Types of Credit Cards
Content
Types of Credit Cards
Credit cards have come to the rescue of people with hot pockets. They, nowadays, put their trust in the innovation of credit cards where they need not carry large sums of money with them; instead simply carry a credit card which is linked up with their bank account enabling them to make payments without batting an eye. It is a trend, now, to make payments at a hotel, restaurant or a departmental store/ mall using a credit card. Because of the fear of one's bank account details being swiped and stolen, more and more credit cards are made secure so that even if a credit card is stolen, the money in one's bank account stays safe. Credit cards now are of various types with different fees, interest rates and rewarding programs. When applying for a credit card, it is important to learn of their diverse types to know the one best suited to their lifestyle and financial status. Different types of credit cardsavailable by banks and other companies/organizations are briefly described below. Standard Credit Card: This is the most commonly used. One is allowed to use money up to a certain limit. The account holder has to top up the amount once the level of the balance goes down. An outstanding balance gets a penalty charge. Premium Credit Card: This has a much higher bank account and fees. Incentives are offered in this over and above that in a standard card. Credit card holders are offered travel incentives, reward points, cask back and other rewards on the use of this card. This is also called the Reward Credit Card. Some examples are: airlines frequent flier credit card, cash back credit card, automobile manufacturers' rewards credit card. Platinum and Gold, MasterCard and Visa card fall into this category. Secured Credit Card: People without credit history or with tarnished credit can avail this card. A security deposit is required amounting to the same as the credit limit. Revolving balance is required according to the 'buying and selling' done. Limited Purpose Credit Card: There is limitation to its use and is to be used only for particular applications. This is used for establishing small credits such as gas credits and credit at departmental stores. Minimal charges are levied. Charge Credit Card: This requires the card holder to make full payment of the balance every month and therefore there is no limit to credit. Because of the spending flexibility, the card holder is expected to have a higher income level and high credit score. Penalty is incurred if full payment of the balance is not done in time. Specialty Credit Card: is used for business purposes enabling businessmen to keep their businesses transactions separately in a convenient way. Charge cards and standard cards are available for this. Also, students enrolled in an accredited 4-year college/university course can avail this benefit. Prepaid Credit Card: Here, money is loaded by the card holder on to the card. It is like a debit card except that it is not tied up with a bank account. f you are planning to get a credit, the first thing you should know is which are the credit card issuing banks in India. There are several banks which provide credit cards in India. Given below is a list of Credit Card service providing banks along with the various types of Credit Cards they offer. Indian Banks offering Credit Card facility to its customers are:
• Axis Bank • Bank of Baroda
• • • • • • • • • • •
Canara Bank Corporation Bank HDFC ICICI Bank Indian Overseas Bank Kotak Mahindra. Punjab National Bank SBI Syndicate Bank Union Bank of India Vijaya Bank
• • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS
• • • •
CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Overseas Bank Credit Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
ICICI Credit Cards
Introduction: The ICICI credit cards are the most famous and well known in the Indian market.
The credit cards are here present in the market for the customer satisfaction and comfort of the user. The ICICI credit cards launched in India with the same intention, as they want to provide the best facility to their customers or the applicator and without any ado they have succeeded in that with their huge efforts. The credit cards can give any one the freeness of shopping at any time and at any place. These credit cards have created a revolution kind through which the persons are free to earn according to their needs and especially their will. Procedure of getting it:
The applicator or the person who wants the credit cards issued to them should first give or fills the application form which is provided to them by the ICICI bank. The first priority by the bank is that the applicator must have account in their bank and must be having that much amount or can say the amount limit that is required by the bank.
The bank has fixed the different limits for the different types of the amount. The banks provide the limit to the customer that is that the customer will not go beyond that limit in shopping. Types of ICICI Credit Cards:
The ICICI offers various kinds of credit cards in India under the name of the ICICI credit cards India. The different types are as platinum credit card, affinity credit cards, gold credit cards, instant gold credit cards, value for money cards, and many more in the favor of the peoples. These entire credit cards are especially designed for the convenience of the person using the card. All these are having different facilities that are the rate of interest may be different and the limit value may also vary in all cases. Mode of repayment:
The bank has also fixed the specific mode of payment which the customer has to follow. In these policies the ICICI bank has fixed the interest rates which should be followed by the credit card providing bank. The person when used the credit card gets the receipt of payment. Then they are advised to pay the amount to the ICICI bank as quickly it is possible because as much as they will delay the payment to the bank the interest will increase. So the owners of ICICI credit cards India have to pay a lot if they will delay the payment. The payment can be done by cheque or in the form of cash also.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
AXIS Bank Credit Cards
INTRODUCTION:
The axis bank credit cards India are very well known till the date. The credit cards are used like anything by the general peoples. In today’s era each and every one wants to make his life more and more comfortable and elite that will be full of facilities. Now days there are lot of things which are considered only the status symbol. These kind of peoples try to use all such kinds of things which can enhance there status. The credit cards are also such kind of things to these kinds of peoples who want to show them selves as it. But above all the most important part of using the axis bank credit cards India is that they are making their consumer free from his problem of carrying the cash with them wherever they go. THE WAY OF GETTING IT: The axis bank has made the process very to get the card. They have not even confused anyone in terms of the terms and conditions or we can say in terms of the tough financial terms. The applicator is required to have an account in the respective bank and with sufficient amount of deposit in that and only on this basis the card is issued to the applicator. HOW TO REPAY: The customer is provided with the information that when they purchase anything at any date they are required to collect the bill or slip of payment of it and they are charged by specific interest rates by the bank. The customers are mainly advanced by the agents at the axis bank credit card section that hey should try to pay whole amount at a time in place of fixed minimum payment till the due date because that fixed payment will continue to charge the interest on the remaining amount. Types: • Silver • Gold • • • E-shop Benefits These • • • • • • (provides (offered the for the cash exclusive freedom) people) Corporate Easy cards: like: Mobile E-shopping world balance drafts EMI
Plus
of cards Alerts Acceptance in Transferring Dialing Facility
these offer on all over of of of
credit benefits the
CONCLUSION: The Indian market has also become very fond of it that is the axis bank credit cards which are launched in India with pure customer satisfaction and with the intention of helping the middle class peoples of India also. Thus, in the end I can surely say that it is quite advisable to all of you to use axis bank credit cards because all types of credit cards which are issued by the bank are fully in the customer favor.
