash back offers and fuel surcharge waiver. The rate of interest is nominal with this card. I am happy using Citibank rewards card.
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      , hyderabad
      Reviewed on Jun 24, 2017
    • Bank Bazaar Customer Support
      "Excellent...Staff and user friendly....Way to go bank bazaar"
      0.5 3.5/5 "Pretty good"
      Fast and convenient.... Satisfying.... Customer service is excellent...Follow up done by call centre staff is good... Uploading of documents wasn't difficult...good decision taken on my part...Can recommend to others without any doubt...
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      , kolkata
      Reviewed on Jun 24, 2017
    • review Credit Card
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      I do use SBI cards. The annual fee for the card is around 500 rupees. SBI is giving more reward points also I could convert all those points into cash. The credit limit is pretty good. Moreover there are no penalty charges or hidden charges with SBI. I never seen a Bank likes this, which is deducting the amount unnecessarily.
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      , jaipur
      Reviewed on Jun 24, 2017
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    How to know the Credit Card Balance is Rated as "Excellent!" by 35811 Users

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    Credit Card BYTES FROM OUR KITCHEN

    There is no second thought about the fact that credit cards have been redefining the way we buy and spend for decades now. The features and benefits it offers is immense and continues to grow by each passing year. The huge popularity this product enjoys world over is mainly due to its mobility and “buy now, pay later” concept.

    Routine usage of credit card also calls for constant monitoring and discipline. After all, it's nothing but revolving credit you’re availing from the issuer to be repaid as per the schedule. One of the most common facets of monitoring the credit is knowing the balance. When we say balance, it refers to the current balance owed as well as remaining balance available on the card.

    Importance of knowing credit card balance

    If you’re frequent credit card user, it's paramount to know the balance at regular intervals. Let's explore the benefits of keeping track of the balance on the credit card.

    Helps in knowing how much is outstanding

    Checking your balance will help in ascertaining the balance outstanding which in turn aids timely payment. You can also check unbilled charges and raise a flag with the bank if there are unauthorized transactions. This way, you can stay up to date with card information.

    To know the available balance

    Knowing how much is available helps in deciding the spends. Just like you would do with a debit card, keeping an eye on the available balance will save you from the embarrassment of card being rejected at a shop or online, when you need the most.

    General monitoring and flagging fraudulent charges

    It also helps to keep a track of transactions made during a specific billing period. If there are any unauthorized/fraudulent charges, you can always contact the issuer and raise a dispute in this regard, thus saving you from paying for charges which were not authorized.

    Now that we’ve understood the importance of monitoring the balance, the section below provides details of various ways/resources through which you can keep a tab.

    At the ATM

    By inserting the card in any of the ATMs, you should be able to get details of the balance on the card by selecting the relevant option from the menu. This service is available upon authentication by means of a PIN on the keypad. If you do not have a PIN, explore other options or request for one with the issuer.

    Monthly statements

    The issuer would send out statements after the closure of the billing period as and when they are generated. If you’ve subscribed for a hard copy, it would be sent by regular mail or courier service. Otherwise, they are instantly transmitted to the registered email id, giving immediate access. With most issuers, a password is needed to open the soft copy. This password is generally a combination of personal credentials such as the card number and date of birth.

    The smartest way to check statements is by email. If you’ve not registered for this service, do so at the earliest since there are no additional charges for the subscription.

    Visiting a branch

    Although a time consuming option, balance information can also be obtained from the nearest branch if visiting one is convenient. The representatives have access to the card information on their systems that can be instantly retrieved and communicated after verification.

    By calling customer service team

    Balance information can also be obtained by contacting the customer service wing on the phone numbers provided. After authentication by means of a PIN, critical information pertaining to the card can be obtained either over the IVR or by speaking to the representative.

    By SMS service

    If you’ve subscribed to SMS alerts, text messages are sent out by the systems as and when the transaction is made, providing you details of the charge as reference. The issuer may also send out periodic alerts such as communicating the balance via SMS which will help you in referring to card information whenever you want.

    Internet banking

    Perhaps, one of the most sought after ways to check card information including balance. You can check the balance on the go, across devices. All you need is an id and a password to login. The credentials are generally provided when you sign up for a credit card as it comes in the welcome kit. Otherwise, some issuers also let you register for net banking on their portal. The information provided is up to date and real time.

    With online banking, you can also request for changes to your account and update personal information.

    On the mobile app

    Another preferred way to check card balance is by using the app provided by the issuer on smartphones and other handheld devices. It's convenient, easy and instant. Nearly all banks maintain apps for mobile phone and tablets on platforms such as android and iOS.

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