CreditCards... which of them is da best?

[koolbluez]

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...?

[gaurav_indian]

abey kahan chala gaya tha sab ko chorke maine socha tu toh.... chal chor welcome back

[Third Eye]

Welcome back Superman

[anand1]

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

[vish786]

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

[ravi_9793]

Originally Posted by anand1

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

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

[vish786]

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

[NucleusKore]

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

[Cyrus_the_virus]

Originally Posted by anand1

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.

[gaurav_indian]

Originally Posted by Cyrus_the_virus

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.

[praka123]

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).

[infra_red_dude]

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

[gaurav_indian]

Originally Posted by infra_red_dude

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

hmm lagta hai paise time pe dete ho.

[koolbluez]

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

[goobimama]

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.

[ThinkFree]

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

[dreams]

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.

[bugsome]

any reviews on HSBC?

[a_k_s_h_a_y]

go for SBI ! its the best !!

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

[naveen_reloaded]

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

[clmlbx]

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

[ravi_9793]

Originally Posted by clmlbx

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

[fun2sh]

Originally Posted by dreams

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.

[NucleusKore]

Originally Posted by clmlbx

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

[ahref]

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

[ax3]

sbi is good .......

hows dena bank ?

[din]

@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.

[NucleusKore]

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.

[clmlbx]

Originally Posted by din

@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 .

[bhutanesedude]

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....