Banks in India
• •
Nationalised Banks Foreign Banks
•
Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• •
Axis Bank Credit Cards Bank oF Baroda Credit Card
• • • • • • • •
Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Bank of Barada Credit Cards
Bank of Baroda credit cards is a subsidiary of the Bank of Bank of Baroda and is offered as one of the first credit cards open to the market. It has been providing best deals in credit card business for 23 years now. Also the Bank of Baroda credit cards are also called and branded as BOBCARDS. T here are different products and credit card offered by Bank of Baroda credit cards India depending on the needs of the holder from shopping, needs, paying bills, and services either locally or internationally it can be easily accessible through BOBCARD. The following BOBCARDS are Nextgen BOBCARD Gold, BOBCARD Gold, BOBCARD Exclusive, BOBCARD Exclusive Woman version and youth version, BOBCARD Silver, and BOBCARD Corporate Global. All of the credit cards under Bank of Baroda has a photo card and contains a signature for added security and id purposes for customers. NEXTGEN BOBCARD GOLD- It is made especially for students of above 18 years of age or people Professional degrees or diplomas for starting out an early age. Is accepted worldwide and Visa powered. The revolving credit for this card is Rs. 15,000 and up. BOBCARD GOLD- It is powered by either Visa or MasterCard. It is an exclusive card packed with benefits in for customers and is accessible to customers with annual income of Rs. 3, 00,000 or more. It offers high amount net worth for usage and needs. It is accepted on over 30 million locations worldwide. BOBCARD EXCLUSIVE- It is powered by MasterCard and is available for usage worldwide on over 29 million locations. Also is accessible to customer with Rs. 2, 00,000 of annual income or more. There are also women exclusive card made especially for professional women that gives unwavering contribution to India and exclusive BOBCARD for youth professionals who are working hard with great contributions to India, being one of the best that would carry the torch for the nest generation. Same conditions apply to women and youth exclusive credit cards. BOBCARD SILVER- It is powered by Visa and is known to be accepted worldwide for purchasing and
service needs. It could be availed by customers with annual income of Rs. 1, 50,000 and is known to be a great travel companion on any parts of the world. BOBCARD CORPORATE GLOBAL- Is powered by Visa and is best for corporate use. Can be used worldwide and is known to be open to 30 million locations and ATM Visa withdrawals. This type of Bank of Baroda credit cards is applicable to corporate group company. The company should have a minimum net worth of Rs. 30 Lacs.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• •
INDIA FINANCE BANKS IN INDIA
• • • • •
INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Hdfc Bank Credit Cards
Introduction: The HDFC bank credit cards India are very well known in today’s Indian market. The HDFC bank is itself the well known bank in India now. The bank was established in the year 1994 and till now it has grown so much that they are having 1,725 branches and 4,393 ATM’S all across the India. After understanding the Indian market then they have launched the credit card schemes in India. The credit cards are the things which a person can use as an assured kind of card which he or she are provided with by the company issuing them. The credit cards give a person the freeness of expending at any time and paying that amount in future. Usefulness OF HDFC Bank Credit Cards: This is human nature that we know and especially of the woman that they are so much fond of shopping that for that they can not even wait for this to do any time and in favor of this they got the HDFC bank credit cards as the best and as kind of magic stick in the hands of these peoples. The peoples of India feel so good to get this kind of options in their hand in via the HDFC bank credit
cards in
India.
these cards are seems to be so useful that if the owner is may be at any wrong place where they are having trouble to get money easily then these heft credit cards proved to be the best remedy in that case. Policy OF HDFC: The HDFC provides the credit cards to the customer in large numbers.
That is the HDFC bank credit cards in India are very vast in number with different schemes by the bank for customer of each and every field. They are as follows premium credit cards, titanium credit cards, gold credit cards, premium credit cards. All these cards are especially for specific peoples as there gold credit card is specially designed for the customers who want to spend lots of money on their premium lifestyle and can also get the discounts on train or air fairs. The bank fives the credit card to the requester only on the basis as when any one applies for it the HDFC bank checks the bank balance of the person and if its found up to the mark as according to the bank norms then the HDFC credit card India will issue the cards to the person. Thus it is very advisable for the peoples across India that they must use this facility that is provided to you by HDFC and be relaxed in life.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Indian Overseas Bank Credit Cards
Indian Overseas Bank credit cards can be easily accessed through Indian Overseas Bank that is known for being ISO certified Information
Technology department that was rendered successful that will greatly provide online banking to customers through an innovative way online. Now again Indian Overseas Bank of India has now found another product that will greatly benefit the customers and this are in form of credit cards. Features: Indian Overseas Bank credit cards have the purpose of getting the out of the inconvenience of bringing in cash. For this credit cards are a good way of purchasing products easily and can be used through online payments as well. These credit cards can also be used world wide and internationally among different establishments that accepts Visa. These cards that are made available are IOB Gold and IOB Classic. The interest rate charged per annum would be 24% and the minimum card limit is Rs. 10,000 and the maximum credit limit is fixed at Rs. 5 lakhs. Acceptance: Also the advantage of getting these Indian Overseas Bank credit cards India it is accepted on over 1 million establishments in India so users have no problem upon using it on purchasing off on some stores and establishments in India and over 130 lakhs stores worldwide or internationally. So you don’t need to worry when you’re abroad is on vacation spree on other countries, let IOB credit cards be you travel partner and provide with best shopping experience ever in foreign countries. The card is usually valid for three years from the month of being issued. You can withdraw cash on any ATM that is powered by Visa 24 hours a day anytime you need it IOB credit card will be able to provide it. Also cash that can be withdrawn through your credit card will have a cash advance interest of 24.00 % per annum. Also there are insurance benefits incorporated with both of the credit cards. Some other benefits
