Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Ranchi Credit Cards is Rated as "Great!" by 56 Users

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    Ranchi Credit Cards

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

    The capital city of the state of Jharkhand, Ranchi has a lot to boast about. It is a city with an urban format that caters to the growing needs of the city. The city was a big part of the Jharkhand movement, where the quest for a separate state finally saw victory. The city today, is well on its way to accelerated growth and development. Since the separation of the state, the city of Ranchi has adopted an open attitude to welcoming new industries and encouraging trade and commerce. Ranchi city has total population of 1,073,440 making it the 37th largest urban city in India. The population of the city is on a steady increase and now that the city is well connected with other major parts of the country, there is a trend suggesting migration from nearby locations. A major healthcare hub for nearby towns and a strong contributor to the nations economy, Ranchi has definitely made its way up the ladder.

    If you want to apply for a Ranchi Credit Card, understand that Bankbazaar.com can help you with the decision by offering you timely information, comparison tools, eligibility options and so much more. You dont have to spend hours in front of your computer to apply for a Ranchi Credit Card, your application will be loaded within minutes and you will receive the card in the mail in a couple of days. Let us begin the journey by looking at some of the benefits of applying for a credit card in Ranchi.

    • Wide range of choice to suit all credit needs
    • Availability of cobranded cards
    • Women specific cards
    • Extensive reward programs with attractive cash back offers

    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
    • You can set the ball rolling by filling out a simple eligibility form. Once thats done, you will get offers from reputed banks and credit card companies to choose from. Its that easy to get started with your credit card applications.
    • BankBazaar.com also allows you to compare the offers you have received based on features that can make or break a credit card offer for you. The credit limit on the card might be of importance to some while others might be particular about the interest rate they are charged on it. From customer ratings to cash withdrawal fees, you can compare the cards based on various factors before making your decision.
    • You can then make your application online and get much needed peace of mind as we will offer you information at regular intervals.
    • Your personal information will always be safe with us, and be only sent to the credit card company of your choice.

