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 cards of 2019

    Card Name Suitable For

    Jet Airways Bon Voyage IndusInd VISA Card

    Travel

    IRCTC SBI Platinum Card

    Travel

    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 Platinum 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 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.

    MasterCard

    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 Card is a credit card 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

    • SBI Simply Save Card
    • SBI Simply Click Card
    • IRCTC SBI Platinum Card
    • SBI Platinum Card
    • SBI Card ELITE
    • Air India SBI Signature Card
    • FBB SBI STYLEUP Card
    • Air India SBI Platinum Card

    Standard Chartered Visa Credit Card

    • Standard Chartered Manhattan Platinum Credit Card

    IndusInd Bank Visa Credit Card

    • Jet Airways IndusInd Bank Voyage Visa Credit Card
    • IndusInd bank Platinum Edge Aura Credit Card
    • IndusInd Bank Visa Signature Card

    Axis Bank Visa Credit Card

    • Axis Bank Vistara Credit Card
    • Axis Bank Vistara Signature Credit Card
    • Axis bank My Zone Credit Card
    • Axis Bank Neo Credit Card

    HSBC Bank Visa Credit Card

    • HSBC Visa Platinum Card

    Kotak Mahindra Bank Visa Credit Card

    • Kotak Bank Chip Card Royale Visa Credit Card
    • Kotak PVR Gold Credit Card
    • Kotak PVR Platinum Credit Card
    • Kotak Delight Credit card

    Citibank Visa Credit Card

    • Citibank Cashback Card
    • Citibank Premier Miles card
    • Citibank Rewards Card
    • Indian Oil Citi Platinum Card

    HDFC Visa Credit Card

    • HDFC Bank Regalia First Card
    • Snapdeal HDFC Bank 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:

    • Standard Chartered Platinum Rewards Card
    • HSBC Visa Platinum Card
    • ICICI Instant Platinum Card
    • HDFC MoneyBack Card
    • RBL Bank IGU NHS Golf World Card
      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Visa Credit Card Reviews

    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      The services were too good wit this card,this is complimentary card . I am using HDFC bank credit card . I use this card for multipurpose . The card and their services are very good. There is no hidden charges with this card . They need to increase the limit on the basis of usage and transactions.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The experience i had with Bank Bazaar has been pretty good and i am using the services of them for the last few months. I came to know about the services of them through a mail which i had got and i had used their website which has been quite convenient in using. Their customer support has also been responsive and has been helpful as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA BNAK card for the past one years and the services which they had provided so far was quite good. There was a good credit limit of 40000 with this card and there has been many benefits which came with this card like reward points and EMI convertion facilities and it has been an annual chargable card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been previously using ICICI bank for savings and salary account , i am not happy with their service they have not give me good service , like all time they use to charged me hidden charges without my knowledge, their mobile application is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I came to know about Bank bazaar service through on line, this is my first time i have been using their service, their customer care service is good, they use to follow up with me time to time, their response was good, their website is good, i can get all financial products information over there.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have taken KOTAK MAHINDRA bank credit card for more than a month through an online. On time I received a card there was no issue at a verification process. The credit limit is low which was offered in this bank. They give an offer for one free ticket in book my show.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • ICICI Bank Credit Card
      "Good for regular usage"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI credit card around three years, I started using it for some transactions. The credit limit is good around Rs. 60,000 and they are sending the statement on time. I am okay with the billing cycle and due date, I get payment update on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Its supportive"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar is informative and I get good support from their end for any banking queries. When I interacted for the credit card purpose, I got a proper response. Its my first experience I am happy about it, the site is user friendly to browse the options.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      I would say Kotak Mahindra card is good to use and comparatively its better than others. I got lower limit it can be improved but the credit card processing time was lesser to avail the card. They are providing reward points as well on my spend.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using this ICICI Bank credit card for the past 6 months.Customer service is not satisfied according to me .Other than this everything is good .The credit limit was good ,have good cash back offers and reward points .There was no difficulties faced so far on submitting the documents .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Medium"
      0.5 4.0/5 "Great!"
      I am using KOTAK MAHINDRA bank credit card for more than a month which was applied through an online. The verification process was smooth and good. I received a card at earlier. They have offered for a life time free credit card. The credit limit is sufficient to use.
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am having Kotak Mahindra Bank credit card which i have got through Bank directly .This credit card is very useful to me so far .The limit of this card was good to me i am using this card for the past 1 year .I am comfortable on using this card so far.The service is good to me so far.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was directly applied through Bank.This card i amusing for the past 2.5 years .The credit limit was good and sufficient to me .There are good cash back offers and reward points as well.I have not faced any difficulties so far on using this card .This card is good to use .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      This Bank bazaar website was know to me while checking credit score through online .This portal is really doing a vital role in all financial products so far.This is a user friendly one and easy to handle .This portal will give us the details regarding the financial product what we search .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have selected this Indusind Bank credit card since dont have annual fee so choosed and also free card ,The agent gave al information about the credit card process ,I have received the credit card on time and also submitted documents through the agent ,There are cashback offers and reward points but not chekced so far .The credit limt was sufficient .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • RBL Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using RBL credit card for long time, they have given me good credit limit they have given me was good and i have been apply for this card through on line and they have not been charging annual fee in this card, as it is life time free credit card like they have given me rewards points up to 2000 points they said if i spent up to that then my rewards points will get waived off.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding my SBI credit card for long time, they have charged me annual fee in this card , but waived off option is available in this card and i am happy with my credit limit they have given me sufficient limit and the best part in this card is that they provide good offers .
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • Axis Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Axis bank credit card, they have not charged any annual fee in this card, and the best part in this card was they provide good offers and discount in fuel and i am happy with my credit limit they have provided me and overall service is good.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • IndusInd Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I took Indusind bank credit card, their credit limit which they have given to me was good, they use to give good offers in shoppings , on e-portal business they use to give good offers, their mobile application is user friendly, it is life time free credit card.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • American Express Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Amex credit card from long time, they have not charged me annual fee as it is life time free credit card, i am very much happy with their service which they have given to me, their mobile application is user friendly so far i did not face any issue, even they use to give good offers.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
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