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

    • Citibank Credit Card
      "Petrol waiver card"
      0.5 5.0/5 "Blown Away!"
      The response is really good with CITI bank customer service. I hold Indianoil credit card for past 2 years. This Indianoil card is used for fuel purposes. This card has the reward point which can be redeemed for fuel which is a very good benefit. I am happy with the credit limit. The rate of interest is nominal with this card. Overall I am satisfied with Indian oil card service.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 25, 2017
    • Citibank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      It is a life time free credit card with Citibank and the services are excellent from them online as I can see all my transactions I do on the card. The offers are also constant and the credit limit is good. I am happy that there has not been any hassles in banking with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • HDFC Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I had been using HDFC credit card for last two years, its easy to use anywhere. I am holding domestic credit card its accessible all over in India without any charges and its life time free credit card. I used to get discounts on billing payment and discounts on fuel too.
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      , aurangabad
      Reviewed on May 25, 2017
    • HDFC Bank Credit Card
      "Satisfied with the services"
      0.5 4.0/5 "Great!"
      The services at HDFC Bank is good and they are customer friendly. I hold a credit card and I am happy with what ever is provided to me. The credit limit is decent and the overall services is also good and there are no issues in me using my card online or offline. I get intimated instantly about my transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • American Express Credit Card
      "Very good card to use"
      0.5 2.5/5 "Just OK"
      The American express platinum Travel credit card is not used in all the places. I am using it for past 2 months. There are lot of benefits with this card, but then I don't use this card much. The benefits like travel expense and the airport lounge and the reward points are available with this card. The rate of interest is too high when compared with others. I would like to suggest that AMEX card must work everywhere.
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      , bangalore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      When I had been offered this card, i was told it was that the credit limit would be good but the credit limit they have offered is 16k which is very low. The most important feature is on line banking with sufficient credit limit I have called the bank to increase my limit but they just said " Sorry sir no offers running now".
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      , udaipur
      Reviewed on May 25, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      HDFC provided life time free card, I am yet to compelte one year with HDFC. I did not receive reward points and cash back offers from the bank. I have to check with the bank for the reward points and the credit limit is one lakh. Their services are good and approachable.
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      , hyderabad
      Reviewed on May 25, 2017
    • Axis Bank Credit Card
      "Good credit card"
      0.5 4.0/5 "Great!"
      AXIS is giving higher reward points and cash limit is good compared to other credit card, I am using VISA credit card. Whenever I used to shop with Flipkart they are giving 5% of discount at online shopping, I am very fine to use this AXIS credit card.
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      , hosur
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      ICICI credit card billing option is very good they are giving 45 days of time to make the payment. Grace period duration is good. But ICICI credit limit is not good and it is not sufficient and we don't have option to make payment from one card to one card, that has to be improved.
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      , hosur
      Reviewed on May 25, 2017
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      HDFC Bank needs to improve on the offers on the credit card. They provide a good credit limit but when compared to the offers they need to provide more features. The services are good and they are responsive as well when I send emails or when I contact them over the phone.
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      , pune
      Reviewed on May 25, 2017
    • American Express Credit Card
      "Good to Use"
      0.5 5.0/5 "Blown Away!"
      The good features are there on my Amex credit card is I am getting more reward points on the card also I believe that they are giving some offers on flight ticket bookings. The annual charge is 1000 rupees and I am happy using my Amex credit card.
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      , hyderabad
      Reviewed on May 25, 2017
    • IndusInd Bank Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      Indusind bank is good for credit cards but I am not getting that much offers on the credit card. Also. I had no chance to use the card because I have other bank cards where I have good features and lot of offers on it. The annual fee for the card is rs500. Just holding the card however I had not used this card till date.
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      , hyderabad
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank is also very good for the credit card services. They offered good features on the card and I have a lot of benefits if I use ICICI credit card. Reward points and cash back offers are default feature on the card. Moreover, their overall service is too good.
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      , hyderabad
      Reviewed on May 25, 2017
    • HDFC Bank Credit Card
      "The best choice"
      0.5 5.0/5 "Blown Away!"
      As per my experience with all the banks, I could say that the HDFC bank is the best bank for credit card, they are good in all the aspects. They offered regalia card with no annual charges. Credit limit is one lakh which is enough. Each and every time they used to credit reward points also it is very easy to redeem those points on shopping.
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      , hyderabad
      Reviewed on May 25, 2017
    • Citibank Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      CITI bank is good for credit card but I am not using it because I got good credit limit and other offers with other banks like HDFC and ICICI bank. Earlier I was using CITI card the most but nowadays I just keeping the card but no usage on it. Also I am thinking to surrender the card.
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      , hyderabad
      Reviewed on May 25, 2017
    • Bank Bazaar Customer Support
      "nice way to apply"
      0.5 5.0/5 "Blown Away!"
      Nice way to apply credit cards especially it shows awesome offers regarding credit card & approval within 24 hours that is very great option in this website very good I would like to refer my friends, family collegeus and my company employees too.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good to Hold this card"
      0.5 4.0/5 "Great!"
      Specialty about my Ferrari Platinum credit card has good reward points compared to any other cards, I used to get points for every transactions. I think 1 points - 25 paise its good, this card help me on my needs. I am using this credit card for past two years I got many offers in movie tickets like buy one get one free along with that I used to get payback points, I could redeem for mobile recharge.
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      , gurgaon
      Reviewed on May 25, 2017
    • HDFC Bank Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      Am happy with HDFC Bank for the services they offers and for the offers on the credit card. Everything is perfect on my card, the statements has never gone wrong and it has always on time. The repayment options are also convenient for me and more than all , it is a transparent process.
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      , baddi
      Reviewed on May 25, 2017
    • Citibank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Citi bank credit card is very good in terms of their services. They have given me CITI rewards card and the credit limit they have offered me is very less just 36000 rupees and I was also confirmed that the reward points can be convereted into cash back.
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      , pune
      Reviewed on May 25, 2017
    • HDFC Bank Credit Card
      "Good. Can do better"
      0.5 5.0/5 "Blown Away!"
      I also bank with HDFC bank for a credit card and I would suggest that the bank needs an improvement in the credit limit and the portal has to be more user friendly like SBI. There are so many options I need to go through to check about my transactions.
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      , bangalore
      Reviewed on May 25, 2017
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    Paying by EMI is convenient, cheaper than revolving card dues is Rated as "Excellent!" by 34791 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Tresa received a whopping bonus from her organization two months ago. She was ecstatic and bought gifts for everyone in the family as well as gave her living room a makeover. She purchased a 50-inch high-definition LED TV and a swanky sofa set. Oops! The bills too went a bit overboard and now she has a sizable credit card due. There is no possible way to pay the entire amount before the last day.

