Introduction:
Whether you are looking for traditional benefits or premium #CATEGORY_TYPE, there is a Visa card for you. Visa Credit cards give you the convenience and security to make purchases, pay bills, or get cash from over 2 million ATMs worldwide. Whenever you use a credit card, you are actually borrowing money that you will pay back over time or in full. In addition to flexible payment options, credit cards can offer travel #CATEGORY_TYPE, cash back, or other benefits. Visa Credit Card also has a built-in contactless chip which makes transactions quicker and safer at any retail outlet. In fact, the chip-card has been securely compartmentalised in a manner that greatly reduces the risk of fraud, thereby protecting you from it in the process.
As far as the benefits are concerned, it has a #CATEGORY_TYPE program that is powered by payback. The reward points are also redeemable for exciting gifts and vouchers. It also has a fuel surcharge waiver scheme, and a minimum of 15% discount in dining at over 300 restaurants, thanks to their Culinary Treats program.
Why Visa Credit Cards?
So if you are in a city like Jabalpur and all that you want to do is to explore the city to its fullest extent, you can rest assured on your Visa Credit Card as it would make it easy and convenient to get the most out of your Jabalpur experience without caring about carrying hard cash or not having enough money to pay off the expenses that you would incur on soaking in the essences of Jabalpur. Credit cards are classified in accordance to the various added benefits it fetch along with serving it͍s key purpose- to ease the burden of carrying cash while travelling. Credit cards are thus categorized into segments ; the Visa ones fetch more added benefits to the user than a normal one. Also the credit cards belonging to the Visa series have global acceptance. So as to say, a tourist from Alabama could easily purchase stuffs from a departmental store in Jabalpur, using the Visa credit card. The benefit of a Visa credit card is not only limited to it͍s easy usage anywhere on this big round globe, rather it comes with a wide array of added benefits such as assured cash back on #CATEGORY_TYPE, deduction in the dining bill, and gradual increase of the credit limit with time. Thus the introduction of credit cards, especially the Visa ones has not only eased travelling, #CATEGORY_TYPE, dining in its entirety, but it has also opened newer pastures for trade and commerce.
Benefits of Visa Credit Cards
Visa Cards are customised according to the user_??s requirements and offer an exclusive lifestyle to users. Visa Cards are accepted globally and travellers can contact the 24/7 Global Customer Assistance Service from any corner of the globe to get a card replaced and for availing cash during emergencies. The 24/7 Concierge offers assistance on flight bookings, hotel reservations, etc. Infinite members can enjoy an array of offers, deals and discounts on dining, #CATEGORY_TYPE, travel, entertainment, golf and lifestyle from Visa when they transact using their cards. Accepted around the globe, the Visa Card can be used at over 1.9 million ATMs across the world. Customers can also get complimentary Visa lounge access across various airports in India.
Apply for best Visa credit cards in Jabalpur
| Different Types of Credit Cards and Types | Joining Fee | Annual Fee |
|---|---|---|
| ICICI Bank™ HPCL Coral Credit Card | 199 | 199.00 |
| SimplySAVE SBI Card | 499 | 499.00 |
| SimplyCLICK SBI Credit Card | 499 | 499.00 |
| FBB SBI STYLEUP Contactless Card | 499 | 499.00 |
| Manchester United ICICI Bank™ Platinum Credit Card | 499 | 499.00 |
| BPCL SBI Card | 499 | 499.00 |
| IRCTC SBI Platinum Card | 500 | 300.00 |
| MakeMyTrip ICICI Bank™ Platinum Credit Card | 500 | 0.00 |
| HDFC Bank Moneyback Card | 500 | 500.00 |
| HDFC Bank Snapdeal Credit Card | 500 | 500.00 |
| HDFC Bank Jetprivilege Platinum Credit Card | 1000 | 1000.00 |
| Air India SBI Platinum Card | 1499 | 1499.00 |
| Manchester United ICICI Bank™ Signature Credit Card | 2499 | 2499.00 |
| MakeMyTrip ICICI Bank™ Signature Credit Card | 2500 | 0.00 |
| HDFC Bank Regalia Credit Card | 2500 | 0.00 |
| HDFC Bank Jetprivilege Signature Credit Card | 2500 | 2500.00 |
| SBI Card Prime | 2999 | 2999.00 |
| Air India SBI Signature Credit Card | 4999 | 4999.00 |
| SBI Card ELITE | 4999 | 4999.00 |
Chqbook Review
Air India SBI Platinum Credit Card is the best option for frequent international commuters as it is globally accepted and does not exorbitant fees as overseas charges. Air India SBI Platinum Credit Card is an immensely rewarding card that enhances the shopping experience of customer. The bounty of additional features makes this card profitable for transactions and the distribution of points makes your shopping experience a gratifying one. One can collect reward points so as to receive exciting gifts and products from upscale stores. The Emergency Card facility will lend you the security and ensure that you get a new card in case of a loss or theft of the original card
PROS
- When you sign up for Air India SBI Platinum Credit Card, you get a welcome freebie coupon for ₹3000
- You will gain reward points for spending in international travel, supermarkets, restaurants etc.
