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
      " One stop for loans/credit cards"
      0.5 5.0/5 "Blown Away!"
      Very good place...Bank Bazaar is a place where one can find the solution for the people who are looking for loans/credit cards, easy to compare with other banks, where you can choose the best of the best for Loan and credit cards. Bank bazaar is a very good place for Loan and credit cards.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 23, 2017
    • Kotak Credit Card
      "Worst Credit Card among all"
      0.5 0.5/5 "Unacceptable"
      I am using various credit cards, amongst them the worst is Kotak Mahindra Card. Dont go for this credit card ever. An incident occured when I have to pay an amount of 11078 ruppes of which I paid 10000, so they charge a fine of 800 ruppes in that amount. When I spoke to customer care they said that you have to pay this amount and in case any problem you can close the credit card. I was out of my mind like what the service was this. Dont go for this credit card ever.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 23, 2017
    • Bank Bazaar Customer Support
      "Excellent service ."
      0.5 5.0/5 "Blown Away!"
      Always maintaining the needful support and services . We have an wonderful app designed to speed up the process of getting quick response and approval . Also it reduces the time ,I appreciate your time and effort which gives us a better banking experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 22, 2017
    • Bank Bazaar Customer Support
      "Nice good response really good and its trustworthy too "
      0.5 5.0/5 "Blown Away!"
      Nice good response is really good, he also helped me in saving my time. He is really excellent, fast processing I think all can join bank bazaar evey easy to help and I will trust bank bazaar as it provides good opportunity for the first time caller for help and this site works really nice.
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      , bangalore
      Reviewed on Jul 22, 2017
    • Axis Bank Credit Card
      "PATHETIC SERVICE"
      0.5 0.5/5 "Unacceptable"
      ONE YEAR BEFORE I HAD ASKED FOR THE BANK AND CUSTOMER CARE EXECUTIVES FOR THE CHANGE OF BILLING DATE.MORE THAN 10 TIMES VISITED TO MAIN BRANCH AND CUSTOMER CARE TEAM ALSO NOT PROVIDING INFORMATION. IT'S EFFECTING YOUR BRAND IMAGE AND LOOSING HOPE DAY BY DAY. VERY STRANGE.
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      , vijayawada
      Reviewed on Jul 22, 2017
    • Bank Bazaar Customer Support
      "Good customer Service "
      0.5 5.0/5 "Blown Away!"
      It was a great pleasure taking with the bank bazaar executive thay are highly skilled professional and very useful to me saved lot of time and energy of mine. I got approved sitting in my office, Good follow up and closure we can call end to end..
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      , chennai
      Reviewed on Jul 22, 2017
    • Bank Bazaar Customer Support
      "EXCELLENT WEBSITE"
      0.5 5.0/5 "Blown Away!"
      I got a very good response from bankbazaar .com I am very much happy to get associated with you. Thanks to you all for Making me a part of bankbazaar.com and also I wish that you will be the Best in the Nation and in the globe. Once again thanking you..
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      , vadodara
      Reviewed on Jul 22, 2017
    • Bank Bazaar Customer Support
      "User friendly"
      0.5 5.0/5 "Blown Away!"
      Hi I am very much happy with this app , its very easy to find credit cards, loan, home loans , etc personal loan really good response which was provided by customer care , very good response, very well tried , it's looks lovely , with in a minute we can apply for loan credit cards and it is very much user friendly, thank you so much.
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      , bangalore
      Reviewed on Jul 21, 2017
    • Bank Bazaar Customer Support
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I got a very good response from bankbazaar .com I am very much happy to get associated with you. Thanks to you all for Making me a part of bankbazaar.com and also I wish that you will be the Best in the Nation and in the globe. Once again thanking you..
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jul 21, 2017
    • Bank Bazaar Customer Support
      "Good and easy process"
      0.5 5.0/5 "Blown Away!"
      It is a very easy and good process for application for getting the credit card. Even very easy and free to get your credit score online. I already tried once and I got my credit score on my mail Id. I will suggest all my near and dear friend about this site.
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      , mumbai
      Reviewed on Jul 21, 2017
    • Bank Bazaar Customer Support
      "Good"
      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 Bank bazaar .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.
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      , chennai
      Reviewed on Jul 21, 2017
    • Bank Bazaar Customer Support
      "Online Application for Credit Card"
      0.5 5.0/5 "Blown Away!"
      Its really amazing. I have applied online for Credit Card. Also, all the required documents uploaded smoothly online. Really excellent service. The entire process of applying is very userfriendly and easy to handle. Size of the uploading documents was maximum 3 MB which is more than requirement. This becomes hasslefree experince in uploading the documents without any trouble like excess size, excess dimention etc.
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      , new delhi
      Reviewed on Jul 21, 2017
    • Bank Bazaar Customer Support
      "Happy about bank bazaar "
      0.5 5.0/5 "Blown Away!"
      It is a good to know about the fast response of the bank bazaar and through them our details regarding personal loan credit card etc. Wish many happy days ahead with bank bazaar. I want to apply for the personal loan and vehicle loan. If I am eligible please let me know about it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 21, 2017
    • 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...
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 20, 2017
    Common Loader Icon

