Credit Cards

You can use your Axis Bank debit card to pay your Axis Bank credit card dues. However, using another bank debit card is possible under the Visa Money Transfer (VMT) facility for Visa Debit Cards only. 

In today’s UPI era, it is very convenient to pay your Axis Bank credit card bills using any UPI.  UPI, or Unified Payments Interface, is a real-time payment system in which your bank account is connected to a Virtual Payment Address (VPA), also known as a UPI ID, which can be used to send and receive funds as well as pay bills. The format of a UPI ID is xxxx@upiprovider, where UPI provider is usually your bank.

A Loan against Credit Card is nothing but a pre-approved loan. It requires no documentation and processing and the loan amount is instantly disbursed into your account.

HDFC Bank provides Insta Loans to all HDFC Bank credit card users against their credit limit. Cardholders can avail Insta Loans depending on their eligibility, card type, card limit and credit profile. 

Customers can log in into their net banking account to convert their Axis Bank credit card bill to EMI after a purchase has been made. There are three ways through which customers can convert their Axis Bank credit card bill into EMI.

You need to use the “credit card balance conversion” feature to convert the outstanding amount on your Citibank credit card bill into easy EMIs. Besides enjoying a lower rate of interest on your credit card bill, you also get rid of service fees while enjoying the luxury of paying small monthly amounts.

American Express (Amex) allows cardholders to withdraw cash at partnered ATMs. Cash withdrawal is available for all American Express credit cardholders. However, in order to avail this facility, one must enroll himself/herself for the service first.

Credit card cash advance fee is the amount levied on every credit card cash withdrawal. Every time you use your credit card to withdraw cash at an ATM, you will have to pay a certain fee, which will be added to your next month’s billing statement.

Like most other banks in India, Axis bank also charges a cash advance fee on credit card cash withdrawals. This is a transaction charge that the cardholder has to pay every time they withdraw cash using their credit card. This fee charge will be added to their credit card bill in the following statement.

As you would know, you can use your credit card to withdraw money from an ATM. But, the catch here is that the cash withdrawal feature comes with a fee. A transaction fee or a cash advance fee is charged every time you use a credit card to withdraw money. This amount is added to the bill in the next statement.

Getting approved for a credit card is difficult when you have poor credit scores. But, it isn’t impossible. But, the catch here is that, even if you’re approved for a credit card with poor credit score, you may not land the best deal. The benefits available on your card will differ from a regular credit card holder. 

SBI charges a cash advance fee of 2.5% of the amount withdrawn or Rs.300 (whichever is higher). For international transactions, a fee of 3% of the amount withdrawn or Rs.300 (whichever is higher) is levied. 

Unlike a debit card, everytime you use a credit card to withdraw cash from an ATM, you will be charged cash withdrawal fees (also known as cash advance fees). Everytime you withdraw money through your credit card, you are charged with a transaction fee which will be added to your next month billing cycle.

To increase ICICI bank’s credit limit, you can simply request for it by getting in touch with your bank without any charges. Here is everything you need to know about requesting a credit card limit increase with ICICI.

For both these options, the first step is to check your eligibility with the bank. Make sure that your KYC with the bank is updated whenever there are any changes. The bank may also require you to provide additional information regarding your current income status when you apply for a credit limit increase.

SBI Card regularly identifies select cardholders for a Pre-approved Credit Limit Increase offer based on internal risk policies. 

Kotak Mahindra Bank determines the credit limit for each credit cardholder based on several factors. Active users who pay their bills on time will get an automatic increase on their credit limit every year. The user’s spending pattern is scrutinized by the bank regularly to determine the increase in credit limit that can be offered to each customer. 

The credit limit of your RBL credit card will be mentioned when you receive the card. You can also find it on your monthly statement. However if you wish to increase the credit card limit, you can visit the bank’s branch and request the credit card limit to be increased.

Punjab National Bank offers an array of credit cards to benefit its customers. The credit limit for your credit card is notified at the time of delivery of the card. If you wish to get your PNB credit card limit increased then you can write to the bank asking the same. 

Card Holders can visit the nearest Induslnd bank branch and request the bank official to guide them through the card limit upgrade process.

To increase Citi credit limit, you can simply request for it by getting in touch with your bank. Here is everything you need to know about requesting a credit card limit increase with Citi.