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  • Vadodara Credit Cards is Rated as "Excellent!" by 309 Users

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    Vadodara Credit Cards

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

    Are you looking for a credit card in Vadodara? Well, with Bankbazaar at your service you are not very far from it. The best and the most important banks and NBFCs in the country collaborate with us and we ensure that we search out for our patrons only the best credit card offers in the arena. The state-of-the-art finance tools that our site includes are geared to

    • Help you gauge your exact credit card requirements
    • Get offers for the most attractive low-rate credit cards
    • Evaluate and compare different credit card features
    • Choose one responsibly
    At Bankbazaar, we further provide you with 100% support to get instant e-approval for your credit card. Vadodara or Baroda is an important city in Gujarat, the Indian state. It is situated towards the south-east corner of Ahmedabad - another significant metropolis in the state - on the banks of River Vishwamitri. The emergence of the name of Vadodara is quite an interesting story. Almost 2000 years ago, a little township known by the name of "Ankottaka existed on the Vishwamitri river bank, towards its west. During the 600 A.D. ruthless floods occurring in the river vicinity forced the population of the region to shift to the eastern bank of it, to a small village called "Vatpatrak", meaning the Banyan tree leaf. With time, the name evolved to Baroda and then Vadodara, replacing Ankottaka as the central town.
    Incidentally, Vadodara is one place in India which has had a number of interesting names to its credit like Chandanvati, Ankottaka, Virakshetra,, Baroda and finally Vadodara. 2011 census records the population count of Vadodara to be around 1,666,703 with an average literacy rate of 81.21%. The citys geographical area is spread over148.95 km2 in total, occupied mainly by Gujaratis and followed by a cosmopolitan crowd from all over the nation. Gujarati is the everyday language spoken here, closely seconded by Hindi, Marathi and English. Almost all important festivals and events are celebrated in Vadodara with great enthusiasm. Hinduism, Islam and the Jewish religion are the main faiths followed. Some interesting facts about Vadodara are as follows
    • Due to its rich cultural heritage, Vadodara is also popularly known as the Sanskrit Nagar or the Kala Nagari
    • The place is well-connected by train, bus and air
    • Apart from being an educational/cultural hub, Vadodara scores highly as one of Indias premium commercial centers
    • It is the 20th largest city in India
    • It is the 3rd biggest city in Gujarat
    • Vadodara's GDP growth rate in the phase between 2001-2002 and 2006-2007 has been 9.8 %, which is greater than India's standard rate of 8 %
    Experts suggest that the Sardar Sarovar Project (SSP) has assisted in enhancing productivity in Vadodara and its peripheries Vadodara hosts the International Marathon every year and it has earned many accolades time and again for being a remarkable Indian non-metro city to host a marathon of such huge status Above 15 renowned Indian Cricketers have said that they took part in their dream (childhood) cricket matches at the famous Moti Baug at Vadodara, one of the oldest names in Asian cricket grounds Vadodaras economy is mostly focused on compounds & fertilizers, medicines, fisheries, fiber weaves, dairy and machine gears. Some significant crops harvested in Vadodara are rice, wheat, grams, yellow peas, yarn and sugarcane. The city and its vicinity is also home to major corporate names like GSFC, GACL, GIPCL, ONGC, General Motors, Panasonic and L&T. More than 120 public schools and 100 odd private schools exist in Vadodara and it also houses many important educational institutes of the nation. A noted name amongst them is the MS University. Bankbazaar can guide you in your endeavor to get a reliable Vadodara credit card. Just tell us a few details about yourself (fill up our e-form) and we ensure that we will find out the best card offers for you. The most respectable credit card providers in India like HSBC, CitiBank, SBI, PNB, UBI, Axis Bank etc. collaborate with us and our Card Search tool is equipped to find out the most attractive low-rate cards from them that suit your eligibility. 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.
    • Taking your pick at Vadodara Credit Card from the Bankbazaar portal can also help you to get:
      • The most excellent credit card offers
      • Cards @ low finance/interest charges
      • Instant e-approval
      • Exciting Rewards Programs that collaborate with major airline/hotel/shopping centers for redemption
    How to get Vadodara 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 products