    Pay your health insurance premium through Credit Card EMI is Rated as "Excellent!" by 36247 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    James and Roshin enjoyed the benefits of company-sponsored health and medical coverage for the initial eight years of their married life. In the course of that time, health cover premiums were subtracted from remuneration and distributed on their behalf. While disbursing premiums with pre-tax cash had with its own perks, it also implied that the couple could not make rewards (or points) on all the amount they were spending. After a few years, they had their own start-up and started purchasing their own cover. They were excited to find that premiums can be paid with their credit card. Even though it ended up as extra spending on credit, which is not ideal, it certainly made things easier for the couple.

    Introduction:

    Are you burdened with debt because of hospital bills or costs of medicine? Please know that you are not the only one. There are countless low and mid-income Indians who pay their medical expenses using credit cards, which is a mark of huge burden inflicted on Indian families by increasing medical expenses. Recent data shows that health care expenditure has risen by six percent in the previous year alone. Many do not have adequate health insurance. This evidently made people think that it is better to buy health insurance using credit cards rather than pay off endless bills using credit card. The trend of paying health insurance premium through credit card EMI emerged as a result.

    Health insurance is essential for one and all. Unlike before, when you had to pay for your health indemnification using cash or cheque, insurance companies these days agree to take credit card payment towards the premiums. Thanks to the prevalent usage of plastic cash, this way of paying is, in effect, gaining more popularity. But how practical is it to buy your health cover using your credit card? Let us explore the pros and cons of the same. Customers nowadays enjoy umpteen choices when it comes to choosing personal and / or family health insurance covers and shelling out regular premiums. Paying for personal insurance will make it easier to chalk up reward points and air miles.

    Why pay health insurance premium via credit card:

    The main benefit while paying your premium using your credit card is that your bank balance amount will not go down instantly. That is, you shall postpone the flow of money from your savings account. You may also accrue reward points on your credit card for this particular expenditure. If you have availed a significant health insurance, your regular premiums will also be higher. This shows that you can assimilate more number of cash points for your purchases. But what if you were to go for a credit card payment just because you can adjourn the money outflow and fetch points? It can end up quite badly if you are not vigilant with your usage of credit card.

    What can go wrong with paying premiums using credit card?

    Automated-mode: Firstly, you must make sure that the annual imbursement is not set in the 'automatic-pay' mode. Many insurance firms offer their customers that option. If you click on the option 'yes', the money is debited from your credit card account every annum. Even though this seems like a perfect way to keep to the deadlines, it is strongly recommended that you do not go for this.

    If you are not satisfied with the health insurance firm’s product and services, you can port your insurance policy to any other company. Pre-setting your premium payments using the credit cards can make the procedure all the more complex if you wish to change your health provider, not to mention, premiums are at times escalated without notifying the policy user and the increased sum is deducted from your credit card account. Every credit card provider discourages customers to share their credit card info with the insurance company or to sanction an intermediary to withdraw money from your credit card under any situation.

    Extra fees and charges: When you use your credit card for shopping (online or offline), you will be imposed an additional fee on top of your premium money. This could either be a certain share of your premium money or a uniform fee. The charge levied differs from one insurer to another. However, every credit card payment involve a transaction charge. This is because the health insurance company will consecutively have to shell out that amount to the credit card provider. This added fee you pay may seem like a negligible sum, but why give more when you have options that do not come with any additional charge?

    Missing due payment dates: Credit card interests are often perceived as sharks. You won’t know its strengths until you get caught. Unlike other payment modes, the not-so-slight hitch about credit card payment is that if you miss your deadline, interest piles up. Moreover, you will be levied a late payment charge too. The cash you will have to pay extra will be a lot more than you think.

    Summing up:

    Whether or not you must buy health or medical insurance via credit cards is dependent on your financial discipline. If you are cautious in utilizing your credit card(s) and are punctual in your premium imbursements, you pay your health insurance premiums using the card. If not, you would do better to adhere to usual payment modes like hard cash or cheque.

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