Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 63 Ludhiana Credit Cards

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    Rs.750 Amazon voucher free Ad Paperless approval option available
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  • Ludhiana Credit Cards Reviews

    • HDFC Bank Credit Card
      "Bad service of HDFC card"
      0.5 0.5/5 "Unacceptable"
      I am holding HDFC credit card. The card expired in Dec 16. new card not sent even after many mails. Customer care number does not have any option for card renewal neither any option to speak to any customer care person. useless service. I even contacted them at branch but no action
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jun 16, 2017
    • ICICI Bank Credit Card
      "Need Transparency in the process"
      0.5 2.0/5 "Expected more"
      It was 10 to 12 years ago, I had a credit card with ICICI bank. I don't know not sure of using the card and I have started using it. I was paying the credit bill through the cheque and after sometime they have started sending quotes for very high bill amount and saying that I have used the card twice and I have said, that I cannot pay the bill as I have not used it. They have made me to pay around Rs.43,000 in cheque and they have asked me to pay 3,000 in cash. When I was going for a loan then they have told that I cannot take the loan, because my name is reflected in the Cibil, saying that I have not maintained. They need to have transparency on their service with ICICI bank. Overall I had very bad experience with ICICI bank.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jun 12, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      At present I am using HDFC money back credit card. Limit offered on this card is 50k which Iam not satisfied.The major drawback with HDFC is they give credit card bases on salary or savings account they have not seen Iam paying ITR .Customer service is fair enough and I have not faced any issues with them. Just few more balance amount left in HDFC after that will windup this card.
      Was this review helpful? 0
      , ludhiana
      Reviewed on May 21, 2017
    • HDFC Bank Credit Card
      "Charging a lot"
      0.5 4.0/5 "Great!"
      Recently I closed my HDFC credit card. I was using this credit card for past few years. But they are charging more month on month. The rate of interest is also high and the people who are having less knowledge about credit card usage, definitely they cannot use the card effectively. As I felt I am charging much more from the bank, I went ahead and closed it immediately.
      Was this review helpful? 0
      , ludhiana
      Reviewed on May 04, 2017
    • ICICI Bank Credit Card
      "Its convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI platinum visa credit card from the last year. They used to give some reward points for the transactions they offered me the credit limit of Rs.45,000 , this was the same limit I am holding from initial stage, yet they had not upgraded it. ICICI credit card billing is crystal clear.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Apr 04, 2017
    • Axis Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      It was a good experience with Axis bank credit card. I was using long back now it has been closed my zone credit card, I never faced any difficulties till that time since I have misplaced my card I had to closed it. I was getting reward points based on my usage credit limit was 25k
      Was this review helpful? 1
      , ludhiana
      Reviewed on Apr 03, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      Its good experience with state bank of india related to the simple save credit card.I am getting some good points which can be Redeemed later and I am having a simple save card with SBI Bank.The annual fee is 500 and the credit limit is around 50k
      Was this review helpful? 0
      , ludhiana
      Reviewed on Apr 03, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding HDFC snap deal credit card, I am not that much happy with the offers. HDFC does not provide reward points for the on line shopping and other transactions. Its been 8 months now, I had been using this credit card for normal shopping purpose too.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Apr 03, 2017
    • Axis Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      Though I was holding an account with Axis bank, I was not offered any offers proactively. I myself voluntarily contacted them for a credit card. Based on which they had offered me a life time free credit card. The credit limit offered on my credit card is 1,30,000. I always prefer to use this card at e-commerce site.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Mar 02, 2017