    How to get Ranchi 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

    Ranchi Credit Cards Reviews

    • HDFC Bank Credit Card
      "Good options"
      0.5 5.0/5 "Blown Away!"
      I hold a Hdfc credit card for quite a long years with a good limit,get a more options for purchase purpose and its very useful for the customer to transact in case of emergency if they don't have a hard cash handy.I would definitively suggest hdfc card to my near ones.
      Was this review helpful? 0
      , ranchi
      Reviewed on Oct 13, 2017
    • HDFC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      HDFC BANK offered life time free credit card based on my car loan. Just using for the normal purpose it is good and I am happy with the credit limit of Rs.25,000.The customer services and response is good.I received good reward points.Statement everything is clear.
      Was this review helpful? 0
      , ranchi
      Reviewed on Oct 04, 2017
    • SBI Cards Credit Card
      "SBI Comes ICICI"
      0.5 4.0/5 "Great!"
      SBI is as good as ICICI. Few features are the same as ICICI few options like flex i loans and flex i EMI etc are very much interesting. I get these offers regularly from SBI. I normally place the request for the same through online It is quite difficult to reach their customer care executive as couple of times I tried reaching them and it was a failure.
      Was this review helpful? 0
      , ranchi
      Reviewed on Aug 08, 2017
    • HDFC Bank Credit Card
      "Normal card"
      0.5 4.0/5 "Great!"
      I always get a message stating there is no option to convert the amount in to EMI and thats the hindrance there. A part from that there are no issues with HDFC . Nothing interesting, all the time it is one the same as ICICI expect for their EMI options. I even tried reaching their customer care too ,it is good.
      Was this review helpful? 0
      , ranchi
      Reviewed on Aug 08, 2017
    • ICICI Bank Credit Card
      "It is good"
      0.5 5.0/5 "Blown Away!"
      For me ICICI credit card is the best in all the ways and means customer care is reachable IVRS is easy to reach out to the customer service executive. ICICI EMI options are great . It is a chargeable number, IVR PATH is very easy . They do take care off of customer issues.
      Was this review helpful? 0
      , ranchi
      Reviewed on Aug 08, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I am enjoying reward points, cash back offers, fuel surcharge waiver and offers on the selective restaurants with the ICICI Platinum Chip card. I am very much happy about the credit limit which was offered on my ICICI bank credit card. I am holding this Platinum Chip card for the past 5 months. The rate of interest is very much nominal on this card I am very much happy to use this Chip card.
      Was this review helpful? 0
      , ranchi
      Reviewed on Jun 21, 2017
    • Citibank Credit Card
      "Better Service"
      0.5 3.0/5 "Satisfactory"
      Yes, I do hold a Citi bank credit card, but I am not using this card for shopping purposes. The services are good and I never faced any kind of issues with the bank. The one which I hold is a life time free card, the bank is crediting reward points and cash back offers if I use the card.
      Was this review helpful? 0
      , ranchi
      Reviewed on Jun 16, 2017
    • SBI Cards Credit Card
      "The best bank for credit cards"
      0.5 4.0/5 "Great!"
      SBI is the best bank for credit card services. They are providing a lot of offers to their customers. Even everywhere they are accepting SBI card on shopping. I hold charge free credit card. I have an option to convert the points into cash as well.
      Was this review helpful? 0
      , ranchi
      Reviewed on Jun 16, 2017
    • ICICI Bank Credit Card
      "Comfortable to use"
      0.5 4.0/5 "Great!"
      I use ICICI credit cards for a long time. The bank offered me life time free card. I am getting reward points and cash back offers regularly. I never faced any kind of issues with the bank in terms of the credit card. Their customer support rendered by them is also good.
      Was this review helpful? 0
      , ranchi
      Reviewed on Jun 16, 2017
    • Citibank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of Citibank and the banking services has always been the best. The team is always excellent in communication and the online banking is too good. The overall experience has been perfect till date and they are also doing well especially when it comes to offers.
      Was this review helpful? 1
      , ranchi
      Reviewed on Jun 09, 2017
    • SBI Cards Credit Card
      "Satisfied "
      0.5 5.0/5 "Blown Away!"
      State Bank of India has done exceedingly well when it comes to credit card. I get six free movie tickets per month. I also get so much offers at the online stores and on all the purchases too. My credit limit is excellent too and I am very much happy to use this card of SBI,
      Was this review helpful? 1
      , ranchi
      Reviewed on Jun 09, 2017
    • HDFC Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I bank with HDFC bank for a credit card as well and the bank is top in giving me the best of offers and lots of benefits on the card. The customer services are good and they are responsive as well. I have not seen any difference in my statements and it has been a good experience till date.
      Was this review helpful? 1
      , ranchi
      Reviewed on Jun 09, 2017
    • SBI Cards Credit Card
      "Good card to hold"
      0.5 4.0/5 "Great!"
      The customer service and the response is very bad with SBI, they can improvise their service in future. I hold a simply save credit card with SBI. This card has the reward points , cash back offers, fuel offers and on-line off-line shopping offers. I am happy with the credit limit. The rate of interest is nominal with this card. Overall, I am happy using this card.
      Was this review helpful? 0
      , ranchi
      Reviewed on May 29, 2017
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      Maintaining a HDFC bank MoneyBack credit card for past 10 years. I can say, I am an existing customer to HDFC bank. I get benefits like reward points, cash back offers, fuel offers and etc with this card. I am happy with the credit limit with moneyback card. The rate of interest is nominal with this card. I pay the credit bill through interent banking, which is easy and transfers happens instantly.
      Was this review helpful? 0
      , ranchi
      Reviewed on May 29, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 4.0/5 "Great!"
      Since, I am using this ICICI credit card for past 3 years. I get benefits like reward points , cash back offers and fuel surcharge waiver, movie tickets offers with this card. The rate interest is nominal with this card. ICICI can increase the credit limit in future. Overall, I am satisfied with this card.
      Was this review helpful? 0
      , ranchi
      Reviewed on May 29, 2017
    • Bank Bazaar Credit Card
      "Excellent Interface and User Friendly"
      0.5 4.5/5 "Excellent!"
      BankBazaar came up with a revolutionary interface for all those person needs loan or card and in the comfort of Home with a Hassle free way .We know they have lot give to us with there technology and personalized interest for customers.wish all success and many more to go.
      Was this review helpful? 0
      , ranchi
      Reviewed on Apr 22, 2017
    • HDFC Bank Credit Card
      "Good services"
      0.5 4.0/5 "Great!"
      When I use my HDFC credit card at smart buy, I used to get offers on my flight bookings which is very much useful to me as I travel much. HDFC Bank is pretty good in the services and they also have other decent offers as well. The credit limit is also decent and it is very much satisfacotry as well.
      Was this review helpful? 1
      , ranchi
      Reviewed on Apr 21, 2017
    • ICICI Bank Credit Card
      "Need improvement in services"
      0.5 2.0/5 "Expected more"
      There are no much attractive offers on my credit card and overall it is not useful to me, when I compare the same with other banks. Though there is a credit limit, but I look forward for the benefits on the card. ICICI bank needs a lot of improvement in almost all the products.
      Was this review helpful? 0
      , ranchi
      Reviewed on Apr 21, 2017
    • Bank Bazaar Credit Card
      "Credit Card"
      0.5 5.0/5 "Blown Away!"
      It's good and hassle free to submit document online ,great approach by bank bazaar It's very easy to submit documents and processing is faster. I would recommend everyone to go for Bank bazaar and get your all jobs done faster than to go to bank. We can rely on bank bazaar.
      Was this review helpful? 0
      , ranchi
      Reviewed on Mar 17, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      HDFC BANK offered life time free credit card based on my car loan. Just using for the normal purpose it is good and I am happy with the credit limit of Rs.25,000.The customer services and response is good.I received good reward points.Statement everything is clear.
      Was this review helpful? 0
      , ranchi
      Reviewed on Feb 02, 2017
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