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  • Guwahati Credit Cards is Rated as "Excellent!" by 119 Users

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    Guwahati Credit Cards

    Looking for a Credit Card in Guwahati? Compare various Credit Card offers online at BankBazaar.com for Guwahati city

    Guwahati is an ancient Urban, it is the largest city in Assam and also the largest city in north-eastern region of India. This major city in eastern India is one of the fastest growing cities in the country. It is commonly referred to as the Gateway of the North-Eastern India. The city is between the banks if the river Brahmaputra and the foothills of the Shillong plateau. To the west of the city is the LBG International Airport and towards the east of Guwahati is the town of Narengi. Guwahati is a major commercial and educational hub of North-East India and is home to many well-known educational institutions such as the Indian Institute of Technology Guwahati and many other premier institutions such as Cotton College and Guwahati University.

    History of Guwahati

    According to the Mahabharata, Guwahati was the capital of the kings Narakasura and Bhagadatta. The ancient sakti temple of Goddess Kamakhya in Nilachal hill (an important seat of Tantric and Vajrayana Buddhism), the ancient and unique astrological temple Navagraha in Chitrachal Hill, and archaeological remains in Basista and other locations support the mythological assertions of the city's ancient past. During medieval times between the 12th and 15th centuries AD, after the destruction of the Kamata kingdom, the city lost its earlier glory and became mainly a strategic outpost of the Koch Hajo and Ahom kingdom. The city was the seat of the Borphukan, the civil military authority of the Lower Assam region appointed by the Ahom kings. The Mughals invaded Assam seventeen times and they were defeated by the Ahoms in Battle of Itakhuli and Battle of Saraighat.

    Economy of Guwahati

    The GDP of Guwahati metro was estimated at $1 billion in 2010. As a river port, Guwahati has traditionally been an important administrative and trading center. The major economic activities are trade and commerce, transportation and services. Guwahati is the most important trade hub in the North Eastern Region. It is a major wholesale distribution center, a marketing hub, and also a retail hub of the region. The city contains the headquarters or regional offices of several manufacturing and business establishments. Bamunimaidam and Kalapahar are two major industrial estate of Guwahati. Guwahati is important for printing and publishing, as well as businesses related to electronic and print media. During the past two decades, businesses such as real estate development, finance, etc. have intensified. Retail and real estate have emerged as big players. Tourism and recreation, education, research, cultural activities, real estate, etc. are slowly increasing and contributing to city's economic growth..

    Get BankBazaar advantages when looking for credit card offers in Guwahati
    • Simple process: The process of finding details about various credit card types and their features available in Guwahati can be done by simple filling up a form with your basic details.
    • Instant response: Since the processing is done online, bank bazaar helps you to quickly look up your options while applying for a credit card in Guwahati.
    • Easy Comparison: Since most banks offer more than one type of credit card and the advantages and features which come along with different banks arent the same, bank bazaar helps you to compare the crucial elements which can determine your choice of credit card.
    • Limited documentation: One of the main advantages of applying for your credit card via bank bazaar is that there is not much documentation required.
    • Apply and get approval quickly: The online E-Approval of your credit card application will be done almost instantly; this saves you a whole lot of time!
    • Your information is secure: Bank Bazaar guarantees a secure experience. All your personal details and information provided by you is secured. The details are electronically forwarded to the bank you choose to make your dealings with.
    FAQs
    1. Who can get a Credit Card?
    2. Anyone with a fixed income, aged above 21 & favourable CIBIL credit score of over 800 can get a credit card.

    3. What will be my credit limit?
    4. The credit limit will depend on various factors like your income, repayment, CIBIL score, etc. Your credit limit can be increased or decreased depending on your last years spending and repayment history

    5. Can I get an Add-on card? And will there be a separate credit limit on the Add-on card?
    6. Yes, you can get an Add-on card but, it will totally depend on the offers the credit card issuer is running at a given point of time. There will not be a separate credit limit for the add-on card.

    7. What should I do if there is a fraud transaction on my credit card?
    8. You should immediately inform your credit card issuer about the fraud transaction.

    9. What should I do if my Credit card is lost or stolen?
    10. If your credit card is lost or stolen inform your credit card issuer within 24 hours and block your card immediately for any fraudulent transactions. Ask your card issuer to send you a new card which generally gets delivered in 3-4 working days.

    11. Which payment network credit cards are available in India?
    12. Basically, Visa, MasterCard and American Express are three popular payment networks available in India. Payment Networks are not credit card issuers your credit card is issued by banks or other financial institutes.

