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

    • HDFC Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      I am holding Titanium visa from HDFC, its a life time free credit card, I am holding it for seven years. HDFC won't charge anything extra, I never face any issue with that. I really appreciate about the billing part. Offers are same like other bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 28, 2017
    • ICICI Bank Credit Card
      "Interest rate should be nominal"
      0.5 5.0/5 "Blown Away!"
      Recently I done balance transfer from ICICI to HDFC because ICICI offered me 14% of interest on personal loan hence I switch over to HDFC for the interest rate of 12% it was low. I have paid the entire amount with 5% of interest on outstanding amount.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 28, 2017
    • Axis Bank Credit Card
      "Need Improvement with the customer service"
      0.5 3.0/5 "Satisfactory"
      I tried reaching axis bank customer service but I can't reach them ever. The credit limit with this axis card need to be increased. The rate of interest is nominal with axis. The axis bank executive told its not possible to increase the credit limit because what I was having is a basic card with Axis bank. Even I have applied for the another card but there was no response from them.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 28, 2017
    • HDFC Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      For past one year I have been using HDFC Money back credit card, It has good cash back. For all kind of shopping HDFC is providing good cash back offers. I am pretty much happy about that. I used to get good notification and reminder call from HDFC on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 28, 2017
    • SBI Cards Credit Card
      "Very good card"
      0.5 4.0/5 "Great!"
      I have applied for the Simply save card with SBI. The Sbi executive came to my place and collected all the documents to process for the credit card. They have explained me about the card. I have reward point, cash back offers and other facilities with this card. I would say, It is very good card to use because many of the customers are using it and the credit limit also high when compared with other bank card. The interest rate is high when compared with other bank cards.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 28, 2017
    • HDFC Bank Credit Card
      "Average card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC bank money back credit card for past 4 months. This card has the reward point, cash back offers, the fuel surcharge waiver. I am happy about the credit limit. The rate of interest is low when compared with others. The credit limit can be increased in future. I am happy using this Hdfc bank card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 28, 2017
    • HDFC Bank Credit Card
      "Communication and Service part needs to be improved"
      0.5 1.0/5 "Really Bad"
      I was holding a HDFC credit card earlier later due to certain issues I had closed it. Without any intimation HDFC charged some credit card fee and I am holding salary account with same HDFC, hence they deducted Rs.40,000 from my account. I tried to inquire about the credit card charges and their customer service, But their response was very bad and they were very rude to me. Hence I closed all my accounts that I had with HDFC.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 28, 2017
    • ICICI Bank Credit Card
      "Better credit card"
      0.5 4.0/5 "Great!"
      I am using ICICI coral card, it has good reward points. In HP bunk petrol filling they used to get 2 points and for every 100 spent I am getting 1 point, still now I haven't redeem anything. ICICI offered the credit limit around Rs.40,000 its fine for my basic needs.
      Was this review helpful? 0
      , erode
      Reviewed on Jun 28, 2017
    • HSBC Bank Credit Card
      "Unprofessional"
      0.5 4.0/5 "Great!"
      Interaction with the HSBC executive was not satisfactory. The executive was not professional. Not informative. The executive was willing to convince the customer. The executive was well trained and reluctant to provide required information. The executive was only concerned about documents.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 28, 2017
    • Bank Bazaar Customer Support
      "World Best Opportunity Easy To Apply N Easy To Use Go Head.."
      0.5 5.0/5 "Blown Away!"
      Thank you bank bazaar you providing a best opportunity.Its Very Easy To Apply N Very Important Things Is Time Saving.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
      , hyderabad
      Reviewed on Jun 28, 2017
    • Bank Bazaar Customer Support
      "Credit card application"
      0.5 4.5/5 "Excellent!"
      Credit card application make easy with exciting gift coupon other than applying it from out side vendor. You can upload all documents online too. It will not take more than 5 minutes from your schedule. Thank you Bank Bazaar team to fulfill my banking needs
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 28, 2017
    • HDFC Bank Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      I do have HDFC credit card but I use very rarely, because I had an experience. I tried to pay the hospital bill by HDFC credit card but the machine was accepted my credit card then paid through my debit card, I use 99% only debit card. I am holding HDFC diner club card its a life time free credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 28, 2017
    • 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? 1
      , 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
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    Credit Cards with Low Interest Rates is Rated as "Excellent!" by 35853 Users

    Fees & Charges

    Promised Interest Rate

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    Credit Card BYTES FROM OUR KITCHEN

    Owning a credit card is a status symbol only until it becomes a liability. Other than attractive features and exciting deals, you must also be aware of fees, charges and interest rates being charged for the card. Monthly interest rate is the most important feature to be considered while selecting a credit card. A credit card with low interest could be a saviour for those who want to clear their debt from an existing credit card or purchase something very expensive. However, the approval process for these cards becomes easier if you have a good credit rating.

    Credit cards offering interest rates as low as 1.5% to 2.99% are considered to be low. Given below is a list of some of the low interest credit cards that are being offered in the country:

    SBI Advantage Gold & More Credit Card:

    The Advantage Gold & More Credit Card from SBI comes with a joining fee of Rs.499, regular interest rate of 1.99% and a cash advance fee of 2.5% per month. The card also offers other attractive features such as Cash Point for every Rs.100 spent, up to 2.5% value back with cash points earned from grocery and departmental store shopping and a 50 days credit free period.

