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    Patna Credit Cards

    Card
    1st Year Fee
    Rewards
    Joining Perks
    499
    Response Time Within 30 minutes
    Paperless approval option available
    0
    Response Time Within 30 minutes
    3000
    Response Time Within 30 minutes
    1000
    Response Time Within 30 minutes
    Instant Decision
    0
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    0
    Response Time Within 30 minutes
    9999
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    499
    Response Time Within 30 minutes
    Paperless approval option available
    Close

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

    Patna Credit Cards Reviews

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    Patna Credit Cards is Rated as "Excellent!" by 84 Users

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    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
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