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

    • Bank Bazaar Customer Support
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Good service, no paper work bank bazaaar provides good service to all people, also the site is good for me and my friend reccomended 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.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 19, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a HDFC bank money back credit card for more than a year. The customer service and the response is good with HDFC bank. I also get money back offer, fuel surcharge waiver and some reward points with this money back card. The rate of interest is high when compared with others.
      Was this review helpful? 0
      , bhimavaram
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Am so impressed with bankbazaar.com"
      0.5 5.0/5 "Blown Away!"
      Be it Savings Account, Credit Card, Fixed Deposit etc., and/or Insurance products like Term Life Insurance, Health Insurance and Car Insurance etc this is a perfect place / option to get the banking related consultation and apply for loan Cards or any other investment. This is a perfect place to compare and also to make sure your application is complete.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "User friendly"
      0.5 3.0/5 "Satisfactory"
      The interface is user friendly. Like in minutes you can apply foh the card without any paperwork. I would appreciate it if you even manage a callback just in case if the application is rejected. Have applied foh a citi card now. Lets see how this goes!
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Good"
      0.5 4.0/5 "Great!"
      It was very easy to apply, will see how it works, but I am yet to receive a confirmation on the previous applied cards , but this application works good for easy pick of credit facilities give it try it is not waste of time , waiting to see the best use, with the help of this web.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "EASY TO APPLY FOR MY CREDIT CARD"
      0.5 4.0/5 "Great!"
      Happy to say, I applied for my credit card few months before applying it on other banks website, even I did not get any kind of response from them. Here @bankbazaar my need got completed very easily.This is my first request with bank bazaar, I hope my request would get actioned successfully.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "Perfect Option!"
      0.5 5.0/5 "Blown Away!"
      This is the perfect option to get the banking related consultation and apply for loan Cards or any other investment. This is perfect place to compare and also to make sure your application is processed in time and also to get the best option to apply.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 18, 2017
    • Axis Bank Credit Card
      "Very good card to use"
      0.5 4.0/5 "Great!"
      I am having Axis bank Titanium credit card for the past 6 years. The customer service and the response was good with Axis. The rate of interest is as per the market rate on this TITANIUM credit card. The reward points, cash back offers and the fuel surcharge waiver are very much available in this card. I am happy with the credit limit. I am satisfied using this titanium credit card of AXIS.
      Was this review helpful? 0
      , sonepat
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "Great card "
      0.5 5.0/5 "Blown Away!"
      I am really happy to apply for this credit card. Application process was really smooth, thanks to bankbazaar.com. The Amazon voucher from bankbazaar and PayTM credit from CITI. To conclude I would say, it was a great rewarding experience provided.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "Doing great job "
      0.5 4.0/5 "Great!"
      It's easy to apply for a credit card in this site no need of go to bank and wait there. Thank you bank bazar for this simple process the way they treat customers with out any language problems I had just now submitted my documents online. Simply good..
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2017
    • Kotak Credit Card
      "Very worst service"
      0.5 0.5/5 "Unacceptable"
      I am using urbane Kotak credit card but very pathetic customer service from Kotak ... wrong charges up to 3000 for my card also no fuel surcharge & offers. I want to use another banks credit card like hdfc,icici. Customer service is very bad as no one hears customer problems.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "Good Service through online"
      0.5 5.0/5 "Blown Away!"
      Good Service through online. I was looking for movie offers than I got a good service through bankbazaar. It Gives me 2 Movie Tickets per month for free. Than immediately I applied for BankBazaar. I got a good service through form filling. Thank you...
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "Process"
      0.5 5.0/5 "Blown Away!"
      Overall process in more faster than any other services though everyone should contact this site before processing for any bank with that they also provides you some interesting offers for applying through this bank bazaar.com. Overall I am very much satisified with your service.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 18, 2017
    • HDFC Bank Credit Card
      "It is my one of my best Credit Card"
      0.5 5.0/5 "Blown Away!"
      HI! This is Santosh, I have been using from last 4 years with best service without any issue. This credit card services are very good, There is no annual charges. I recommend this Platinum edge Credit Card for best service. I hope they maintain the same rapo in the market.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "Good process"
      0.5 5.0/5 "Blown Away!"
      The role played by bank Bazar is really good , it helps people to find different company products and also there is an option to compare which I liked it . It is very much help ful for everyone. I had applied for one application I want to see how it works and how the response will be from your end. Thank you!!!
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2017
    • Bank Bazaar Customer Support
      "Like a breeze"
      0.5 4.5/5 "Excellent!"
      Had applied for SBI card and the auto features of pulling up tax and bank statements were impressive. Saved a lot of time and got the card in a jiffy. Love the prompt follow up by BB. The Amazon gift card was a bonus on top. Exploring other features as I write this review.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 17, 2017
    • Bank Bazaar Customer Support
      "Best service "
      0.5 5.0/5 "Blown Away!"
      Very fast action, Super, this is a very super service centre bankbazaar.com I had applied for the credit card response was very quick. Thank you very much , also there is a fast action and quick work done by you, thank you so much bankbazaar.com....
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 17, 2017
    • Bank Bazaar Customer Support
      "Fastest work"
      0.5 5.0/5 "Blown Away!"
      Good service, no paper work bank bazaaar good service giving all people, also the site is good for me and my friend reccomended me to use for this site and really I guess the site is best for me and all people. I would suggest everyone to use this app.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 17, 2017
    • Bank Bazaar Customer Support
      "Quick response"
      0.5 5.0/5 "Blown Away!"
      Response was very quick from bankbazaar. The team contacted me quickly and they responded on my queries very prompt I liked their approach very much, they were very much helpful too. Also their procedure is very simple. Any one can easily understand their procedure and the process was complete too. The site is well designed it was a very good experience too. Intially they was some hick up but later I was proved wrong by the site and the team. I am very much happy with them. Sanjay Acharekar.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 17, 2017
    • ICICI Bank Credit Card
      "Need improvement"
      0.5 1.0/5 "Really Bad"
      The ICICI executive came to my place thrice and collected my documents to process my credit card but after that they haven't gave any response in concern to my credit card application. The customer service and the response need to be improved with ICICI bank. The rate of interest is nominal with ICICI bank.
      Was this review helpful? 0
      , madurai
      Reviewed on Jul 17, 2017
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    Prepaid Credit Card is Rated as "Excellent!" by 36247 Users

