Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Kanpur Credit Cards is Rated as "Excellent!" by 62 Users

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    Kanpur Credit Cards

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

    Kanpur, the second largest city in Uttar Pradesh is situated at close proximity from its capital Lucknow. Thats just one of the reasons its importance to the state and the country cannot be overemphasized. Its based on the banks of river Ganges and is often called Manchester of the East. And thats because this is the place where major industrial revolution took place in the country, like its counterpart in the UK. Kanpur is still one of the major industrial cities in the country with many big conglomerates running their plants from here. It has also been called the Leather city because of the number of top quality tanneries that are located here. Hence its only natural to imagine that the city plays a major role in the economic growth of the state, and the country. While Kanpur in itself is quite spread out, the metro city is populous with around 3 million people living here. And not only the numbers but the city itself is expanding in many ways. There are many people from all over the country who have moved here because of the economic opportunities that are present here. Moreover since it has gone through modernization in recent times, it offers people the way of life that is attractive and appealing. Of course there are many youngsters who are coming here because of several learning institutes that have opened up, and made a name for themselves. Hence the city has become a melting pot for people of different cultures, age groups and aspirations, which make it quite an exciting place to live in.

    If you have been living in Kanpur or have moved here recently, then you want to make the most of the opportunities in front of you. And that also means travelling through the beautiful state, shopping at the plush malls or eating out at the fine dining restaurants for that matter. You can do that and a lot more with the help of credit cards that give you the cutting edge advantage. You can buy things that you thought were beyond your means once and whats more, get handsome rewards for shopping or booking travel tickets for that matter. BankBazaar.com helps you realize these benefits by bringing the best Kanpur Credit Card options right at your fingertips. Have you been considering getting a credit card but not sure about the right choice for you? There are many who have found themselves in a similar situation and that doesnt mean you pick up the first credit card offer that comes your way. You need to be smart about considering your Kanpur Credit Card offers and thats where we come into the picture. To begin with, we have aligned with several banks and credit card companies of repute to ensure that you get all the credit card offers out there. You can choose from several offers from any company and ensure that you are taking the right decision for your long term future.

    Get the BankBazaar advantage when applying for credit cards in Kanpur
    • BankBazaar.com works with the top banks and credit card companies in the country. Hence we can guarantee you best offerings from these financial institutions that will hit the right notes with you. Some of the well known credit card offers we bring you include
      • Axis Bank Credit Cards
      • HDFC Bank Credit Cards
      • CitiBank Credit Cards
      • ICICI Bank Credit Cards
      • IndusInd Bank Credit Cards
    • You can then fill out a simple form so that your eligibility can be assessed. Its important to do that at the onset so that you can get offers that you are eligible for. This simple step will save you a lot of hassle in the future.
    • Once you have received different offers from reputed credit card companies, BankBazaar.com will help you choose the best one for your needs. You can do that by comparing these offers based on factors like interest rates, credit limits, cash withdrawal charges etc. You will have to remember what you are looking for from a credit card at all times when you are making these comparisons so that you can get the right solution for your needs.
    • BankBazaar.com then lets you make a simple online application and offers you important information along the way to keep your mind at rest.
    • Not only will you get objective credit card solutions, you can also be rest assured that your personal information is kept safe at all times.
    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