    Vadodara Credit Cards Reviews

    • HDFC Bank Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      I am using HDFC service for last 2 years on my credit card. The credit limit was satisfactory. They have given me reward points but I have not en cashed it. The charges are normal compared to other bankers. I use a domestic credit card and payment option is convenient.
      Was this review helpful? 0
      , vadodara
      Reviewed on Oct 15, 2017
    • HDFC Bank Credit Card
      "Very good benefits"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has also offered me a credit card and the limit on the card is more than sufficient for me. The bank has always been very clear in the statements and I have never been charged extra. I get the jumbo loan facility and the cash back offers.
      Was this review helpful? 0
      , vadodara
      Reviewed on Oct 12, 2017
    • SBI Cards Credit Card
      "average service"
      0.5 2.0/5 "Expected more"
      Service is very good with SBI ,but I feel their customer service is not much helpful also the rate of interest and the fees and charges, they offer is little high,overall service is average from SBI. They need to improve more in their service .
      Was this review helpful? 0
      , vadodara
      Reviewed on Oct 07, 2017
    • HDFC Bank Credit Card
      "average service"
      0.5 3.0/5 "Satisfactory"
      I had best experience with HDFC for my credit card,customer service is very good and responsible in answering ,I use to get good regular offers ,I can say the overall service is average from HDFC for my credit service. No issue till now from HDFC service.
      Was this review helpful? 0
      , vadodara
      Reviewed on Oct 07, 2017
    • Kotak Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have a platinum visa credit card with Kotak Mahindra. They are pretty good in their services.I like the visibility of my card the credit limit they have offered is 15000 rupees and its been more than a year and its a life time free card and I often use this card for online shopping purposes
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 30, 2017
    • Citibank Credit Card
      "Excellent Card to use"
      0.5 5.0/5 "Blown Away!"
      The Citibank credit card gives a very good service. The customer service is very good with Citibank. I use the Citibank Indian oil credit card for past 10years. I use this card for purchasing and for bill payments. I am happy with the credit limit. I pay the annual fee of Rs.500.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 29, 2017
    • Axis Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I use Axis bank my zone credit card for more than 2years. I use this card for shopping, for bill payments, and for other usages. I am satisfied with the credit limit. I need to pay the annual fee of Rs.250 towards the Axis bank my zone credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 29, 2017
    • ICICI Bank Credit Card
      "Very Good card to use"
      0.5 3.0/5 "Satisfactory"
      For past 1 year I use the ICIC platinum chip credit card. I use this card fort utility bill payments, fuel purchase and for air tickers. I get the reward point cash back offers are good with this card. The customer service is good with ICIC bank credit card department. I am happy and satisfied with the credit limit.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 28, 2017
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I get discounts using the Simply click credit card and I get reward points, cash back offers with this card. I use this card for more than a year . I am happy with the credit limit. The customer service is good with SBI credit card department. I would say it is a good card to use.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 28, 2017
    • SBI Cards Credit Card
      "its fine"
      0.5 2.0/5 "Expected more"
      Before 2 years, I have stopped using SBI credit card because of the charges , because as soon as we spend they charge really high charges. The line of credit which was offered on my SBI credit card is 90k . Nevertheless, I stopped using that card of SBI.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 23, 2017
    • Standard Chartered Bank Credit Card
      "Good credit card"
      0.5 4.5/5 "Excellent!"
      My feedback for SCB is same as KOTAK they are having tie up with e-commerce not like HDFC and SBI. Currently SCB is having a flight ticket offer where I get 1200 cash back if I book before 30th of October, it is a standard one which directly gives 10 to 15% when i tried to book make my trip, on Make my trip the price is more than the actually one but they give discount. Name of the credit card is Manhattan Credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 23, 2017
    • Kotak Credit Card
      "Good credit card"
      0.5 4.0/5 "Great!"
      KOTAK credit card actually, they have to more aggressive online ,when ever we are using KOTAK credit card is not listed in any of the ecommerce sites. Therefore Kotak is not having any attractive schemes, so cannot use the card. They are not having tie up with any of the e-commerce sites and this KOTAK credit card is valid for a period of 4 to 5 months and name of the credit card is URBAN CREDIT CARD.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 23, 2017
    • HDFC Bank Credit Card
      "Credit card"
      0.5 3.0/5 "Satisfactory"
      My rewards redemption option is very good, it gets diverted every time when I click on that it gets diverted to another page finally it was showing some technical error all these might upset the customer/ HDFC credit scheme is good I hold a Platinum credit card of HDFC
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 23, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      ICICI bank has also offered me credit card and the services are good. They are responsive and the bank has always been good in the customer services. The transactions are smooth and the statements are clear and there are no charges on my card too.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 23, 2017
    • HDFC Bank Credit Card
      "Average card to use"
      0.5 5.0/5 "Blown Away!"
      I got the credit limit of Rs. 75,000 with the HDFC bank money back credit card. I use this card for past 8 months, The rate of interest is nominal with this card. I pay the annual of Rs.500, but for he first it is for free of cost. I am happy and satisfied with the credit limit.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 20, 2017
    • HDFC Bank Credit Card
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      Earlier I had HDFC credit card but I surrender the card because I am not using it much. Mostly I use my debit card, HDFC used to give the reminder call before my credit card due date. It was my salary account hence they didn't take any charges as an annual fee.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 06, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Good service from HDFC for my credit card ,representatives were really excellent in giving informations .Even I use to get regular offers from HDFC ,when ever I get any issue I use to contact customer service who were always helpfull for me .
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 05, 2017
    • SBI Cards Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      State bank of India has been doing great on the credit card. There are a lot of benefits on my card. I got a balance transfer option and there are features of a movie ticket offer. If I use my card to a certain limit the annual charges are waived off.
      Was this review helpful? 0
      , vadodara
      Reviewed on Aug 30, 2017
    • ICICI Bank Credit Card
      "So far so good"
      0.5 3.0/5 "Satisfactory"
      I have applied for a credit card and I am glad the process is moving forward at a fast pace. The customer service executive is helpful and the documents were taken on time. I should be getting my card pretty soon. ICICI Bank has been beneficial.
      Was this review helpful? 0
      , vadodara
      Reviewed on Aug 30, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Having the HDFC bank Regalia credit card for more than 10 years. This card has the benefit of reward points cash back offers and free airport lounges . The reward points can be redeemed as air tickets and for hotel bookings. The rate of interest is nominal with HDFC Regalia card. I am satisfied with the credit limit.
      Was this review helpful? 0
      , vadodara
      Reviewed on Aug 29, 2017
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