Reviews & Ratings of Cards, Loans, Insurance and Investment Options
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I used RBL card for twice only. I get message or call for EMI conversion from banker. It is a life time free card. Once all the process done I received the card by 15 days. I am holding this card past 6 months. The credit limit is sufficient of 30K. Once I tried to convert for EMI of 3 months it was done on time without any problem. It is Bajaj card.
I have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
I used INDUSIND credit card in petrol bunk for renewing my car insurance and many other purposes. The card does not have EMI facility and the bank have not been able to send my statement because of an issue with my email address. So I was not able to get my card statement on time. The credit limit of the card is only Rs.50000 but it was fine.
My RBL credit card have a credit limit of 40000 it was satisfactory, but the charges of the card is little high which is 1000 rupees per year. The bank agent inform me that i will get a reward points of 1000 if i spend an amount of more than 1 lakh in a year.I used to do my bill payment on time so it help me to maintain my credit without any issue.
I have used SBI credit card for 3-4 years. It is a very convenience card, there is possibility of increasing my credit score. The credit limit is Rs.37000 which was not up to the mark, this card have more offers if i'd do online shopping through flipkart .This a chargeable card with an amount of 499 along with GST. I do my credit card bill payment through online.
I have applied for YES bank credit card through online and the agent gave me the details for the credit card .I have taken the card because its a life time free card. The credit limit was not sufficient but it was manageable, I used this card for domestic ticket booking, bill payment and many other purposes.I got my card statement on time. I am satisfied with the service.
I have taken personal loan from HDFC bank as I need some loan for personal reason. It was nice because the loan was sanctioned on time.The interest rate is 13%. The tenure of the loan is for 4 years but it have completed only 1.5 years. I got my loan easily without any delay.
Even if I forget to convert EMI conversion for the usage of my card, HDFC banker use to contact me to remain for this option. I have been using this card for more than 2 years. Since i applied a bike loan at that time I got this card offer direct from bank. The credit limit of 30K at initial now they enhanced up to 60K. It is a life time free card. They provide movie ticket offer but I didn't prefer. The customer service is good and they make to understand on easy.
It was only one month that i got the credit card with SBI. But it was nice because I used to get many offers sms. I used this card for shopping, fuel, ticket and for others purposes also. The bank agent came and collected the documents, the limit of the card is Rs.54000. This is a chargeable card, it cost 500 rupees per year.
I am using HDFC credit card for the last 4 years. The service is good and have not face any issues.The credit limit is sufficient, it was for 85000 rupees. I used this card for shopping and many other purposes. I pay my credit card bill through on-line.I want to use HDFC mobile app but there is no QR code in the card, it will be more nice if I can get the QR code so that I will be able to use their app.
EMI option is not easy to convert, for each time I need to contact INDUSIND banker and need to raise a request where there was a language barrier issue with them. I would suggest to provide many Tamil executives. They provided a life time free card. I received the card by 10 days. The credit limit is low of only 30K. Since there is good benefits based on that, I chosen this card.
I taken a personal loan from HDFC bank on 2 years back. The tenure period of 3 years. An interest rate is high of 12%. The amount was sufficient and processing fee deducted of 3K. EMI need to pay of 7,175 rupees. I use to get remainder message. There is no option of pre closure. They have sanctioned the loan by 1 week. For first and second month I faced some payment issue so I visited to bank then it was resolved.
SBI has offered an annual fee chargeable card of 499 plus GST but there is waiver off option if I spend 1L within a year hence I applied this card through online and received it by one week. The credit limit is low of 57K only. There are good offers and benefits for online shopping. I am not aware about EMI conversion. For every purpose I need to contact customer care only. When I applied a card they made to take an insurance with charge of 500 rupees but still I didn't receive the documents yet.
I am using this paytm more than 5 years. KYC process completed near by shop. Some time I faced refund issue within 7 days amount will be credit to my account. I use for recharge, shopping and bill payment. Mobile app is user friendly to access. I get voucher of 200 rupees for bus and flight ticket but not use. I would suggest they need to provide cash back rather than voucher.
Standard Chartered customer service delayed to reach me and when I call them there was a language barrier other than this their response is good. I am using this card for 15 years and it is a life time free card, the limit is sufficient more than one lakh. I use this card for many purposes and it is useful for an emergency purpose too.
SBI customer service is not providing good response whenever I contact them. The rate of interest is high. They have deducted 100 rupees for cheque transaction purpose. The limit is low of 63K. I am holding this card for 8 years. I am not getting any calls or message for an update. It is a life time free card. It is a Visa card. My payments are done on time so no idea about EMI facility. But there is no much benefits when I compared with usage.
AMEX has provided an annual fee chargeable card of 5K there is waiver off option but it is not much usable up to me because I wont spend much amount within a year to get waiver off. So I decided to cancel the card. The credit limit is increased up to 2L. I am holding this card for past 15 years. One drawback is this card not acceptable in many places. I am not able to use in petrol bunk as well. If I contact customer service facing language issue and they are not arranging the call back as well. I get reward points based on usage which is converted to cash and I can use for recharge purpose.
I have opened my bank account in State Bank Of India before 3 years and I decided to take credit card from the same bank.The credit limit of the card is sufficient for me. If bank provide the statement on time, it will be good and I used to pay credit card bill through online.
I got a call on delay of 10 days from INDUSIND for verification purpose. Once all the process was done I received the card later by 25 days. The credit limit is not sufficient and low of 50K only. This card is usable for all purchases. Since it is a free card so chosen it. I have not opted for EMI conversion.
State Bank Of India is located nearby in our area so i open my saving account from that bank ,customer service was good, I got my bank statement on time the bank agent informed me every details required. It is very easy and convenience for money deposits.
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