Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Syndicate Bank Credit Card

    Syndicate Bank, one of India’s oldest commercial banks, offers a single credit card to its customers. This credit card comes in two variants, the Gold and the Classic. Being one of the major banks in India, it offers loans, fixed deposits and other related services to a million customers. With its credit cards, it offers a host of benefits and features that include convenience, affordability and simplicity.

    Why Choose Syndicate Bank Credit Card?

    Syndicate Bank offers you a credit card which is absolutely free of cost and is free for life! Be free from joining fees and annual fees. Syndicate Bank also charges one of the lowest finance charges of 2% per month. With these credit cards, you can even earn rewards which you can redeem against your renewal fees, or encash it at 50 paise per point.

    Features and Benefits of Syndicate Bank Credit Card

    Choice of two variants Syndicate Bank offers two cards, the Classic and the Gold. Both cards are photo and signature cards
    Interest-free credit period Avail of credit periods of 20 days to 50 days on your purchases. This depends on the date of transaction and if the previous balance is cleared in full.
    Low interest rates Get attractive rates of interest on your revolving credit as low as 2% per month or 24% per annum. Upon default, you could attract higher interest rates of 2.5% p.m.
    Rewards Earn reward points when you use your credit card. For every Rs. 200 spent on your Syndicate Bank credit card, you will earn 1 point.
    No annual fees Avail of this card at no cost, and furthermore, enjoy zero annual fees for life.
    Global Acceptance Syndicate Bank credit cards are accepted in more than 9 lakh merchants in India, and over 300 million merchants around the world.
    Cash advance Withdraw cash through any of the Syndicate Bank ATMs at concessional rates.
    Add on cards Get supplementary cards for your family members above the age of 18.

    List of Syndicate Bank Credit Cards

    Syndicate Bank offers only one credit card in two variants.

    Syndicate Bank Global Credit Card

    • Classic Credit Card - For individuals earning an annual salary or pension of at least Rs. 60,000, this card is ideal. Self-employed, professionals and the business segments should show an income of Rs. 1 lakh per annum.
    • Gold Credit Card - A high-end card that offers a host of benefits to its customers, the Gold credit card brings more joy to spending. Individuals earning an annual salary of Rs. 1.5 lakhs can apply. Self-employed, professionals and businesses should be earning at least Rs. 2 lakhs per annum. This card is not available to senior citizens and pensioners.

    Syndicate Bank Credit Card Interest Rates

    Charge VISA Gold ‘N More
    Entry fee Nil
    Annual Fee Nil
    Renewal Fee Levied every three years if applicable
    Rate of interest per month 2.00% (24% per annum)

    Eligibility for Syndicate Bank Credit Card

    In order to be eligible for a Syndicate Bank Credit Card, you should meet the following eligibility standards set by the bank.

    • You should be above 21 years. Minors are not eligible.
    • For salaried individuals, the maximum age is 60. For self-employed people, it is 65 years. This is extended for senior citizens and pensioners to 75 years.
    • Salaried individuals, senior citizens and pensioners earning at least Rs. 60,000 can apply.
    • Self-employed earning at least Rs. 1 lakh can apply.
    • You need to have a PAN card, a Permanent Account Number which is issued by the Income Tax Department.
    • Cards are also issued to NRIs and foreign nationals working in India provided they have a bank account with Syndicate Bank, and is subject to terms and conditions.

    Documentation Required for Syndicate Bank Credit Card

    • A copy of PAN card
    • Residential proof, such as a passport, Aadhar card, utility bills or driving licence.
    • Income Proof
      • Last 3 months salary slip
      • Last 3 months bank statement
      • Latest IT Returns
      • Form 16
    • NRIs and foreign nationals need to submit a copy of their passport and VISA, or equivalent proof of their stay abroad. They also need to submit proof of employment, residence and income.

    FAQs on Syndicate Bank Credit Card

    1. When is the payment on my credit card billed?

      The Credit Card Statement will be generated on the 20th of every month. Syndicate Bank stipulates the payment due date as the 10th of the succeeding month.

    2. What is the minimum due on my credit card bill?

      Syndicate Bank imposes 10% of the total payment as the minimum amount due. This amount must be paid by the due date to avoid penalties, higher rates of interest and other corrective action.

    3. Does Syndicate Bank offer credit cards to pre-approved customers?

      Yes, Syndicate Bank offers credit cards to existing customers without the need for proof of income. Home loan, term deposit, pigmy deposit, car loan customers can be offered credit cards with prefixed limits. The limits depend on the customer’s relationship with the bank. Defence personnel and Judges are also eligible for pre-approved credit cards.

    4. What is the cash advance limit on my Syndicate Bank credit card?

      Classic Cardholders can withdraw 15% of their credit limit. Gold Cardholders can withdraw up to 25% of their credit limit. Syndicate Bank offers concessional charges on cash advances, however, interest will be charged from the transaction date.

    5. How do I pay my credit card bill?

      You can pay your Syndicate Bank Credit Card bill through the following ways.

      • Visit any Syndicate Bank branch and make the payment in cash.
      • Drop a cheque or DD at the bank branch.
      • Account holders can use the auto-debit facility.
      • Account holders can also make payments through the online banking portal.
      • Customers can pay through other bank accounts or VISA cards using NEFT or VISA money transfer.

    *Note: All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time.

      

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    Syndicate Bank Credit Cards Reviews

    • Syndicate Bank
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Syndicate Bank credit card which was taken through bank directly.This was a life time free card and using this credit card for the past 1year ,this credit card is very useful on all situations and much comfortable with the service .The credit limit was very less it was 60,000 which could be increased.
      Was this review helpful? 36
      , coimbatore
      Reviewed on Dec 22, 2019
    • Syndicate Bank
      Syndicate Bank
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using Syndicate Bank credit card which was applied directly through Bank and using for the past 3 years and this was a free card .I have got all the required details through the agent .The credit limit was really good and there was no difficulties faced so far .I am pretty comfortable on using this card.
      Was this review helpful? 30
      , bangalore
      Reviewed on Jul 16, 2019
    • Syndicate Bank
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using Syndicate Bank credit card which was got through directly .I have got all the relevant details about the card process ,I have got very good credit limit and this card is easy to access,I have not any difficulties so far ,I have got the card on time and having good reward points and also cash back offers .I am using this card for the past 2.5 years .
      Was this review helpful? 24
      , bangalore
      Reviewed on Jul 15, 2019
    • Syndicate Bank
      "Ok Ok"
      0.5 4.0/5 "Great!"
      I have a salary account with Syndicate Bank and customer service is average. Whenever I call them the response was not proper and they are telling me to visit the branch. Its a zero balance account. They are charging yearly fee for the debit card. ATM networks are more.
      Was this review helpful? 25
      , bangalore
      Reviewed on May 13, 2019
    • Syndicate Bank
      "Good Credit card all spends"
      0.5 5.0/5 "Blown Away!"
      Before two months I have taken Syndicate credit card, its a good life time free credit card. The credit limit is very satisfactory around Rs. 1 lakh, the reward points are very good based on the credit card spend and also the mobile app is very good.
      Was this review helpful? 27
      , bangalore
      Reviewed on Apr 09, 2019
    • Syndicate Bank
      "Good Card"
      0.5 3.0/5 "Satisfactory"
      Even syndicate bank have charged me annual fee in this card,they have charged me up to 500 as fee with no waived off option available in this card,but they have given me good credit limit,it was sufficient for me,so far they have not charged me any hidden charges.
      Was this review helpful? 22
      , hyderabad
      Reviewed on Apr 09, 2019
    • Syndicate Bank
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have been using syndicate credit card for last few years . Am satisfied with the credit limit which they have provided . There is annual charges for the card which gets waived off after using certain limit . Am getting cash back points . Overall am satisfied with their customer service and response .
      Was this review helpful? 25
      , hyderabad
      Reviewed on Dec 14, 2018
    • Syndicate Bank
      "FANTASTIC"
      0.5 5.0/5 "Blown Away!"
      I have SYNDICATE bank salary account , the branch service is very good, even customer support is well worse, and the mobile application is good the net banking too is good and even i would like to rate 5 stars to this bank because service is excellent.
      Was this review helpful? 25
      , bangalore
      Reviewed on Oct 01, 2018
    • Syndicate Bank
      "GOOD SERVICE "
      0.5 4.0/5 "Great!"
