Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Lucknow Credit Cards is Rated as "Excellent!" by 240 Users

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    Lucknow Credit Cards

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

    Lucknow is a historic city in the heart of North India, which has held its traditional importance till date. The city was home to Nawab rulers who brought about major changes in the structure and social fabric of the city. It went through a major transition in the last couple of centuries, becoming a place renowned for its art and culture. And that reputation has been maintained by the city and its inhabitants even today. Situated on the banks of river Gomati, the capital city of Uttar Pradesh, is also quite modern in many regards and is home to several stunning parks that have been built around here. They add to the landscape of the place that boasts of iconic landmarks like Bada Imambara and Chotta Imambara. Being the capital of the most densely populated state in the country, its expected that there are a large number of people living here. Its population today is over six million, making it the 11th largest city in the country. It has grown in significance not only commercially but politically as well because the state sends maximum number of MPs to the parliament today. A lot has changed in the city over the years with many big companies making their presence felt here. They have added to the economic development of the locals and migrants who are coming here from different parts of the country in large numbers. Given that there are many educational institutes of repute in the city as well, there is a large student population that makes the local scene quite an interesting mix.
    An increasing number of people living in Lucknow have understood the benefits of credit cards today. Not only can you get respite from carrying cash around with you, its also possible to look after your urgent financial needs with the help of credit cards. If you want to pay off a debt or look after a medical emergency in the family then you can use your credit card to make sure these responsibilities are taken care of. BankBazaar.com brings to you several reliable Lucknow Credit Card options so that you dont have to go through the hassle and effort of looking for best offers available in the market. We understand that you dont have the time of the day to go through each and every offer that is available to you. It often leads to people missing out on credit card offers that might suit their needs to perfection. There are those who end up making rash decisions when getting a credit card and end up regretting that later. Bankbazaar.com assures you that it wont happen in your case. You will be able to go through Lucknow Credit Card options online, which will save you time. Whats more, you will learn more about their unique features that are important when choosing one credit card over the other. You can rely on us to help you make the best decision for your long term future.

    Get BankBazaar advantage when looking for credit cards

    • BankBazaar.com can help you get the best options if you are looking for credit cards in the city. We have a strong network of credit card companies and banks we work with so that you dont have to do the leg work of looking for offers available in the market. Here are some of the major credit card companies we work with
      • Axis Bank Credit Cards
      • HDFC Bank Credit Cards
      • CitiBank Credit Cards
      • ICICI Bank Credit Cards
      • IndusInd Bank Credit Cards
    • To get started you fill out a simple form that will establish your eligibility. Based on that you will get credit card offers from the best credit card companies out there today. Thus you wont have to run from pillar to post to look for these offers as BankBazaar.com brings them to you.
    • You can then go through these offers and compare them based on several features like finance charges, credit limit, cash withdrawal limit, charges on it etc. Once you have compared these factors you will have a good idea about the credit card option that is most suited to your requirements and brings you the best deal.
    • Bankbazaar.com makes it possible for you to make your credit card application online. It will save you time and hassle, while we offer you relevant information at frequent intervals.
    • You wont have to worry about your personal information as we guarantee that its secure with us.

    How to get Lucknow Credit Card on BankBazaar.com in 3 simple steps?

    • Fill up the e-form to initiate search for card offers
    • Compare card offers from our partner financial institutions
    • Apply for your credit card right from here
    • Privacy: Your application is sent only to the card provider you choose, and is never shared with anyone else.
    • BankBazaar.com will update you on your credit card application status via email & SMS alerts.

    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 Charges

    • 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 productsSave on fuel spends
    Check For Latest: Gold Price in Lucknow Or Silver Price in Lucknow

