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

    Visa Inc. is a multinational corporation based in the United States of America who offers financial services to people worldwide. The company enables the transfer of funds for people all over the world mainly through the credit cards, debit cards and gift cards branded by VISA.

    Best VISA Credit Cards in 2022

    Card Name Suitable For
    Jet Airways Bon Voyage IndusInd VISA Card Travel
    IRCTC SBI Platinum Card Travel
    FinBooster: YES Bank - BankBazaar Co-branded Credit Card Shopping and Dining
    SBI Card ELITE Lifestyle and Shopping
    SBI Card PRIME Lifestyle, Travel, and Dining
    Axis Bank NEO Credit Card Lifestyle
    Air India SBI Platinum Card Travel
    Air India SBI Signature Card Travel
    Citi Rewards Card Shopping
    IndianOil Citi Credit Card Fuel
    HSBC Smart Value Card Shopping

    Types of VISA Cards

    • Visa Classic Credit Card: This card is among the most widely used credit cards in the world which offers 24/7 assistance in case of an emergency. This Visa card is accepted for any kind of shopping, travelling or dining transaction.
    • Visa Gold Credit Card: This card gives access to a higher credit line along with emergency card replacement as well as access to cash disbursal while travelling. With the Gold credit card, you will also have access to travel, legal and medical assistance all throughout the year. You will also be entitled to special offers on travel, dining and retail purchases all over the world.
    • Visa Platinum Credit Card: This is a premium credit card offered by VISA. You as a Platinum credit cardholder will receive a wide range of benefits and rewards. This credit card is accepted widely by merchants all over the world. You can avail offers from various leading hotels, electronic retail stores, medical stores, etc.
    • Visa Signature Credit Card: By holding a Visa Signature credit card, you will be entitled to a number of benefits and services from the bank. The Signature credit card is accepted all over the world and provides you with 24/7 concierge services. A wide range of offers is given to the cardholder such as hotel benefits, travel benefits as well as shopping benefits.
    • Visa Infinite Credit Card: This is an elite credit card offered by Visa. This card offers a wide range of benefits and offers such as shopping benefits, dining benefits as well as hotel and travel benefits. The Infinite card is a globally accepted credit card with constant concierge service available in case of emergency.

    What is the VISA network?

    Visa Inc is an organization that enables the payments which are paid with debit and credit cards issued by the company, between merchant banks and the customer bank.

    Visa also works as a settlement network for the banks who issue the cards and charges a small portion of the money as the payment processing fee. Along with this, the payments carried out through the Visa network are secured with an additional level of online security.

    Where is Visa Accepted?

    Visa credit and debit cards are accepted in more than 200 countries all over the world by merchants as a method of payment. It is accepted amongst a number of options of payment categories. The visa credit card serves as a payment connection between financial institutions, businesses, merchants and the government.

    How to get a VISA Credit Card?

    To apply for a Visa credit card, visit the website of visa and click on the card you wish to apply for. Select the option called 'apply now'. The application form needs to be filled with the details and submit it.

    However, if you wish to apply for a visa credit card through BankBazaar, here are the steps which need to be followed:

    • Visit the Bankbazaar Credit Card Section.
    • Click on the credit card you want to apply for.
    • Click on the "Check Eligibility" option.
    • Select the option of 'instant apply'.
    • Select 'Credit Card Online Application Form' and fill the form with the required details.
    • Upload the documents which are required in the form and then click on 'Submit'.

    How many VISA Cards are there?

    The number of Visa cards, whether debit or credit depends on the bank. Each bank offers a different number of Visa credit or debit cards. The number of Visa cards depends on the type of card as well. The number of cards under the category of shopping will vary from the cards issued under the lifestyle category or the travel category.

    Visa Credit Card Bill Payment

    To pay your Visa credit card bill,

    • Visit the official website of Visa and choose the option of bill payment.
    • Choose your country and then click on the type of credit card you have.
    • Enter your credit card number and then click on 'pay'.

    Apart from the official website of Visa, the credit card bill payment can also be done through a number of third-party websites such as Paytm and Billdesk.

    VISA Credit Card Offers

    Visa credit cards have a wide range of credit card offers and benefits which is given depending on the type of credit card you hold. With a Visa Classic credit card, the benefits you get are considerably less compared to the other cards.

    Visa Gold credit cards offer a wide range of benefits such as hotel discount privileges, dining benefits as well as shopping offers. Platinum credit cards, Signature and, Infinite credit cards offer an increased number of benefits and offer on hotel bookings and stay, dining, shopping as well as medical discounts.

    VISA Debit Card vs VISA Credit Card

    A Visa debit card utilizes the funds which are available in your savings account. The debit card is linked to the savings account of the bank and the card is to access the funds through withdrawal whenever necessary.

    The primary difference between a credit card and a debit card is a Visa credit card is a form of plastic money which is the form of credit from the bank. With every transaction made through a credit card, the bank will keep a record of it. At the end of every month, you will have to pay the amount back along with a certain rate of interest decided by the bank.