For certain accidents and health issue there are certain insurance coverage amounting to Rs. 25 to 10 lakhs. Also when customers use IOB Indian Overseas Bank credit cards for purchasing certain products, customer is entitled to a purchase protection making sure that the card is riot free and fraud free so the customer won’t mind illegal issues with the credit cards. Also customers are free to apply for add on cards that can be used by their loved ones associated still with their account credit card. Customers can also enjoy freebies, exclusives and certain discounts offered through the IOB credit cards and of course the joy of convenient cash anytime and anywhere.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards
• • •
Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Punjab National Bank Credit Cards
Punjab National Bank Credit Cards are launched by Punjab National Bank partnered with HSBC Ltd. combining two powerhouses in banking industry in India. HSBC is an internationally acclaimed bank that has branched out and has different establishment’s world wide and Punjab National bank is one of the largest and oldest banks in India that greatly has big banking impact in the industry today. These two banks without question are one of the most prestige banks in the country leading banking business. Types: Punjab National Bank Credit Cards India are known to power by partnership and is trusted to bring out the best in service to consumers and individuals, small and medium business, and large corporate groups. These credit cards are offered in two types which are Gold and Classic card. Punjab National Bank Credit Cards has only two variants to choose from but nevertheless, these two are packed with exemplary services and purchasing needs that will definitely suit one’s lifestyle spending, since nowadays everything is processed electronically even spending. Purposes: The two cards are offered to Indian nationals but can be used internationally for different transactions such as online shopping, internationally shopping on establishments, payments made on stores, paying of bills and many more and this two credit cards are known to be accepted in over 22 million establishments world wide. These two variants of Gold and Classic credit card can be acquired through a local one or global one. These cards will entitle you cash advance as well depending on the terms of contract that was signed through the credit card. Just to give further information regarding the credit cards offered here are the classification of the credit card and some information about each credit card offered by Punjab National Bank. DOMESTIC CREDIT CARD:
PNB GOLD CARD and PNB CLASSIC CARD- it is entitled for the rewards program and free remittance for the card holder’s account of up till Rs. 10,000. It offers 25% on basic travel fairs as on of the features and benefits presented to customers. And are accepted over 22 million establishments locally in India. GLOBAL CREDIT CARD:
PNB CLASSIC GLOBAL CARDS and PNB GLOBAL GOLD CARD- Now this Punjab National Bank Credit
Card can be freely used when you’re outside the country doing shopping, purchasing on different establishments, paying for products online, paying bills and so much more. You can also get up to two add on cards for you family members 18 years old and above. These cards are accepted world wide outside of the country. Also entitled to many points and rewards.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
SBI Credit Cards
SBI credit cards India are produced with the combined business effort and partnership between State Bank of India and GE Capital to create credit cards that will cater to marketing and consuming needs of the customers in India. These SBI credit cards are mainly used for different purchasing and payments for services and products made much easier through the additional services and guarantees made possible through the partnership of the two companies. SBI credit cards offer a wide variety of credit cards depending on the usage and purpose. There are five types of credit cards under SBI, these are; premium cards, travel and shopping cards, classic cards, and exclusive cards. PREMIUM CARDS
SBI Platinum Card- gives user access usage of Visa credit card when abroad for it’s accepted on over 1 million Visa ATMs. Almost all services and payments can be easily accessed online and provides SMS alerts for status of credit cards as well. SBI Gold and More Card- are both Visa and MasterCard powered credit card that will gave user more of almost 25 million ATMs where money can be withdrawn from. Also there is an option to apply for add on card for family members. Let’s you pay bills and book tickets online with no problems. TRAVEL AND SHOPPING CARDS
SBI Railway Card- a VISA card that gives off a unique feature of getting discounts and free railway tickets
by availing points through purchases. Also it has cartooned design made for railway. A very reliable travel companion. SBI SpiceJet Card- a MasterCard that offers free ticket booking if signed up as a full member upon enrollment of the card, also provide discount voucher for the return ticket, and also serve as a nice travel companion in one package. CLASSIC SBI credit cards
SBI Silver and More Card- is a VISA and MasterCard powered credit card that will be readily available for shopping even abroad. Also lets you access or buy tickets and pay your bills online. Provided with freebies and discount and other selected stores in India. SBI Advantage Card- can be use to withdraw in Visa and MasterCard ATMs worldwide and allows you to directly apply for the specific card by getting fixed accounts wit SBI. EXCLUSIVE CARDS
SBI Vishal Megamart Card- Comes in with shopping promos and exclusives with Vishal Mega Mart for shopping spree. “Maruti Card”- will provide you points in order to exchange this points into a brand new Maruti car. “Dena Bank Secured Card”- can be availed through Dena Bank through fixed deposit. “UBI Card”- this type of SBI credit card can be availed through United Bank of India could be Visa or MasterCard powered.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Union Bank of India Credit Cards
Union Bank of India credit cards are known to be powered by Union Bank if India. Union Bank of India rise within twentieth century and was told to be made popular by Mahatma Gandhi himself.
Now it is on of the leading banks in terms of business and commerce and is widely known and popular to India. It now offers a wide variety of service including credit card usage that is powered and partnered with Visa. Benefits: Union Bank of India Credit Cards are offered to put convenience on the way customers shop and purchase products since it will be really more convenient to have just your credit card with you when purchasing products which is known to be accepted to different stores and nationwide outlets, not only that but it also usable internationally of course accepted on Visa powered shops all over the world. That’s why this one is a useful piece of card that can get you anywhere. Union Bank of India Credit Cards offers a variety of card that you can choose from, depending on the usage of the card. There are three cards offered under Union Bank of India and those are Classic card, Gold card Silver card and Corporate card. These cards are entitled to freebies and loyalty points and some discount and promos offered exclusively to its card holders. Eligibility: Eligibility for persons who wanted to apply for these credit card offered by Union Bank of India are; person should have a total of annual income of Rs. 60,000 for salaried workers and Rs. 80,000 for self employed individuals. This card can be used internationally world wide and marketed on over 2500 branches throughout India. Also through these cards one can access cash advance on all ATMs powered by Visa nationwide with a spending limit of minimum Rs. 15,000 and maximum of Rs. 5.00 lacs. Offers: It has accident insurance coverage as well ranging from Rs. 1 lac - Rs. 8 lacs depending on the type of card that was availed by the customer. To ensure security and positive ID purposes, photo card and signature are displayed on the card itself. Rewards can be gain by getting total purchases for Rs. 100 on establishments and could redeem by renewal fees payment. Union Bank of India Credit Cards also offer the low interest rates 22.80% if the balance is good, positive and consistent in terms of daily product basis. You can also get some add on card for your family’ members, that will let you extend the features of you card through this add on card.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards
• • •
Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Vijaya Bank Credit Cards
Vijaya Bank credit cards India has been offered by the intermediate and influential Vijaya Bank which is known for its banking finance coverage among entrepreneurs and farmers. It has been a fast progressing bank in India with a network of total 1,124 branches nationwide. It caters services to common individuals, small and medium businesses, and large corporate groups. Now they offered different variety of Vijaya Bank credit cards for individuals that will definitely cater shopping and product purchasing needs. These credit cards are available for local use and international use depending on the purpose of the usage of credit cards. These credit cards are offered in domestic cards, global cards and debit cards. DOMESTIC CARDS:
1. VISA/ MASTERCARD CREDIT CARDS- are offered locally for individuals and also to corporate businesses. Has 24 hour coverage for accident insurance, this card is issued for three years time and allows you to repay monthly bills with a revolving credit. Also it is available for withdrawal on different bank branches nationwide powered by Visa and MasterCard. 2.PLATINUM CREDIT CARD- It is valid locally in India and Nepal. Is not subjected to corporate business groups. Also it will be issued three years free of charge. 3. VISA GOLD CREDIT CARD- Is subject to loyalty points, and can be offered to individuals and corporate businesses. Can be readily used to withdraw cash from ATMs. Cards are also issued for three years. GLOBAL CARDS:
3. MASTERCARD GLOBAL CARD- Is valid for usage worldwide and is subjected to a card limit with a maximum of Rs 50,000. Can be used to pay bill and make different transactions and purchases either online or personally out of the country. 4. CLASSIC INTERNATIONAL CARD- Is available for worldwide use by Visa powered establishments, it lets you send and make transactions for monthly bills through online and email all no charges. Is offered to individuals and corporate companies as well. 5. VISA CITY SPECIFIC CARDS- Is available for individuals and corporate businesses. This card can be offered with income that comes up to Rs 60,000. Can be used internationally from purchases and online
payments. 6. VISA DOCTOR’S CARD- These Vijaya Bank credit cards exclusively for medical practitioners under different specializations. The annual income that is required to avail this card would be Rs 60,000 for salary earning individuals and Rs 50,000 for self employed individuals. 7. VISA NURSE’S CARD- These Vijaya Bank credit cards offer exclusively to nurses working for a prestige government hospital or recognized home nursing care homes as regular and permanent employees, with an average income of Rs 60,000 per annum in order to avail of this card. It offers loyalty points and can be used internationally and locally for purchasing needs.
Banks in India
• • • • • • • • • • • • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map | HOME ASIAN STOCK EXCHANGES EUROPE STOCK EXCHANGES MIDDLE EAST STOCK EXCHANGES SOUTH AMERICA STOCK EXCHANGES US STOCK EXCHANGES INTEREST CALCULATORS ABOUT PRIVACY POLICY CONTACT US
How to Invest Today
How To Invest for Your Financial Future
Recommended
• • • • • • • • • • • • • • • • • Debt Consolidation Payday Loans Borrowing from the Library Without Paying an Arm and a Leg A Simple Get Rich Quick Idea The History of Life Settlement Industry Precious Metals Get Shorted Finding The Needed Forex Trading Help Studying the Required Attitude for Forex Industry Systems Making Home Affordable: Advice For Those in Need Derive Benefits From These Forex Trading Tips. A Few Steps To Include An Autopilot System Into Futures Trading Avoid College Credit Card Debt Automated foreign currency trading application Things You Should Know About Commercial and Retail Property Managers Why to Invest in Forex On-Line Trading, Why Is It Necessary For A Day Trader? Market Responses to the Question: What is Trade Scalping? The Advantages And Disadvantages Of Credit Card Balance Transfers Reasons To Use Balance Transfer Credit Cards Tips To Lowering Your Credit Card Interest Rate Securing Australia Credit Cards 0 Balance Transfer Credit Cards, Information. Credit Cards Are Only Good At The Start Getting A Lower Interest Rate For Your Credit Card Credit Card Grace Period Can Help You Reduce Interest Credit Cards – Give A Lot Of Convenience Important Features Of Credit Cards Suncorp Credit Card Balance Transfer Assists You Credit Card Basics – Understing What You
« The Importance Of Creating An Emergency Fund For Your Family Use Your Cell Phone to Transfer Money to Indi
Recent Posts
The Different Benefits Of Credit Card Bank Balance Transfer
Bank balance transfers are available for credit cards and permit you to take advantage of transferring debt from one credit card to another. Balance transfers are utilized as incentive to get clients from one cred card firm towards the other and most frequently, the customer uses the credit card that allowed the balance exchange, without having getting conscious of the interest rate that begins towards the end of the term.
What are some of the benefits that could be seen from the exchange? This exchange can allow the customer to decrease the awareness that’ getting paid towards debt via the cards by transferring from cards that have higher interest rates to cards that offer the client awareness free periods between 6 to 18 months.
Through this time, the money which is paid towards the credit card ca be directly applied to the credit card’s principal, rather than the awareness that’s accumulating on the balance of the credit card.
Depending on the balance of the card, one can easily save up to a number of hundred dollars from the balance transfer whilst making us of the accounts which do not accumulate interest on transferred balanc and even purchases.
Similar Posts
• • • • • • • • • • • •
In addition to having benefits, there are particular disadvantages that have become to be associated with the transfer. Even though the consumer has access to a very low or no interest period, most frequen once this expires the increased interest rate is greater than the original card.
If the customer is able to repay the loan or card within the time period prior to the introductory provide expires, it could be an efficient way t repay the debt, but in the case that the individual is not, it is important consider other options which can permit the client to save money.
Learning the benefits and disadvantages of the exchange can be an efficient way to figure out if the exchange can truly benefit the financi situation.
Via the transfer choices, it’s important to figure out which offers the greatest choices and which transfer time period can best correlate with the repayment plan which is attainable for your current budget.
