Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 62 Which Credit Card is Right for You?

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  • Which Credit Card is Right for You Reviews

    • IndusInd Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am having Indus Ind credit card for the past 1 year. The benefits like rewards points cash back offers and online offers are available with this card. I am happy with the credit limit. The interest rate is nominal with this card. The best the thing is free movie ticket reward points, and the low interest rate on cash transactions. I am happy to use this card.
      Was this review helpful? 2
      , lucknow
      Reviewed on Jun 23, 2017
    • Standard Chartered Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I hold a credit card with Standard Chartered bank and the offers are good. I earn reward points but I am unable to redeem the points. The credit limit is of 32k, but I am needing a better limit on the card. The customer services and response is good and satisfactory.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using Diner club credit card, whenever I go for any tie up restaurant with the HDFC they are providing some cash back and also I get some reward points. I am happy with credit card service of HDFC. Bill are very transparent and clear about the transaction.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have never used this ICICI CORAL credit card properly . I hold this ICICI coral card for past 3 years. When I was using this card I got the reward points, cash back offer and the payback card which is attached with this card. For every transaction I will be some loyalty points which is added to the payback card. I am happy about the credit limit. I am satisfied using this card .
      Was this review helpful? 1
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The HDFC bank All miles credit card carries benefits like reward points and cash back offers. The reward points can be redeemed as air tickets, which is very good offer. I am happy about the credit limit. The rate of interest is nominal with this card. I am satisfied using this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Extremely good in the services"
      0.5 5.0/5 "Blown Away!"
      After seeing my transactions in my account, HDFC Bank offered me a credit card with a credit limit of 60K. They have also told me to use the card for the next three to four months and the bank would increase the limit. Even if they do not do it, I would not mind because I am extremely happy with the clarity they provide in the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I have got a SBI platinum card last month and I have made a purchase of a mobile phone. The service with SBI credit card is really good. The rate of interest is nominal with this card. I am happy about the credit limit. The customer service and the response with SBI is good. I am happy to use this S BI platinum credit card.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a Money back credit card with HDFC bank for past 6 months. I get benefits like reward point, cash back offers and Online purchasing offers with this card. I am getting the notifications about the special offers with this card. The rate of interest is nominal with this card. I am happy about the credit limit and satisfied using money back card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • RBL Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding this RBL card for almost a year. If I spend more than 5k per month on this card I would be getting rs 500 voucher which can be redeemed as a movie ticket on book my show. This card has an annual fee of rs 500. Happy about the credit limit also I always prefer to pay my credit card bills through NEFT. I am very much satisfied using this RBL card.
      Was this review helpful? 2
      , mumbai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      SBI simply click card has got reward points scheme, online offers and I getting a better discounts on online purchases too. Also fuel surcharge waiver is applicable on this card but I have not used it though. I am very much happy with the credit limit which was offered on this card. The turn around time taken to pay my credit card bill was around 45 days. I can also make the payment through SBI online portal. Annual fee on this card is rs 500.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Good service"
      0.5 5.0/5 "Blown Away!"
      It is very nice place to get credit cards . We get early feed backs . It will be good if we get more cards from different banks . Helps in loans . It's almost a like a bank . You can apply from wherever you stay . No need to stand in que. This is very good application
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Charges should be reduced"
      0.5 2.0/5 "Expected more"
      Three years back I had taken car loan from HDFC, they have charged 5% of interest for the foreclosure, I had taken the car loan of Rs. 3.60 lakhs for the tenure of five years. I have done a foreclosure between the tenure period, I am not happy with their charges and it was really high.
      Was this review helpful? 0
      , srinagar
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Clear process"
      0.5 4.0/5 "Great!"
      HDFC Bank has been good on the credit card services and the offers are good and satisfactory. The credit limit is also good and the bills are sent on time and I do not have to recheck the statements they send me. No hassles overall and I am happy to use them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Need improvement in services"
      0.5 3.0/5 "Satisfactory"
      HDFC Bank is not doing well in terms of credit card. They do not value their customers. I am banking for this card for the last nine years and the credit limit is very less and the customer services are also not good, also they are not consistent in the process.
      Was this review helpful? 0
      , madurai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The credit card experience with HDFC bank is not good. Probably next year l might stop using this card because they also don't provide any offers and the credit limit they have offered is 50000 rupees and this is a life time free credit card holding this card for more than 5 years now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Frankly speaking , I am not happy with the level of service offered on my ICICI Bank credit card. I do not get proper services when I contact the bank. No proper offers nothing. The credit limit they have provided is 40000 rupees and 200 rupees is annual charge and this card is 3 years old.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Most promising feature of ICICI Bank credit card is, I am using ICICI coral credit card it is really good for entertainment, every month I am getting two movie tickets from them. Earlier I had Rubyx credit card there annual charges was more. Hence I migrated to coral visa card its good. I am fine with that too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and when I did not get my personal loan through, I called up the customer care and I got the loan on the card. It was a very quick process and hassle free too. There are other benefits and offers on the card and no inconvenience faced.
      Was this review helpful? 0
      , porbandar
      Reviewed on Jun 23, 2017
    • Kotak Credit Card
      "They should transparent in their service"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra always takes some unwanted charges for the credit card and they wont give clear information about the charges. They offered me credit limit of Rs.30,000 its very low. I am using it for one year. So far I haven't get any credit card offers, they should work on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Nice Credit card"
      0.5 5.0/5 "Blown Away!"
      HDFC gave me good cash back offers, I got upto Rs.2000 based on the product which I purchased. I have been using it for two years its good, they offered credit limit of Rs.75,000. I always make the total amount so I not aware of interest rate. Overall I am happy with their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
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    Which Credit Card is Right for You? is Rated as "Excellent!" by 35784 Users

