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
      "Nice"
      0.5 5.0/5 "Blown Away!"
      Use ful service provided by Bankbazaar.com, very very useful bank related good service. Every one can use this Bankbazaar .com thanks for your support bank bazaar team thank you so much. Nice and good service continue doing the same thank you bank bazaar .com.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "Asked for Confidential Details"
      0.5 2.5/5 "Just OK"
      I dont wish to share my confidential details such as User ID and password of my salary bank account. Instead of the same, I would like to share with you my soft copy of my bank statement. I can share with you Password protected Statement which directly comes from the bank.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "Meaningful Information"
      0.5 5.0/5 "Blown Away!"
      I would like to say that the information provided by Bankbazaar is more than enough. I was able to gather the information what I was actually looking out for. I appreciate to receive such a meaningful information within a short time frame. Would like to thank you again for the same !!
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "Easy Access Software Application (EASA)"
      0.5 4.0/5 "Great!"
      Fast and easy process filling the form , credit card and other service provide by bank bazar.com , automatic step by step guidance, very fast reply through mail. call center service also very good. initially I hesitate and fear to fill the form but when I inquired about bankbazaar reputation. I came know that bankbazaar.com is very good. Manogaran .
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      , new delhi
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "Best service"
      0.5 4.0/5 "Great!"
      Good service, no paper work bank bazaar provides good service to all people, also the site is good for me and my friend recommended me to use this site. I guess this site is best for me and for all people. I would suggest everyone to use this app ... Mateen Samani
      Was this review helpful? 0
      , lucknow
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "Regarding Credit Card application "
      0.5 4.5/5 "Excellent!"
      It was a simple and great experience . tele service was very good . they guided me very clearly . I uploaded all my documents and every thing very clearly but still site was very fast to upload the documents . Their application is really good . Thanks to American Express Credit Card.
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      , bangalore
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "Awesome service, I am very much happy"
      0.5 5.0/5 "Blown Away!"
      Excellent service, I like your service very much and I am very much happy ...I support this website....I am really attracted to this website... awesome service we are very much satisified with your service..I hope in future you will come up with many good services...I like it ...I share it...
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      , ahmedabad
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "Simple process to apply for CC"
      0.5 3.5/5 "Pretty good"
      Good role played by bank Bazaar , it is very easy to find different credit and loan products by comparing which I liked it . It is very much time saving without putting in too much of effort. I have applied for one credit card application and waiting for response, I think it will work . Thank you!!!
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      , new delhi
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "Credit card applying way"
      0.5 5.0/5 "Blown Away!"
      Very useful for me thanks, very few easy steps to finish the work. Better way of applying credit card through this site. Thank you Bank bazaar.com also we expect more from you. Compare with other websites and apps this is the best option to apply . Bye!!!
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      , chennai
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Good service, no paper work bank bazaaar provides good service to all people, also the site is good for me and my friend reccomended me to use this site. I guess this site is best for me and for all people. I would suggest everyone to use this app.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 19, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a HDFC bank money back credit card for more than a year. The customer service and the response is good with HDFC bank. I also get money back offer, fuel surcharge waiver and some reward points with this money back card. The rate of interest is high when compared with others.
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      , bhimavaram
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Am so impressed with bankbazaar.com"
      0.5 5.0/5 "Blown Away!"
      Be it Savings Account, Credit Card, Fixed Deposit etc., and/or Insurance products like Term Life Insurance, Health Insurance and Car Insurance etc this is a perfect place / option to get the banking related consultation and apply for loan Cards or any other investment. This is a perfect place to compare and also to make sure your application is complete.
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      , new delhi
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "User friendly"
      0.5 3.0/5 "Satisfactory"
      The interface is user friendly. Like in minutes you can apply foh the card without any paperwork. I would appreciate it if you even manage a callback just in case if the application is rejected. Have applied foh a citi card now. Lets see how this goes!
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      , mumbai
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Good"
      0.5 4.0/5 "Great!"
      It was very easy to apply, will see how it works, but I am yet to receive a confirmation on the previous applied cards , but this application works good for easy pick of credit facilities give it try it is not waste of time , waiting to see the best use, with the help of this web.
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      , bangalore
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "EASY TO APPLY FOR MY CREDIT CARD"
      0.5 4.0/5 "Great!"
      Happy to say, I applied for my credit card few months before applying it on other banks website, even I did not get any kind of response from them. Here @bankbazaar my need got completed very easily.This is my first request with bank bazaar, I hope my request would get actioned successfully.
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      , chennai
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "Perfect Option!"
      0.5 5.0/5 "Blown Away!"
      This is the perfect option to get the banking related consultation and apply for loan Cards or any other investment. This is perfect place to compare and also to make sure your application is processed in time and also to get the best option to apply.
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      , gurgaon
      Reviewed on Jul 18, 2017
    • Axis Bank Credit Card
      "Very good card to use"
      0.5 4.0/5 "Great!"
      I am having Axis bank Titanium credit card for the past 6 years. The customer service and the response was good with Axis. The rate of interest is as per the market rate on this TITANIUM credit card. The reward points, cash back offers and the fuel surcharge waiver are very much available in this card. I am happy with the credit limit. I am satisfied using this titanium credit card of AXIS.
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      , sonepat
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "Great card "
      0.5 5.0/5 "Blown Away!"
      I am really happy to apply for this credit card. Application process was really smooth, thanks to bankbazaar.com. The Amazon voucher from bankbazaar and PayTM credit from CITI. To conclude I would say, it was a great rewarding experience provided.
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      , mumbai
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "Doing great job "
      0.5 4.0/5 "Great!"
      It's easy to apply for a credit card in this site no need of go to bank and wait there. Thank you bank bazar for this simple process the way they treat customers with out any language problems I had just now submitted my documents online. Simply good..
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      , hyderabad
      Reviewed on Jul 18, 2017
    • Kotak Credit Card
      "Very worst service"
      0.5 0.5/5 "Unacceptable"
      I am using urbane Kotak credit card but very pathetic customer service from Kotak ... wrong charges up to 3000 for my card also no fuel surcharge & offers. I want to use another banks credit card like hdfc,icici. Customer service is very bad as no one hears customer problems.
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      , pune
      Reviewed on Jul 18, 2017
    Common Loader Icon

