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Best Credit Card

Discussion in 'Payment Processing' started by saurabhj, May 11, 2007.

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  1. #1
    Hello,

    I am from India and want a credit card.
    There are lots of credit card companies available here so I am confused with whom to go?

    Ppls from India,
    Please write your experience and thoughts, suggestions over here....

    Thanks in advance...
     
    saurabhj, May 11, 2007 IP
  2. sachin410

    sachin410 Illustrious Member

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    #2
    Whichever you choose, just make sure you pick a lifetime free card.

    Why should you pay an annual fee when you can get the same thing for free... ICICI would be a good choice.
     
    sachin410, May 11, 2007 IP
  3. saurabhj

    saurabhj Banned

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    #3
    ICICI is offering a lifetime free credit card?
     
    saurabhj, May 11, 2007 IP
  4. weblogic

    weblogic Active Member

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    #4
    Sure yes.
    ICICI and HDFC are the best!
     
    weblogic, May 11, 2007 IP
  5. saurabhj

    saurabhj Banned

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    #5
    saurabhj, May 11, 2007 IP
  6. saurabhj

    saurabhj Banned

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    #6
    saurabhj, May 11, 2007 IP
  7. sachin410

    sachin410 Illustrious Member

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    #7
    sachin410, May 11, 2007 IP
  8. saurabhj

    saurabhj Banned

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    #8
    I don't have an ICICI account but have an income proof.. Is that enough?
     
    saurabhj, May 11, 2007 IP
  9. sachin410

    sachin410 Illustrious Member

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    #9
    Yes that should be enough to get you a Silver card :).

    If you have more than 1 lac per year income, you can get a Gold card too.

    These are the basic eligibility criteria.
     
    sachin410, May 11, 2007 IP
  10. saurabhj

    saurabhj Banned

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    #10
    Which one good? Silver or Gold?
     
    saurabhj, May 11, 2007 IP
  11. cocaine

    cocaine Well-Known Member

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    #11
    Hello, I am in kathmandu. I am not a India citizen. Can I have a credit card or debit card from ICCI?
     
    cocaine, May 11, 2007 IP
  12. sachin410

    sachin410 Illustrious Member

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    #12
    Not much of a difference...Gold has higher credit limit and slightly lower interest rate.

    If you are eligible, then go for Gold.
     
    sachin410, May 11, 2007 IP
  13. saurabhj

    saurabhj Banned

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    #13
    Thanks Sachin for your kind help...

    What about city bank credit card?
    My friend has told me citybank also offering the life time free credit cards...
     
    saurabhj, May 11, 2007 IP
    inworx likes this.
  14. deluxdon

    deluxdon Catch Me If You Can...!!!™ Staff

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    #14
    Now a days so many banks such as HDFC, ICICI, ABN AMRO, SBI and many more offers lifetime credit cards so go with anyone whichone you like ;)
     
    deluxdon, May 12, 2007 IP
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  15. inworx

    inworx Peon

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    #15
    Go with ICICI Gold Ameruican Express Card or HDFC Bank MasterCard.

    If you're interested in Visa, then I would recommend paying a small fees and get a SBI Card.
     
    inworx, May 12, 2007 IP
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  16. saurabhj

    saurabhj Banned

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    #16
    I know that but I wanna know which one is the best ?? ;)
     
    saurabhj, May 12, 2007 IP
  17. inworx

    inworx Peon

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    #17
    Anyone is the best as you dont have to pay intereste if you credit the bank and bring your card's credited amount to zero on time.

    I would recommend you using ICICI Visa as well or HDFC Mastercard.
     
    inworx, May 12, 2007 IP
  18. deluxdon

    deluxdon Catch Me If You Can...!!!™ Staff

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    #18
    Can you tell me what do you mean by BEST :confused: (Best is which terms ??)
     
    deluxdon, May 12, 2007 IP
  19. saurabhj

    saurabhj Banned

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    #19
    Best means low charges and high benefits....
     
    saurabhj, May 12, 2007 IP
  20. sachin410

    sachin410 Illustrious Member

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    #20
    You don't have to pay any charge if you pay back the debt before due date.

    After due date, banks charge you an interest rate. The interest rates of most banks are around 3% (Monthly).

    There is not much to choose from as far as interest rates go... so you can pick up any free card that you want.

    ICICI's charges are usally the lowest amongst the private banks.

    I am not sure about govt. banks...but govt banks' charges should be even lower than ICICI.

    By charges I don't mean the interest but the fees for those who don't pay the due amount on time.

    I chose ICICI as it is close to my home and one can find an ICICI ATM/Drop box almost anywhere..:D.
     
    sachin410, May 12, 2007 IP
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