- You will gain reward points for spending in international travel, supermarkets, restaurants etc.
- You can access entry to around 200 golf courses in the world as a complimentary gift
- Gets free access to airport lounge using Priority Pass Program for nominal fees
- Email alerts, SMS and monthly statements will ensure that you have the updates of your performance and transactions of your card
- If your expenditures exceed the limit five lakh rupees every year, you win a free domestic air ticket (one-way)
- Use your Air India SBI Platinum Credit Card for more than a year and kickstart the next year with an anniversary gift coupon worth ₹ 3000
- You can use your SBI Card account using net banking with ease
- Alerts to ensure that your utility bills are paid on time which will also gain more reward points.
- Alerts to ensure that your utility bills are paid on time which will also gain more reward points.
- The Air India SBI Platinum Credit Card has the Easy Money Facility
CONS
- The Air India SBI Platinum Credit Card doesn't offer complimentary golf games either in India or abroad. Therefore, people who prefer to get golf privileges along with their travel cards should consider some other card
- The Air India SBI Platinum Credit Card does not have any dining offers. Many other travel cards offer rebates as well as dining privileges at popular restaurants
- The rewards program and redeeming of points for miles is only applicable for Air India flights. It implies that you shall not be able to avail of any benefits through your Air India SBI Platinum Credit Card if you want to travel by any other airlines
- While the Air India SBI Platinum Credit Card offers fairly decent reward points but there are other cards also which proffer better reward points
Chqbook Review
Free annual membership fee to those registered with Air India Frequent Flyer Program with returns. If you are on lookout for a card abounding in discounts, multiple offers and exciting deals, Air India SBI Signature Credit Card is your perfect choice. It offers optimum reward ratio to its clients. The card is ideally designed for frequent commuters to make their domestic and international travels reasonable without compromising on the quality of travel.
PROS
- Enjoy cover on the lost card of ₹1 lakh. This cover is applicable from the period of 48 hours before reporting of loss till 7 days after intimating the concerned authorities with the loss
- Access cash from over 1 million Visa ATMs all over the world incorporating over 18,000 Visa ATMs in India. You can also withdraw cash from 10,000 State Bank of India ATMs in across 100 cities in India
- Get exemption on 1% fuel surcharge with your Air India SBI Signature Card, across all petrol pumps
- Purchase fuel worth ₹ 500 to ₹ 4,000, to avail this benefit. Get maximum surcharge waiver of ₹ 250 on each statement cycle. Taxes are applicable as per the regulations
- Acknowledged at over 2 million Visa centers worldwide and over 2,85,000 centers in India
- Avail for additional benefits by opting for add-on cards for your family members who are above the age of 18
- Your Air India SBI Signature Card is enabled with chip and pin security strengthening you with state-of-art security against fraudulence and scheming
- Easy Bill Pay facility on your AIR India SBI Signature Credit Card helps you to pay your telephone, electricity and other bills on time
- Make any purchase worth ₹ 2,500 with Flexipay or more and log on to the official website of SBI within 30 days to convert your purchase into Easy Monthly Installment
- Transferring the balance amount through EMI
- You can transfer the balance of other bank's credit cards to your Air India SBI Signature Card, to get a reduced rate of interest and pay back in EMIs
- You can get a draft or cheque with the Easy Money feature against your cash limit and have it delivered to your address
- You can book railway tickets online with your Air India SBI Signature Card without any hassle
- You can replace your Air India SBI Signature Card anywhere in the world
- You can choose from three different types of Insurance covers with your AIR India SBI Signature Credit Card which enables you to tackle accidents, health issues, card loss, loss of the card or theft and more
- With AIR India SBI Signature Credit Card, you can have steady inflow of cash and also encash up to or above your credit limit. Thus you are always geared up for any kind of emergency
CONS
- The AIR India SBI Signature Credit Card may not be the best option if you are not a regular passenger of Air India as this card doesn't offer benefits to the commuters through other airlines.
