CREDIT CARDS

CITIBANK CC

CITIBANK CC

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Overall Rating

Specifications

1st Year Fee

Rs. 1,000

Prime Rewards

10X Reward

Payback Period

Every month

Shop in Easy EMIs.

Save 20% on Dining Bills.

Earn Rewards
Rs 80
after Availing

Standard Chartered B...

Standard Chartered B...

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Overall Rating

Specifications

1st Year Fee

Rs 750

Prime Rewards

1 reward point for every Rs. 150 spent

Payback Period

Every month

Get double benefits

Credit Card Offers

Earn Rewards
Rs 230
after Availing

HDFC Credit card

HDFC Credit card

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Overall Rating

Specifications

1st Year Fee

Rs 500

Prime Rewards

2 Reward Points on Rs 150 spent

Payback Period

Every month

Lifestyle Benefits.

Limited Period Offer.


Avail with No Rewards


YES bank credit card

YES bank credit card

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Overall Rating

Specifications

1st Year Fee

INR 500

Prime Rewards

Upto 8 Reward Points per INR 100 of retail spends

Payback Period

Every month

Card eligibility

Get instant approval


Avail with No Rewards


SBI Credit card

SBI Credit card

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Overall Rating

Specifications

1st Year Fee

Rs.499

Prime Rewards

Earn upto 50,000 Bonus Reward Points

Payback Period

Every month

Annual Fee Reversal

10x Reward Points


Avail with No Rewards


 ICICI CC  Platinum

ICICI CC Platinum

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Overall Rating

Specifications

1st Year Fee

199

Prime Rewards

Shopping

Payback Period

Normal

Security of Chip and Pin Card.

99 Annual Fee Savings.

Earn Rewards
Rs 50
after Availing

Axis  credit card

Axis credit card

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Overall Rating

Specifications

1st Year Fee

Rs. 500

Prime Rewards

Upto 6 points with every Rs 200 spent

Payback Period

Every month

Benefits on Lifestyle.

Discounts on Shopping.


Avail with No Rewards


Amex Platinum travel CC

Amex Platinum travel...

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Overall Rating

Specifications

1st Year Fee

Rs. 3,500 plus applicable taxes

Prime Rewards

5000 Membership Rewards Points

Payback Period

Depends on PAYBACK Program

Membership Rewards Loyality Program

Offers on the Card

Earn Rewards
Rs 5
after Availing

Credit Cards - Apply Online, Compare and Choose the Best

It is safe to say that you are confounded about the entire thought of credit cards? It is safe to say that you are thinking about how your companions are overseeing in excess of one when you are attempting to benefit one? Is it accurate to say that you are against obligation yet at the same time need to have a credit card to construct your credit history? Try not to stress, you're in the opportune place. Here we will examine all that you have to think about a credit card. From the specific essentials of a credit card, how to utilize it, basic highlights and advantages, the credit card rewards, how to analyze different cards, the qualification criteria, reports required till the procedure to apply for a credit card on the web, you will discover everything here.

What is a credit card?

A credit card is a plastic card issued by a bank or a budgetary establishment to acquire assets at the cardholder's comfort. The greatest credit restrain is normally pre-set by the bank at the season of card issuance. The cardholders are allowed to utilize the accessible assets as and when required. The greatest measure of assets can be utilized just for card buys, for example, online exchanges and disconnected exchanges at vendor terminals. A little part, in any case, is held for credit card money withdrawal. The cardholder has the choice to reimburse the obtained sum inside the beauty time frame, amid which no intrigue will be charged, or he/she can choose rotating credit which permits conveying forward unpaid add up to consequent months and furthermore charges enthusiasm on the equivalent until the point when the due is settled in full.

Apply for Credit Cards Online

The dispatch of credit cards has upset the whole money related world. Because of the accommodation offered by this money related item alongside a plenty of different preferences, an ever increasing number of people are applying for and securing credit cards. Not at all like platinum cards, credit cards chip away at the standard of credit. For example, people acquire reserves when they swipe their credit card and reimburse the equivalent through their month to month bills. In any case whenever abused, credit cards can result in a genuine mark in the person's funds as loan cost will be relevant on late installments.

A huge number of banks and money related foundations today give credit cards to their clients. The quantity of credit cards that are given additionally differ and every one of them accompany particular advantages and highlights to suit the necessities and prerequisites of heap clients. Clients can apply for credit cards through various routes as long as they meet the qualification necessity set by the credit card supplier. Nowadays, clients can without much of a stretch get a credit card online and additionally disconnected.

Credit Card-Apply Online

With the presentation of the web, nearly everything today has gone computerized thus have banks and money related establishments. On the off chance that clients wish to apply for a credit card, they can do as such on the web. They can fill in an application shape and submit it on the web.

Step by step instructions to Use a Credit Card

It is anything but difficult to utilize a credit card. At the point when banks issue a credit card, they make a spinning represent that card. When the clients get their credit cards, they can utilize it to make buys on credit. This credit is really the sum that cardholders have acquired from the card backer. They need to reimburse the exceptional sum toward the finish of each charging cycle. There is a breaking point on the measure of credit that one can utilize and cardholders should ensure they don't surpass this utmost.