    VISA vs Mastercard

    Visa offers three primary levels of membership which are:

    • Base
    • Signature
    • Infinite

    Visa offers a better coverage on car rental insurance when compared to MasterCard however this benefit is not available for Visa credit cardholders in a few countries. To know more, you can visit the website of Visa.

    For the gold and other elite cardholders, the Visa credit card companies often offer 24/7 concierge services to handle tasks for the consumer. These services provide access to airline tickets, restaurant bookings, hotel reservations, and often suggestions of gift purchases depending on various factors.


    Master Card as well offers three levels of membership:

    • Base
    • World
    • World elite

    MasterCard offers the facility of 'Return Protection' with very few cards, whereas Visa's signature cards widely carry that service. This facility states that you can return product purchases within 90 days from its date of purchase. MasterCard has a comparatively better cost protection service, which means if you buy something with your MasterCard and then eventually the retailer reduces the price of that product within 2 months, MasterCard will refund you with the difference amount.

    VISA vs Rupay

    One of the major differences between Visa and Rupay Card is that Rupay is an Indian domestic card and Visa is an international financial corporation. Rupay card was introduced in the payment system of India in order to reduce the use of foreign payment gateways such as Visa and MasterCard. Firstly, as they are foreign companies and secondly because the commission, they charge is high. This also results in the increase in the cost of transaction.

    Hence, RuPay credit card is curated specifically for the Indian population along with its own payment gateway. This credit card works like the Visa or Master Card but with a low commission. RuPay facilitates electronic payment at all Indian banks and financial institutions.

    Bank VISA Credit Cards

    List of top banks and their credit cards that are available in India:

    SBI VISA Credit Card

    YES Bank Credit Card

    Standard Chartered VISA Credit Card

    IndusInd Bank VISA Credit Card

    Axis Bank VISA Credit Card

    HSBC Bank VISA Credit Card

    Kotak Mahindra Bank VISA Credit Card

    Citibank VISA Credit Card

    HDFC VISA Credit Card

    List of VISA Credit Cards with No Annual Fee

    Often individuals look for credit cards that come without the liability of an annual fee. Credit cards with no annual fee are not only more affordable but they are easy to maintain as well. Visa offers a number of credit cards that come without the hassle of paying an annual fee. Listed below are some of the most preferred credit cards that can be owned without having to pay any annual fee:

    FAQs on VISA Credit Cards

    1. What to do if I lose my Visa credit card?

      If you lose your Visa Credit Card, then you must immediately inform the bank about it and get it blocked. You can apply for a duplicate credit card.

    2. How can I apply for a Visa Credit Card?

      You can apply for a Visa Credit Card by either visiting the bank website which offers Visa credit card to its customers. If you meet the eligibility criteria you can surely apply for one.

    3. Can I pay my Mastercard credit card bill using my Visa Credit Card?

      No, you cannot use your Visa credit card to pay your Mastercard credit card bill.

    4. Can I use a credit card to transfer funds through Visa Credit Card Pay?

      You can use only your bank account to transact funds using your Visa Credit Card.

    5. What are the charges I will have to pay in order to use a Visa Credit Card?

      You may have to pay a joining fee and an annual fee. Once you complete a year, you may have to renew it using a renewal fee. However, the fee charged will depend from bank to bank and the type of credit card you have applied for. Certain banks waive off your annual fee if you spend a certain amount. Similarly, certain credit cards do not have any joining or annual fee.

    News About VISA Credit Card

    • Mastercard and Visa planning to launch BNPL platform in India by the end of FY22

      Global card networking companies – Mastercard and Visa are planning to launch their ‘Buy Now Pay Later’ (BNPL) platforms in India by the end of FY22.

      Visa and Mastercard which is two of the biggest global card networking companies in the world are looking to partner with different firms to launch their BNPL platform and allow merchants to tie up with banks to sell their products using secure payment gateway offered by these two companies.

      Both the companies are planning to launch their BNPL platform in the country by the end of FY22.

      22 October 2021

    • India's first 'tokenization' service launched

      Visa, the digital payments firm on Wednesday launched Card-on-File (CoF) tokenization services in India. It is currently available with e-commerce platforms such as Grofers, Bigbasket, and MakeMyTrip. Tokenisation is the process of replacing credit or debit card details with a unique set of characters or a 'token' that enables payments to be processed without exposing any sensitive account details that could potentially breach the security and privacy of the consumers. Card-on-File (CoF) tokenization provides consumer and ecosystem security and an enhanced checkout experience. It needs to be mentioned here that the guidelines issued by Reserve Bank of India (RBI) with regard to CoF tokenization is aimed at making card-based payments secure and frictionless.

      06 October 2021

    • 9 Credit Cards in India to be launched under YES Bank, Visa Partnership

      The YES Bank, Visa Partnership will offer services like improved efficiency of payments, and also new credit cards. Visa will be the payment processor for YES Bank. Rajanish Prabhu, The Head, Credit Cards and Merchant Acquisition, YES Bank, had said that this will help in elevating and transforming end-to-end credit transactions.

      22 September 2021

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