This article is written by Lori Steven Kurgen. Please click here to lea more.
shareshareshareshare
March 24th, 2011 | Tags: Business, Credit Card, Credit Card Debt,debt, debt management, Debt Relief, Economy, finance, How to
þÿ
þÿ
Copyright © 2011 How to Invest Today - All Rights Reserved Powered by WordPress · Atahualpa Theme by BytesForAll
þÿ þÿ
þÿ
Credit cards have come to the rescue of people with hot pockets. They, nowadays, put their trust in the innovation of credit cards where they need not carry large sums of money with them; instead simply carry a credit card which is linked up with their bank account enabling them to make payments without batting an eye. It is a trend, now, to make payments at a hotel, restaurant or a departmental store/ mall using a credit card. Because of the fear of one's bank account details being swiped and stolen, more and more credit cards are made secure so that even if a credit card is stolen, the money in one's bank account stays safe. Credit cards now are of various types with different fees, interest rates and rewarding programs. When applying for a credit card, it is important to learn of their diverse types to know the one best suited to their lifestyle and financial status. Different types of credit cardsavailable by banks and other companies/organizations are briefly described below. Standard Credit Card: This is the most commonly used. One is allowed to use money up to a certain limit. The account holder has to top up the amount once the level of the balance goes down. An outstanding balance gets a penalty charge. Premium Credit Card: This has a much higher bank account and fees. Incentives are offered in this over and above that in a standard card. Credit card holders are offered travel incentives, reward points, cask back and other rewards on the use of this card. This is also called the Reward Credit Card. Some examples are: airlines frequent flier credit card, cash back credit card, automobile manufacturers' rewards credit card. Platinum and Gold, MasterCard and Visa card fall into this category. Secured Credit Card: People without credit history or with tarnished credit can avail this card. A security deposit is required amounting to the same as the credit limit. Revolving balance is required according to the 'buying and selling' done. Limited Purpose Credit Card: There is limitation to its use and is to be used only for particular applications. This is used for establishing small credits such as gas credits and credit at departmental stores. Minimal charges are levied. Charge Credit Card: This requires the card holder to make full payment of the balance every month and therefore there is no limit to credit. Because of the spending flexibility, the card holder is expected to have a higher income level and high credit score. Penalty is incurred if full payment of the balance is not done in time. Specialty Credit Card: is used for business purposes enabling businessmen to keep their businesses transactions separately in a convenient way. Charge cards and standard cards are available for this. Also, students enrolled in an accredited 4-year college/university course can avail this benefit. Prepaid Credit Card: Here, money is loaded by the card holder on to the card. It is like a debit card except that it is not tied up with a bank account. f you are planning to get a credit, the first thing you should know is which are the credit card issuing banks in India. There are several banks which provide credit cards in India. Given below is a list of Credit Card service providing banks along with the various types of Credit Cards they offer. Indian Banks offering Credit Card facility to its customers are:
• Axis Bank • Bank of Baroda
• • • • • • • • • • •
Canara Bank Corporation Bank HDFC ICICI Bank Indian Overseas Bank Kotak Mahindra. Punjab National Bank SBI Syndicate Bank Union Bank of India Vijaya Bank
• • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS
• • • •
CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Overseas Bank Credit Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
ICICI Credit Cards
Introduction: The ICICI credit cards are the most famous and well known in the Indian market.
The credit cards are here present in the market for the customer satisfaction and comfort of the user. The ICICI credit cards launched in India with the same intention, as they want to provide the best facility to their customers or the applicator and without any ado they have succeeded in that with their huge efforts. The credit cards can give any one the freeness of shopping at any time and at any place. These credit cards have created a revolution kind through which the persons are free to earn according to their needs and especially their will. Procedure of getting it:
The applicator or the person who wants the credit cards issued to them should first give or fills the application form which is provided to them by the ICICI bank. The first priority by the bank is that the applicator must have account in their bank and must be having that much amount or can say the amount limit that is required by the bank.
The bank has fixed the different limits for the different types of the amount. The banks provide the limit to the customer that is that the customer will not go beyond that limit in shopping. Types of ICICI Credit Cards:
The ICICI offers various kinds of credit cards in India under the name of the ICICI credit cards India. The different types are as platinum credit card, affinity credit cards, gold credit cards, instant gold credit cards, value for money cards, and many more in the favor of the peoples. These entire credit cards are especially designed for the convenience of the person using the card. All these are having different facilities that are the rate of interest may be different and the limit value may also vary in all cases. Mode of repayment:
The bank has also fixed the specific mode of payment which the customer has to follow. In these policies the ICICI bank has fixed the interest rates which should be followed by the credit card providing bank. The person when used the credit card gets the receipt of payment. Then they are advised to pay the amount to the ICICI bank as quickly it is possible because as much as they will delay the payment to the bank the interest will increase. So the owners of ICICI credit cards India have to pay a lot if they will delay the payment. The payment can be done by cheque or in the form of cash also.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
AXIS Bank Credit Cards
INTRODUCTION:
The axis bank credit cards India are very well known till the date. The credit cards are used like anything by the general peoples. In today’s era each and every one wants to make his life more and more comfortable and elite that will be full of facilities. Now days there are lot of things which are considered only the status symbol. These kind of peoples try to use all such kinds of things which can enhance there status. The credit cards are also such kind of things to these kinds of peoples who want to show them selves as it. But above all the most important part of using the axis bank credit cards India is that they are making their consumer free from his problem of carrying the cash with them wherever they go. THE WAY OF GETTING IT: The axis bank has made the process very to get the card. They have not even confused anyone in terms of the terms and conditions or we can say in terms of the tough financial terms. The applicator is required to have an account in the respective bank and with sufficient amount of deposit in that and only on this basis the card is issued to the applicator. HOW TO REPAY: The customer is provided with the information that when they purchase anything at any date they are required to collect the bill or slip of payment of it and they are charged by specific interest rates by the bank. The customers are mainly advanced by the agents at the axis bank credit card section that hey should try to pay whole amount at a time in place of fixed minimum payment till the due date because that fixed payment will continue to charge the interest on the remaining amount. Types: • Silver • Gold • • • E-shop Benefits These • • • • • • (provides (offered the for the cash exclusive freedom) people) Corporate Easy cards: like: Mobile E-shopping world balance drafts EMI
Plus
of cards Alerts Acceptance in Transferring Dialing Facility
these offer on all over of of of
credit benefits the
CONCLUSION: The Indian market has also become very fond of it that is the axis bank credit cards which are launched in India with pure customer satisfaction and with the intention of helping the middle class peoples of India also. Thus, in the end I can surely say that it is quite advisable to all of you to use axis bank credit cards because all types of credit cards which are issued by the bank are fully in the customer favor.