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    What is a prepaid credit card?

    Prepaid Credit Cards are issued by banks and financial institutions and can be used for transactions in a very similar way as a credit card. Prepaid credit cards come loaded with funds and works using a very simple process. Unlike normal credit cards, which functions on borrowed credit from the bank, customers can make purchases using the funds available on the prepaid card. Similar to gift cards, purchases can be made until funds are available in the card. The biggest advantage of a prepaid credit card is that customers can make purchase transactions without incurring any debts and paying huge interests. Also there is always the limit that has to be adhered to, as purchases have to be made only up to the amount available in the prepaid card. A nominal issuance fee might be charged by banks when a prepaid card is offered and the credit score of an individual is not a key criteria when approvals are done. On the same lines, prepaid credit cards do not contribute immensely to improve the CIBIL score of an individual.

    Benefits of Prepaid Credit Cards:

    • Prepaid credit cards can be used to pay for any good or service and customers do not have to worry about the hassles of making cash transactions.
    • Open looped prepaid cards can be used to make ATM cash withdrawals by customers.
    • Spends would not go overboard as customers can easily plan their expenses and purchase goods only within the limit of the card.
    • As long as the prepaid credit card is valid, customers can always get extra cash for urgent purchases and transactions.
    • Credit score of an individual is not a major criteria to qualify for a prepaid credit card.
    • Prepaid credit cards are the easiest to procure, if the applicant is not looking for any other type of credit card.
    • Prepaid credit cards can be used for paying outstanding bills through a customer’s mobile phone.
    • For employee not holding a bank account, salaries can be distributed using prepaid credit cards by employers.
    • Prepaid cards can also function as a gift card and can be used as travel cards to load currency when an individual is traveling abroad.

    Types of Prepaid Credit Cards:

    There are different types of prepaid cards available in the market and this varies depending on the issuer.

    • Open looped cards - Open looped cards are branded with the network they are affiliated to and are also called open system cards. Every card will carry the brand logo of the affiliate and will be issued by banks in association with American Express, Visa or MasterCard. All open looped cards are accepted at locations and merchant outlets approved banks.

    • Closed Loop Cards - The acceptance of closed loop cards is restricted to the affiliated merchant outlet for buying services and good at only those outlets. Gift cards mostly are issued as closed loop cards.