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    Overview:

    Most of us don’t know we have a choice between different credit cards. The credit card offered to us is the one we accept. But choice is our fundamental right. Banks of India actually provide a dizzy assortment of cards that carry specialized benefits that range from rewards, cashback and shopping to miles, fuel and entertainment. Choosing the perfect card for you can make all the difference between enjoying benefits that are perfect for you or getting benefits that make no sense to you. There’s no perfect card in the world that can be rated number one. The number one card for you depends on your preferences and tastes.

    Types of Credit Cards:

    Banks offer different cards to suit the varied tastes and preferences of customers. You need to identify which category you prefer the most to find out which credit card is right for you. You need to identify who you are rather than who you want to be. The main types can be categorised as follows:

    • Shopping – If you like to shop, lifestyle cards will offer you a number of benefits that include deals, discounts, cashback and rewards. Many times, banks partner with stores to bring you fabulous deals that you will not be able to resist. These cards may also give you access to exclusive sales, previews and more. Shopping cards are not limited to retail shopping. Cards are designed for groceries and household needs. With these grocery cards, homemakers can enjoy deals while they look after their home and family.

    • Travel – There’s a difference between a person who loves to travel and a traveller. If you actually travel a lot on business or on pleasure, you can earn a number of rewards by spending on your credit card. If you’re a person who loves to travel, but doesn’t actually get down to doing it, this card wouldn’t be the best for you. Travel cards let you earn miles when you spend. It also might provide you great insurance cover for your life, baggage and travel time. These cards may also provide access to lounges and concierge services like flight, hotel and cab bookings.

    • Entertainment – Do you like going out? If you like clubs, dinners, movies, concerts and more, you could get discounts, complimentary drinks, free tickets, exclusive invites, and earn rewards on your spends.

    • Fuel – If you find yourself filling up your gas tank often, the fuel cards could benefit you. You will get fuel surcharge waivers. You can earn reward points when you spend on fuel and related products. Make sure you know the details of your credit card. Some cards require you to fill up only at specific petrol pumps or swipe on the bank’s specific machine.

    • Others – There are a number of other unique cards that are designed to suit special needs. There are rewards cards, cash back cards, student cards, golfing cards, educational cards, and more. Choose the card that you feel would be apt for you.

    Choose the right Card from the Right Bank:

    Apart from choosing the right card, you need to choose the right bank. Many banks may offer you credit cards. You could choose the bank with which you maintain your savings or current account. There are other banks that allow you to take cards without having an account. You can find out about the credit cards you are eligible for by using websites like BankBazaar. You can then view and compare different offers to find the best card for you.

    Know the right details:

    While selecting your ideal credit card, look at the details. Some of the important information you need to be aware of has been listed below.

    Billing cycle - Banks usually set the billing date as the 15th or 20th of every month. Knowing this date is important to get a longer interest-free cycle. If you’re interest free credit period is 45 days and the billing date is 15th, then when you make a purchase on 14th, it will be billed the next day and you do not have a long free credit period. If you make the purchase on 16th, you will get the full 45 days to pay your bill back.

    Interest rate - You are charged interest only when you carry forward a balance. If you pay your bills in full, you will never incur interest. So if you are one to pay your bills on time and in full, interest rates shouldn’t matter much.

    Annual Fees - Most credit cards carry an annual fee, joining fee and renewal fee. If you are one to use your credit card sparingly, go in for a credit card that does not carry annual fees. Some cards waive the annual fee if you spend above a certain limit. So if you are a big spender, you needn’t worry about the annual fee.

    Late Payment charges - Be aware of how much your bank charges if you miss the payment due date. Banks also increase your interest rate when you default on a payment.

    Cash Credit - Cash credit usually carries high interest rates and no credit free periods. So cash should be withdrawn only if absolutely needed. Know the details before you use your credit card to withdraw money.

    Rewards - If your bank is offering reward points, don’t be taken away by how many points you can earn on your credit card. Credit card reward points are just a small reward for spending on your card. You can usually earn 1 point for every Rs. 100 you spend. You can redeem these points at an average rate of 1000 points for a Rs. 250 - Rs. 500 voucher. So it might cost you Rs. 1 lakh to earn a voucher worth Rs. 500. You can view reward catalogue before you apply for a credit card to see if your rewards are worth it.

    Tips:

    • Know what kind of customer you are and which type of card will benefit you more.
    • Choose a bank that offers you what you require. Don’t let the bank choose you.
    • Research online between different banks, or use websites like BankBazaar to make comparisons.
    • Always make an informed decision.
    • If you choose to apply for a credit card through a telecaller, don’t hesitate to ask for the required information. Don’t let yourself be pressured into the wrong card.
    • Credit Cards come with great responsibility. Don’t take it lightly.
    • Spend only what you can pay back.
    • Pay your bills in full to be free from interest charges.
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