Banks in India
• •
Nationalised Banks Foreign Banks
•
Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• •
Axis Bank Credit Cards Bank oF Baroda Credit Card
• • • • • • • •
Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Bank of Barada Credit Cards
Bank of Baroda credit cards is a subsidiary of the Bank of Bank of Baroda and is offered as one of the first credit cards open to the market. It has been providing best deals in credit card business for 23 years now. Also the Bank of Baroda credit cards are also called and branded as BOBCARDS. T here are different products and credit card offered by Bank of Baroda credit cards India depending on the needs of the holder from shopping, needs, paying bills, and services either locally or internationally it can be easily accessible through BOBCARD. The following BOBCARDS are Nextgen BOBCARD Gold, BOBCARD Gold, BOBCARD Exclusive, BOBCARD Exclusive Woman version and youth version, BOBCARD Silver, and BOBCARD Corporate Global. All of the credit cards under Bank of Baroda has a photo card and contains a signature for added security and id purposes for customers. NEXTGEN BOBCARD GOLD- It is made especially for students of above 18 years of age or people Professional degrees or diplomas for starting out an early age. Is accepted worldwide and Visa powered. The revolving credit for this card is Rs. 15,000 and up. BOBCARD GOLD- It is powered by either Visa or MasterCard. It is an exclusive card packed with benefits in for customers and is accessible to customers with annual income of Rs. 3, 00,000 or more. It offers high amount net worth for usage and needs. It is accepted on over 30 million locations worldwide. BOBCARD EXCLUSIVE- It is powered by MasterCard and is available for usage worldwide on over 29 million locations. Also is accessible to customer with Rs. 2, 00,000 of annual income or more. There are also women exclusive card made especially for professional women that gives unwavering contribution to India and exclusive BOBCARD for youth professionals who are working hard with great contributions to India, being one of the best that would carry the torch for the nest generation. Same conditions apply to women and youth exclusive credit cards. BOBCARD SILVER- It is powered by Visa and is known to be accepted worldwide for purchasing and
service needs. It could be availed by customers with annual income of Rs. 1, 50,000 and is known to be a great travel companion on any parts of the world. BOBCARD CORPORATE GLOBAL- Is powered by Visa and is best for corporate use. Can be used worldwide and is known to be open to 30 million locations and ATM Visa withdrawals. This type of Bank of Baroda credit cards is applicable to corporate group company. The company should have a minimum net worth of Rs. 30 Lacs.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• •
INDIA FINANCE BANKS IN INDIA
• • • • •
INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Hdfc Bank Credit Cards
Introduction: The HDFC bank credit cards India are very well known in today’s Indian market. The HDFC bank is itself the well known bank in India now. The bank was established in the year 1994 and till now it has grown so much that they are having 1,725 branches and 4,393 ATM’S all across the India. After understanding the Indian market then they have launched the credit card schemes in India. The credit cards are the things which a person can use as an assured kind of card which he or she are provided with by the company issuing them. The credit cards give a person the freeness of expending at any time and paying that amount in future. Usefulness OF HDFC Bank Credit Cards: This is human nature that we know and especially of the woman that they are so much fond of shopping that for that they can not even wait for this to do any time and in favor of this they got the HDFC bank credit cards as the best and as kind of magic stick in the hands of these peoples. The peoples of India feel so good to get this kind of options in their hand in via the HDFC bank credit
cards in
India.
these cards are seems to be so useful that if the owner is may be at any wrong place where they are having trouble to get money easily then these heft credit cards proved to be the best remedy in that case. Policy OF HDFC: The HDFC provides the credit cards to the customer in large numbers.
That is the HDFC bank credit cards in India are very vast in number with different schemes by the bank for customer of each and every field. They are as follows premium credit cards, titanium credit cards, gold credit cards, premium credit cards. All these cards are especially for specific peoples as there gold credit card is specially designed for the customers who want to spend lots of money on their premium lifestyle and can also get the discounts on train or air fairs. The bank fives the credit card to the requester only on the basis as when any one applies for it the HDFC bank checks the bank balance of the person and if its found up to the mark as according to the bank norms then the HDFC credit card India will issue the cards to the person. Thus it is very advisable for the peoples across India that they must use this facility that is provided to you by HDFC and be relaxed in life.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Indian Overseas Bank Credit Cards
Indian Overseas Bank credit cards can be easily accessed through Indian Overseas Bank that is known for being ISO certified Information
Technology department that was rendered successful that will greatly provide online banking to customers through an innovative way online. Now again Indian Overseas Bank of India has now found another product that will greatly benefit the customers and this are in form of credit cards. Features: Indian Overseas Bank credit cards have the purpose of getting the out of the inconvenience of bringing in cash. For this credit cards are a good way of purchasing products easily and can be used through online payments as well. These credit cards can also be used world wide and internationally among different establishments that accepts Visa. These cards that are made available are IOB Gold and IOB Classic. The interest rate charged per annum would be 24% and the minimum card limit is Rs. 10,000 and the maximum credit limit is fixed at Rs. 5 lakhs. Acceptance: Also the advantage of getting these Indian Overseas Bank credit cards India it is accepted on over 1 million establishments in India so users have no problem upon using it on purchasing off on some stores and establishments in India and over 130 lakhs stores worldwide or internationally. So you don’t need to worry when you’re abroad is on vacation spree on other countries, let IOB credit cards be you travel partner and provide with best shopping experience ever in foreign countries. The card is usually valid for three years from the month of being issued. You can withdraw cash on any ATM that is powered by Visa 24 hours a day anytime you need it IOB credit card will be able to provide it. Also cash that can be withdrawn through your credit card will have a cash advance interest of 24.00 % per annum. Also there are insurance benefits incorporated with both of the credit cards. Some other benefits
For certain accidents and health issue there are certain insurance coverage amounting to Rs. 25 to 10 lakhs. Also when customers use IOB Indian Overseas Bank credit cards for purchasing certain products, customer is entitled to a purchase protection making sure that the card is riot free and fraud free so the customer won’t mind illegal issues with the credit cards. Also customers are free to apply for add on cards that can be used by their loved ones associated still with their account credit card. Customers can also enjoy freebies, exclusives and certain discounts offered through the IOB credit cards and of course the joy of convenient cash anytime and anywhere.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards
• • •
Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Punjab National Bank Credit Cards
Punjab National Bank Credit Cards are launched by Punjab National Bank partnered with HSBC Ltd. combining two powerhouses in banking industry in India. HSBC is an internationally acclaimed bank that has branched out and has different establishment’s world wide and Punjab National bank is one of the largest and oldest banks in India that greatly has big banking impact in the industry today. These two banks without question are one of the most prestige banks in the country leading banking business. Types: Punjab National Bank Credit Cards India are known to power by partnership and is trusted to bring out the best in service to consumers and individuals, small and medium business, and large corporate groups. These credit cards are offered in two types which are Gold and Classic card. Punjab National Bank Credit Cards has only two variants to choose from but nevertheless, these two are packed with exemplary services and purchasing needs that will definitely suit one’s lifestyle spending, since nowadays everything is processed electronically even spending. Purposes: The two cards are offered to Indian nationals but can be used internationally for different transactions such as online shopping, internationally shopping on establishments, payments made on stores, paying of bills and many more and this two credit cards are known to be accepted in over 22 million establishments world wide. These two variants of Gold and Classic credit card can be acquired through a local one or global one. These cards will entitle you cash advance as well depending on the terms of contract that was signed through the credit card. Just to give further information regarding the credit cards offered here are the classification of the credit card and some information about each credit card offered by Punjab National Bank. DOMESTIC CREDIT CARD:
PNB GOLD CARD and PNB CLASSIC CARD- it is entitled for the rewards program and free remittance for the card holder’s account of up till Rs. 10,000. It offers 25% on basic travel fairs as on of the features and benefits presented to customers. And are accepted over 22 million establishments locally in India. GLOBAL CREDIT CARD:
PNB CLASSIC GLOBAL CARDS and PNB GLOBAL GOLD CARD- Now this Punjab National Bank Credit
Card can be freely used when you’re outside the country doing shopping, purchasing on different establishments, paying for products online, paying bills and so much more. You can also get up to two add on cards for you family members 18 years old and above. These cards are accepted world wide outside of the country. Also entitled to many points and rewards.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
SBI Credit Cards
SBI credit cards India are produced with the combined business effort and partnership between State Bank of India and GE Capital to create credit cards that will cater to marketing and consuming needs of the customers in India. These SBI credit cards are mainly used for different purchasing and payments for services and products made much easier through the additional services and guarantees made possible through the partnership of the two companies. SBI credit cards offer a wide variety of credit cards depending on the usage and purpose. There are five types of credit cards under SBI, these are; premium cards, travel and shopping cards, classic cards, and exclusive cards. PREMIUM CARDS
SBI Platinum Card- gives user access usage of Visa credit card when abroad for it’s accepted on over 1 million Visa ATMs. Almost all services and payments can be easily accessed online and provides SMS alerts for status of credit cards as well. SBI Gold and More Card- are both Visa and MasterCard powered credit card that will gave user more of almost 25 million ATMs where money can be withdrawn from. Also there is an option to apply for add on card for family members. Let’s you pay bills and book tickets online with no problems. TRAVEL AND SHOPPING CARDS
SBI Railway Card- a VISA card that gives off a unique feature of getting discounts and free railway tickets
by availing points through purchases. Also it has cartooned design made for railway. A very reliable travel companion. SBI SpiceJet Card- a MasterCard that offers free ticket booking if signed up as a full member upon enrollment of the card, also provide discount voucher for the return ticket, and also serve as a nice travel companion in one package. CLASSIC SBI credit cards
SBI Silver and More Card- is a VISA and MasterCard powered credit card that will be readily available for shopping even abroad. Also lets you access or buy tickets and pay your bills online. Provided with freebies and discount and other selected stores in India. SBI Advantage Card- can be use to withdraw in Visa and MasterCard ATMs worldwide and allows you to directly apply for the specific card by getting fixed accounts wit SBI. EXCLUSIVE CARDS
SBI Vishal Megamart Card- Comes in with shopping promos and exclusives with Vishal Mega Mart for shopping spree. “Maruti Card”- will provide you points in order to exchange this points into a brand new Maruti car. “Dena Bank Secured Card”- can be availed through Dena Bank through fixed deposit. “UBI Card”- this type of SBI credit card can be availed through United Bank of India could be Visa or MasterCard powered.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Union Bank of India Credit Cards
Union Bank of India credit cards are known to be powered by Union Bank if India. Union Bank of India rise within twentieth century and was told to be made popular by Mahatma Gandhi himself.
Now it is on of the leading banks in terms of business and commerce and is widely known and popular to India. It now offers a wide variety of service including credit card usage that is powered and partnered with Visa. Benefits: Union Bank of India Credit Cards are offered to put convenience on the way customers shop and purchase products since it will be really more convenient to have just your credit card with you when purchasing products which is known to be accepted to different stores and nationwide outlets, not only that but it also usable internationally of course accepted on Visa powered shops all over the world. That’s why this one is a useful piece of card that can get you anywhere. Union Bank of India Credit Cards offers a variety of card that you can choose from, depending on the usage of the card. There are three cards offered under Union Bank of India and those are Classic card, Gold card Silver card and Corporate card. These cards are entitled to freebies and loyalty points and some discount and promos offered exclusively to its card holders. Eligibility: Eligibility for persons who wanted to apply for these credit card offered by Union Bank of India are; person should have a total of annual income of Rs. 60,000 for salaried workers and Rs. 80,000 for self employed individuals. This card can be used internationally world wide and marketed on over 2500 branches throughout India. Also through these cards one can access cash advance on all ATMs powered by Visa nationwide with a spending limit of minimum Rs. 15,000 and maximum of Rs. 5.00 lacs. Offers: It has accident insurance coverage as well ranging from Rs. 1 lac - Rs. 8 lacs depending on the type of card that was availed by the customer. To ensure security and positive ID purposes, photo card and signature are displayed on the card itself. Rewards can be gain by getting total purchases for Rs. 100 on establishments and could redeem by renewal fees payment. Union Bank of India Credit Cards also offer the low interest rates 22.80% if the balance is good, positive and consistent in terms of daily product basis. You can also get some add on card for your family’ members, that will let you extend the features of you card through this add on card.
