Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Patiala Credit Cards is Rated as "Excellent!" by 18 Users

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    Patiala Credit Cards

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

    Patiala is one of the biggest cities in Punjab. Its the states educational hub. Patiala is also the fast emerging industrial growth center of the state of Punjab. With a population of about 1.4 million and a literacy rate of 89.95%, Patiala has a large potential list of users for credit card. Given the rapid development and commercialization we are experiencing in the country, the perspectives towards shopping, entertainment and other commercial sectors have seen drastic changes. Hence schemes such as credit cards find themselves being extensively used. The whole state of Punjab is quite urbanized and Patiala is another example of that urbanization. The city has remarkable literacy rates, low high school dropouts and a high sense of self-employment. All of these reasons make the city high on purchasing power. As a result, the city has one of the highest number of vehicles per capital in the country, beating metropolitan cities and most 2 tier cities. The city is closely connected to other major cities in the state, making it grow at a much faster rate than most tier 2 cities in the country.
    Such growth would make people spend a lot more than they own, and hence comes the need for credit cards. Credit card system is one where the banks allot you a certain amount of money which belongs to the bank into your account, which you can use throughout the month. At the end of the month a bill is generated for the amount utilized by you from the credited amount. You are required to pay off your bill along with a particular interest on the amount used. What this does is that it allows you to use money even when you dont have any! These days credit cards have become fancier and more attractive because that banks offer benefits like cash back, reward points, interest free credit and discounts when you make purchases from certain outlets.

    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
    • All you have to do is fill out a simple eligibility form to begin with. Based on your eligibility you will get offers from reputed banks and credit card companies that suit your requirements to the term.
    • But that doesnt mean you have to pick the first offer that comes your way. Bankbazaar.com gives the right ammunition to make the best choice. You get an opportunity to compare these offers based on factors like finance charges, maximum credit limit, cash withdrawal limit, balance transfer facility etc. Once you have compared these offers based on these factors you will find it easier to make your choice.
    • BankBazaar.com also has a streamlined process in place for you so that you can make a simple application online. We will offer you updates at regular intervals too.
    • We will look after your personal information and it will only be sent to the credit card company you choose.

