CreditCards... which of them is da best?

Atlast... I'm back... but... a doubt to b cleared first... Non-tech one... guyz...

Q 4 those in India...

I'm lookin forward for the best credit card services in India.... which one should i take... have a citibank... lookin forward for no processing fee.. low interest... no jhanjhat... type credit card...

How's Deutsche Gold/Pt... processing fee? What 'bout ICICI... SBI... others.... any hidden worms anywhere...?

abey kahan chala gaya tha sab ko chorke

maine socha tu toh.... chal chor welcome back

Welcome back Superman :))

You can opt for ICICI . It's good with no hidden terms and condition.

Dont go for ICICI (personal View, recently closed one of my account)

anand1 said:
You can opt for ICICI . It's good with no hidden terms and condition.

LOL....but I have heard ICICI has many hidden charge

yes they do have, & if their is no Transaction or bal below 10k (dont remember exactly) they charge for it.

Well as some have remarked above.......Sab Chor Hai
I have Citibank, good facilities in online banking (credit card).

anand1 said:
You can opt for ICICI . It's good with no hidden terms and condition.

They might not have hidden terms but they do have (un)-hidden Goondas willing to do anything to get the money back!

Private banks will stop at nothing to get their money back, in this country if you want to be safe, go for national banks like SBI.

Cyrus_the_virus said:
They might not have hidden terms but they do have (un)-hidden Goondas willing to do anything to get the money back!

Private banks will stop at nothing to get their money back, in this country if you want to be safe, go for national banks like SBI.

They have got so called agents(gundas).Aur bhai bina pooche bahut dhulaai karke jaate hai woh.

hates ICICI for their Goondayism.even i saw a man protesting infront of HDFC cochin branch as they send "Recovery agents aka Gunda log" and threatened him to pay back.

My Idea-always stick with ur state's State Bank or SBI.for eg:I stick with State Bank of Travancore,subsidiary of SBI which is approachable by farmers and Elites with same respect.also they gave most of the facilities new banks offer and are core-banking enabled.

these new gen banks meant crap for us farmers and other small enterprises owners.they sucks the last drop of blood out of you.

Get urself a PNB(punjab national bank) card or a SBI card rather than going for that ICICI(looters!)
for getting new facilites and night banking,ICICI have another face -a villain for loan takers(vehicles esp).

Haf had a bad experience with all other Credit Cards but ICICI. Am happy with it.

infra_red_dude said:
Haf had a bad experience with all other Credit Cards but ICICI. Am happy with it.

hmm lagta hai paise time pe dete ho.

hmm... hi... Third Eye...gaurav_indian... vish786.... & tnx guyz... but still no conclusion... what about deutsche.. guyz? any users...

I don't know about the others, but ICICI is the ratz. Loads of hidden charges, awful customer service (just go to close an account and see the grumpy faces. They wouldn't give me a pen!), and spamming.

T

ABN AMRO if you are ready to pay annual fee of around Rs. 700 including tax. Citibank if you want no charges to be paid

I hv HDFC Gold credit card(Lifetime free) I think it's one of the best..I get charged only when I use it..If i pay the due within the due date then nothin else..u r releived..Personally I prefer payin the due's within the due date or atleast the minimum due's.

I also hate ICICI, SBI. I applied for lifetime free deutsche CC but got rejected when failed to attend their verific cal frm pune.

Now hv applied for Barclays(Lifetime free) Hope it satisfies me like HDFC.

Note - My frnd has deutsche, but we applied for it due to CC design..Selectin our design.

B

any reviews on HSBC?

go for SBI ! its the best !!

or u can try StanChart ! its also v.good !