- A usage fee of up to ₹7 will be charged to your AIR India SBI Signature Card each time on visiting a Priority Pass member lounge.
Chqbook Review
The BPCL SBI card offers a multitude of saving schemes best suited for a common man who has to spend a lot on fuels for his daily job
PROS
- WELCOME GIFT: At the very onset, a user is greeted with a whopping 2,000 reward points! This lavish surprise comes as an activation bonus and welcome treat. Practically speaking the reward points amounts to ₹500, which can be redeemed anytime as per your convenience at the select BPCL outlets against petrol transaction.
- WELCOME GIFT: At the very onset, a user is greeted with a whopping 2,000 reward points! This lavish surprise comes as an activation bonus and welcome treat. Practically speaking the reward points amounts to ₹500, which can be redeemed anytime as per your convenience at the select BPCL outlets against petrol transaction.
- GLOBAL ACCEPTENCE: Secondly the BPCL SBI card is accepted throughout the wide globe. It is an international card like the visa ones, opening up a borderless world in front of you. You can use this card to transact in any of the 24 million stores scattered throughout the globe, including 3.25 lakh select stores in India.
- EASY BILL PAYMENT: The users of the SBI BPCL card can utilize the Easy bill pay feature to pay various important bills such as internet, electricity, telephone effortlessly.
- EASY BILL PAYMENT: The users of the SBI BPCL card can utilize the Easy bill pay feature to pay various important bills such as internet, electricity, telephone effortlessly.
- EMI BALANCE TRANSFER: A BPCL SBI card holder is offered with the option of transferring his due EMI'S into their BPCL card, and repay in easy monthly instalments, at a lower interest rate. The facility can be availed by net banking or by informing the customer care.
- EMI BALANCE TRANSFER: A BPCL SBI card holder is offered with the option of transferring his due EMI'S into their BPCL card, and repay in easy monthly instalments, at a lower interest rate. The facility can be availed by net banking or by informing the customer care.
- EASY REPAYMENTS: using the flexi-pay option the BPCL SBI card holder can easily repay their transactions.
- EASY REPAYMENTS: using the flexi-pay option the BPCL SBI card holder can easily repay their transactions.
- ADD ON CARDS: another prime benefit that you will get while using the BPCL SBI card is availing the add-on cards for free. Family members of the original card holder (must be above 18 years of age) can easily avail the add on cards.
- EASY MONEY: Another ground breaking feature of the BPCL SBI card is the easy money feature which you can avail quite easily. To begin with the scheme is quite simple- just converting your cash limit into actual cash using net banking. The same thing can be done by requesting a draft or cheque as well, which will be delivered to your address.
- FUEL SURCHARGE WAIVER: as a BPCL SBI card holder you are entitled to a surcharge waiver of 1% up to 4000 thousand rupees. In this scheme you can effectively waive ₹1200 annually.
