Credit Cards

HDFC offers five different credit cards with the lifetime free option. Here is the list of these cards and some of the key features of each

The majority of credit cards do not require a deposit. They are sanctioned based on the credit score of the individual and the income of the customer. 

Missing credit card payments affect your credit score. By how much your credit score will be impacted depends on how long the bill is overdue.

A business credit card may have an impact on your personal credit score, depending on the card issuer and how you use it. 

Yes, you can get a credit card with no income. Many credit card issuers offer various means to apply for a credit card without an income.

If you are using multiple credit cards and are finding it difficult to manage the credit burden, you can close your youngest or latest credit card account. This will help in consolidating your credit and you can have better control over your credit card dues with fewer accounts.

SBI Unnati credit card is ideal for low-income groups. The annual fee on this card has been waived off by the bank for the first 4 years. Some of the features and benefits of this card are

Canara Bank credit cardholders can withdraw cash from any ATM in times of emergency. Canara Bank charges a service fee of 3% of the withdrawal amount or Rs.30 per Rs.1000, whichever is higher. 

IndusInd Bank credit card cash advance charges are 2.5% of the advance amount subject to a minimum of Rs. 300. This amount is waived off for PIONEER Heritage, PIONEER Legacy and Legend Credit Card variants. 

In an emergency, the cardmember may withdraw cash from ATMs in India or abroad using IDFC Bank credit cards. A transaction fee of Rs. 250 will be charged and billed to the cardmember on the next statement, as specified in the Schedule of Charges.

Contactless cards have gained popularity in recent times. Contactless cards allow you to make card transactions at PoS machines without having to enter the PIN number. However, the maximum transaction amount is capped at Rs.2000. This allows for faster payments at the counter. 

SBI Prime Credit Card is the ultimate rewards card. It gives some of the best benefits for any credit card in the current market. It is an international card accepted at over 24 million outlets across the world. If you want to take complete advantage of all its features

You can fulfill all your immediate cash needs using "Instant Loan’ which is a quick and easy loan option offered against your Axis Bank credit card. You can avail this offer without any documentation & the loan amount is directly disbursed to your Axis Bank’s Savings account.

ICICI Bank offers few types of loans on credit cards. You just have to go through a simple application process to apply for any of these loans on your ICICI Bank credit card.

IndusInd Bank credit card purchases can possibly be converted into easy EMI by using any one of the following methods

HDFC Credit Card cash withdrawal also known as cash advance is one of the features available on HDFC Credit Cards. This service allows credit card users to use their cards to withdraw cash from an ATM.

Easy Money facility on SBI Card empowers SBI credit cardholders to avail funds for short terms at low rates of interest. The funds get instantly credited to your bank account through NEFT. As per your convenience you can book Easy Money in multiple ways. 

Everyone is bound to become a debtor at some point in their life. But there is a difference between ‘good debt’ and ‘bad debt’. Good debts allow you to acquire assets that appreciate in value, like property, houses, land, etc. Bad debts only choke your cash flow and result in a bad credit score. ‘Credit card dues are bad debts’. 

Axis Bank provides multiple channels to pay your Axis Bank credit card dues. Paying your credit card due with SMS is a very easy and convenient option. 

It is not possible to pay your Axis Bank credit card payment using another bank debit card. However, you may use Visa Money Transfer to pay from any Visa Debit Card only. 

It is important to pay your Axis Bank Credit Card dues on time. You can pay using either an Axis Bank account or a non-Axis Bank account using any of the following methods