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10:25 AM
Low Interest
Intro
APR 		GoToRate Annual Fee
0%* 11.99%* None*

Balance Transfer
Intro
APR 		GoToRate (As Low As) Annual Fee
0% 11.99% (V) None

Rewards
Intro
APR 		GoToRate Annual Fee
0% on purchases 13.90% (V) None
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Find the best card for your lifestyle.

10:22 AM

Here are four of the most-common types of cards.

4 types of card
  1. Zero-or-low interest rate
  2. Rewards
  3. Secured
  4. Student

1. Zero-or-low interest rate

Best for: Anyone willing and able to pay down existing credit card debt relatively quickly.

Pros: Most cards offer the bargain rate on balance transfers from other cards. The lower rate can save you a bundle on your current interest costs.

Cons: The low rate usually lasts for only six to nine months, then reverts to something higher, usually around 14 percent to 16 percent. One late payment and the card will revert to the higher rate immediately. If you transfer a large balance but don't pay it off during the favorable rate period, you may end up with a higher rate than you had to begin with.

Find the best rate.

2. Rewards

Best for: People who make the majority of their purchases on a credit card and pay off the balance each month.

Pros: Cards offer cash back, airline miles or points toward purchasing select merchandise based on the amount you spend. Some rewards cards, for instance, currently offer as much as 5 percent cash back on select purchases with no annual fee.

Cons: Some cards have high interest rates and annual fees that cancel out the reward benefits. Other have complicated and unfavorable redemption policies. Always read the offer carefully.

Find the best deal.

3. Secured

Best for: Someone with has gotten into trouble with credit cards in the past.

Pros: Most secured cards report to the three credit bureaus, so using one responsibly can be a way to establish or repair your credit rating.

Cons: The secured part means you put down a deposit, usually between $200 and $250, with your application. Many secured cards have high interest rates and annual fees. Read the fine print very carefully.

Find the best rate.

4. Student

Best for: College students who can handle money responsibly.

Pros: Students can qualify for theses cards without an established credit rating. Many offer extra benefits such as cash back or bookstore discounts.

Cons: Some companies charge higher interest rates for students. It's easy for students who are inexperienced with handling credit cards and finances in general to rack up unmanageable debts quickly.

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How to Choose?

10:16 AM

Good financial management starts with a solid education. At LoveToKnow Credit Cards, we offer a one-stop information portal so you can make the best decisions for your financial goals.

Types of Credit Cards is a vital component to this site. Our experts do the research, make the comparisons and present the options necessary for sound financial decisions regarding the use of credit. In today’s electronic society, using credit wisely can make life easier, but not every form of credit is right for everyone.

The clear, unbiased approach of this site will hopefully help you avoid the pop-ups and cut through the clutter of offers clogging your mailbox and inbox. When you’re ready to compare the myriad types of credit card options, you’ll find them all right here.

LoveToKnow Types of Credit Cards Will Help You Decide

The choices for credit cards vary tremendously, based on user interests and specifics. A mere handful of options include prepaid, limited, no limit, merchant exclusive, business only, annual fee, no annual fee and incentive-based cards.

We hope you’ll use this site to gain knowledge about credit cards, using credit wisely, and protecting yourself from problems associated with identity theft. You'll also find information here about dealing with debt. Please feel free to leave relevant comments on any of the articles, and let us know if we can provide you with additional information.

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Comparing the various types of credit cards

10:11 AM

Card types have multiplied in recent years; find the right one for you

By Emily Starbuck Gerson and Ben Woolsey

When you look back at the history of credit cards, they started out simple and standard: Each issuer produced one card with one set of features. Today, credit cards come in multiple levels with ranging interest rates, fees and reward programs, so before you fill out an application, it's important to know which will best suit your financial situation and lifestyle.

The following is a brief description of the most common types of credit cards available.