    HDFC Infinia Credit Card:

    The Infinia Card from HDFC is a credit card with a regular interest rate and cash advance fee as low as 1.99%. However, the joining fee and renewal is high at 30,000 at 10,000 respectively. The card does not have a pre-set spend limit and also lets you collect 5 Reward Points with every transaction worth Rs.150.

    Citibank Rewards Credit Card:

    With absolutely zero joining fee, the Rewards Credit Card from Citibank offers a regular interest rate of 3.15% and a cash advance fee of 2%. It comes with attractive features such as up to 10X Rewards, every time you shop from some popular apparel and department stores.

    First Citizen Citibank Titanium Credit Card:

    With zero joining fee as well as renewal fee, Citibank’s First Citizen Titanium card is available with a regular interest rate of 3% and a cash advance fee of 2%. Credit cardholders can avail reward points, vouchers and other first use benefits at some stores.

    ICICI Bank Instant Platinum Credit Card:

    The ICICI Bank Instant Platinum Credit Card is available at a regular interest rate of 2.49% and a cash advance fee of 2.49%. There is no joining fee or renewal fee on this card. Cardholders can avail interest-free credit of up to 48 days on purchases made using the card.

    Kotak Velocity Platinum Credit Card:

    The Velocity Platinum Credit Card can be availed at a low interest rate of 3.10% pm. Joining fee of Rs.499 is waived for the cardholders of this card. The renewal fee of this card is Rs.499, while the cash advance fee is 2.5%. Other attractive features include a 2.5% fuel surcharge discount in all petrol pumps in India.

    First Citizen Platinum Credit Card:

    The First Citizen Platinum Credit Card from Citibank is available at a regular interest rate as low as 2.5% pm and a cash advance fee of 2%. With this card, you can earn up to 5% on your shopping expenses at Shoppers Stop. Both joining fee as well as renewal fee of this card stands at Rs.1500.

    Jet Airways Citibank Titanium Credit Card:

    Citibank offers the Jet Airways Titanium Credit Card with 2.5% regular interest rate per month and 2% cash advance fee. The card comes with a facility to earn double JPMiles on Jet Airways tickets. On this card, you can earn 1000 JPMiles for every first time use of the card each year.

    SBI Advantage Platinum Credit Card:

    The Advantage Platinum Credit Card from SBI can be availed at a low interest rate of 1.99% pm and a cash advance fee of 2.5% pm. Although both joining fee and renewal fee is quite high at Rs.2999, you can earn up to 5X Cash Points from your shopping at Departmental Stores, Dining or International spends.

    ICICI Bank Instant Gold Credit Card:

    With a regular interest rate as low as 2.49% pm and cash advance fee at the same rate, the Instant Gold Credit Card from ICICI Bank is a great choice if you are looking for credit cards with low interest rates. It does not require any joining fee, neither does it have any renewal fee, making it all the more affordable.

    SBI Advantage Plus Credit Card:

    The SBI Advantage Plus Credit Card charges a meagre joining as well as renewal fee of Rs.500. It also comes with the minimum regular interest rate of 1.99% pm and a 2.5% pm cash advance fee. Additional feature includes a credit free period of 50 days.

    TATA Empower Credit Card:

    With absolutely zero joining and renewal fee, the TATA Empower Credit Card comes with a low regular interest rate of 3.35% pm and 2.50% pm. Along with the affordable charges on the card, cardholders can avail up to 4% value back at Tata stores and its partner stores and products.

    HDFC Regalia Credit Card:

    At a low regular interest rate of 1.99% pm and a 2.5% cash advance fee, this luxury card makes an attractive deal. Offered by HDFC, the Regalia Credit Card requires cardholders to pay a joining fee of Rs.2500 and a renewal fee of the equivalent amount. Additionally, it grants a welcome benefit of 2500 Reward Points.

    HSBC Platinum Credit Card:

    The HSBC Platinum Credit Card comes at a regular interest rate of 3.10% and 2.5% cash advance fee, per month. Cardholders can also get 8000 Reward Points as a welcome gift. Apart from these charges, the card incurs a joining fee of Rs.6000 and a renewal fee of Rs.2000. The card’s Reward points can be redeemed for air mileage points.

    HSBC Gold Credit Card:

    Cardholders of HSBC Gold Credit Card can enjoy a low monthly interest rate of 3.3% and a cash advance fee of 2.5%. HSBC does not require any joining fee for this card, however renewal fee of Rs.2000 is charged by the bank at the time of card renewal.

    HSBC Classic Credit Card

    With attractive features such as Zero lost credit card liability benefit, the Classic Credit Card from HSBC offers a regular interest rate of 3.5% pm and a cash advance fee of 2.5% pm. The card does not incur any joining fee but a renewal fee of Rs.700 is charged by HSBC upon card renewal.

    However, there are ways to lower the interest rate on your existing credit cards, they are:

    • Always pay your bills on time and if you maintain it for a decent enough time, you can request the bank to further lower your present interest rate.
    • By making your payments in full or excess, you could create a good record with company and avail a low interest rate.

    Before you make a choice, don’t forget to compare, research, analyse and then decide on the best credit card for you.

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