    • Axis Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      It is a life time free credit card with Axis bank. They send me clear statements and the billing cycle is also on time. The offers of the reward points and cash back is there and the limit is also to my expectation. It would be more useful if there is a loan facility provided.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Feb 06, 2017
    • SBI Cards Credit Card
      "Good features "
      0.5 4.0/5 "Great!"
      The features on the credit card is good is with SBI. There are a lot of cash back offers but there is no loan facility. It is a life time free card and the credit limit is decent. The card is also accessible every where and has a lot of discounts online.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Feb 06, 2017
    • HDFC Bank Credit Card
      "My HDFC Bank credit card"
      0.5 5.0/5 "Blown Away!"
      Happy to use the credit card of HDFC bank. I am holding this credit card for a period of 3 years. No drawback nor any challenges as such. The service rendered by them is very good . Credit card payment options are fine and I am very much happy with the payment options they had provided.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jan 13, 2017
    • ICICI Bank Credit Card
      "Best Credit card experience with ICICI"
      0.5 4.5/5 "Excellent!"
      ICICI credit card was good to use. Exciting offers from credit usage like Personal loan, Emi on Card and reward points offers etc. Systematically they was good but credit card should be use within the limit not beyond the budget. I am very comfortable with ICICI credit card.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Oct 22, 2016
    • review Credit Card
      "My credit card"
      0.5 4.5/5 "Excellent!"
      The salient features of my SBI credit card are as follows, first of all there is no joining fee, however there is an annual fee of rs 500. The best part is, if I make the payment for the annual fee they in turn provide me some gift vouchers like Amazon and rewards and I get few more benefits on top of that.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Sep 16, 2016
    • Bank Bazaar Customer Support
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had liked this site more, as it gives the best deal which is possible. Bank Bazaar is one of the most trusting site where we can go through all the ideas & can take the best initiative. I really thank bank bazaar for giving such a good service. Thanks a lot bank bazaar for giving such a service I really thank & like this is 100% true that this is the best site in providing better & accurate informations.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jul 30, 2016
    • Bank Bazaar Customer Support
      "It's good for people "
      0.5 4.5/5 "Excellent!"
      I think it's too easy due to phone and email verification. ..more over advantage is its valid from 24x7 ......also need telephonic confirmation system alongwith other verification system Nice to see your perfect system organised by your organisation. ...
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jun 30, 2016
    • HDFC Bank Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I am using the titanium visa credit card from hdfc bank. If we use the card for the purchase we get 2% on the cash back.Emi facility is given with 0% interest for the maximum tenure of eight month there is no processing fee. They charge the annul fee of Rs.3000 . If miss the due date the interest rate is nominal.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Apr 04, 2016
    • Bank Bazaar Customer Support
      "Good"
      0.5 4.5/5 "Excellent!"
      Nice good reviw i like it 10 on 10 no amazing apps easy to all type loan process like personal loan, house loan, education loan ,car laon, credit card & loan ets easy to process i like it good totally its good and i receive immediate call from them as soon as i submit the application.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Feb 29, 2016
    • Kotak Credit Card
      "Good response "
      0.5 3.0/5 "Satisfactory"
      The cibil score is not that good so the credit card application was declined with Kotak Mahindra bank.The customer service and response provided was very good.They have responded through the mail.I have applied for a platinum card with Kotak Mahindra.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Feb 29, 2016
    • Central Bank of India Credit Card
      "PARMOD CHOTALA "
      0.5 4.0/5 "Great!"
      The central bank is very good in the service provided.They are the nearest branch available which is good.They have applied a nominal limit in the card.The response provided was good with Central bank.I will recommend the service to others for getting a card.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Feb 29, 2016
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    Ludhiana Credit Cards is Rated as "Great!" by 75 Users