Standard credit cards
These credit cards are the most common and are readily available from most banks and financial groups. They are unsecured, which means you do not have to put down a security deposit to prove the money can be repaid. The way the annual percentage rate is offered or calculated for these cards can vary. Here are two examples:

  • Balance transfer credit cards
    Balance transfer credit cards allow consumers to transfer a high interest credit card balance onto a credit card with a low interest rate. Typical in the market today are balance transfer credit cards with an introductory annual percentage rate (APR) of 0 percent, with that introductory or "teaser" rate lasting several months up to a year. The terms of balance transfer credit cards varies between offers, so be sure to thoroughly read the terms and conditions for each card. Compare balance transfer credit cards.
  • Low interest credit cards
    Low interest credit cards offer either a low introductory APR that jumps to a higher rate after a certain period, or a single low fixed-rate APR. Low interest cards can be very useful when consumers need make a large purchase because it allows several months to a year to pay it off with very low or no interest. Before using a low interest card, read all the terms and conditions of the introductory rate so you will not be surprised by fees or accumulated interest. Compare low interest credit cards.

Credit cards with rewards programs
Reward credit cards allow users to earn incentives for making purchases with their credit card. Points accumulate for each dollar charged on the card, and cardholders can redeem these points for various rewards. Reward cards usually require better-than-average credit for approval. There are seven major types (not including airline miles / frequent flier cards, which we'll discuss a bit later).

  • Cash back credit cards
    This type of credit card allows you to earn cash rewards for making purchases. The more the card is used, the more cash rewards you receive. Most cash back cards earn users around 1 percent of total purchases, excluding interest and finance charges. Some cards offer a higher cash back percentage with increased usage; others offer a higher cash back percentage at select merchants or for particular types of purchases. Since cash back programs are costly to credit card companies, some of these cards have an annual fee that can vary from $50 to $100. This type of card is best for people who are faithful about paying off their balances each month. If used appropriately, a cash back credit card can earn the cardholder a significant amount of money over time. Compare cash back credit cards.
  • General reward points credit cards
    Reward credit cards are similar to cash back cards in that cardholders can accumulate points toward a reward structure, which is based on how much the card is used over time. General reward cards offer cardholders a variety of items to cash points in for: gift cards, electronics, hotel stays, plane tickets, jewelry, pet supplies and more. Some rewards can be attained for 1,500 points; others cost 200,000 points. Reward programs and promotional offers often change; thoroughly review a card's terms and conditions before applying.
    Some general reward credit cards come with an annual fee ranging from $50 to $100, although most have no annual fee. Reward cards are best for people who regularly pay off their balances each month. By minimizing their finance charges, individuals will reap greater benefits from the associated rewards credit card. Compare reward points credit cards.
  • Hotel or travel points credit cards
    This is a genre of credit cards specific to hotels and travel. Some cards are co-branded with hotels, such as the Marriott Rewards Visa card, or the Hilton HHonors American Express card. These credit cards allow you to earn points for all purchases, in addition to bonus points for dollars spent on stays at the respective hotel chain. You can redeem your points for free nights and upgrades at the hotel chain your card is co-branded with.
    Then there are broader hotel and travel cards such as the Bank of America's MilesEdge Visa, with which points can be redeemed for travel, theme park admission, stays at major hotel chains and more. Blue Sky from American Express is similar -- points can be applied toward plane tickets, hotel stays, rental car use or cruises.
    Because these reward programs can be costly for credit card companies, many of these cards come with an annual fee. If you are not a frequent traveler, the annual fee may negate the benefit of the rewards earned. Compare hotel/travel points credit cards.
  • Retail rewards credit cards
    These credit cards are co-branded with a major retailer, such as Disney, Amazon.com or Best Buy. Points are accumulated by making everyday purchases, though cardholders are awarded with double or triple points for making purchases from the co-branded retailer. Reward points must be redeemed for products or services from that specific retailer. With the Best Buy MasterCard, for example, you earn up to 2 percent back from any purchase with the card, and 4 percent back from Best Buy purchases. Cardholders receive the reward money in the form of reward certificates that can be used only at Best Buy. With the Disney Visa card, points accumulate for every purchase, and they can be redeemed for Disney products or vacations. Compare retail rewards credit cards.
  • Gas cards with points or rebates
    Gas cards come in two species: general and brand-specific. General cards treat all gas companies equally, while brand-specific cards favor one gas company. The Discover Open Road card, a general gas rebate card, gives you 1 percent cash back for general purchases but rewards you with 5 percent back for buying gas or having auto maintenance done at any company. The BP Visa, in contrast, will give you a 1 or 2 percent rebate for regular purchases, but you will earn 5 percent rebate only when buying gas at BP stations.
    If you tend to be loyal to a certain gas company, a brand-specific card may benefit you, but if you tend to just stop at whichever station is closest, you may be best with a general gas rebate card. Additionally, it's important to remember that a gas company may be very popular in one state, but uncommon or nonexistent in other states, making brand-specific credit cards less than ideal for long road trips. For example, BP is a very common gas station in Florida, but there are few of them in Texas. Sinclair gas stations are in 21 states, but if you have a Sinclair MasterCard and are driving through California, you're out of luck. Compare gas cards.
  • Automobile manufacturer rewards cards
    Auto rewards cards allow consumers to earn points that can be redeemed toward the purchase of a new or used car, auto-related expenses or merchandise. With the GM Flexible Earnings MasterCard, for example, cardholders can opt for cash back rewards, or apply their earnings toward the purchase of a new GM vehicle. This card is most beneficial to those looking to purchase a vehicle in the near future. Compare auto rewards cards.
  • Home improvement rewards credit cards
    These credit cards allow consumers to earn reward points for all purchases, while earning extra points for home-related expenditures. For example, with the Citi Home Rebate MasterCard, you earn 1 percent back on regular purchases, but 6 percent back on purchases involving utilities, cable/satellite TV, Internet connection and telecom for the first year.
    Rebates earned are automatically applied to your mortgage principal. Bank of America's Home Advantage World MasterCard works the same way, though points can be redeemed for cash back, travel, gift cards, merchandise if you decide not to apply them to your mortgage. Compare home improvement rewards cards.