CONS
- As the BPCL SBI card is essentially formulated to ease the burden of fuel costs, which seriously bothers a common man, it hardly takes care of the other aspects such as entertainment and luxury. Thus benefits in those fields are limited to a large scale
Chqbook Review
One of its kinds, the FBB SBI STYLEUP CONTACTLESS CARD is the ultimatechoice for the metro crowd. It not only helps to avail all that a metro city offers, but at the same time never weights heavy on the wallet
PROS
- You can always have your hands on ash, with over 24million ATM kiosks falling under the grid
- The easy pay facility of the FBB SBI STYLEUP CONTACTLESS CARD makes sure that you never miss a payment of your utility bills such as insurance, internet, telephone and so on. Moreover you can pay all of them at zero additional charge
- The FBB SBI STYLEUP CONTACTLESS CARD comes with flexi pay option, which enables you toconvert all your transaction into easy monthly segments
- The balance transfer option of the FBB SBI STYLEUP CONTACTLESS CARDenables you to transfer any other outstanding creditcard balance to your sbi card. And then on you can repay them under easy installments and lower rate of interest
- With the easy money facility towed with the card, you can always have money when you need. This facility you can get a draft or cheque against your credit limit
- The FBB SBI STYLEUP CONTACTLESS CARD is undoubtedly a global creation. You can use this card anywhere across the world, with over 24million stores falling under the grid
- There are over 3.25 lakh stores in India, from where you an avail immense discounts and other facilities using this card
- You an avail add-on cards for member of your family, given the fact he or she is above 18 years of age
- The card comes with an impressive replacement facility. It means that even if you lose your card in a foreign country, you will get an easy replacement. The 24X7 helpline is always at your service for emergency card replacement
- The card awards you a 10X reward point on all spending at Big Bazaar, fbb and Food Bazaar, along with the dining spending as mentioned earlier
- With the card, you can avail an anniversary gift of 2000 bonus points every year, which is redeemable at the fbb, Big Bazaar and Food Bazaar stores
CONS
- As the FBB SBI STYLEUP CONTACTLESS CARD ispivoted more towards fashion spending and urban usage, it is a bit weak for heavy daily usage. Although it has got a global footmark, yet its features might seem limited to a seasoned traveler
- The card lacks even in the domestic cluster in features such as domestic travel, airfares and so on. Health facility is also not well covered
Chqbook Review
Fly FREE faster with the best airline co-brand card offering exclusive travel privileges
PROS
- You will get a complementary waiver on base fare on ticket booked through www.jetairways.com (On card fee realization)
- Get a discount voucher of ₹750 on booking a return ticket on www.jetairways.com
- You can redeem JPMiles on Amazon , Flipkart, Free Flights & Fuel at select IOCL outlets
- You can get 5% instant discount on domestic ticket bookings @ jetairways.com
- Enjoy 2 lounge accesses at domestic airpots per quarter via Visa lounge access program
CONS
- No discount on movie tickets - everybody loves to watch movies. A discount or free movie tickets would have made this credit card a complete package
- Per quarter 3 lounge access seems be less for frequent flyers
Chqbook Review
Fly FREE faster with the best airline co-brand card offering exclusive travel privileges
PROS
- You will get a complementary waiver on base fare on ticket booked through www.jetairways.com (On card fee realization)
- Get a discount voucher of ₹750 on booking a return ticket on www.jetairways.com
- You can redeem JPMiles on Amazon , Flipkart, Free Flights & Fuel at select IOCL outlets
- Get 5 international lounge access perquarter via Priroity Pass Membership
- Enjoy 4 times lounge access at domestic airpots per quarter via Visa lounge access program
- Earn 1 JP tier point on every ₹2,00,000 retail spend
CONS
- No discount on movie tickets - everybody loves to watch movies. A discount or free movie tickets would have made this credit card a complete package
Chqbook Review
Enjoy cashback on your everyday spends. Redeem reward Points for cashback.
PROS
- HDFC MoneyBack Credit Card allows you to earn money while you use the card for purchases. You earn accelerated rewards on online spends and redeem the same for cash
- On minimum 4 transactions using Credit card every month , you get : Free Accidental Death Insurance upto 50Lakhs* Free Fire and Burglary protection for goods above ₹5000 for 180 days
CONS
- First year membership fee is ₹500 but you get 500 RP on card fee realization
Chqbook Review
Enjoy a host of special rewards, discounts and benefits with the complimentary Taj Epicure plus Membership Card.
PROS
- The HDFC Bank Regalia Credit Card literally pays for itself – this is true Value for Money and it gives you something back on almost every transaction
- We love the 2 free domestic lounge visits a quarter – and the 6 free international lounge visits per year
- The Rewards story is very strong – and getting ₹0.60 for each Reward point is great
- Post GST – this card still gives the 1% fuel surcharge waiver. Go for it.