      I have converted my savings account into my salary account, average balance which i have to maintain is rs1000, customer service is good, website is also fine, i had one issue for the cheque book but later it got rectified and resolved by them.
      Was this review helpful? 22
      , hyderabad
      Reviewed on Aug 13, 2018
    • Syndicate Bank
      "Good service"
      0.5 5.0/5 "Blown Away!"
      It has been almost five years since i have started using the services of them. They had given me with a credit limit of 60,000 which has been satisfactory. I had been using the card for shopping and for other purchases and i had been getting some good offers that have been available with the card.
      Was this review helpful? 25
      , chennai
      Reviewed on Jul 29, 2018
    • Syndicate Bank
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a car loan with Syndicate bank and the loan experience was good, the loan amount was for Rs 3.4 lakhs and it is a new car. The loan amount was based on on-road price. The rate of interest was nominal and the tenure period is 6 years out of which 3 years already completed.
      Was this review helpful? 22
      , chennai
      Reviewed on Jul 26, 2018
    • Syndicate Bank
      "good"
      0.5 4.0/5 "Great!"
      i am holding SYNDICATE credit card for past 8 month, this is life time free card and my credit limit is 75000 and i am satisfied with that. The customer service of this bank is excellent.mostly i use this card for shopping, bill payment and i am getting good reward points for that.
      Was this review helpful? 28
      , mumbai
      Reviewed on Jul 20, 2018
    • Syndicate Bank
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with Syndicate bank from last 1 year, there is no annual fee charged for this credit card and the credit limit is sufficient in this card. Net banking is easy for making payments. Offers like reward points and cash back are good in this credit card.
      Was this review helpful? 19
      , bangalore
      Reviewed on Apr 11, 2018
    • Syndicate Bank
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the SYNDICATE BANK Global credit card for the past 4 years. The customer support service is good with the SYNDICATE BANK, I use this card for online purchases, electrical bills , bill payments , recharges and for other usages. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 20
      , hyderabad
      Reviewed on Mar 27, 2018
    • Syndicate Bank
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Syndicate Bank credit card from last 4-5 months, i find this credit card is very convenient to use. They did not charge any annual fee at the time of getting this credit card. I am not aware of any offers in this credit card. I make my payments directly to the bank. I have a credit limit of Rs 50000 and the cash limit of Rs 12500 which is satisfactory.
      Was this review helpful? 23
      , bangalore
      Reviewed on Dec 28, 2017
    • Syndicate Bank
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been using gold credit card with syndicate bank they offered me a credit limit of 1k which was comfortable for me for the past two years there is no good offers with syndicate which was disappointed for me with syndicate service it was a average experience with syndicate bank for my credit card service.
      Was this review helpful? 22
      , hyderabad
      Reviewed on Nov 23, 2017
    • Syndicate Bank
      "Excellent service "
      0.5 4.0/5 "Great!"
      I hold a credit card with syndicate bank for past few years.The current limit on the card is 1.5 lakhs.Its an annual fees credit card.I earn reward points for every purchase its around 2%.One drawback is no Easy EMI options is available for this card.
      Was this review helpful? 24
      , pune
      Reviewed on Oct 27, 2017
    • Syndicate Bank
      "Really good"
      0.5 5.0/5 "Blown Away!"
      I do have a Gold visa card with Syndicate Bank and the service provided is really good.They donâ??t provide any EMI or any other option in this card.I mostly use the card for shopping purpose.I do pay my bills on time which is around 10th of every month.The charges applied was quite high in the card.
      Was this review helpful? 33
      , shimoga
      Reviewed on Sep 10, 2015
    • Syndicate Bank
      "Better One"
      0.5 4.0/5 "Great!"
      The problem of the syndicate bank credit card is lacking the online service. Satisfaction level of the customer is not so far because of the transparency. The services are fine. I would like to suggest that they need to provide the online service. Offers are nice and they are redeeming the points through the cash.
      Was this review helpful? 27
      , bangalore
      Reviewed on Sep 01, 2015
    • Syndicate Bank
      "Reduce the cost"
      0.5 4.0/5 "Great!"
      I am having the syndicate bank credit card. The gold card that am using is having good credit limit and I would like to increase it. The services are good with them and the rate of interest is high with them. There are offers which is not good for me.
      Was this review helpful? 32
      , sivagangai
      Reviewed on Aug 25, 2015
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