Airline mile / frequent flier credit cards
While certain general reward credit cards allow points to be redeemed for plane tickets among other things, there is a subset of reward cards specifically for air travel. This type of card allows consumers to earn airline mile credits whenever they make purchases. Some cards are co-branded with a specific airline, while some are generic and can be redeemed for tickets with a variety of airlines. Points can be redeemed for airline travel, much like frequent flier miles.

  • Airline-specific credit cards
    These cards are associated with one airline. Typically, the cardholder accumulates points from both making purchases with the card and by flying on the specified airline. For example, with Chase's Continental MasterCard, cardholders accumulate Continental frequent flier miles (called OnePass miles) both from spending with the card and from flying with Continental. These cards come with other perks -- for example, some allow you to earn double points when you use the card to purchase plane tickets with that airline. Compare airline-specific cards.
  • Generic airline miles cards
    Credit cards such as Miles by Discover allow you to redeem your reward points for air travel through any airline, travel agent or online travel site. This is a great option for people who aren't involved in a frequent flier program and aren't loyal to any particular airline. It allows you the flexibility of redeeming your miles for whichever airline best suits the needs of your trip. With a generic airline card, you gain points for every dollar spent on the card, but because it is not associated with a particular airline, you can't gain additional points by flying. Compare generic airline miles cards.

Each airline credit card is a bit different, so be sure to read the card's terms and conditions to find out how many miles you gain for every dollar spent. Other things to look for are how many miles you need before you qualify for a free plane ticket, if there is a cap on points that can be earned annually and whether or not unused airline miles expire. Some expire in five years while others do not expire at all. Airline mile reward programs can be costly for credit card companies, so many of these cards come with an annual fee. This type of reward program is beneficial for frequent travelers or those who want to use their card to plan vacations, but the associated fee might make them impractical for other cardholders.

Bad credit and/or credit repair cards
Credit can easily go from good to bad due to poor budgeting or simply by an overlap between jobs. If your credit score is less than satisfactory, it does not mean you cannot qualify for a credit card. There are several options available to those who have had bad credit in the past and for those who are currently trying to repair their credit.

Depending on your specific situation, debt consolidation or use of introductory APRs on balance transfers may be wise choices. If you still need credit or want to start repairing your credit by proof of action, there are several credit cards designed to help rebuild poor credit histories.

