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

    We found 52 Prepaid Credit Card

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  • Prepaid Credit Card Reviews

    • SBI Cards Credit Card
      "Not bad"
      0.5 2.0/5 "Expected more"
      I am having the SBI Elite card and am using it from the last eight months of time. Credit limit is around 3.5 lakh Rupees till now. Customer service is also a good one with them and the interest rate is the drawback with them, also they will not provide the reason for the extra charges.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • Dhanalakshmi Bank Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I am having he credit card with the Dhanlaxmi bank and they are the best one among am using. The credit limit is around 1 lakh Rupees and am using it from the last ten years of time , also the customer service is working in a good way.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • Axis Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The offers at Axis Bank is good on the credit card and there are no charges taken for it annually. The online banking is clear as I am able to check the statements and all my transactions that I do. I also get the message instantly as soon as my card is used.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI offered life time free credit card for me. The credit limit is good. I regularly receive reward points but I do not know about cash back offers. I never converted reward points in to cash but I used the points for shopping purpose. ICICI bank is good in terms of credit card services.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "They should understand Customer's Needs"
      0.5 1.0/5 "Really Bad"
      I had been using this card more than three years, my credit limit is just Rs. 40,000 but in CITI , I am using for the period of one and half year. Initially they gave the credit limit of Rs.80k now increased to Rs.1.20 lakh and I am holding saving account with HDFC more than 5 years. I had done many loan payments through their account, I dont have any cheque bounce, they would have increase my limit.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the State bank of India and the services are good one with them, also they have contacted me to increase the credit limit. Customer service is good one with them and am using it from the last two months of time.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 27, 2017
    • Citibank Credit Card
      "Very good to use"
      0.5 5.0/5 "Blown Away!"
      CITI is one of the best bank, they analyze the customer profile very well and they give respect to the customer. CITI understand the customer very good. I got many reward points and cash back upto 12,000, I am very happy to use CITI bank credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having HDFC bank credit card from the last four years of time. The offers are not really fine one with them like I am not able to make the big purchase into EMI conversion, also am not satisfied with the HDFC bank credit card till now.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • Axis Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      Customer service is good one with the Axis bank credit card and am having it from the last four years of time, also the response is good one with them. I have not received any offers with the Axis bank for this long tenure and the credit limit value is almost good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • IDBI Credit Card
      "Nice features"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card is good and I am happy with the overall experience as my card is accept at all the outlets and even for my online shopping as well. There are decent offers and from IDBI and the billing cycle is convenient for me so I do not get to miss out on my payments.
      Was this review helpful? 0
      , raipur
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the SBI and I want to say its the best one because their service aspects are really good while compare with some other competitors. Response is fine one with them and am having this credit card from the last two years of time. Offers are almost good one with them.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Transparent in details"
      0.5 5.0/5 "Blown Away!"
      The offers are good at HDFC bank and there are no charges taken for card annually. The best I prefer is the statements which was sent on time and I did not have any discrepancy in the bills. The customer support is always helpful and I get the updates regularly on calls and through emails.
      Was this review helpful? 0
      , delhi
      Reviewed on May 27, 2017
    • Standard Chartered Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      There are no unnecessary charges or hidden charges with Standard Chartered Bank for the credit card. I use this card for long time and I did not face any issues with them till date. I receive reward points and cash back offers on my card but the drawback is there is no option to convert those points into cash. Customer service and responsiveness were equally good.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered a life time free credit card and they have given me a limit of around four lakhs which is more than satisfactory for me. The customer support is good and they are responsive is giving me details instantly without a delay. The offers are good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      State bank of India provides good credit card service. I am using the card for long time but I did not gone through any kind of tough situation because of the credit card. I used to get reward points and cash back offers. Good feature of SBI is we can convert all the reward points into cash.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Very well "
      0.5 5.0/5 "Blown Away!"
      I have a current account with HDFC based on this account they used to give many offers. In fact I got HDFC Religalia card, initially they gave 35,000 but now they increased the Rs. 3 lakhs credit limit. I am very happy about it. HDFC bill part is very clear.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using HDFC credit card. The credit limit is good and it is sufficient as per my requirement. I am getting reward points. They provide offers on travelings, entertainments. Sometimes they give cash back offers. I never checked about the rate of interest and the annual charges. It is going smooth till date.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Convenient banking"
      0.5 5.0/5 "Blown Away!"
      When ever I contacted HDFC bank with regards to my credit card, they were very helpful to give me details. The offers are good and the cash back I get on it is helpful. The points can be redeemed on fuel and there are other benefits of EMI and loan features too.
      Was this review helpful? 0
      , panchkula
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Very good in services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been good in the services for the credit card as well. Everything falls in place from the offers to the credit limit and the updates they give me on the card. The customer services are good and professional as well in the communication.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      The credit limit which was offered on my CITI bank credit card is for 2.5L. I use this card for emergency purpose. All there services are good and approachable. I am not sure about their customer service. Their net banking application is good and everything is good with CITI bank but I hardly use this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 27, 2017
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    Prepaid Credit Card is Rated as "Excellent!" by 34869 Users

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    Credit Card BYTES FROM OUR KITCHEN

    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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