    13. What is a grace period?
    14. A grace period is interest free period for you to pay your credit card balance in full without any interest rate charges. The grace period is calculated based on your billing cycle and not from the date of the transaction.

    15. Will there be any joining fees for credit card?
    16. Most credit card issuers do not charge you any joining fees. Some may charge you but they might reverse those charges in your first credit card statement.

    17. Is there any annual fee associated with credit cards?
    18. Most issuers waive off annual fee for the first year and then charge a minimum amount of Rs. 500 as annual fee.

    19. What is the interest rate/finance charge for credit cards?
    20. The finance charges will wary for each card issuer and type of card like Platinum, Gold, Titanium or any special credit card. Generally credit card interest rates start at 2.5% per month (30% per annum) to 3.75% per month (45% per annum).

    21. Will there be an overdue penalty or late payment fee?
    22. Yes, every card issuer will charge you a late payment fee ranging from Rs 300 to Rs 600.

    23. Will there be a separate charge for foreign currency transactions on my credit card?
    24. Yes, every card issuer will charge you some percentage of the transaction value for the foreign currency transactions. It is generally around 3.5% of the transaction value.

    25. How can I make my credit card payment?
    26. Credit Card issuers provide the following credit card payment options:

      • Through ATMs: Make payments through your card issuing bank ATMs.
      • Through Net banking: Make Card payments using your Net banking.
      • Visa Money Transfer
      • Standing Instructions: If you have bank account with your card issuing bank then you can give standing instructions to directly debit the minimum amount due or full payment due for your monthly credit card payment.
      • National Electronic Funds Transfer (NEFT): Transfer funds from any other bank account to make your card payments.
      • Drop Box Option: You can also drop a local cheque, payable to bank card A/c followed by your card number, at any drop box located in ATMs and branches of your card issuer.
      • Over the counter: You can pay directly by visiting your card issuing bank and make the cash payment for your credit card outstanding.
    Credit Card Eligibility and Documentation
    • Card holder should be in the age bracket of 18 years to 70 years.
    • Should have a fixed monthly income.
    • Should have a good CIBIL credit score.

    Documents required for Credit Card:

    • Pan Card Photocopy OR Form 60
    • Latest Salary Slip, Form 16, Income Tax return copy as income proof
    • Passport, driving license, ration card, etc. for residence proof.
    Features & Benefits of Credit Cards
    • To fulfill dreams which cant wait, apply for credit cards and live your dreams.

    Credit Cards come with great features and benefits:

    • Save on fuel spends
    • Exiting reward programs
    • Comprehensive Insurance coverage
    • Cash back facilities
    • EMI facility on your product purchases
    • Balance Transfer facility
    • Interest Free Period
    • Special discounts on various products