  • Secured credit cards
    Secured credit cards require collateral for approval. A security deposit of a predetermined amount is needed in order to secure the credit card, and the security deposit generally needs to be of equal or greater value than the credit amount. Collateral can come in the form of a car, boat, jewelry, stocks or anything else of monetary value. Secured credit cards are for people with either no credit or poor credit who are trying to build or rebuild their credit history.
    Cards that help rebuild credit often come with low credit lines (such as $250) and additional fees, such as an application fee, may apply. Be sure to read over any terms and conditions for these add-on services before applying. If you use the card responsibly and pay all your bills on time, you can ask for a credit line increase down the road. The extra fees and low credit lines will be worth it if a secured credit card helps you get your overall credit back on track. Compare cards for bad credit.
  • Prepaid credit cards
    Prepaid cards are not credit cards at all, but are used and accepted just like them. The advantages of prepaid cards is that there are no finance charges and they help you avoid debt since all purchases are paid for beforehand. With these cards you determine the credit line by transferring however much money you'd like to have available to spend to the card. This eliminates the risk of running up credit card debt and makes the budgeting process much easier.
    Although most prepaid cards do not charge finance fees, other fees may apply, including monthly fees, startup or application fees, over-limit fees, ATM fees, reload fees and more. Be sure to thoroughly look over the terms and conditions for each specific card before applying. Compare prepaid cards.

Specialty credit cards
These types of cards are for consumers with unique needs for their credit use, such as business professionals and students. These credit card programs are designed specifically to meet the needs of those individuals.

  • Business credit cards
    These cards are available for business owners and executives and have many of the same features as traditional credit cards: low introductory rates, cash back programs and airline rewards. The difference is these cards come with many additional benefits and perks exclusively for those in the business world.
    Some of these bonuses include: Business expenses kept separate from personal expenses; special business rewards and savings; expense management reports; additional cards for employees; and higher credit limits.
    Every credit card is a bit different and promotional offers often change, so be sure to thoroughly look over the terms and conditions for each specific card before applying. Compare business credit cards.
  • Student credit cards
    Many college students need a credit card, but they generally have little or no credit history, which makes it difficult to get approved for a traditional card. Student credit cards are specifically designed for those enrolled in accredited four-year colleges and universities to help them build a credit history from the ground up.
    Compared to consumer credit cards, student credit cards are often scaled back somewhat in terms of rewards, features and other benefits, but they can still be a valuable commodity. If used wisely, a student can take the first step toward building a solid credit history with this type of credit card. Once they've proven financial responsibility, it will be much easier to qualify for reward cards and higher credit lines. Compare student credit cards.
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Further Credit Card Links

3:12 AM

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Pakistan Credit Cards

3:03 AM
Pakistan Credit Cards evolved with the introduction of credit cards by Habib Bank, the biggest bank in the country, when it launched the gold card a couple of decades ago. Credit cards gained popularity in Pakistan, however, only in the 1990s when Citibank launched its Citibank Pakistan Visa Card. The aggressive marketing and huge investment not only made Citibank the industry leader in Pakistan but proved to be a turning point in the history of credit cards in the nation.

After the successful launch of the Citibank credit card, Muslim Commercial Bank, the National Bank of Pakistan and Bank of America soon followed suit with their own credit cards.

Credit Cards Pakistan: Types

The various credit cards used in Pakistan currently are as follows:


  • Balance Transfer Card: This type of card can be used to transfer a high interest balance onto a low APR credit card.

  • Instant Approval Card: This type of card offers instant approval on

    • select credit cards from specific banks.

  • Business Credit Card: This card offers an expense management service that facilitates keeping track of outgoing business money. Additional credit cards for employees may be availed for their business travel expenses.

  • Student Credit Card: These are credit cards for high school and college students with lower credit limits and fewer incentives to help keep their spending in check.

  • Prepaid Credit Card: This type of card aims at controlling spending.

  • Reward Credit Cards: These are credit cards that "reward" purchases in the form of Cash Back or Points when the card holder spends on gas, airlines, hotel stay, travel or finance.

