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    Ludhiana Credit Cards

    1st Year Fee
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    Response Time Within 30 minutes
    Paperless approval option available
    Response Time Within 30 minutes
    Response Time Within 30 minutes
    Response Time Within 30 minutes
    Instant Decision
    Response Time Within 30 minutes
    Response Time Within 30 minutes
    Response Time Within 30 minutes
    Response Time Within 30 minutes
    Response Time Within 30 minutes
    Response Time Within 30 minutes
    Response Time Within 30 minutes
    Response Time Within 30 minutes
    Paperless approval option available

    Compare, check your eligibility and apply for credit cards online.

    Ludhiana Credit Cards Reviews

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    Looking for a Credit Card in Ludhiana? Compare various Credit Card offers online at 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.
    • 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 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.
    • 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 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.
    • will update you on your credit card application status via email & SMS alerts.


    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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