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    Credit Card BYTES FROM OUR KITCHEN

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

    Are you in search of a credit card in Ludhiana? Bankbazaar can provide you with 100% neutral, unbiased assistance in finding out the perfect card here. We provide you free access to our award-winning Card Search tools so that you get rightfully equipped to

    • Understand your own, unique credit card requirements
    • Find the best cards that fit your eligibility
    • Research about and compare card features
    • Pick out a respectable card

    Bankbazaar also brings to its valued patrons instant e-approval facility for credit cards. Ludhiana, located in the Ludhiana district of Punjab, is the states largest city based on population. It is located on the old bank of the Sutlej River, which is approximately 13 kms south of its existing course. The city is apparently divided into 2 parts the Old City and the New City. Often addressed as the Manchester of India and the cultural as well as the industrial hub of Punjab, the city of Ludhiana has developed in leaps and bounds over the last few decades.
    As history records, the city was founded during the reign of the Lodhi dynasty that ruled over Delhi in the period comprising 1451A.D. to 1526 A.D. As a popular fable narrates, 2 Lodhi empire chiefs by the name of Nihand Khan and Yusaf Khan were assigned by Sikandar Lodhi the job of restoring law and order in the zone. They positioned themselves at the site where the current day Ludhiana stands, then known as a small rural township by the name of Mir Hota. Yusaf Khan travelled across the Sutlej into the Jalandhar Doab for checking out on the Khokhars, a group which was at that time engaged in raiding the Doabsubsequent to which he settled down at Sultanpur. Nihand Khan however stayed back at Mir Hota and established the city of Ludhiana at the village site. The new-founded municipality was initially known as Lodhi-ana, meaning the city of the Lodhis. The name was later altered to the current day Ludhiana. 2011 census records the population of the place as 3,487,882, with a literacy rate of 82.50%. Geographically it covers an area of 3,767 km2. Mostly Punjabis live here, but a substantial number of migrant laborers and workforce has also entered and settled in the place due to its rich industrial atmosphere. Punjabi is the dominant language spoken in Ludhiana, but Hindi is also spoken quite popularly in the area.
    Some interesting facts about Ludhiana are as follows:

    • The population of the area increases considerably in the harvest season as a large influx of laborers from the eastern states of India is seen during this time.
    • Ludhianvis are in possession of the highest number of luxury vehicles in Punjab.
    • The World Bank held Ludhiana as the Indian city having the most favorable business atmosphere in 2009
    • The World bank also positioned Ludhiana at # 1 in 2013for carrying out business in India
    • With around INR 22,192 Crore (US$ 4.4 billion) GDP in the period 2009-10, Ludhiana provided 16 % to Punjabs GDP
    • The manufacturing industry has alone contributed 35% to Punjabs GDP in the period 2009-10
    • Ludhiana is a component of the Eastern Industrial Corridor that joins quite a few cities from Punjab straight to West Bengal This ensures that industrial growth is enhanced by quick transport of freight and goods
    • Mega housing projects are coming up in Ludhiana like the AKME Projects, the IREO etc.
    The industry base of Ludhiana comprises cycle/cycle spare parts manufacturing units, woolen production, machine tool manufacturing, sewing-machines/generators/ tyres &tubes/ diesel engine production. World famous cycle manufacturers like Avon Cycles and Hero Cycles are based here. There are 8 large knitwear factories in the area alongwith 10 big hosiery fiber mills and 150 woolen yarn mills. The export bazaar of Ludhiana is valued at $40 million (USD). Famous educational institutes like Punjab Agricultural Industry, Bhutta College of Engineering and Guru Nanak Dev Engineering College is located in Ludhiana. Bankbazaar is a 100% neutral marketplace in the online world which is dedicated towards finding out the best credit solutions for their patrons and we can help you in finding the best credit card in Ludhiana as well. With the excellent Rewards programs that our notable card providers like Axis Bank, IndusInd, HDFC Bank, ING Vysya Bank and CitiBank provide, you can earn reward points on your card too and redeem them for free flights, free dining, free hotel stay, shopping and cash back offers. Use our excellent card finder to locate the right Ludhiana Credit Card for use as per your eligibility. Check your Eligibility Now!

    Get BankBazaar advantage when looking for credit cards
    • The Indian credit card scenario is overwhelming now with as many cards in the market as card providers. Picking out the right card for use therefore needs adequate research and comparison on the applicants part. Bankbazaar makes this easier with its state-of-the-art card search/ comparison tools and implements. Finding a low-rate credit card, evaluating card features and applying for one is a pleasurable experience from here.
    • Besides, Bankbazaar does not charge any fee for its service and ensures that 100% neutral assistance is offered to all patrons.
    • 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 Ludhiana 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 Ludhiana
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