    • Pakistan Credit Cards: Major Issuers and Banks

    The largest issuers of credit cards in Pakistan include:

    Allied Bank

    • Allied Bank Essentials MasterCard
    • Allied Bank Premium MasterCard

    American Express

    Bank of America

    Citibank

    • Citibank Silver Credit Card
    • Citibank Gold Credit Card
    • Citibank Caltex Credit Card-Silver
    • Citibank Caltex Credit Card-Gold
    • Citibank Clear Credit Card
    • Citi Mobilink Credit Card

    Habib Bank Ltd

    • Habib Bank Gold Card
    • Habib Bank Green Card

    Muslim Commercial Bank

    National Bank

    United Bank Limited

    • UBL Chip Credit Card
    • UBL Auto Credit Card

    HSBC Bank

    Standard Chartered Bank

    • American Express Credit Card
    • Easy credit Card
    • Master Card
    • VISA Card
    • PIA Co-Brand Credit Card
    • Cricket Credit Card

    Pakistani law currently does not allow e-commerce retailers to accept payment by credit cards online. This is why no Pakistan-based site can transact business via credit card on the internet. However, credit cards issued in Pakistan are accepted elsewhere on the internet.

    The government is actively working on removing credit card payment obstacles, in order to facilitate expansion of the internet in Pakistan.

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    Malaysia Credit Cards

    3:01 AM
    Malaysia credit cards come with a low interest rate of 13.5% for tier 1 cardholders. The interest rate was dropped from 15% by the Association of Banks in Malaysia (ABM) on March 31, 2009.

    Credit Cards Malaysia: Types

    Malaysia credit cards are available in three categories to cater to the diverse needs of different income groups. The three categories are:


  • Classic Card: For people with regular incomes or low credit ratings

  • Gold Card: For people with good income levels or strong credit ratings. Gold cards provide sufficient travel accident/inconvenience cover and offer a wide range of reward programs.

  • Platinum Card: Meant for the affluent and usually offered by special invitation only. Platinum cards come with concierge services and exclusive offers with airlines, premiere hotels and restaurants.

    • A wide range of Malaysia credit cards are available with special features and benefits, including:

    Making Credit Card Payments

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    Canada Credit Cards

    2:59 AM

    Canada Credit Card Industry

    Almost all financial institutions and leading banks in Canada offer Canada Credit Cards. These credit cars may offer varied advantages, such as low interest rates, cash back, discounts and frequent flyer miles. The features of Canada Credit Cards are based on the profiles of the applicants, such as student and business.

    In August 1968, the first all-purpose Canada credit card was introduced in the market. It was called Chargex. The name was replaced in 1979 by Visa. In a little over a decade, the card was adopted by more than 6 million users. Bank of Montreal introduced Mastercharge (now MasterCard) in 1973. In 2008, there were 31 million Visa cards in circulation in Canada and an even higher number of MasterCard credit cards, since the latter has a larger number of big issuers.

    Canada has a wide range of credit cards and credit card types. There are more than 200 credit cards issued in Canada.

    Canadian credit cards include store cards, airline cards, rewards cards, low interest rate credit cards, and all types of Visa, Mastercard, and American Express cards. This content is part of the extensive resources on credit cards featured in EconomyWatch.com.

    Canada has one of the world's most developed and robust banking and financial services industries in the world. So it stands to reason Canada has a comprehensive and established range of credit cards, ideal for any type of consumer, from students to corporations.

    Some of the banks that issue credit cards in Canada are MBNA Canada, HomeTrust, HSBC, BMO Bank of Montreal, CapitalOne Bank Canada, Scotiabank, TD Canada Trust, Laurentian Bank Canada, ICICI Bank, CIBC, Caisses Desjardins, and RBC Royal Bank.

    One of the best ways to select a credit card is via the Financial Consumer Agency of Canada (FCAC) website. This site is run by the Government of Canada and contains a database of all availabe credit cards in Canada. It allows people to compare the various credit cards in Canada available and select the one most appropriate for their needs.

    The FCAC website is updated every quarter, or four times a year. Visitors can view the information on the many credit cards in Canada in a .pdf table that compares each credit card, or they can browse the various cards via a sort of credit card wizard tool.

    This interactive tool asks various questions concerning the user's financial needs and habits such as,

    "What kind of credit card are you looking for?

    -Regular credit cards (standard, gold, platinum)

    -Specialized credit cards (Student, U.S. dollar, retail, secured or charge card)"

    After you have answered all the questions it will suggest the most appropriate card.