Guys i currently need to get a credit card.i have a debit card from icici
As all know,yöü cant use it over the net..so i am a college student, and want to get a card.
Which one shall i opt for.i also here that credit card are not easily issued,is it so?
What should i fulfil to get a card-
And also can i set my withdraw limit to say 5k?
Coz i will be doing many online buying ,so i think if there is a option to do this, it will prevent from any mishap..
Coz rarely i may use upto 5k..
Please help.
Thanks a lot in advance

icici bank asks to have minimum RS 20000 in your account to get a credit card

is there any other bank with less minimum amount or no minimum amount necessary for credit card

clmlbx said:
icici bank asks to have minimum RS 20000 in your account to get a credit card

is there any other bank with less minimum amount or no minimum amount necessary for credit card

Try BOB card........... bank of baroda.
i think U even don't need any account to have a BOB credit card.

If you are a student..than there is special annual charge free credit card.
Find more here:
www.bobcards.com

dreams said:
I hv HDFC Gold credit card(Lifetime free) I think it's one of the best..I get charged only when I use it..If i pay the due within the due date then nothin else..u r releived..Personally I prefer payin the due's within the due date or atleast the minimum due's.

I also hate ICICI, SBI. I applied for lifetime free deutsche CC but got rejected when failed to attend their verific cal frm pune.

Now hv applied for Barclays(Lifetime free) Hope it satisfies me like HDFC.

Note - My frnd has deutsche, but we applied for it due to CC design..Selectin our design.

han han jara hdfc ka site par ja kar ache se pura funda clear karo n then we wil see ki kitna hiden charges hai usme.

DONT GO FOR HDFC AT ALL.my father is in SBI n he showed me all those hidden charges of hdfc.

i dont hav any idea abt credit cards but dont go for hdfc.

clmlbx said:
icici bank asks to have minimum RS 20000 in your account to get a credit card

Really!!!!!! I have an ICICI credit card too, and I DO NOT HAVE and account with them

For credit card, bank account in that bank is not required, I have HDFC and citibank card, and no account in those bank.

@clmlbx

While the BANK issue a credit card, they look for a lot of things - like whether the person wil lbe able to pay the amount, how much he earn, whats his profession, howz the bank statement etc etc. And if they do not find much supporting things, they will suggest us to deposit some amount in the bank, but that is not the same in all cases.

For example, if you are working for some MNC or very reputed company, they will not check much, they will give you CC very fast.

Bank account is also not a must for getting CC, but as I mentioned above, sometimes they change the criterea and ask us to open an account.

Actually you SHOULD NOT take a card from your bank. They tie it to your account and bill you without asking, arbitrary charges. So you get billed first, then fight later.

din said:
@clmlbx

While the BANK issue a credit card, they look for a lot of things - like whether the person wil lbe able to pay the amount, how much he earn, whats his profession, howz the bank statement etc etc. And if they do not find much supporting things, they will suggest us to deposit some amount in the bank, but that is not the same in all cases.

For example, if you are working for some MNC or very reputed company, they will not check much, they will give you CC very fast.

Bank account is also not a must for getting CC, but as I mentioned above, sometimes they change the criterea and ask us to open an account.

YOU MAY BE RIGHT , I JUST TURNED 18 AND OPENED AN ACCOUNT .

I AM A STUDENT .SO THEY ASKED ME FOR MINIMUM BALANCE .

Guys...I am a 19 years old boy...wishing to have one credit card from india.....but I am in bhutan right now....how and which one should I go for...I went thru this forum from start but came with no conclusion....

Try this link:

*www.ashishmehta.com/blog/2006/09/25/its-pouring-credit-cards-but-be-careful/

many have discussed their card experiances.

posted without permission. let me know should i need one.

Go for ICICI Bank Card
as per my experience its the good till date

satyamy, how can I make account yaa.....and hailgautam...I need one but how......let me know....

bhutanesedude said:
Guys...I am a 19 years old boy...wishing to have one credit card from india.....but I am in bhutan right now....how and which one should I go for...I went thru this forum from start but came with no conclusion....

huuummmm

If you are from Bhutan how can you get CC from INDIA
which countries citizen ship you have ?

also I am from INDIA and and INDIAN Citizen, but it took 15 days and they verified my address 2-3 times by visiting my address i have given to them

So inshort You cant get a CC until you reside in INDIA

you can get a CC From any Bhutan Bank

satyamy said:
So inshort You cant get a CC until you reside in INDIA

you can get a CC From any Bhutan Bank

Well...I don't know about citizenship but, for information of all visitors, we do not credit card service in Bhutan...so I am looking from somewhere nearby Bhutan which is India....

bhutanesedude said:
Well...I don't know about citizenship but, for information of all visitors, we do not credit card service in Bhutan...so I am looking from somewhere nearby Bhutan which is India....

mail you query to icicibank
*infinity.icicibank.co.in/web/emailus/jsp/emailUs.jsp

may be they can help you

afaik SBI and all have overseas branches.dont know if it is there in bhutan.
wait!ur country's banks now have CC's.
*www.bhutannationalbank.com/credit_cards.htm
^but their conditions :shock:

Deutsche bank card members? dreams... ur friends experience?

I have a Deutsche Bank credit card...and till date I have no probs with it. I got that easily too (I applied for it bcuz of Sania's pic on it)...

ICICI and SBI have appeared on news for using goons as recovery agents. I would suggest do not go for them. None of the credit cards require you to have a bank account with them (so minimum balance thing is not for real).

I have ABN AMRO card too. But the only prob is their rate of interest is too high (if you miss payment) and another thing, their marketing executives will make your life hell. I get around 3-4 calls daily from their Delhi office and I am really pi**ed.

Deutsche and ABN Amro cards are Master Cards. Having an ICICI (Visa) card will be helpful. One of my close friend is using ICICI Platinum card. He is very happy with it.

+1 for SBI

A

I am a Student 19 yrs.. Can I also have a Credit Card. I searched at ICICI's site. Their T&C were minimum age 21yrs.. is it for all the banks ? Is there any other way to get a CC on my own name ??

as some one said try out the BOBcards ...

*www.bobcards.com/nextgen.htm

A

shyamno said:
as some one said try out the BOBcards ...

*www.bobcards.com/nextgen.htm

I am interested in ICICI or HDFC cards.. they provide lot of offers.. That's why I wanted them..

A

I have a HDFC Silver credit card which I got with my HDFC salary account.
I have this card from the past 4 years.
That time my salary was Rs 7000 and hence I got a credit limit of only Rs 12000. I have not had any problems with the card.
I use the card and pay the bill before the due date.
The thing is that now I am earning around 25-30 K but my credit limit is still Rs 12K.
This is ridiculous.
I am going to dump this card as I am getting offers from ICICI, Citibank etc for a gold card with 60-80 K credit limit.
I have one question.
My current statement shows I have earned some 900 odd reward points till this date.
What are these reward points?
Will they expire after Dec31?
I want to avail any possible benefit from them before I dump this HDFC card.

HDFC subscribers! Do you have any clues?

A

Bump...

I am going to dump this card very soon.
Right after I get the statement for the current billing month.

Someone please tell me what can I do with these reward points.
I have app. 900 odd of them.
Please does anyone know what to do with these 900 reward points cos they will go waste soon.

I am very satisfied with HSBC Gold CC

@ amit you can get a gift voucher for Rs. 750 or so with those points..

Go For SBI Credit its the Best

I hav bad experience with UTI Bank CC (the s**t bank)

Hi,

I have been using credit cards for almost 1.5 years after getting a job. Initially I got a gold credit card from HSBC. The service was good but there were not many offers available on that card. Around 1 year ago, I started using SBI gold credit card and till date I have not used any other card. The SBI credit card is really good, the service is excellent and you get to speak to the customer care number without any waiting.

Also they give frequent offers on card usage. One that was most convenient for me was to pay in 3 equal installments the amount used for purchasing my laptop. They did not charge any interest and only some processing fee of around 300/-. Also recently, they have upgraded my gold credit card to a platinum one.

All in all, I would suggest that if you are looking for good service, then go for SBI credit card. Also my advice to all card users, please treat your card the same way you treat your cash and make sure to clear all you dues every month. This way, you will save a lot of interests and will be an efficient credit card user.