Get ready to rule the world with a Visa credit card. Visa offers customers unbeatable privileges and also facilitates electronic payments from anywhere in the world. Visa cards cater to any sort of lifestyle and are accepted at over 1.9 million ATMs and at various merchant outlets. Visa credit cards come with an embedded microchip technology, where users have to just swipe at PoS terminals and complete a transaction on a completely secure platform. Visa cards can be used for online purchases, bill payments, etc. Customers can choose from an array of traditional Visa cards or Visa pay Wave-enabled cards.
Credit cards have been instrumental in changing the way our economy functions. Decades ago when it was introduced, it emerged as one of the most sought-after financial product across the world. With its ability to provide financial security in times of crisis, credit cards has witnessed millions of takers. With time, Visa has become one of the most significant credit card companies in the world. Be it a traditional credit card with basic benefits or the premium ones with attractive rewards, everyone can find a Visa credit card of their choice easily. There’s a wide range of credit cards offered by Visa that have been designed to take care of the various kinds of financial needs of the cardholders. While some are equipped with amazingly useful features, there are others that come loaded with benefits like AirMiles and reward points. Visa credit card offer the cardholders a sense of convenience and security to make transactions like paying bills, or withdrawing cash from more than 2 million ATMs across the globe. The cardholders can also avail flexible payment options, credit cards that offer exciting travel benefits, cashback, fuel surcharge, and other attractive benefits. There are mainly five types of Visa credit card available for individuals.
Visa cards come loaded with multiple features and benefits for customers. Some of the key benefits have been explained below -
Using the Visa Personal Payments service, customers can pay Visa credit card bills, share funds with friends or transfer money to family members. Payments can be done through over 70 financial institutions to Visa Card holders across 17 countries. In order to make a payment, customers have to access the Visa Personal Payments service through NetBanking, ATM or the mobile application. The 16 digit Visa card number of the recipient and the amount have to be entered. The funds can be received by the recipient through an ATM or a Visa merchant.
Customers holding Visa payWave cards can make secure transactions using contactless technology at PoS terminals. The Visa payWave card has to be just waved before the contactless reader for transaction amounts below Rs.2000. This Visa card can be used at leading brands like Starbucks, Spencer’s, FabIndia, PVR, Khadim’s Big Bazaar, etc.
Visa customers can contact the 24/7 Visa Global Customer Assistance Services to report loss of card and to block their credit cards, thereby preventing fraudulent transactions. A request for card replacement can be made and the customer can receive the card in just three working days. Cash can be availed by customers in case of emergencies by placing a request with the customer service desk from across 2,70,000 locations across the globe.
Visa also offers Concierge services to customers helping them make restaurant reservations, travel bookings, event bookings, etc. This service is exclusively offered on Visa Infinite Cards, Visa Signature Cards and Visa Platinum Cards.
Online shopping can be done conveniently by Visa credit card users without any hassles through the Verified by Visa (VbV) network. Visa’s secure network ensures that transactions are verified within 1.5 seconds. The Verified by Visa (VbV) network enhances security against fraudulent transaction for online purchases and the 3 digit security code at the back of the Visa credit card verifies the e-commerce transaction. Verified by Visa uses a two-tier authentication process to ensure that online transactions are well protected. Visa also uses PCI DSS (Payment Card Industry Data Security Standard) for providing security measures between Visa’s network and financial institutions.
In India, Visa offers five types of credit cards namely -
Visa Classic credit card customers can use their cards at any merchant outlet and at over 1.9 million ATMs in 200 countries across the world without any hassles. The features available with a Visa Classic Card are emergency card replacement services, emergency cash advance and 24/7 Visa Global Customer Assistance Services.
The Visa Gold Card offers exclusive privileges to customers with a higher credit limit, emergency card replacement services and additional cash disbursement services when the user is travelling abroad. Gold customers can also get travel assistance, legal and medical assistance and 24/7 access to Visa Global Customer Assistance Services. Visa Gold cards are accepted at over 1.9 million ATMs across the world. Card holders can also get preferential rates and offers at restaurants, retail stores, entertainment and travel agencies across the globe.
Visa Platinum Card holders can get access to exceptional privileges and rewards catering to a superior lifestyle. Platinum Cards are accepted globally and customers can contact the 24/7 Global Customer Assistance Service from any corner of the globe to get a card replaced and for availing cash during emergencies. The Visa Platinum Concierge offers a bouquet of services ranging from restaurant reservations to ticket bookings and more. Additionally, Platinum members can enjoy an array of offers, deals and discounts on dining, shopping, travel, entertainment, golf and lifestyle from Visa when they transact using their cards.
Visa Signature Cards open up a whole new world of exclusive privileges, special access and unbeatable rewards for customers in India. Signature members can enjoy an array of offers, deals and discounts on dining, shopping, travel, entertainment, golf and lifestyle from Visa when they transact using their cards. Visa Signature Cards are accepted globally and travellers can contact the 24/7 Global Customer Assistance Service from any corner of the globe to get a card replaced and for availing cash during emergencies. The 24/7 Concierge offers assistance on flight bookings, hotel reservations, etc. Accepted around the globe, the Visa Signature Card can be used at over 1.9 million ATMs across the world. Customers can also get complimentary Visa lounge access across various airports in India.
Visa Infinite Cards are customised according to the user’s requirements and offer an exclusive lifestyle to users. Visa Infinite Cards are accepted globally and travellers can contact the 24/7 Global Customer Assistance Service from any corner of the globe to get a card replaced and for availing cash during emergencies. The 24/7 Concierge offers assistance on flight bookings, hotel reservations, etc. Infinite members can enjoy an array of offers, deals and discounts on dining, shopping, travel, entertainment, golf and lifestyle from Visa when they transact using their cards. Accepted around the globe, the Visa Infinite Card can be used at over 1.9 million ATMs across the world. Customers can also get complimentary Visa lounge access across various airports in India.
List of top banks and their credit cards that are available in India:
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: