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  • Category: Deals & Discounts

    Which bank provides good credit card facilities with great offers?

    Want to know about the banks providing good credit card facilities? Read this thread to know about the best credits card facilities provided by best banks.

    Today Online websites are getting more and more attention due to huge deals and discounts related to credit cards and its use. Lot of banks provide credit card service. I do not know, which one to use? Which private and government sector bank provides great credit card service with lot of deals associated with it?

    How is credit card given by SBI as compared to private sector banks like ICICI, HDFC, Standard Chartered bank, AXIS and Yes Bank?
  • Answers

    2 Answers found.
  • All credit cards have almost similar set of rules. Service charges are almost equal across all service providers. Please note that there is nothing like the best credit card. However you can compare different cards on the basis of following points-
    Joining fees - Most of the banks waive off joining fees under specific conditions. If you are paying joining fees make sure they are lowest.
    Annual fees - This is the fee you pay per annum for the services of credit card. Joining fees and annual fees are waived off during first year, but you need to pay it from second day year onwards. The annual fees are higher for Ards offering some additional services. Select a card that is enough for your needs.
    Reward points - If you are a frequent flier by air, go for a Co branded card. Do same if you are a regular at a particular store. This will give you better reward points that will help you encash at the corresponding stores .
    Interest on credit - Almost all credit cards offer similar rate of interest. Pay attention to the credit free period. Remember credit cards are not suitable for long term credit facilities.
    Terms and conditions - Please note that no matter what your agent promises you about the facilities, it is not worth it if you do not have it on record - either in rule book or in email. If you get such promises, make sure that you get them in writing.
    Hope I have helped you in your query satisfactorily. Please remember that every person has different set of preferences in choosing a credit card. So there cannot be a best credit card that would be the best for everyone. .

    Live....and Let Live!

  • CitiBank Credit Card Offers :
    1. Easy EMIs on your Citibank Credit Cards For Online Purchasing.
    Interest Rates:
    3 Months - 12% per Year
    6 Months - 12% per Year
    9 Months - 15% per Year
    12 Months - 15% per Year
    18 Months - 15% per Year
    24 Months - 15% per Year

    2. Nice and money saving offers on Shopping on retail outlet on selected brands.

    3. Citibank e-Privileges
    10 miles on spend of Rs 100 on PremierMiles credit card
    10 points on spend of Rs 125 on Citi Rewards card
    4 points on spend of Rs 150 on IndianOil Citibank credit card

    4. Dining offers from restaurants in the City

    5. Earn great rewards on your Citibank Credit Cards.
    Earn 10 Reward Points for every Rs. 125 spent on Citibank Rewards Cards with

    So you see how much citibank gives you on using your Credit Card. So go with CitiBank Card.

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