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

    • IndusInd Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am having Indus Ind credit card for the past 1 year. The benefits like rewards points cash back offers and online offers are available with this card. I am happy with the credit limit. The interest rate is nominal with this card. The best the thing is free movie ticket reward points, and the low interest rate on cash transactions. I am happy to use this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • Standard Chartered Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I hold a credit card with Standard Chartered bank and the offers are good. I earn reward points but I am unable to redeem the points. The credit limit is of 32k, but I am needing a better limit on the card. The customer services and response is good and satisfactory.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using Diner club credit card, whenever I go for any tie up restaurant with the HDFC they are providing some cash back and also I get some reward points. I am happy with credit card service of HDFC. Bill are very transparent and clear about the transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have never used this ICICI CORAL credit card properly . I hold this ICICI coral card for past 3 years. When I was using this card I got the reward points, cash back offer and the payback card which is attached with this card. For every transaction I will be some loyalty points which is added to the payback card. I am happy about the credit limit. I am satisfied using this card .
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The HDFC bank All miles credit card carries benefits like reward points and cash back offers. The reward points can be redeemed as air tickets, which is very good offer. I am happy about the credit limit. The rate of interest is nominal with this card. I am satisfied using this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Extremely good in the services"
      0.5 5.0/5 "Blown Away!"
      After seeing my transactions in my account, HDFC Bank offered me a credit card with a credit limit of 60K. They have also told me to use the card for the next three to four months and the bank would increase the limit. Even if they do not do it, I would not mind because I am extremely happy with the clarity they provide in the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I have got a SBI platinum card last month and I have made a purchase of a mobile phone. The service with SBI credit card is really good. The rate of interest is nominal with this card. I am happy about the credit limit. The customer service and the response with SBI is good. I am happy to use this S BI platinum credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a Money back credit card with HDFC bank for past 6 months. I get benefits like reward point, cash back offers and Online purchasing offers with this card. I am getting the notifications about the special offers with this card. The rate of interest is nominal with this card. I am happy about the credit limit and satisfied using money back card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • RBL Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding this RBL card for almost a year. If I spend more than 5k per month on this card I would be getting rs 500 voucher which can be redeemed as a movie ticket on book my show. This card has an annual fee of rs 500. Happy about the credit limit also I always prefer to pay my credit card bills through NEFT. I am very much satisfied using this RBL card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      SBI simply click card has got reward points scheme, online offers and I getting a better discounts on online purchases too. Also fuel surcharge waiver is applicable on this card but I have not used it though. I am very much happy with the credit limit which was offered on this card. The turn around time taken to pay my credit card bill was around 45 days. I can also make the payment through SBI online portal. Annual fee on this card is rs 500.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Good service"
      0.5 5.0/5 "Blown Away!"
      It is very nice place to get credit cards . We get early feed backs . It will be good if we get more cards from different banks . Helps in loans . It's almost a like a bank . You can apply from wherever you stay . No need to stand in que. This is very good application
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Charges should be reduced"
      0.5 2.0/5 "Expected more"
      Three years back I had taken car loan from HDFC, they have charged 5% of interest for the foreclosure, I had taken the car loan of Rs. 3.60 lakhs for the tenure of five years. I have done a foreclosure between the tenure period, I am not happy with their charges and it was really high.
      Was this review helpful? 0
      , srinagar
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Clear process"
      0.5 4.0/5 "Great!"
      HDFC Bank has been good on the credit card services and the offers are good and satisfactory. The credit limit is also good and the bills are sent on time and I do not have to recheck the statements they send me. No hassles overall and I am happy to use them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Need improvement in services"
      0.5 3.0/5 "Satisfactory"
      HDFC Bank is not doing well in terms of credit card. They do not value their customers. I am banking for this card for the last nine years and the credit limit is very less and the customer services are also not good, also they are not consistent in the process.
      Was this review helpful? 0
      , madurai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The credit card experience with HDFC bank is not good. Probably next year l might stop using this card because they also don't provide any offers and the credit limit they have offered is 50000 rupees and this is a life time free credit card holding this card for more than 5 years now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Frankly speaking , I am not happy with the level of service offered on my ICICI Bank credit card. I do not get proper services when I contact the bank. No proper offers nothing. The credit limit they have provided is 40000 rupees and 200 rupees is annual charge and this card is 3 years old.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Most promising feature of ICICI Bank credit card is, I am using ICICI coral credit card it is really good for entertainment, every month I am getting two movie tickets from them. Earlier I had Rubyx credit card there annual charges was more. Hence I migrated to coral visa card its good. I am fine with that too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and when I did not get my personal loan through, I called up the customer care and I got the loan on the card. It was a very quick process and hassle free too. There are other benefits and offers on the card and no inconvenience faced.
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      , porbandar
      Reviewed on Jun 23, 2017
    • Kotak Credit Card
      "They should transparent in their service"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra always takes some unwanted charges for the credit card and they wont give clear information about the charges. They offered me credit limit of Rs.30,000 its very low. I am using it for one year. So far I haven't get any credit card offers, they should work on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Nice Credit card"
      0.5 5.0/5 "Blown Away!"
      HDFC gave me good cash back offers, I got upto Rs.2000 based on the product which I purchased. I have been using it for two years its good, they offered credit limit of Rs.75,000. I always make the total amount so I not aware of interest rate. Overall I am happy with their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
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    Insurance Credit Cards in India is Rated as "Excellent!" by 35784 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Owning a credit card can bring you much more than just cashless credit. Some credit cards in India also come with insurance benefits that cardholders can avail as per their requirement. Every freshly issued credit card comes with a services guide that contains all information about the insurance company that is tied up with the bank and the different covers being offered by the bank. Although these insurance benefits bundled with the credit card comes with a lot of freebies, it has some hidden disclaimers as well.

