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

    • SBI Cards Credit Card
      "Satisfied"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and I am satisfied with the deals I get on my card. There are no charges and the offers that I get online is really good. There are cash back offers and the rewards are also satisfactory. The credit limit is also up to the mark.
      Was this review helpful? 0
      , guntur
      Reviewed on Jul 25, 2017
    • Bank Bazaar Customer Support
      "Good"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar is good ,it helps me a lot and make life easy in many ways,sometimes but their executives were much annyoing as, when they call me only bcz I searched for some product,but overall it's very helpful ,it is a full of information with proper guidance and help.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 25, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got HDFC bank platinum times card 5 years ago. The customer service and the response is very good with HDFC bank. I get the rewards points , Cash back offers by using this card. I use this card for only purchase purposes. I am not happy about the credit limit, still they can increase my credit limit in future. I am satisfied using this platinum times card.,
      Was this review helpful? 0
      , narasaraopeta
      Reviewed on Jul 25, 2017
    • Bank Bazaar Customer Support
      "Good app"
      0.5 5.0/5 "Blown Away!"
      Your application is a smart application , very much user friendly, even your communication is very good , I didn't find any app like this , , very good response from telle callers too, very good to apply for credit card, personal loan, home loan etc.
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      , bangalore
      Reviewed on Jul 25, 2017
    • Bank Bazaar Customer Support
      "Smart way to get credit card"
      0.5 5.0/5 "Blown Away!"
      It's gentle and easy method to apply for credit card without the intervention of human being. If the documents to be submitted had been communicated in the first page, then I would have prepared for the same. Anyways I liked it. You have to have the referral link to share for the friends.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 25, 2017
    • ICICI Bank Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I earlier held a credit card with ICICI Bank and as long as I used it, there were no issues. I received good services. The offers were always on and the statements was proper too. In all there were no issues as such on the charges as well. Overall a nice experience.
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      , mumbai
      Reviewed on Jul 25, 2017
    • Bank Bazaar Customer Support
      "I'm thankful to bank bazar accepted my request "
      0.5 5.0/5 "Blown Away!"
      Bankbazar is wonderful and good service quick response to customers very helpful operators I'm thankful to bank bazar accepted my request And I was able to apply for a credit card only two minutes and they provided quick response to me and I am done with the application.
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      , new delhi
      Reviewed on Jul 24, 2017
    • Bank Bazaar Customer Support
      "WELL TO HELP THIS BANK BAZAAR SITE"
      0.5 5.0/5 "Blown Away!"
      Simple to apply, credit card , personal loan, and etc. 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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      , chennai
      Reviewed on Jul 24, 2017
    • Bank Bazaar Customer Support
      "Good "
      0.5 5.0/5 "Blown Away!"
      Good, I have gone through all the steps which is easier to apply credit card through bankbazaar and it is very much easy to apply too. I hope I will get a call from HDFC regarding the credit card and get approval and almost, I had been trying for the last few days. Thank you bankbazaar.com for giving me a chance to apply.
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      , bangalore
      Reviewed on Jul 24, 2017
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is good in the credit card offers. I get a lot of good deals and the process of me getting the card was quick. The credit limit is also perfect for me and I earn a lot of points when I use the card online and offline. The charges on the card is normal too.
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      , mumbai
      Reviewed on Jul 24, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I am having SBI credit card from the last six to seven months of time. Response is fine one for me till now. Customer service aspects are also good one with them till now . Credit limit value is not really a good one with them. Payment modes are flexible one with the SBI credit card.
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      , kolkata
      Reviewed on Jul 24, 2017
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I do have credit card with the Indusind bank and it really works in good way. Response is good one with the Indusind bank credit card and the credit limit value is an average one with them. Customer service aspects are also good one with the Indusind bank.
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      , kolkata
      Reviewed on Jul 24, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I am holding ICICI bank platinum chip card for more than 1 year. I get reward points, cash back offers, movie tickets booking with this card. The reward points are very less with this card , it would be great if they can provide more reward points while using this chip card. The rate of interest is high when compared with others. The customer service need improvement with ICICI bank. I am satisfied with the credit limit.
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      , thiruvananthapuram
      Reviewed on Jul 24, 2017
    • Kotak Credit Card
      "Not happy with the services"
      0.5 2.0/5 "Expected more"
      I am not happy with the credit card of Kotak Mahindra bank. There are so many charges like late payment fee and EMI charges. It is a life time free credit card. The bank has also offered me a very low credit limit of around 15K. I would not wish to recommend them.
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      , bangalore
      Reviewed on Jul 24, 2017
    • HDFC Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and the bank has been doing well in the services. The offers are good and the charges are normal. The customer services are satisfactory. They send me clear statements and I have a better credit limit than the other banks.
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      , bangalore
      Reviewed on Jul 24, 2017
    • HDFC Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a credit card and the bank also keeps updating me of new offers. The limit is good and the experience is nice overall. I get intimated as soon as I make a transaction and there has never been any extra charges taken on the bills.
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      , bangalore
      Reviewed on Jul 24, 2017
    • ICICI Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      The services at ICICI Bank has been up to the mark. There has not been any kind of inconvenience in using the credit card. I am not used the card much though, I make my payments as and when I use the card. The limit on the card is good and it is hassle free.
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      , gurgaon
      Reviewed on Jul 24, 2017
    • HDFC Bank Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      Recently I availed credit card from HDFC bank. This is the bank where I maintain my salary account. Credit limit is good and the interest rate is good. I do have reward points and cash back offers. But I never redeemed those points. Customer service is good.
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      , chennai
      Reviewed on Jul 24, 2017
    • HDFC Bank Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      HDFC Bank has also offered me a credit card and they have given me a decent credit limit. There are continuous deals on the card and till date there are no issues faced. There are calls informing me about the offers I am eligible for. The charges on the card is very much nominal.
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      , gurgaon
      Reviewed on Jul 24, 2017
    • IndusInd Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I hold a credit card of Indusind Bank also the customer service offered by them was really good. Though I was given offers, I do not use it much as I use the card only when I needed it, Even the billing cycle is convenient and the card is accepted every where online and offline.
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      , gurgaon
      Reviewed on Jul 24, 2017
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    Paying by EMI is convenient, cheaper than revolving card dues is Rated as "Excellent!" by 36311 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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