    Now what is she to do? What will you do if you were in her place?

    Exploring Traditional Options:

    Most credit card companies offer the option of partial payment. But you will be paying a good amount as interest alone until the entire bill is settled. This is quite a pricey option. In fact some banks and credit card providers impose a rate as high as 36 percent on outstanding credit card amount.

    You can go for a personal loan or a secured loan (like loan against your FD or gold) to pay back the amount owed. In this scenario, the rates are lesser compared to credit card dues. Lenders levy 13 to 22 percent interest on personal loans and between 10.5 to 12.5 percent on loans against FDs. But you need to go through the entire loan application procedure that include applying, paperwork, waiting for approval until it is finally given to you.

    Converting Credit Card Dues to EMIs:

    Conversion of your credit card outstanding dues to EMIs is a stress-free and more suitable option if you are worried about not meeting the payment deadline. This method is not very old and is already quite popular among credit card users. You can settle the amount in a period of three months to one year. Here, the rates are usually half of the interest on remaining credit card dues. So if you are levied 30 percent interest rate, you need to pay only 15 percent. Credit Card dues to EMI conversion does not require any formal application or long paperwork. You simply have to get in touch with your bank or credit card firm via email or in person and request for the option.

    Nowadays, many financial institutions and card companies provide customers with this option. Indeed, if your bank has an affiliation with the shop or e-commerce website you shopped from, you may directly go for the EMI while shopping. As per the survey undertaken by First Data, the amount spent using credit cards using EMI have escalated by ten times in one year. This conclusion was formed on the basis of statistics on credit card spends between 3rd and 23rd October 2015 and between 3rd and 14th October 2014. But you can avail this option only for online payments. The Reserve Bank of India fortified the disclosure norms around EMI expenses the previous year. Hence the shops, websites, stores and lenders are supposed to inform the EMI-paying customers of the real interest rates (including hidden charges).

    You must always remember that the credit limit on your credit card will go down to the extent of the EMI and you can use only the limit left over. Also, the EMIs have to be paid in time as late payments can attract quite high rates. This is why most people recommend this option only for high end purchases like consumer durables, electronic items, fixtures, furniture, iPhone, tablets, laptops, vacation packages and so on. Another disadvantage is that if you are shopping on EMI, you might not get the rebate that is given to those willing to make the complete payment. Remember to enquire this at the store (online or offline) before taking this step. So let us safely assume that converting the dues to EMIs is certainly the best option for Tresa.

    Summing up, let us lay out the top reasons to sign up Credit Card to EMI Conversion:

    • Lesser rates of interest
    • Zero documentation or frazzling procedures
    • Freedom to pay back at a more leisurely pace
    • Choice of loan term ranging from three to twelve months
    • Same rate of interest throughout the tenure
    • Nominal to nil processing fee on converting the dues to EMIs
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