    Interest-free Grace Period on your Credit Card is Rated as "Excellent!" by 36247 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Understanding the benefit of a good number of days of grace period is important, when choosing a credit card. Interest-free grace periods help you save a substantial amount every year.

    Points to Remember:

    • Grace period is the timeframe between your bill cycle’s end to the payment due date. It is only interest-free if you pay your due payments on time. If you make your payment on time in full, consistently, sometimes the bank gives you a break on interest on your card for the present billing period.
    • Credit card companies are not required to provide a grace period, however most of the banks grant a grace period between 20 to 60 days in India. It is also referred to as the interest-free period. For those who struggle to make their payments on time, it may be tough to make payments in full and qualify for the grace period.
    • If you carry a balance from a previous billing cycle to the next, then there is no possibility for you to enjoy the leeway of grace period on your credit card.
    • However, grace period does not apply on the cash advances on your credit card issued by most banks in India. So, if you withdraw cash using your credit card, interest will be charged until the payment is fully cleared.
    • If, you as a cardholder do not pay your bill on or before the due date, interest is applied on your entire outstanding amount as well as the new purchases made using the credit card.

    Example:

    Let us try and understand interest-free period on your credit card with an example:

    For instance, Seema is a credit card user. Being a first time credit card user, she makes a purchase of Rs.2200 on the first day of her billing cycle for the month. At the end of the billing cycle, she pays off her outstanding balance on the due date, clearing her balance. Therefore, she will not be charged any interest in her purchases in the next month. This is wise use of grace period.

    What if, Seema left Rs.200 of her balance unpaid from the first month? The unpaid Rs.200 would start accruing an interest, right from the beginning of the billing cycle. The purchases made during the second months are also hit by interest charges. Although, it may not be a huge amount month-wise, but if Seema continues the pattern month-on-month, she could end up suffering a substantial amount of loss over a year.

    Thereby, it is very important how you can save yourself from being charged interest during the grace period granted by the bank. Cardholders must remember that if credit card bill payment is not up to date and not paid in full, he or she cannot enjoy any grace period.

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