Can you tell me whose Credit Card offer much facility ICICI (Industrial Credit and Investment Corporation of India) or Citibank in India as I am very confused about it?

Selecting the right card is very important. A wrong choice of a credit card may result in a lot of hassles subsequent handling and using the card is concerned.

Most of the people who apply for a credit card in India, do not pay much attention at the time of taking the card, and later get frustrated by the card itself for various reasons high bad customer service , hidden charges and several other factors.

Credit Card Features

• Credit Limit –
The primary point to refer is the credit limit that would be required.
It is only then that a proper comparison can be done of all the banks who are offering cards in that category of credit limit.

• Credit Time Offered –
It is an important aspect of credit card transactions.
There are certain banks that do not offer additional credit time apart from their standard issuance dates.
It may be accordingly suitable or otherwise for different people.

• Rate of Interest –
Rates of interest for credit cards vary from each other on ground of different credit limits and credit periods.
They may also vary from bank to bank.
There are banks that do not charge any interest when the payment is made in the first payment date itself.
However there are rigorous interests that are charged when a cardholder fails to make the same and is regarded as a defaulter.

• Eligibility Criteria –
There are banks that are very stringent in their policies.
They are very selective about the personal and professional background of the credit card applicant.
This may not always be seen as a positive thing by an applicant.
It may create apprehensions in their minds about future difficulties in transactions with the bank.

• Acceptance of the Card –
It is safe to check the popularity or even the acceptance rate of a card before opting for it.
It is safe to find out if the card will be accepted at the places where maximum transactions are done.

Best & Worst Credit Card in India as per Survey