    • Semi-Open Looped Cards - As hybrid cards, Semi-Open Looped Cards are accepted by numerous merchant outlets or chains, who are affiliated with the card. Most cards are issued by retail chains or shopping malls and can be used at locations carrying stores with these brands.

    • Reloadable cards - Most prepaid credit cards come as reloadable cards, where the customer can add more funds, once the amount held in the card has been used.

    • Non-Reloadable cards - Again gift cards fall under this category as once the customer uses the money available in the card, reloading cannot be done. Purchases can be done only up to what is available in the card.

    Popular Prepaid Credit Cards in India:

    • Axis Bank Prepaid Cards - Smart Pay Card:
    • As a rupee denominated prepaid card, the Axis Bank Smart Pay Card can be used by employers to disburse employee salaries, reimbursements and cash to their employees. This card ensures that payouts happen immediately and on secure platforms. The Axis Bank Smart Pay Card is a reloadable card and funds can be added by the employer. Customers can pick up an Axis Bank Smart Pay Card at any Axis Bank branch. Issued in collaboration with Visa, this prepaid card can be used at any merchant outlet to ATM to withdraw cash. The Axis Bank Smart Pay Card can also be used for online shopping and other transactions using the Verified by Visa (VbV) platform. Applicants need not hold a bank account or maintain any balance to procure an Axis Bank Smart Pay Card. Customers can loan any amount between Rs. 500 to Rs. 50,000 for one day, with the daily cash withdrawal limit at Axis Bank ATMs being Rs. 20,000 and the daily limit for PoS transactions being Rs. 50,000. The Axis Bank Smart Pay Card comes with zero lost card liability insurance against fraudulent transactions.

    • HDFC Bank Prepaid Cards:
    • HDFC Bank offers multiple types of prepaid credit cards depending on the requirement of the applicant. The various cards offered by HDFC Bank are - Multicurrency Platinum ForexPlus Chip Card, ISIC Student ID ForexPlus Chip Card, ForexPlus Card, ForexPlus Chip Card, ForexPlus Platinum Card, GiftPlus Card, FoodPlus Card, MoneyPlus Card, Hajj Umrah Card and Apollo Medical Benefit Card. As one of the best prepaid card available, the features of the HDFC Bank ForexPlus card have been explained below.

    • HDFC Bank ForexPlus card:
    • The HDFC Bank ForexPlus card can availed as a Visa card or as a MasterCard variant and is best suited for international travellers. This card can be topped up while the card holder travels. Working as a credit card, the money is taken from the balance available in the HDFC Bank ForexPlus card and is accepted at all MasterCard and Visa merchant outlets. The HDFC Bank ForexPlus card can be loaded in various currencies namely Australian Dollar, Japanese Yen, AED (Dirhams), Canadian Dollar, Singapore Dollar, Swiss Franc, Euro, Sterling Pound, US Dollar and Swedish Krona. Customers can use the HDFC Bank ForexPlus card to withdraw cash, make PoS and online transactions on completely secure platforms. Card holders can reload this card at HDFC Bank branches, through NetBanking or Phone Banking, even when they are traveling. Card replacement will be done HDFC Bank in request by the customer. Card holders can also get insurance covers for death or Personal Accident, loss of checked-in baggage, Passport reconstruction and protection against fraudulent transactions done when the card is lost or stolen. NetBanking can be used by card holders to track card balance, spend and other details.

    • State Bank of India:
    • State Bank of India offers multiple types of prepaid credit cards depending on the requirement of the applicant. The various cards offered by State Bank of India are - State Bank Smart Payout Card, State Bank Xpress Money Card and State Bank Achiever Card. Customers taking the SBI prepaid card need not have any bank account and can be used for e-commerce transactions and cash withdrawals. The State Bank Smart Payout Card is offered in collaboration with Visa and can be used for making salary or commission payments. Card holders can use the card to make cash withdrawals, purchase transactions and for online payments. The State Bank Smart Payout Card is issued in Indian Rupees and is valid for a period of 10 years. The minimum amount that can be loaded is Rs. 100 to up to Rs 10,000. The State Bank Xpress Money Card can be used to make inward remittances from countries across the world. This service can be used through Money Transfer Service Scheme (MTSS) of Reserve Bank of India via UAE Exchange and Financial Services Ltd. State Bank Xpress Money Card is a prepaid card using which customers can make cash withdrawals, PoS and e-commerce payments. The State Bank Achiever Card can be used by corporates to make incentive payments to their employees. The card can be loaded multiple number of times up to a limit of Rs. 1 lakh and customers can make PoS and online transactions using the card.