    How to get Patiala 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

    patiala-credit-card Reviews

    • Kotak Credit Card
      "Easy to carry "
      0.5 5.0/5 "Blown Away!"
      I have a credit card with kotak mahindra.current limit on the card is 1 lakh.It has no annual fees.Phone service is excellent and respond on time.I am happy with the limit on the card.i do get multiple offers for shopping and to redeem my reward points.
      Was this review helpful? 0
      , patiala
      Reviewed on Nov 01, 2017
    • HDFC Bank Credit Card
      "Good To Hold"
      0.5 5.0/5 "Blown Away!"
      I use credit cards with HDFC bank for three and a half years. I never faced any issues with the bank for the credit card services. This is a chargeable card and the annual fee is around 499. I am getting reward points and cash back offers. Even I could convert the points into cash.
      Was this review helpful? 0
      , patiala
      Reviewed on Jun 08, 2017
    • HDFC Bank Credit Card
      "Good "
      0.5 3.0/5 "Satisfactory"
      I am using HDFC bank credit card and am with them from the last two years of time. I have not received much offers with them and payment cycle is on every thirty day basis. Grace period to make the payment is good with the HDFC bank credit card customer service.
      Was this review helpful? 0
      , patiala
      Reviewed on Jul 02, 2016
    • HDFC Bank Credit Card
      "Good card "
      0.5 5.0/5 "Blown Away!"
      I did not come across any issues or challanges with HDFC bank as everything is pretty normal. The rate applied for the EMI was around 11.5% for the credit card. I am using the money back card of HDFC Bank . Furthermore, the benefits are not that huge.
      Was this review helpful? 0
      , patiala
      Reviewed on Jun 14, 2016
    • HDFC Bank Credit Card
      "Best card "
      0.5 5.0/5 "Blown Away!"
      I am contended with the credit limit offered on my HDFC Bank credit card.The payment options are very much available in the card . I am getting instant answer from the customer related to the card service.I do have a platinum master card of HDFC Bank.
      Was this review helpful? 0
      , patiala
      Reviewed on May 24, 2016
    • HDFC Bank Credit Card
      "Usuage of credit card is very popular these days."
      0.5 2.5/5 "Just OK"
      Service of HDFC bank is very popular and excellent at Patiala. The usuage of credit card is very popular and useful these days . I want to get one. I will be very thankful if HDFC issues me a credit card, I would be very very thankful to bank and its good.
      Was this review helpful? 0
      , patiala
      Reviewed on May 17, 2016
    • HDFC Bank Credit Card
      "Regarding credit card. "
      0.5 5.0/5 "Blown Away!"
      My great experience on this online services of bankbazaar. This service is a fast service and easy to apply for any credit card,home loan, car loan debit card. I think allmost every one is benefited with this bankbazaar online services. I am very happy with the site bankbazaar.
      Was this review helpful? 0
      , patiala
      Reviewed on Jan 16, 2016
    • HDFC Bank Credit Card
      "Poor services!"
      0.5 1.0/5 "Really Bad"
      HDFC executive came to my place to collect the documents. On collecting the documents, they provided me a slip for confirmation. Adding to that, the executive said that the card will be disbursed within 15 days. The card was not disbursed even after 2 months of application. I called the executives to return the documents but he is not ready to return that.
      Was this review helpful? 0
      , patiala
      Reviewed on Dec 28, 2015
    • HDFC Bank Credit Card
      "Easy transactions!"
      0.5 5.0/5 "Blown Away!"
      The good thing about HDFC credit card is, transactions are done in a easy manner in all outlets. Since 2014, I am having the Platinum Edge card with them. Payment is done easily through the HDFC bank savings account. Till now, I never faced any issues with them.
      Was this review helpful? 0
      , patiala
      Reviewed on Nov 26, 2015
    • Kotak Credit Card
      "Need credit limit enhancement!"
      0.5 5.0/5 "Blown Away!"
      Since Kotak Mahindra bank is having good tie up with easy day retails, they offered me a easy day retails card. There are good benefits available on the card by making shopping through the easy day retails shop. The credit limit offered on this card is low, it would be nice if they enhance the limit on the card.
      Was this review helpful? 0
      , patiala
      Reviewed on Nov 26, 2015
    • ICICI Bank Credit Card
      "Easy payments!"
      0.5 4.0/5 "Great!"
      I am fond of watching movies lot and for this purpose, I am using the card. On booking movie tickets using this Coral Masters card in bookmyshow.com, I am getting buy one get one movie tickets. Payment is done through Auto debit mode from the ICICI bank salary account on monthly basis.
      Was this review helpful? 0
      , patiala
      Reviewed on Nov 26, 2015
    • Bank Bazaar Credit Card
      "GREAT EXPERIENCE"
      0.5 4.0/5 "Great!"
      THIS IS THE RIGHT PLACE FOR LOANS AND CREDIT CARD OFFERS. IT SHOWS THE COMPLETE RESULT AND FILTER THE REQUIRED DETAILS. I AM VERY IMPRESSED TO USE THIS SITE. I FOUND THIS SITE FROM GOOGLE SEARCH AND IT SHOWN THE VARIETY OF BANK LOANS AND CCD OFF.
      Was this review helpful? 0
      , patiala
      Reviewed on Nov 19, 2015
    • ICICI Bank Credit Card
      "Wonderful bank..."
      0.5 5.0/5 "Blown Away!"
      HP platinum credit card is a very good card to use. Customer service of ICICI bank is awesome. Everything is being included in the credit card as say for an example the discounts. Discount in fuel station is good and also this card is good in money back offer. I never got any complaints in usage of the credit card.
      Was this review helpful? 0
      , patiala
      Reviewed on Oct 01, 2015
    • Bank Bazaar Credit Card
      "bankbazaar.com choose and get more surprises and much more"
      0.5 5.0/5 "Blown Away!"
      I am very satisfied with Bank bazaar site this is absolutely fine site and comfortable and 100% genuine. Please atleast one time you use this site and I know you will be very happy with bankbazaar site and lots of offers or fun and get chance to win t shirt and mp3 player ha ha ha ha
      Was this review helpful? 0
      , patiala
      Reviewed on Jun 30, 2015
    • HDFC Bank Credit Card
      "credit card"
      0.5 4.5/5 "Excellent!"
      Its a good service from bank bazaar. I like to use this site of bank bazaar I had so many options to take credit card but I like to choose bank bazaar I thank to bank bazaar I used to say bank bazaar is a very good service that's y i choose bank bazaar. it's better to my thinking.
      Was this review helpful? 0
      , patiala
      Reviewed on Jun 03, 2015
    • HDFC Bank Credit Card
      "Satisfied!!!"
      0.5 5.0/5 "Blown Away!"
      Platinum edge credit card with HDFC bank and very recently I have taken this credit card so it is too early to comment about the offers. The rate of interest for EMI is 0% and they took 20 days to deliver the credit card. Documentation process was smooth. In a year the annual maintenance charge is 500 and the limit over my card is 50,000.
      Was this review helpful? 0
      , patiala
      Reviewed on Feb 16, 2015
    • Bank Bazaar Credit Card
      "very fast service "
      0.5 4.5/5 "Excellent!"
      I was trying to apply credit card I search it on just Google reffer me here bank bazaar and it done in just few minutes and verified as well as I filling my form I got msg and e mail for fead back verification. And bank bazaar give you lots of options to applying credit card and loan where ever you lived
      Was this review helpful? 0
      , patiala
      Reviewed on Dec 19, 2014
    • HDFC Bank Credit Card
      "Easy Transactions"
      0.5 5.0/5 "Blown Away!"
      I use HDFC Bank credit card and I feel it is good for all types of transaction and the EMI conversion is very easy. I like their customer service and they very easily sort the issues if i face any. I never used to carry cash in my hand and most of the transactions are done using only HDFC bank credit card"
      Was this review helpful? 3
      , patiala
      Reviewed on May 03, 2014
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