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Visa Credit Cards
A Visa credit card is a credit card that uses the Visa network. It is branded by Visa. Financial institutions partner with Visa to use the company’s network. Visa credit cards can be used to make purchases at POS terminals, make online payments, pay bills, and even withdraw cash from ATMs worldwide. They provide cardholders with convenience and safety and can be used at merchants and automated teller machines (ATMs) around the world.Visa cards come in 5 different variants namely Classic, Gold, Platinum, Signature, and Infinite. Read further to know more about Visa Credit Cards, including their uses and offers.
Best Visa Credit Cards in India 2024
Card Name | Most suited for |
|---|---|
Axis Bank Ace Credit Card | Cashback |
Axis Bank Neo Credit Card | Lifestyle |
HDFC Moneyback Credit Card | Rewards |
HDFC Bank Regalia Credit Card | All round benefits |
Amazon Pay ICICI Credit Card | Online shopping cashback |
Axis Bank Flipkart Credit Card | Shopping cashback |
Standard Chartered Manhattan Platinum Credit Card | Grocery and supermarket spends |
SBI Card Elite | Lifestyle and shopping |
SBI Card Prime | Lifestyle, travel, and dining |
Air India SBI Platinum Credit Card | Travel |
IRCTC SBI Platinum Credit Card | Travel |
Types of Visa Credit Cards
Card | Features |
|---|---|
Visa Classic Credit Card |
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Visa Gold Credit Card |
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Visa Platinum Credit Card |
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Visa Signature Credit Card |
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Visa Infinite Credit Card |
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What is The Visa Network?
- Visa Inc is an organization that allows the payments which are paid with debit and credit cards issued by the company, between merchant banks and the customer bank.
- Visa also works as a settlement network for the banks who issue the cards and levy a small portion of the money as the payment processing fee.
- Along with this, the payments carried out through the Visa network are protected with an additional level of online security.
Where is The Visa Credit Card Accepted?
Visa credit and debit cards can be used in over 200 countries globally. They are accepted at the transaction points listed below:- Point of Sale (POS) terminals
- Online payments
- Cash Withdrawals from over 2 million ATMs worldwide
- Bill payments
- Contactless payments using PayWave feature
The visa credit card acts as a connecting payment bridge between financial institutions, businesses, merchants, and the government.
How To Apply For A Visa Credit Card?
Via Online
You can apply for these cards online on the website of the desired NBFC or bank. You can also obtain the desired card on CreditMantri. Here are the steps to apply through CreditMantriStep 1: Select the card that you want to apply for and click ‘Apply’
Step 2: You will be redirected to the credit card application page.
Step 3: Enter the details such as mobile number, Email ID, residence pincode, residence city, employment type, and so on.
Step 4: Click ‘Submit’
Step 5: An OTP will be dispatched to your mobile for verification
Step 6: Enter the OTP and proceed with the ensuing instructions to complete the application
Via offline
You can visit the bank and submit your application for approval for applying offline.You can obtain your card within 7-10 days of applying through both online and offline methods.
How To Make Bill Payment Through Visa Credit Card?
The Visa credit card bill payment can be done online through the following steps
Step 1: Go to the netbanking portal of the bank which has issued your Visa credit card
Step 2: Use your login credentials and log into your account
Step 3: Go to ‘Credit Cards’ and select the bill payment
Step 4: Choose the card for which you want to make the bill payment
Step 5: Enter the payment mode and click on ‘Pay’.
Step 6: You will be forwarded to the payment gateway, and you can complete the payment here.
Step 7: You can also make the credit card bill payment using the bank’s mobile app or by visiting the nearest bank branch.
What Is Visa PayWave?
- Visa PayWave is Visa’s contactless payment system.
- If your card has this feature, you can simply tap your card on the NFC-enabled Point-of-Sale (PoS) machine to pay for your buy.
- With this feature present, you don’t have to enter your credit card PIN.
- However, the Cap on the transaction amount for which you can use the contactless feature is Rs. 2,000.
VISA Credit Card Offers
Visa credit cards come with a lot of perks and offers. This again depends on the kind of card you have. For instance, Visa gold credit cards offer a broad range of offers and discounts on dining, shopping, hotels, etc. Visa Signature, Platinum, and Infinite credit cards offer abundant benefits and offers on hotel bookings and accommodating, shopping, dining, and discounts on medical.
Visa Credit Cards versus Mastercard versus Rupay Credit Cards
Visa | Mastercard | RuPay | |
|---|---|---|---|
Acceptance | Global | Global | Within India |
Entry Fee | Entry fee has to be paid | Entry fee has to be paid | Free |
Contactless payment | Visa payWave | PayPass | RuPay Contactless |
Operating Costs | Comparatively higher service charges | Comparatively higher service charges | Lesser service charges as every transaction is done within India |
High | High | Low | |
Usage | Can be used at international level transactions | Can be used at international level transactions | Domestic use |
Quarterly Fee Payment | Yes | Yes | No |
Security | Risk of data theft is high | Risk of data theft is high | Comparatively more secure |
Insurance cover | On select cards | On select cards | On all cards |
Fuel surcharge waiver | On select cards | On select cards | 1% on all cards |
Range of banks | No small banks on the network | No small banks on their network | Offered by public sector, private sector, rural, and cooperative banks |
Cashback on utility bills | Reward points on most cards | Reward points on most cards | Limited cashback on all cards |
Top Banks and The Visa Credit Cards available in India
Bank | Visa Credit Cards in India |
HDFC Bank | HDFC Regalia Credit Card HDFC Millennia Credit Card HDFC Moneyback Credit Card |
Kotak Mahindra Bank | Kotak Bank Chip Card Royale Visa Credit Card Kotak PVR Gold Credit Card Kotak PVR Platinum Credit Card Kotak Delight Platinum Credit Card |
ICICI Bank | Amazon Pay ICICI Credit Card MMT ICICI Bank Signature Credit Card ICICI Coral Contactless Credit Card |
SBI Card | SBI Card ELITE Cashback SBI Credit Card SBI BPCL Octane Credit Card |
HSBC Bank | HSBC Visa Platinum Credit Card HSBC Smart Value Titanium Credit Card HSBC Cashback Credit Card |
Standard Chartered Bank | SCB Manhattan Credit Card SCB EaseMyTrip Credit Card SCB Platinum Rewards Credit Card |
FAQs Of Visa Credit Card:
1. Which card is best? Rupay or Visa?
This depends on what transaction you are using the card for. For domestic use, Rupay credit cards are the best option. Data is processed within the country and it takes lesser time. Whereas with Visa and Mastercards, the data is sent to servers outside India, and this increases the processing time. So, for domestic use, RuPay cards are a better option than Visa or Mastercard. However, Rupay credit cards do not have global acceptance. They are only accepted by domestic payment gateways. But with Visa credit cards, customers can make transactions domestically as well as internationally.
2. How does a Mastercard differ from Visa?
The difference between a Visa and Mastercard is very minor from the customer’s point of view. Both are secured and universally accepted payment methods. The only real difference between the two is in relation to the payment network on which the card works. In other words, a Mastercard cannot work on the Visa network while a Visa card cannot work on the Mastercard network.Other differences like fees, rewards, other benefits, and offers depend on the card variant.