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Credit card is a digital alternative to cash-based transactions. This is simply a plastic card issued by bank and financial institutions, which allows the consumer to withdraw advance cash or make a purchase on credit. The consumer can
Debit card allows a consumer to withdraw or spend their own money from the bank account while in case of a credit card any money withdrawn or spent is a loan amount granted for a stipulated time by a bank or financial institution. If you want to look for top 10 credit cards in India, you can just log on to Creditkaro.com and go to the blogs section, we have some serious recommendations.
Both VISA and MasterCard are globally renowned payment technology companies which allows consumers to use a secured payment gateway. Both are widely accepted in over two hundred countries around the world. Even the best credit card in India will have one of these payment technologies.
Co-branded credit cards are the ones which feature a merchant’s name and logo as a co-promoter of the card. These cards may include rewards and cashback offers from the co-promoter. You can visit our credit card page and find some mind-blowing offers on credit card online; we also offer free credit score check for all our users.
Joining fee
Annual fee
cash withdrawal
Duplicate statement fee
Service tax
Over-limit fee
Electronic fund transfer
Age should be More than 18 years (more in some cases)
You should be salaried employee or self-employed.
Must Have a valid Indian address
Must Have a savings account
Must meet the income criteria.
CVV (Card verification value) number is a 3 digit number mentioned at the back of your card on the signature panel. The CVV number is vital in case of online transaction and provides your card authenticity thus should not be disclosed to anyone.
Standard credit card- These are basic credit cards nominal or no annual fee.
Reward cards-These are cards with which you can earn reward points on each transaction and use them for future purchases.
Travel cards-These cards can earn you frequent flyer points and executive lounge access when you purchase tickets using them.
cash-back card-These cards have cash-back offers on transactions made at partner outlets.
Fuel cards-These cards can earn you fuel points on making transactions at fuel pumps.
Co-branded cards-These cards feature the co-promoter's logo/name on the card and can earn you discounts and points at the co-promoter's outlet.
Charge cards- With these cards you must pay the total outstanding balance at the end of every month as the balance will not be carry forwarded. These cards have no credit limits.
Supplementary card refers to one or more credit cards which can be issued to the family members of the primary card holders. These cards share the credit limit of the primary card holder. You can have up to 3 supplementary cards at a time although it can vary from one issuer to another.
If you want to check your credit score all you need to do is log on to credit Karo page, go to the home page, click the "check your score" tab and just fill the required information and get the accurate credit score.
Yes. You can make online transactions with your credit card, using a credit card for online transactions is a smart idea because you can earn on various deals and offers.There are a lot of cashback offers on e-commerce websites incase of credit card purchases.
Yes. Each time you use a credit card to make a withdrawal from a credit card, banks charge you a cash advance fee, which is a certain percentage of the withdrawn amount. This amount usually varies from 2.5% to 3% of the withdrwan amount.
Applying for a credit card will never be this easy, all you need to do is:
Log on to CreditKaro.com
Click on the credit card Tab(locate it from the home page)
Once you are on the product list page, you can choose from various options and find the card that suits your lifestyle.
It is very easy to compare among different credit cards on CreditKaro.com. When you are on the product list page, you will find a compare button on every product, CreditKaro allows you to compare minimum 2 and maximum 3 products. You can compare the products based on the given criterias and find the one that suits you.
Incase you loose your credit card, Immediately call the issuer's customer care number and block the card as soon as possible to avoid any misuse. You can read our blog on the topic "What would you do if you lost your Debit or Credit card?" to get more relevant information.
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