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  • Patna Credit Cards is Rated as "Excellent!" by 106 Users

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    Patna Credit Cards

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

    Need a credit card in Patna? At Bankbazaar.com we can help you get the most excellent credit card for use and introduce you to all the conveniences that it offers. Our portal contains the best in free finance tools to:

    • help you comprehend your unique credit card requirements
    • get news on the best cards that suit your eligibility
    • study and compare features
    • make a choice responsibly

    With Bankbazaar at your service you can be rest assured that we will offer you every help to identify and pick out the best card deal in Patna and get e-approved instantly. One interesting fact about Patna is that it has been known during its tenure of existence in the past - which is roughly not less than 2000 years - by a gamut of names, the most widespread amongst them being Patliputra, Patligram, Pushpapura, Kusumpur and of course, the modern day Patna. Etymologically, the name of Patna is derived from Patan, which is again a distinct derivation from Patan Devi, the name of a Hindu goddess. A temple housing the idol of the goddess is still found in the Old Patna zone, in close proximity to Gai Ghat. Patna also finds a mention in the records documented by Fa-Hien, the famous Chinese traveler, as Pa-lin-fou.

    Megasthenes, the Indo-Greek ambassador who came to India during the reign of Chandragupta Maurya has given one of the earliest descriptions of the place in his historical manuscripts and in that he specifically mentions that Patna was one of the grandest cities in the world during its glorious days. Historical data also conveys that a number of dynasties positioned themselves in this region to rule the subcontinent of India, mentioning in particular the Pala kings and the Gupta Empire. In the 17th century, the city became a hub for international trade, thanks to The English East India Company and during the later era, many natives of Patna participated in the freedom struggle of the country. 2011 Census records the population of Patna to be 1,683,200 (within corporation margins) with a literacy rate of 84.71%. The geographical area covers approx. 3,202 square kilometers. There is a big community of Jains, Buddhists, Christians, Sikhs and Muslims living in the city. Magadhi is the native dialect of the region; main language spoken is Hindi; and Bengali, Bhojpuri and Oriya are also extensively spoken.

    Some interesting facts about Patna are as follows:

    • It is the most populated city in Bihar
    • It is second-most populated city, after Kolkata, in the Eastern zone
    • In 2009 June, the World Bank assigned Patna a 2nd position (in India) for easiness of business commencement
    • Patna has been ranked as the 21st quickest developing cities in the whole world and the 5th quickest in India, on account of the City Mayors' Foundation
    • Patna records the steepest GDP ($10.5 billion) in Bihar.
    • It is likely to develop @ an average yearly rate of 3.72%.

    Patna has since long been a chief agricultural business hub, its most dynamic dealings being in sugarcane, grain, sesame and the very famous Patna rice. Numerous sugar mills exist in Patna and its peripheries Patna holds several significant governmental educational institutes in its heart like IIT- Patna, AIIMS- Patna, NIT- Patna, NIFT- Patna and IGIMS- Patna. Bankbazaar can help you shop for the right credit card in Patna. We understand that your Patna credit card requirements might be different from your spouse and you need to have some special features in your card. We partner with some of the best credit card providers in the industry like Axis bank, Punjab National Bank, HDFC, HSBC, ICICI, SBI etc. and can help you pick out the lowest rate card and the most beneficial Rewards program easily. Use our award-winning finance tools to check your Eligibility Now!

    Get the 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
    • All you have to do is fill out the form that will establish your eligibility. Once you have done that you will be sent credit card options that you are eligible for. Since they come from the best banks and financial institutions you wont miss out on the offers out there.
    • BankBazaar.com then encourages you to compare these offers based on wide ranging factors like interest rates, finance fees, credit limit, cash advance limit etc. Balance transfer facility is something you might want to look at if you are trying to get rid of your old card. Only when you have compared these offers based on your individual requirements should you make your choice.
    • We then let you make a simple application online and offer you updates along the way so that you know how things are progressing.
    • Your personal information is protected with us and we only send it to your chosen credit card company.
    How to get Patna 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 Patna

