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  • 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

    • IndusInd Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      Indusind bank offer is good and there is no service charges so that i have chosen the credit card from Indusind bank. They have done a proper follow up and the documentation process was smooth. My card got approved and will be receiving the same in 1 week. They have given me a intimation on a time to time basis.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2019
    • IndusInd Bank
      IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for Indusind Bank credit card through Online.I have not availed this credit card since salary was less at that time.The agent clearly shared all the details about the credit card and there was no difficulties faced when applied for this credit card .
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 10, 2019
    • SBI Cards Credit Card
      "Great"
      0.5 4.0/5 "Great!"
      I'm getting rewards points from SBI card and the variant is FBB style up. Still I'm not interested in trying the balance transfer facility. I hold this card for last 2 years and they have given me a limit of Rs. 90,000. There is no issue i have faced on this card.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 10, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Indusind Bank credit card which was taken through Online. I am using this credit card for the past 2months. Everything is smooth and good to use ,The credit limit was satisfied and this was a chargeable card and not yet checked cash back offers as well as reward points .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 10, 2019
    • IndusInd Bank Credit Card
      "Good bank"
      0.5 3.0/5 "Satisfactory"
      I have taken a Indusind bank credit card application got rejected because they request for documentation. Already last time i submitted the documents again they are asking which i have not given, may be this was the reason for cancellation. Customer service was great in this bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 10, 2019
    • IndusInd Bank Credit Card
      "Good Card"
      0.5 3.0/5 "Satisfactory"
      Its very best option so that i have chosen the credit card from Indusind bank. I'm not sure about the offers provided by them. They are asking me to provide the existing credit card statement which i do not have other than that all the documents are available for this reason they have cancelled my credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 10, 2019
    • YES Bank Credit Card
      "Need to provide response"
      0.5 1.0/5 "Really Bad"
      I applied for Yes bank credit card through online. There is no proper response. I have not submitted any documents. I am working in defence, so they are not providing the credit card. I suggest bank to provide the clear information while applying the card to customer.
      Was this review helpful? 1
      , kolkata
      Reviewed on Dec 10, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for Indusind Bank credit card through Online .I have got the update earlier this card will be processed on a paperless approval .Later I have been told that need to submit documents due to this reason not availed the credit card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 10, 2019
    • IndusInd Bank Credit Card
      "Not Satisfied"
      0.5 1.0/5 "Really Bad"
      I have applied for Indusind Bank credit card through Online .I have got the update from bank end that will receive callback but not yet got any callback hence not availed this credit card. I have submitted less documents only and the agent didn't gave that much details about the credit card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Kotak Mahindra Bank credit card which was availed through Bank direclty.I am using this credit card for the past 5 years only .The credit limit was satisfied it was 54,000 and satisfied as well.This was a life time free card and there are good cash back offers as well as reward points .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 10, 2019
    • YES Bank Credit Card
      "Need to provide response "
      0.5 1.0/5 "Really Bad"
      I applied for yes bank credit card through online and submitted the documents through online. I have submitted the company address proof, it might be the reason for not processing my application. I have not received any confirmation from bank regarding the status of application.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 10, 2019
    • RBL Bank Credit Card
      "Average Service"
      0.5 4.0/5 "Great!"
      I have Ratnakar credit card which was taken through Bank directly.I am having credit limit of 85,000.This was a free card and once pay the credit card bill it is not at all reflecting that is the only issue .The card details was clearly explained by the agent .According to me the service was very average.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 10, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have SBI credit card which was taken through Bank directly.I am having credit limit of 50,000.This was a chargeable card and need to pay Rs.499 per annum.The card details was clearly explained by the agent .This card is good to use and without any hassle got this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 10, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was availed through Bank directly.I am using this credit card for the past 5 years only .The credit limit was extra ordinary, it was 1,50,000 really sufficient and satisfied as well.This was a life time free card and there are good cash back offers as well as reward points .
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 10, 2019
    • YES Bank Credit Card
      "Service is Good "
      0.5 5.0/5 "Blown Away!"
      I have applied for Yes Bank credit card through Online .I have not availed this credit card since out of station and not yet submitted any of my documents .The agent shared all the required details about the card process .I have not undergone any difficulties so far .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 10, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have SBI Bank credit card which was taken through Online .I am using this credit card for the past 5years only.This was a life time free card and got this credit card on time .I am comfortable with this credit card limit and this credit card is very useful and easy to use .I am totally happy with the service so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Indusind Bank credit card which was taken through Online .I am using this credit card for the past 5years only.This was a life time free card and got this credit card on exact time frame .I am satisfied with this credit card limit and this credit card is very easy to access.I am satisfied with the service so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2019
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Citi Bank credit card which was taken through Online .I am using this credit card for the past 4 years only.There are good cash back offers as well as reward points and without any hassle got this credit card .I have a reward cards, each and every details about this credit card was clearly shared by the agent .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2019
    • YES Bank Credit Card
      "Average Service"
      0.5 4.0/5 "Great!"
      I have applied for Yes Bank credit card through Online .I have got the information since no account with yes bank credit card was not approved.The credit card process was clearly explained by the agent.There was good response and acknowledgement from bank end .The service was very average according to me .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Kotak Mahindra Bank credit card which was taken through Bank.I am using this credit card for the past 4 to 5 years .This was a life time free card and this was a platinum card and submitted documents through the agent.This credit card is very useful on all situations .There was no drawbacks faced so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2019
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