    • YES Bank:
    • YES Bank offers various types of prepaid cards for various purposes ranging from travel, gifting and for corporate employers. The various cards offered by YES Bank are - Multi Currency Travel Card, Gift Card, Jewellery Gift Card, Corporate Gift Card, Payroll Card and Incredible India Domestic Travel Card. The Yes Bank Multi Currency Travel Card can be used in US dollars, Euros, Pound Sterling, SG dollars, Australian dollars, AED, Japanese Yen, Canadian dollars, Hong Kong dollars or CHF and can be reloaded at Yes Bank branches. The Incredible India Prepaid Travel Card can be used to make travel bookings, flight bookings, fuel transactions, utility bill payments, shopping, mobile recharge, etc. Customers can also avail different gift cards from Yes Bank for corporate gifts, buying jewellery and other purposes. Yes Bank gift cards can be loaded for up to Rs. 50,000 and can be used at any MasterCard merchant outlet. Yes Bank also offers Payroll cards for corporate employers which are valid for a period of five years. Companies can disburse cash through the card to their employees instead of cheques or cash. Card holders can make cash withdrawals up to Rs. 10,000 and PoS transactions up to Rs. 20,000.

    • American Express:
    • The American Express Taj Gift Card can be used to make redemptions for hotels, rooms and for food services at any Indian Hotel or Ginger Hotels. Customers will not be able to make cash withdrawals with this card. Every American Express Taj Gift Card carries an expiry date before which the available balance has to be used. The validity of an American Express Taj Gift Card is generally one year.

    • ICICI Bank:
    • ICICI Bank offers different types of prepaid cards for various purposes ranging from travel, gifting and for corporate employers. The various cards offered by ICICI Bank are - PayDirect Card, Pockets - the Digital bank, Gift Card, Meal Card, Indian Rupee Travel Card, Saral Money Prepaid Card and the Reimbursement Card. The PayDirect Card works as a complete payment solution for employers to pay salaries, commissions, reimbursements along with incentives to their employees. Customers can use the PayDirect card at any Visa merchant outlet or ATM and can be customised according to the customer’s requirements. Card holders can load up to Rs, 50,000 and there is no restriction on the number of times the card can be loaded. The PayDirect card is valid for a period of two years. Pockets is a digital wallet which can be funded through a debit card or internet banking account. Pockets can be used for recharging DTH and mobiles, bill payments, for sending gifts and money, booking movie tickets, view statements, etc. Customers can take gift cards from ICICI Bank customised according to their requirements. Employers can use the ICICI Bank Meal Card to provide meal allowance to their employees, which comes with features like zero lost card liability and no restriction on the number of times it can be reloaded. ICICI Bank offers the Indian Rupee Travel Card for travellers in India. Customers can load up to a maximum of Rs. 50,000 and there is no minimum balance requirement to be maintained. The Saral Money Prepaid Card is offered as an all-purpose prepaid card which is reloadable and is linked to the customer’s Aadhaar Number.

    • Bank of Baroda:
    • Bank of Baroda offers two types of prepaid cards namely - Baroda Gift Card and Baroda TravelEasy Card. The Baroda Gift Card can be used at various merchant outlets and comes with a validity of one year. Purchases can be done across India in Rupees and can also be used for online transactions. The Baroda Gift Card uses the Verified by Visa platform for e-commerce transactions. The card cannot be used for making ATM withdrawals. The Baroda TravelEasy Card can be loaded in US Dollars, Pound Sterling and Euros and can be used by frequent travellers. This card is valid for a period of two years and has to carry a minimum amount of US$ 200 or an equivalent amount. The maximum limit on the Baroda TravelEasy Card varies depending on the purpose for which the card is availed. For holidays and personal travel the maximum limit is $ 10,000, for business travel the maximum limit is $25,000 for every trip, for students abroad the maximum limit is $ 100,000 per year and for individuals undergoing medical treatment abroad the limit is $100,000 per year. The documents that are required while availing the Baroda TravelEasy Card are passport and visa copies with the purpose of travel mentioned.

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