    Patna Credit Cards Reviews

    • Axis Bank Credit Card
      "Easy to hold"
      0.5 4.0/5 "Great!"
      With AXIS bank i have a titanium credit card. I get some reward points with this card. They are providing some cash backs for some purchases. I hold this credit card with them for more than 2 years.The annual charge is 750 rupees. good card to hold.
      Was this review helpful? 0
      , patna
      Reviewed on Nov 18, 2017
    • Axis Bank Credit Card
      "average service"
      0.5 3.0/5 "Satisfactory"
      I can say AXIS bank service is not good for my credit service ,there charges is very high also the statement was not proper . Even the customer service was not supportive so overall service is average from AXIS. I feel they need to improve some more in their service.
      Was this review helpful? 0
      , patna
      Reviewed on Oct 05, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 4.5/5 "Excellent!"
      I am having a HDFC bank platinum credit card . I use this card for all kind of purchases and for car loan payments and for other bill payments. The rate of interest is High with HDFC bank. I am satisfied with the credit limit. I would say it is a very good card to use.
      Was this review helpful? 0
      , patna
      Reviewed on Oct 04, 2017
    • ICICI Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      There are a lot of offers on the credit card with ICICI bank. The customer support is good and they keep me informed about the deals I am eligible of. The bank has offered me a decent credit limit and there are no charges taken for the facilities.
      Was this review helpful? 0
      , patna
      Reviewed on Sep 29, 2017
    • SBI Cards Credit Card
      "Very Good"
      0.5 4.0/5 "Great!"
      I am using the SBI credit card from the last three years of time. I would like to say that the response is good one with them and the customer service is not really good. Credit limit value is good one with the SBI credit card.
      Was this review helpful? 0
      , patna
      Reviewed on Sep 28, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using the HDFC bank credit card and I would like to say its best one for me, also on timely basis they are providing offers to get more benefits. I would like to say that the response is good one with the HDFC bank credit card.
      Was this review helpful? 0
      , patna
      Reviewed on Sep 28, 2017
    • Axis Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using the Axis bank Titanium credit card for more than 5 years. I use this card for shopping purpose and for travel usage, This card has the benefits of reward points, cash back offers and other offers. I am satisfied with Axis bank credit limit .
      Was this review helpful? 0
      , patna
      Reviewed on Aug 29, 2017
    • HDFC Bank Credit Card
      "Moderate Service"
      0.5 3.0/5 "Satisfactory"
      To be frank, I am not happy with HDFC bank in terms of the credit card services. My card has only 32K as a credit limit which is very low. Actually it was 36K in the beginning and I do not know what went wrong but they reduced it to 32K. At least they should have informed about the reason for reducing it. Because my transactions are very good and clean. So for me, this is an average service.
      Was this review helpful? 0
      , patna
      Reviewed on Aug 17, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      Having HDFC bank Money-back credit card for more than 2 years. The customer support is good with HDFC bank. This card has the annual fee of Rs.500 . I am satisfied with the credit limit. This card has benefits like reward points which can be redeemed as cash.
      Was this review helpful? 0
      , patna
      Reviewed on Aug 11, 2017
    • ICICI Bank Credit Card
      "Fair Service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank offered a life time free credit card. But in the last six months, they did not upgrade the credit limit so I am not happy with the bank for its credit card services. Reward points and cash back offers are there but do not know about redeeming the points as cash.
      Was this review helpful? 0
      , patna
      Reviewed on Aug 03, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      SBI has been good in the services and the offers they provide on the credit card. They have given me a good credit limit 60000 rupees .The services and response has been good . The statements are also clear. And its been just two months now since I had been holding an account with them.
      Was this review helpful? 1
      , patna
      Reviewed on Jun 14, 2017
    • Axis Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I do have credit card with the Axis bank and am with them from the last eight to nine months of time. Credit limit value with the Axis bank is around 20000 Rupees and am okay with this. I get normal discounts offers with them till now ,they have the time limit of 45 days of due date. Customer service and everything is good with them.
      Was this review helpful? 0
      , patna
      Reviewed on Jun 14, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I hold a credit card of HDFC Bank, what ever benefits I get on this card is very much satisfactory. The services are also up to the mark as I had not faced any difficulties in receiving my statements or getting intimated on the transactions which I do on this card. The credit Limit they have offered is 65k and its a life time free card
      Was this review helpful? 1
      , patna
      Reviewed on May 29, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I hold a Coral Credit card, I am holding this for the past 3.5 years. The credit limit is up to RS.30,000 and I am happy with that. The benefits like reward points, cash back offers which I get on this card. And this is a life time free credit card and I do get all my statements from them on time.
      Was this review helpful? 0
      , patna
      Reviewed on May 29, 2017
    • SBI Cards Credit Card
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      SBI provides me with the best of services and offers on my credit card as well. The customer support is good and they are helpful when I approach them. The statements are sent to me on time and I have not faced any difficulties till date and there are many benefits through the ongoing offers too.
      Was this review helpful? 0
      , patna
      Reviewed on May 03, 2017
    • HDFC Bank Credit Card
      "Need transparency "
      0.5 1.0/5 "Really Bad"
      Need much transparency with Hdfc credit card department. Told to convert my credit payment to EMI options, but still I haven't got the confirmation on that. The rate of interest and the charges levied very high. This credit card has the cash back points but I have not used it yet. The payment date is 12th of every month, which automatically deducts the amount from my account for the credit card payment. The credit limit remains the same but the due amount is getting increased month on month. There is no transparency in their calculations.
      Was this review helpful? 0
      , patna
      Reviewed on Apr 17, 2017
    • ICICI Bank Credit Card
      "Nice card with low credit limit"
      0.5 2.0/5 "Expected more"
      I m using this ICICI credit card for past 6months. I get good benefits with this card like fuel surcharge waiver. I can say it is a good performance card. ICICI can give more importance with the exiting customer. ICICI must be focused a lot in service.
      Was this review helpful? 0
      , patna
      Reviewed on Mar 17, 2017
    • HDFC Bank Credit Card
      "Good to use this card"
      0.5 5.0/5 "Blown Away!"
      I am using this HDFC credit card around 6years. HDFC gives good credit limit. I am also getting good benefits while shop through online, and good reward points when, I use this card. I pay the bill through net banking, its easy to handle the hdfc web portal.
      Was this review helpful? 0
      , patna
      Reviewed on Mar 17, 2017
    • ICICI Bank Credit Card
      "Should be transparent in their commitments"
      0.5 1.0/5 "Really Bad"
      ICICI customer support not upto the mark, Initially ICICI promised me, I would be getting the free credit card for one year. Once my card dispatched, I received call from ICICI customer support and informed there would be some annual charges for the credit card. I am really disappointed with their miscommunication, Now I am planning to close my ICICI credit card.
      Was this review helpful? 0
      , patna
      Reviewed on Feb 22, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is really good and their customer support is very much supportive. I am holding Titanium Times card, I used to get rewards points based on my credit card transaction but I could convert those points only to get vouchers not for cash or bill payment. HDFC bill part is transparent and clear there are no issues on it.
      Was this review helpful? 0
      , patna
      Reviewed on Feb 22, 2017
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