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

    • Kotak Credit Card
      "Convenient credit card"
      0.5 5.0/5 "Blown Away!"
      Kotak service is very good, their customer service is giving very good response. I am not using my credit card frequently but whenever I use my credit card it gives a wonderful experience. Kotak credit card bills are very clear and transparent, they give proper details about the transaction.
      Was this review helpful? 0
      , mangalore
      Reviewed on May 19, 2017
    • HSBC Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the HSBC bank credit and the charges are nil with them. I got this credit card before six months of time and the payment option are good one with them. Customer services are good one with them and am very happy with them.
      Was this review helpful? 0
      , chennai
      Reviewed on May 19, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I would like to say that HDFC bank credit card is a kind of okay and am using it from the last six months of time. Credit limit value is around 70000 Rupees and am happy with that and I used to get the offers them like the movie tickets and discounts, cash backs . Customer service is good one with them.
      Was this review helpful? 0
      , chennai
      Reviewed on May 19, 2017
    • HSBC Bank Credit Card
      "Average "
      0.5 2.0/5 "Expected more"
      I had closed the credit card with the HSBC bank and it works good . Customer service was good one with them and the support is also good. Charges as well as interest rate were huge while compare with the market scenario.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 19, 2017
    • Axis Bank Credit Card
      "Features are good"
      0.5 4.0/5 "Great!"
      There are no charges for my credit card and I am also happy that there are no issues in using it. The card is accepted all over and the limit the bank has provided has been good enough as well. There are good deals on and off and Axis bank informs me about it too.
      Was this review helpful? 0
      , indore
      Reviewed on May 19, 2017
    • HDFC Bank Credit Card
      "Good offers"
      0.5 4.0/5 "Great!"
      It is nice to use the services of HDFC Bank for a credit card as they provide a lot of good offers on the card. The rewards are beneficial and also the discounts that are available on various products. The services what they render is very much supportive to me.
      Was this review helpful? 0
      , indore
      Reviewed on May 19, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra League Platinum credit card for about past 2 years. I got benefits like reward points cash back offers and gift vouchers and movie tickets offers and other benefits . The rate of interest is nominal with this card . Overall I am happy using this card.
      Was this review helpful? 0
      , jalandhar
      Reviewed on May 19, 2017
    • HDFC Bank Credit Card
      "Good services"
      0.5 4.0/5 "Great!"
      HDFC Bank is good in the credit card services but I have not tried the loan facility yet. The balance transfer option is there and the EMI features are also there. The customer services and response is good and there are no charges taken for the card.
      Was this review helpful? 0
      , indore
      Reviewed on May 19, 2017
    • ICICI Bank Credit Card
      "Satisfied with the benefits"
      0.5 5.0/5 "Blown Away!"
      The offers on my credit card is the best and the credit limit too. ICICI Bank has also offered me a balance transfer option on the card which is helpful and also a loan and EMI facility. The statements are clear and it is well explained about the transactions.
      Was this review helpful? 0
      , indore
      Reviewed on May 19, 2017
    • HDFC Bank Credit Card
      "Good "
      0.5 3.0/5 "Satisfactory"
      I do have HDFC bank credit card from the last 2.5 years of time. Customer service is good one with them and the credit limit dint worked well for me , also they have reduced the credit limit value. Response and other aspects are good one with the HDFC bank credit card and the offers are nil one with the HDFC bank credit card.
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      , secunderabad
      Reviewed on May 19, 2017
    • ICICI Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I do hold a credit card with the ICICI bank and am having it from the last 2.5 years of time. Customer service is really good one and I made the payment to them via ECS , so there are no reminders, also I did not get any calls from them. ICICI bank credit card is pretty good and its depends up on the income.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 19, 2017
    • Axis Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I hold a credit card with Axis bank and the bank is good at their offers as well. The online banking is good where I can view my credit card transactions and the statements they send me are also clear. There are no charges taken for the card. Overall good.
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      , kolkata
      Reviewed on May 19, 2017
    • HDFC Bank Credit Card
      "Better "
      0.5 4.0/5 "Great!"
      I hold a credit card of HDFC bank credit card and the main drawback is it lacking with the option to convert the transactions in to EMI. They have told that the EMI conversion is only applicable on the selected offers. Customer service is not up to the expected level.
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      , chennai
      Reviewed on May 19, 2017
    • Bank Bazaar Customer Support
      "Awesome Bankbazar"
      0.5 4.5/5 "Excellent!"
      Its wonderfull reviewing BankBazar i find it very Easy, and the response from the executives is wonderfull , many a times i find it yak with other customer centers , but here i find it so awesome with quick response and cheering customer service ,thanks again
      Was this review helpful? 0
      , bangalore
      Reviewed on May 19, 2017
    • HDFC Bank Credit Card
      "Convenient and good featured credit card"
      0.5 5.0/5 "Blown Away!"
      Past one year, I am using HDFC Times credit card it is good, if suppose I am not making credit card payment on due date, HDFC gives one and half month time as a grace period to make the payment, they won't add any late fee, its the good part and they giving other offers on petrol, movie ticket like buy one and get one at bookmyshow.com, HDFC giving 2 points for 100 rupees spent.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 19, 2017
    • SBI Cards Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      I am using Simply save credit card from SBI, they wont charge any annual fee or other fee. I am happy with that and they gave many exciting offers on fuel surcharge, reward points etc. I could convert the purchase amount into an EMI without any charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 19, 2017
    • Standard Chartered Bank Credit Card
      "Wonderful "
      0.5 3.0/5 "Satisfactory"
      I do have credit card of Standard chartered bank and the credit limit value is around 20000 Rupees. I used to get the offers, however I am not expecting much offers from them. Customer service is good one with them. On the same lines, It would be nice, if they give some extension with respect to number of days in making the payment.
      Was this review helpful? 0
      , chennai
      Reviewed on May 19, 2017
    • Canara Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      Canara bank has offered me a credit card and the services on the card are not to my satisfaction. When I purchased something they billed me twice , there was a duplicate entry in my statement and when I reached out to them they took more than a month to rectify that transaction and for the same to reflect in the statement.
      Was this review helpful? 0
      , namakkal
      Reviewed on May 19, 2017
    • HDFC Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been excellent in the credit card features. The credit limit is good and the offers are the best. Best of all, the services are good as they do no mess up with my statements. They are responsive when I approach them for a clarification.
      Was this review helpful? 0
      , namakkal
      Reviewed on May 19, 2017
    • Kotak Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Previously I used Trump credit card of Kotak Mahindra it had low credit limit around Rs.25,000, recently they had given Kotak League credit card with nominal limit. I guess they are providing good reward points or cash back offers. It normally takes about a day's time for the payment to get reflected in the system the payment does not get reflected instantly.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 19, 2017
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    Credit Cards with Low Interest Rates is Rated as "Excellent!" by 34595 Users

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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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