To make installments utilizing their credit cards, cardholders need to just get their cards swiped at vendor stores and validate the exchange by entering their PIN number. Some credit cards don't expect you to enter a PIN number. On the off chance that you are utilizing your card to make online installment, ensure the site is a safe one. Enter your credit card subtle elements on the checkout segment and verify the installment by entering the PIN or OTP (One Time Password).

Highlights of a Credit Card

Banks offer astonishing highlights on their credit cards. These highlights differ contingent upon the card supplier and the kind of credit card that individuals buy. Some of them are as per the following:
Acknowledged Globally: Today, most credit cards that are issued in India are worldwide cards and are acknowledged by different traders everywhere throughout the world.
Equalization Transfer: Credit cardholders can exchange the remarkable parity of their current cards issued by one bank to the credit card record of another bank. Doing as such causes them in setting aside extra cash and reimbursing the sum at a low rate of premium. Banks offer different equalization exchange alternatives to their cardholders, which enables them to reimburse the sum on a month to month premise inside a residency of their decision.
Portion Payment Plan: Many banks offer the portion installment alternative to their cardholders. This component enables cardholders to change over their exchanges into regularly scheduled payments. Cardholders can pick the residency for their EMI plan. By and large, these plans have extremely appealing loan fees. There are a few banks that offer 0% portion installment intends to their clients.
Advances on Credit Cards: Some credit cards offer pre-endorsed advances to their holders at low loan fees.
Service Bill Payment: Credit Cards have made it simple and speedy for individuals to pay their service bills. Utilizing their cards, cardholders can pay all their service bills online at one go.
Cautions: Credit cardholders get charge installment updates by means of SMS and email from their banks each month, which causes them in not passing up their regularly scheduled installments.
E-articulation: Most banks today give e-explanations to their credit cardholders toward the finish of each charging cycle. Cardholders can get to this announcement whenever on the web.
Joining Fees: When clients apply for a credit card, they need to pay a specific sum for enrolment, known as the joining expense. There are sure cards that don't have any joining expense also.
Yearly Fees: Every credit cardholder need to pay a settled add up to recharge their card each year. This sum is known as the yearly expense or restoration charge. This sum differs relying upon the card that a man settles on. A few banks forgo this charge for their clients for a time of least 1 year as advantage for accomplishing certain burns through point of reference.
Lifetime Free Card: There are a few banks that offer lifetime charge credit cards, which implies cardholders don't need to pay any yearly expense for these cards.
Lost Card Liability: Many banks offer lost card obligation inclusion to their credit cardholders. This component shields the cardholders from deceitful exchanges that influenced utilizing their cards after they to have detailed its misfortune to their card supplier.
Protection Coverage: Some banks offer protection insurance on certain credit cards they offer. For instance: travel protection, extra security, and so forth.
Money withdrawal office: Credit cardholders can utilize their cards to pull back cash from ATMs. Banks charge a little expense for the administration and cardholders can in a split second profit cash in any piece of the world.
24x7 telephone saving money Service: Banks offer 24x7 telephone saving money administration to all their credit card holders. A few banks have a different helpline number for their cardholders. Cardholders can contact on this number to get any help identified with their card. For instance: They can contact the office to profit attendant services, make card substitution demands, report loss of cards, and so on.
Credit Card Bill Payment: Banks enable their credit cardholders to pay their credit card bills on the web and disconnected. Cardholders can utilize NEFT, Internet Banking, Cash, Checks, and so on offices to pay their bills.

Advantages of a Credit Card

Welcome Gift: Many banks offer an appreciated blessing to new credit card candidates once the card is issued to them. This blessing can be as extra focuses, blessing vouchers, rebates, and so on. The appreciated blessing varies relying upon the card and the bank.
Prizes Program: All credit cards by and large have a reward program, which enables cardholders to gain remunerate focuses on each exchange they make utilizing their cards. The measure of focuses that cardholders can gain per exchange is settled and varies from card to card. The focuses that card individuals gather can be reclaimed for different endowments that are recorded in the prizes inventory of the cards. These blessings can be rebates, item, administrations, cashback offers, and so on. Some credit cards permit card individuals to reclaim their focuses against air miles and money too.
Fuel Surcharge Waiver: Many banks offer fuel additional charge waiver to credit cardholders when they spend particular measure of cash on fuel each month. This offer is accessible on fuel exchanges made at all Indian petroleum bunks.
Cashback Benefits: There are sure credit cards that offer cashback advantages to the clients. The measure of cashback that will be offered relies upon the supplier.
Way of life Benefits: Cardholders can appreciate different way of life benefits on their credit cards. Way of life benefits incorporate feasting, shopping, golf, well being, diversion, and so on benefits.
Travel Benefits: This is one of the significant purposes behind credit cards being so prevalent among individuals. There are some credit cards that offer astounding travel advantages to the clients. Travel benefits incorporate air miles, airplane terminal parlor get to, travel protection, carrier offers, inn offers, and so on.
Air terminal Lounge Access: Some credit cards offer complimentary airplane terminal parlor access to the cardholders. The offer fluctuates starting with one bank then onto the next. A few banks put a point of confinement on the quantity of visits, while some others permit get to just to Indian air terminal parlors.
Select Privileges from Visa/American Express/MasterCard: Visa, MasterCard and American Express are three well known and perceived credit card variations. Contingent upon the variation of your card, you can appreciate selective way of life, travel, and so on offers from MasterCard/Visa/American Express.
Extra Cards: Many banks permit their credit cardholder