    Kanpur Credit Cards Reviews

    • HDFC Bank Credit Card
      "Average service"
      0.5 3.5/5 "Pretty good"
      The credit limit offered by hdfc credit card department was 30k which was comfortable for me ,the customer support was good. The interest rate and the charges was good with hdfc I generally uses my hdfc credit card for shopping and online it was a good experience with hdfc credit card service.
      Was this review helpful? 0
      , kanpur
      Reviewed on Dec 14, 2017
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have been banking with Hdfc for quite long years.The limit on the card is one lakh.,more sufficient to use than other cards that i hold,would say its the best card ever.I don't have an annual fees to activate the card or my purchase.Net banking is very convenient.
      Was this review helpful? 0
      , kanpur
      Reviewed on Nov 13, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have a good experience banking with state bank of India.The limit on the card is 25,000,no annual fees to hold this card.I don't use this card as i hold multiple cards,occasionally use it for purchase otherwise the service is good.Net banking is very much useful.
      Was this review helpful? 0
      , kanpur
      Reviewed on Nov 13, 2017
    • Axis Bank Credit Card
      "Excellent service "
      0.5 4.0/5 "Great!"
      I have received a credit card with axis bank.I have been using the card for quite few years.The limit on the card is 50,000,am happy with the limit.I don't pay an annual fees to use this card.Net banking is very convenient to make payments for card bills.
      Was this review helpful? 0
      , kanpur
      Reviewed on Nov 13, 2017
    • Bank Bazaar Credit Card
      "Great responsiveness"
      0.5 5.0/5 "Blown Away!"
      I have a good experience with bank bazaar.I had been using it for more than six months.The service is excellent as ever given by the other banks.The options on the website is so simple to understand and navigate.I am happy that my card is booked through bankbazaar.com.
      Was this review helpful? 0
      , kanpur
      Reviewed on Nov 13, 2017
    • IndusInd Bank Credit Card
      "Need to improve customer service "
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card with Indusind bank.The limit on the card is 50,000,not happy with limit as they promised to give more than that,they had promised to give gift vouchers for the card as i have not got it still,not happy with service need to be transparent o the customers.They had already debited 5000 as an annual fees.
      Was this review helpful? 0
      , kanpur
      Reviewed on Nov 13, 2017
    • SBI Cards Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I bank with State Bank of India for the credit card and the banking process is good. There are regular intimation from the bank about the offers. The reward points are good as they could be redeemed as well. There are no charges for the card and the experience is good overall.
      Was this review helpful? 0
      , kanpur
      Reviewed on Nov 10, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      It is a life time free credit card and the options on the card is good. ICICI Bank is good and overall there are no hassles. I am okay with the credit limit and the offers are also provided from time to time. There are no other charges taken on the card.
      Was this review helpful? 0
      , kanpur
      Reviewed on Nov 10, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from last 1 year, the services provided by HDFC credit card is good when compared to all other credit cards. I get good offers like cash back and reward points. This credit card was for free of cost and this is a platinum card. I use this card for shopping and making bill payments. I am also satisfied with the credit limit.
      Was this review helpful? 0
      , kanpur
      Reviewed on Oct 31, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from last 1 year., HDFC provides excellent services on credit card. I find this card very useful as i use this card for my needs and wants. When i applied for this credit card, there was no annual fee charged. I also get offers like cash back and reward points. I am also satisfied with the credit limit.
      Was this review helpful? 0
      , kanpur
      Reviewed on Oct 13, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Good service from HDFC for my credit card till now as, I already have my salary account with HDFC .They have a good executives in assisting for their service ,with regular offers.I even use HDFC net banking application which was very user friendly, interest rate is also really good and it is the same when compared to others in the market .
      Was this review helpful? 0
      , kanpur
      Reviewed on Sep 07, 2017
    • Citibank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Just one month back, I got the CITI bank credit card. They gave me good credit limit based on profile. There is no joining fee but from 2nd year onward Rs.1500, If I used my card around Rs.30,000 within 12 months its get waive off , CITI billing date on coming 20th, due date probably falls on 4 th or 5th.
      Was this review helpful? 1
      , kanpur
      Reviewed on Jun 07, 2017
    • ICICI Bank Credit Card
      "Good to Use"
      0.5 5.0/5 "Blown Away!"
      I am holding a Platinum chip visa credit, using it for more than one year. I had applied for the card through ICICI website, within 10 days, they have dispatched to my address, I took this card during demonetization they had followed an immediate process. I was able to gain good reward points here on this card.
      Was this review helpful? 0
      , kanpur
      Reviewed on Jun 07, 2017
    • HDFC Bank Credit Card
      "Its Convenient"
      0.5 4.0/5 "Great!"
      It has been 2 years now since I am using HDFC credit card, I have Jet privilege card I used to get 10% discount on air lounge and I have diners club card . HDFC giving good offers in both the cards, interm of reward points and discounts. credit limit is also really good.
      Was this review helpful? 0
      , kanpur
      Reviewed on Jun 07, 2017
    • SBI Cards Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      For my requirement SBI credit card exactly suits , and I am using this credit card from the last 1.5 years of time. Response is not a good one with them though I would like to say its a manageable card and there are no suggestion to them. Offers are nil with the SBI credit card and the good part is , it comes up with free of cost and its life time free credit card.
      Was this review helpful? 0
      , kanpur
      Reviewed on May 17, 2017
    • SBI Cards Credit Card
      "Transparent in details"
      0.5 5.0/5 "Blown Away!"
      There are a lot of merchandises who has offers with SBI. I bank with them for a credit card and the charges are also normal for me. The limit on my card is satisfactory and the statements are always clear. The overall services are good and in all I have no issues.
      Was this review helpful? 0
      , kanpur
      Reviewed on May 08, 2017
    • ICICI Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI Bank and I get a lot of good features on it. The best is I get a lot of deals online and on Ecommerce portals. The limit on the card is also satisfactory and the billing cycle is up to my expectations. In all it is hassle free.
      Was this review helpful? 0
      , kanpur
      Reviewed on May 08, 2017
    • Bank Bazaar Credit Card
      "Process is very fine and fast "
      0.5 4.5/5 "Excellent!"
      Nice App and good performance very good for any one and less time taken here we can left for paper work and saves our time . so for my point of view its more comfortable than any of the offline work. and it is also comfortable for every employee One can check their eligibility easily.
      Was this review helpful? 0
      , kanpur
      Reviewed on Apr 07, 2017
    • Axis Bank Credit Card
      "Hassle free banking"
      0.5 5.0/5 "Blown Away!"
      There are no charges on my credit card with Axis bank. They provide the basic offers and the are is accessible everywhere. There has never been any decline in my transactions online or at the outlets. The limit is satisfactory and the services too.
      Was this review helpful? 2
      , kanpur
      Reviewed on Apr 05, 2017
    • HDFC Bank Credit Card
      "Improve the service"
      0.5 3.5/5 "Pretty good"
      For last three and half years I am using credit card with HDFC bank. Last year I had an issue with the EMI options and the payment. So I am not that much satisfied with HDFC card. Even, I have credit card with ICICI bank, I use ICICI card much for my usage.
      Was this review helpful? 0
      , kanpur
      Reviewed on Mar 17, 2017
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