    Lucknow Credit Cards Reviews

    • ICICI Bank Credit Card
      "Very good card"
      0.5 5.0/5 "Blown Away!"
      I hold a ICICI Bank credit card which is Coral credit card. I am getting very good offers at Book my show 2 movie tickets free every month. Also I get air port free lounges and dinning offers @ attractive rates . Percentage of discount varies from outlet to outlet on an average is 10% to 20%.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 19, 2017
    • Bank Bazaar Credit Card
      "Your process is very simple and so fast , I am glad"
      0.5 5.0/5 "Blown Away!"
      Thanks for bank bazar and banks for applaing credit card online system with fast services providing to applicant . It is simple and clear to understand. I also appreciate that it is very fast. It provides different options for us to choose.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 18, 2017
    • SBI Cards Credit Card
      "Very good experience"
      0.5 4.5/5 "Excellent!"
      I primiarly use SBI credit card and there are various benefits on the card. There are EMI options and it is flexible as well. The credit limit is also good and the card is accepted all over. The transactions are smooth and it is a transparent process overall.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 12, 2017
    • ICICI Bank Credit Card
      "Best bank"
      0.5 4.5/5 "Excellent!"
      ICICI Bank is also good in the banking services and the credit card deals are good. The customer services are good and they are quick in the response. The statements are always clear and there are no hassles in rechecking my bills. They provide the best of deals too.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 12, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 4.5/5 "Excellent!"
      I hold a credit card with HDFC Bank and the bank is excellent in the deals and the services as well. I get the loan features and EMI facilities as well. The limit is good and very much easy to access my card all over. The statements are also clear and on time.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 12, 2017
    • Bank of Baroda Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      Bank of Baroda is not doing great on the credit card as it is a basic card with no much of offers and the bank also needs to improve on the credit limit. I use the other bank cards as well and when compared this bank could provide more features like EMI on the card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 12, 2017
    • HDFC Bank Credit Card
      "Payment option is little confusing"
      0.5 3.0/5 "Satisfactory"
      My credit card experience with HDFC bank has been quite good, the banking is pretty fast and provides details with no time delay. Then again only issue I had with them is their payment option which is little confusing and sometimes doesn't provide me with exact dates that I need the payment. If only this issue could be resolved I think HDFC is very neat.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 11, 2017
    • ICICI Bank Credit Card
      "The best that is there"
      0.5 5.0/5 "Blown Away!"
      Like all other my accounts I have my credit card with ICICI. With the limit of Rs.40000 it has been pretty helpful. Paying options are very good and the application looks like a masterpiece. I can definitely say with the assurance that ICICI provides best banking services expect their Loan department.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 11, 2017
    • Bank Bazaar Credit Card
      "Credit card get easily "
      0.5 4.0/5 "Great!"
      SBI credit card get easily so I m happy so I speak every credit card holder pls apply for sbi credit card and get easily . So I can easily doing our work and take government money and paid timely for our life . So sbi credit card was very usefull for me
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 10, 2017
    • Axis Bank Credit Card
      "excellent"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with AXIS bank. The credit limit was 1 lakh and they have offered titanium card. I have 24/7 helpline number for it. Their customer service and responses was really good and I would like to rate 4.5 out of 5 overall.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 10, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank recently. The process was very easy and paperless. Their customer service and responses was excellent so I would like to rate 5 out of 5 overall. I have 24/7 helpline number . My overall experience was excellent here.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 07, 2017
    • SBI Cards Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      I am maintaining the SBI Visa Platinum Credit Card for more than 4 years. The customer service is good with SBI credit card departments. I am satisfied with the credit limit. The rate of interest is nominal with State bank of India Visa Platinum Card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 05, 2017
    • Kotak Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank has also offered me a credit card and they are doing great on this product as well. The customer support is good as they are easy to connect with and there are no hassles in the offers and I am also happy with the credit limit and the offers.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 03, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC bank 2 years back. They have offered titanium times card and there is no much benefits of holding it. The credit limit was 65,000 . The responses and customer service was satisfactory and I would like to recommend to others. My overall experience was good.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 03, 2017
    • Bank Bazaar Credit Card
      "Good &helpful bankbazaar"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar is a very good and helpful site, nice banking sector just one click thank to you all of you bankbazaar.com, good banking, good service and good application. I am very much happy with my relatives, my friends, my brother & sister for sugest this application bankbazaar.com thanking you again.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 01, 2017
    • SBI Cards Credit Card
      "Awesome"
      0.5 5.0/5 "Blown Away!"
      I am having the SBI credit card and am using it from the last four months of time. I would like to say that the response is good one and I would like to suggest that they need to make the telephonic customer service in better way.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 28, 2017
    • Bank Bazaar Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The service and response is excellent.... Looking for the positive response for the future terms and benefits and all ..... The online service is very ease for the service people for their in ease ..... Great going team .. Thanks and regards Kaushal Verma
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 27, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I am using SBI Credit card from the last one year of time. Offers are really good one with the SBI Credit card and their customer service is also working in good way. Online payment mode is also good one with them.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 25, 2017
    • Axis Bank Credit Card
      "Best"
      0.5 5.0/5 "Blown Away!"
      I am using Axis bank credit card and the credit limit value is around 75000 Rupees. Response is good one with them and their customer service is also working in good way. I have not faced any issues on it.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 25, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the HDFC bank and am using it from the last one month of time.I would like to say that the response and other things are really good one with them. I would like to say that the customer service is also working in good way.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 25, 2017
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