    Guwahati Credit Cards Reviews

    • SBI Cards Credit Card
      "Unhappy"
      0.5 2.0/5 "Expected more"
      I am holding SBI credit card for the past 2 months. I hold Air India credit card. I have not gone through the detail analysis with the SBI, I feel that their interest rate is high. It is not easy to convert the transactions into EMI. They keep on querying about the payment which is annoying.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 21, 2017
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar was very much helpful and informative. It is my first time, I came to know about the website through promotional advertisement which has been popped up on my mobile phone. The best part I like it from bank bazaar they are not only providing comparison , they also provide a suggestion for the customers.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 21, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      HDFC was quite good and prompt in the service. The entire process followed as per the norms. I had a one particular query it was attended by the customer service and they provided a solution for point to time. I hold a REGALIA credit card and the credit limit was pretty much good but I was expecting more.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 21, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from last 1 year and i find it very convenient to use. This is a zero annual fee credit card. The services provided by SBI credit card is good when compared to all other credit cards. Offers like cash back and reward points are also good in this credit card. I use this credit card for shopping and i am also fine with the credit limit.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 20, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 2.0/5 "Expected more"
      I am having the ICICI bank credit card from the last six months of time. I would like to say that the response is fine one with the ICICI bank credit card and the credit limit value is good one too. I am happy with the ICICI bank credit card.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 16, 2017
    • SBI Cards Credit Card
      "Better"
      0.5 5.0/5 "Blown Away!"
      I am having the SBI credit card from the last 1.5 month of time. I would like to say that the customer service is okay with them and I have not faced any issues with them till now. I am happy with the SBI credit card.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 16, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      From the last five months of time, I am holding the SBI credit card and the customer service is good too. I would like to say that the credit limit value is fine and also its up to my expectation level, also am really happy with the SBI credit card.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 14, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the HDFC bank and the customer service is good too, also am using it from the last ten years of time. I would like to say that the online banking services are an excellent one too.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 14, 2017
    • HDFC Bank Credit Card
      "Average Card"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with HDFC Bank. It was a master platinum card, using it from 5 years. The credit limit was not satisfactory. The reward points is average and cash back offers are excellent. Lot of times I tried to convert my payment into EMI but I didn't get it.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 13, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card from last 6 months, the services provided by ICICI credit card is good when compared to other credit cards. I pay an annual fee of Rs 500 which has to be paid every year but there is a criteria, if we shop for more than 60000, no need to pay annual fee from the following year, I get good offers like cash back and reward points. I use this card for shopping and filling fuel. Credit limit is satisfactory and this credit card is recommendable.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 09, 2017
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold a platinum credit card with HDFC bank. I get reward points at the time of my purchases.The customer service and response with the bank is good.The net banking and mobile banking application is more comfortable. The customer service with them was also customer friendly.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 07, 2017
    • review Credit Card
      "SHARMA"
      0.5 5.0/5 "Blown Away!"
      Dear sir, Since long time I have sent my requirement documents of credit card due to cibl criteria the I have not handed over a credit card intime. I have also completed criteria of CIBL, but, same was not provided still today. Now I have required a credit from SBI department very urgently for the purpose of solve my problems. May I request you to be provided a credit card without delay. thanks.
      Was this review helpful? 0
      , guwahati
      Reviewed on Oct 26, 2017
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      My credit was taken with HDFC bank 4 year back. I have an International credit card and the credit limit was 35,000 which was very low so I am not satisfied.I am not using it much and I have no idea about the benefits also.. The rate of interest and charges are average. My overall experience was not bad.
      Was this review helpful? 0
      , guwahati
      Reviewed on Oct 25, 2017
    • ICICI Bank Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      My ICICI credit card was taken with 5 years back. They have offered platinum International card and the credit limit was 1.5 lakhs . I have requested for the new credit card since the old one was expired month back but till date I they did not respond so I am disappointed. Here there is no transparency and hidden charges are there. I am not satisfied with the responses and customer service here.
      Was this review helpful? 0
      , guwahati
      Reviewed on Oct 25, 2017
    • Bank Bazaar Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      When I apply for credit card through online, I never thought, I will get quick response. Amazing service which I never have from other banks. I am looking forward to continue having good customer relationship with this bank. Great service.
      Was this review helpful? 0
      , guwahati
      Reviewed on Oct 16, 2017
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am using HDFC bank credit card from the last one year of time. Response is good one for me with them and the customer service is fine one for me with the HDFC bank credit card and am really happy with them.
      Was this review helpful? 0
      , guwahati
      Reviewed on Oct 15, 2017
    • HDFC Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a credit card as well and the process to receive the card was quick. The limit the bank has offered is to my satisfaction and there are no charges for my card. I continuously get offers on the card, there are discounts and the cash back.
      Was this review helpful? 0
      , guwahati
      Reviewed on Oct 12, 2017
    • Bank Bazaar Credit Card
      "Bit tedious "
      0.5 4.0/5 "Great!"
      The whole process requires quite a bit of paper work . It wasn't as easy as described . The description was in ideal circumstances of how easy the process was . As we all know but since life isn't ideal and in it's complexity it's a paper here and another there . So I hope the bank bazaar round advertise paperless but you need all these documents and will be processed in a week time I guess this would increase customer confidence Best regards Jeetesh
      Was this review helpful? 0
      , guwahati
      Reviewed on Sep 26, 2017
    • Bank Bazaar Credit Card
      "Bit tedious "
      0.5 4.0/5 "Great!"
      The whole process requires quite a bit of paper work . It wasn't as easy as described . The description was in ideal circumstances of how easy the process was . As we all know but since life isn't ideal and in it's complexity it's a paper here and another there . So I hope the bank bazaar would advertise paperless but you need all these documents and will be processed in a week's time I guess this would increase customer confidence Best regards Jeetesh.
      Was this review helpful? 0
      , guwahati
      Reviewed on Sep 25, 2017
    • Bank Bazaar Credit Card
      "Sai"
      0.5 4.0/5 "Great!"
      Very good experience online applying credit cards on in this site bank bazaar.com and easy applying all loans and debit cards and credit cards very nice site very good customer supporting team nice response thank you very so much bankbazar.com
      Was this review helpful? 0
      , guwahati
      Reviewed on Sep 21, 2017
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