    Types of Insurance Offered on Credit Cards

    There are various kinds of insurance that come with a credit card and each company has its own set of covers and respective limits. The following insurance covers are some of the popular ones being offered with credit cards:

    • Accident Insurance
    • Travel Insurance
    • Credit Insurance
    • Purchase Protection

    Accident Insurance

    Various credit card companies offer accident insurance cover worth Rs.2,00,000 to Rs.40,00,000 based on the type of credit card being offered. The insurance cover being offered for road accidents are between Rs.2,00,000 to Rs.4,00,000. While for air accidental deaths, the insurance cover ranges between Rs.10,00,000 to Rs.40,00,000.

    Travel Insurance

    Some credit cards come with additional travel insurance benefits that provides benefits cover for lost baggage, lost passport etc. In cases where your baggage goes missing for more than than 48 hours post your arrival at the destination, you can claim a benefit from your bank. Some credit cards cover both domestic as well as international travel.

    Credit Insurance

    In some cases, your credit card comes with an insurance privilege where you may be allowed a waiver on your outstanding credit card amount, in case of accidental death.

    Purchase Protection

    Purchase protection on your credit card implies that items purchased using the card are insured in case the items are damaged or misplaced due to fire or theft. Purchase protection on credit cards are offered up to a value of Rs.50,000 that can be claimed within 180 days from the day the items were purchased.

    Top Banks Offering Insurance Credit Cards

    Some of the banks that offer insurance on their credit cards in India are:

    • Standard Chartered Bank
    • HDFC Bank
    • IndusInd Bank
    • Axis Bank
    • ICICI
    • HSBC

    Standard Chartered Bank:

    The Visa Infinite Credit Card from Standard Chartered Bank is an exclusive card offered to the bank’s priority banking customers. Along with some unique benefits and exclusive privileges, the card also provides a complimentary travel and medical insurance worth up to a maximum of USD 200,000, when travelling internationally.

    HDFC Bank:

    The HDFC Bank Regalia Credit Card is an all in one luxury credit card that comes with enhanced features and benefits. Among many others are is its comprehensive protection component. Cardholders of the Regalia Credit Card are entitled to an insurance cover against air accidental death and emergency overseas hospitalization. In case of an air accidental death, the cardholder’s nominee is eligible to get a compensation of Rs.1 crore. In case of a medical emergency abroad, cover worth up to Rs.15 lakhs can be claimed.

    IndusInd Bank:

    The IndusInd Bank Platinum and Platinum Aura Credit card are premium lifestyle cards that come with top class exclusive privileges to suit your elite needs. Along with these attractive features, the bank also provides insurance cover by ICICI Lombard General Insurance Company. The cards provide an insurance cover of Rs.10,000 for lost baggage, Rs.50,000 for loss of passport, Rs.25,000 each for lost ticket, delayed baggage or missed connection.

    Some cards like the Kotak Mahindra Royale Signature Card offers security from card theft by offering a cover of Rs.2,50,000 against fraudulent usage of the credit card up to seven days before reporting the incident. The Platinum Credit Card from HSBC and MakeMyTrip also provides cover for misuse of the card up to 24 hours prior to reporting. The cover ranges up to Rs.3,00,000.

    Axis Bank:

    The Privilege Credit Card offered by Axis Bank comes with travel insurance benefits that offers you peace of mind when you travel. The air accident cover that you can avail with this particular credit card is Rs.2,50,00,000. The purchase protection that can be availed if you have this credit card is Rs.1,00,000. The Lost Card liability that you get is Rs.3,00,000. In case you lose your important documents on the flight, you can avail loss travel documents cover of USD 300. If there is any delay in the baggage check in process, you can avail a cover of USD 300. In case of loss of check in baggage you can enjoy check in baggage cover of USD 500.

    ICICI:

    The Travel Card issued by ICICI bank offers great benefits and cover options for its customers. As personal air accident cover, the insurance policy holder can avail Rs.10,00,000. If you miss a connecting flight when traveling overseas, you can avail a cover of USD 300. If your important documents are lost while traveling, you can avail USD 500 as cover amount. These documents include tickets, visa, passport, etc. If the plane is hijacked, you can avail a cover of up to USD 3,000. In case there is delay in your checked bag receipt, you can avail a cover of USD 300. You can enjoy Rs.2,000 as Lost Card Liability cover and Rs.2,00,000 as Counterfeit Card Liability insurance cover.

    HSBC:

    The Platinum credit card offered by HSBC has no liability associated with it if you lose the card. If you report the loss or theft on time, you will not be held liable for any fraudulent activity on your lost/stolen card. All the insurance benefits that are available under this particular credit card are offered by ICICI Lombard General Insurance Company.

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