CONS
- If you use the HDFC Bank Regalia Credit Card for Priority Pass™ access to International lounges more than 6 times a year – there's a ₹27 fee
- The Vistara Airlines™ Silver membership is valid for one year only – after that, its Upto Vistara™ to renew it based on your usage
Chqbook Review
Enjoy CashBack on everyday spends only with Snapdeal HDFC Bank Credit Card
PROS
- Get Snapdeal vouchers worth ₹2000 within 30 days of card setup date
- Save with flat 5% discount & 10X Reward Points for spends on Snapdeal.com
- You can earn 10X Reward Points (20 /₹150) on your spends at Snapdeal.com & 2 Reward Points for other retail spends
- You can redeem your Reward Points at Sanpdeal.com – (1 Rward Point = 0.5paise)
- Get Fuel surcharge waiver of up to 1%
CONS
- HDFC Bank Snapdeal Credit Card doesn’t come with the benfits of the lounge access
- Everybody loves to save at dining bills. Unfortunately HDFC Bank Snapdeal Credit Card can help you earn rewardss, but no discount
Chqbook Review
The ICICI Bank™ HPCL Coral Credit Card is one of the cheapest cards you can get. With a fee of ₹199, and a cashback every time you fill fuel at a HPCL pump, you will recover this small amount very quickly. You also save on the 1% surcharge every time. We think this is one of the best Credit Cards to take if it's your first credit card.
PROS
- This is a great credit card to start out with – the low fee of ₹199 + GST is easily recovered
- We like that you can earn Payback™ points on the credit card. These can be clubbed with other Payback™ points on other cards you might have and used together.
- Getting free movie tickets is always great – ₹100 off each time twice a month is just superb. That's a saving of ₹2400 per year!
- Save a minimum of 15% on your dining bill at participating restaurants through the ICICI Bank Culinary Treats programme.
- You also get 2.5% cashback every time you fill fuel at an HPCL pump for more than ₹500 each time
- Not only that, you also get the 1% surcharge on fuel transactions waived off for a maximum single transaction of ₹4000
- Just ensure you spend ₹50,000 or more annually on your Card and ICICI Bank will reverse your Annual Fee (₹199) for that year.
CONS
- The ICICI Bank HPCL Coral Credit Card does not provide statement credit – a feature we would have loved to see in this economical credit card
Chqbook Review
The SBI IRCTC Platinum Credit Card has been expressly designed for users so as to address the specific needs and preferences in travel and lifestyle. The SBI IRCTC Platinum Credit Card adds an aesthetic touch to the users’ regular expenditure and travel bookings. The SBI IRCTC Platinum Credit Card brings the unique blend of conveniences and privileges which includes 100% value pack on the AC Ticket fare as railways points and complimentary membership to Shubh Yatra Scheme for regular traveler’s et al
PROS
- Facilities such as Flexipay help you with easy money and transfer of balance amount or automated payment of bills. Convert your transactions in monthly installments with Flexipay. Just transact for ₹ 2,500 or more and log on to the official website of SBI within 30 days of purchase to convert it into Flexipay
- The SBI IRCTC Platinum Credit Card has exemplary reward packages for its customers. Buy tickets through the official website of IRCTC for AC1, AC2. AC3 and AC CC and gain upto 10% Valueback as turbo points (1 Reward Point = ₹ 1). You can also gain 1 Reward point for every ₹ 125 expended on non-fuel retail purchases, including booking of railway ticket through the official website of IRCTC
- The SBI IRCTC Platinum Credit Card holders are exempted from paying the additional charge of on 1% fuel across all petrol pumps in India, on transactions of ₹ 500 - Rs. 3,000, exclusive of GST and other charges
- The SBI IRCTC Platinum Credit Card is exclusively a travel card and has worldwide acceptance. This travel card can be used in over 29 million outlets across the globe, including 3.25 lakh outlets in India. All users need to do is to look for the VISA sign with the merchant and present their card for payment. With global acceptance, users can travel anywhere and avail all the attractive benefits and offers provided by the card
- The SBI IRCTC Platinum Credit Card is exclusively a travel card and has worldwide acceptance. This travel card can be used in over 29 million outlets across the globe, including 3.25 lakh outlets in India. All users need to do is to look for the VISA sign with the merchant and present their card for payment. With global acceptance, users can travel anywhere and avail all the attractive benefits and offers provided by the card
- As the SBI Platinum IRCTC Credit Card has universal acceptance, the card holders can withdraw cash anytime from any Visa ATM. The users have the alternative to withdraw cash from over 1.2 million VISA ATMs across the world which includes 18,000 ATMs in India. You also get access to over 10,000 SBI ATMs across over 100 cities in India itself from where you can withdraw money anytime
CONS
- Interest rate charges of SBI IRCTC Platinum Credit Card are a tad bit high in comparison to its compeers. The rate of interest is 3.35% per month (40.20% per annum)
- While the SBI IRCTC Platinum Credit Card offer satisfactory rewards, there several other cards which give you better flexibility while booking flights from any airlines and yet gain reward points