Banks in India
• • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map |
• • • • • • •
INDIA FINANCE BANKS IN INDIA INDIA MUTUAL FUNDS CREDIT CARDS INDIA INSURANCE COMPANIES INDIA STOCK EXCHANGE LOANS IN INDIA
Indian Credit Cards
• • • • • • •
Axis Bank Credit Cards Bank oF Baroda Credit Card Canara Bank Credit Cards HDFC Credit Cards ICICI Credit Cards Indian Overseas Cards Kotak Mahindra Credit Cards
• • •
Punjab National Credit Cards SBI Credit Cads Union Bank of India Credit Cards
• Vijaya Bank Credit Cards Foreign Credit Cards • • • • •
ABN Amro Credit Cards American Express Cards Citibank Credit Cards Hsbc Credit Cards more
Vijaya Bank Credit Cards
Vijaya Bank credit cards India has been offered by the intermediate and influential Vijaya Bank which is known for its banking finance coverage among entrepreneurs and farmers. It has been a fast progressing bank in India with a network of total 1,124 branches nationwide. It caters services to common individuals, small and medium businesses, and large corporate groups. Now they offered different variety of Vijaya Bank credit cards for individuals that will definitely cater shopping and product purchasing needs. These credit cards are available for local use and international use depending on the purpose of the usage of credit cards. These credit cards are offered in domestic cards, global cards and debit cards. DOMESTIC CARDS:
1. VISA/ MASTERCARD CREDIT CARDS- are offered locally for individuals and also to corporate businesses. Has 24 hour coverage for accident insurance, this card is issued for three years time and allows you to repay monthly bills with a revolving credit. Also it is available for withdrawal on different bank branches nationwide powered by Visa and MasterCard. 2.PLATINUM CREDIT CARD- It is valid locally in India and Nepal. Is not subjected to corporate business groups. Also it will be issued three years free of charge. 3. VISA GOLD CREDIT CARD- Is subject to loyalty points, and can be offered to individuals and corporate businesses. Can be readily used to withdraw cash from ATMs. Cards are also issued for three years. GLOBAL CARDS:
3. MASTERCARD GLOBAL CARD- Is valid for usage worldwide and is subjected to a card limit with a maximum of Rs 50,000. Can be used to pay bill and make different transactions and purchases either online or personally out of the country. 4. CLASSIC INTERNATIONAL CARD- Is available for worldwide use by Visa powered establishments, it lets you send and make transactions for monthly bills through online and email all no charges. Is offered to individuals and corporate companies as well. 5. VISA CITY SPECIFIC CARDS- Is available for individuals and corporate businesses. This card can be offered with income that comes up to Rs 60,000. Can be used internationally from purchases and online
payments. 6. VISA DOCTOR’S CARD- These Vijaya Bank credit cards exclusively for medical practitioners under different specializations. The annual income that is required to avail this card would be Rs 60,000 for salary earning individuals and Rs 50,000 for self employed individuals. 7. VISA NURSE’S CARD- These Vijaya Bank credit cards offer exclusively to nurses working for a prestige government hospital or recognized home nursing care homes as regular and permanent employees, with an average income of Rs 60,000 per annum in order to avail of this card. It offers loyalty points and can be used internationally and locally for purchasing needs.
Banks in India
• • • • • • • • • • • • •
Nationalised Banks Foreign Banks Private Banks
India Finance | About FM | India Insurance | Indian Industries | Contact |Advertise |Disclaimer | Site Map | HOME ASIAN STOCK EXCHANGES EUROPE STOCK EXCHANGES MIDDLE EAST STOCK EXCHANGES SOUTH AMERICA STOCK EXCHANGES US STOCK EXCHANGES INTEREST CALCULATORS ABOUT PRIVACY POLICY CONTACT US
How to Invest Today
How To Invest for Your Financial Future
Recommended
• • • • • • • • • • • • • • • • • Debt Consolidation Payday Loans Borrowing from the Library Without Paying an Arm and a Leg A Simple Get Rich Quick Idea The History of Life Settlement Industry Precious Metals Get Shorted Finding The Needed Forex Trading Help Studying the Required Attitude for Forex Industry Systems Making Home Affordable: Advice For Those in Need Derive Benefits From These Forex Trading Tips. A Few Steps To Include An Autopilot System Into Futures Trading Avoid College Credit Card Debt Automated foreign currency trading application Things You Should Know About Commercial and Retail Property Managers Why to Invest in Forex On-Line Trading, Why Is It Necessary For A Day Trader? Market Responses to the Question: What is Trade Scalping? The Advantages And Disadvantages Of Credit Card Balance Transfers Reasons To Use Balance Transfer Credit Cards Tips To Lowering Your Credit Card Interest Rate Securing Australia Credit Cards 0 Balance Transfer Credit Cards, Information. Credit Cards Are Only Good At The Start Getting A Lower Interest Rate For Your Credit Card Credit Card Grace Period Can Help You Reduce Interest Credit Cards – Give A Lot Of Convenience Important Features Of Credit Cards Suncorp Credit Card Balance Transfer Assists You Credit Card Basics – Understing What You
« The Importance Of Creating An Emergency Fund For Your Family Use Your Cell Phone to Transfer Money to Indi
Recent Posts
The Different Benefits Of Credit Card Bank Balance Transfer
Bank balance transfers are available for credit cards and permit you to take advantage of transferring debt from one credit card to another. Balance transfers are utilized as incentive to get clients from one cred card firm towards the other and most frequently, the customer uses the credit card that allowed the balance exchange, without having getting conscious of the interest rate that begins towards the end of the term.
What are some of the benefits that could be seen from the exchange? This exchange can allow the customer to decrease the awareness that’ getting paid towards debt via the cards by transferring from cards that have higher interest rates to cards that offer the client awareness free periods between 6 to 18 months.
Through this time, the money which is paid towards the credit card ca be directly applied to the credit card’s principal, rather than the awareness that’s accumulating on the balance of the credit card.
Depending on the balance of the card, one can easily save up to a number of hundred dollars from the balance transfer whilst making us of the accounts which do not accumulate interest on transferred balanc and even purchases.
Similar Posts
• • • • • • • • • • • •
In addition to having benefits, there are particular disadvantages that have become to be associated with the transfer. Even though the consumer has access to a very low or no interest period, most frequen once this expires the increased interest rate is greater than the original card.
If the customer is able to repay the loan or card within the time period prior to the introductory provide expires, it could be an efficient way t repay the debt, but in the case that the individual is not, it is important consider other options which can permit the client to save money.
Learning the benefits and disadvantages of the exchange can be an efficient way to figure out if the exchange can truly benefit the financi situation.
Via the transfer choices, it’s important to figure out which offers the greatest choices and which transfer time period can best correlate with the repayment plan which is attainable for your current budget.
This article is written by Lori Steven Kurgen. Please click here to lea more.
shareshareshareshare
March 24th, 2011 | Tags: Business, Credit Card, Credit Card Debt,debt, debt management, Debt Relief, Economy, finance, How to
þÿ
þÿ
Copyright © 2011 How to Invest Today - All Rights Reserved Powered by WordPress · Atahualpa Theme by BytesForAll
þÿ þÿ
þÿ