    Canada Credit Cards: Top Rated

    Here is a list of the best Canadian Credit Cards along with their main features:

    MBNA Platinum Plus MasterCard credit card:

    • Zero annual fee.
    • AIR (Annual Interest Rate: 17. 99% )
    • Inaugural interest rate comprises only 1.99% for the first 10 months on Balance Transfers and Cash Advances.
    • A credit limit up to $100,000.
    • Canadian residents, who have a Canadian credit file and have attained the age of majority based on their province of residence, are eligible to apply.
    • Applicants should not have a history of bankruptcies or delinquent accounts.
    • Only applicants with annual income of more than $35,000 will qualify.

    BMO Mosaik MasterCard No Fee CashBack:

    • No annual fee.
    • AIR: 19.50% .
    • Cardholders earn 1.5% CashBack at Shell outlets and 0.5% CashBack on all card purchases.
    • Instant small purchase payment with MasterCard PayPass Tap & Go feature.

    The MBNA Gold MasterCard

    • No annual fee.
    • Low AIR of 9.99% only.
    • Balance transfer fee of 1% of the transaction amount.
    • Credit limit of up to $100,000.
    • Canadian resident with good credit history can apply.

    American Express Air Miles Platinum Credit Card

    • Most lucrative travel reward card.
    • Annual fee: $50.
    • Purchase rate of 18.50 % and 19.99 % on cash advances.
    • Introductory balance transfer charge of 4.99 % for the first six months.
    • AIR MILES reward program: 1 reward mile = $10 in Card purchase at AIR. MILES partner store and $15 in Card purchase anywhere in Canada.

    CIBC Aero Classic Visa Card

    • Annual fee: $29.
    • AIR: 19.50%.
    • Aeroplan Miles reward program: Cardholders receive one Aeroplan Mile for every card transaction worth $ 2.
    • They can earn double Aeroplan Miles if they use their card at participating CIBC Bonus Rewards establishments.

    -Capital One Reward Miles MasterCard: No Annual Fee

    • No annual fee.
    • Flexible AIR which is equivalent to prime + 13.55 %.
    • No balance transfer charge.
    • One reward mile is awarded for every dollar spent through the card.
    • The reward miles never expire and can be redeemed anytime.

    -BMO Mosaik MasterCard Silver AIR MILES Reward Option

    • Annual fee: $70.
    • Low AIR of 11.90%.
    • Extra reward miles for purchases at Shell outlets.
    • Cardholders earn one reward mile for every $20 spent from their card.
    • Bonus of 100 AIR MILES reward miles.

    ‘BMO Credit Cards’ are trademarks of the Bank of Montreal, to find more, log on to www.bmo.com

    ‘MBNA Credit Cards’ are trademarks of MBNA America Bank. Know more at www.bankofamerica.com

    ‘Capitalone Credit Cards’ are trademarks of Capital One Small Business. Know more at- www.capitalone.com

    ‘American Express Credit Cards’ are trademarks of American Express Company. To know more visit: www.americanexpress.com

    ‘CIBC Credit Cards’ are trademarks of The Canadian Imperial Bank of Commerce, learn more at www.cibc.com


    Canada Credit Cards

    Credit Card Payments Online

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    Singapore Credit Cards

    2:58 AM
    Singapore credit cards are issued by banks as well as non-banking financial institutes. Getting a credit card in Singapore is easy. Difficulty lies in resisting the temptation of acquiring multiple cards since they are available conveniently across this port country.

    The banks in Singapore offer Master and Visa cards. The non- banking credit cards include Diners Club, American Express, and JCB cards. Bank credit cards are more easily available from account holding banks. Acquiring credit cards from non-account holding banks is tougher and unnecessary.

    Singapore credit cards often come with multiple benefits. These benefits vary from one card category to another and from one card company to the next one. Facilities like waiver of yearly fees, accumulation of points on every purchase, and free insurance are offered to card holders.

    The factors determining the selection of credit cards in Singapore are their convenience of usage and flexibility. Women in Singapore are motivated by the promotional aspect of debit cards, whereas men are driven by the economic aspect. The better educated, elderly, high income earners, professionals and married males prefer to use credit cards because of convenience factor. Credit card ownership is directly proportional to an individual income, education, age group, and marital status.

    Credit card issuing banks in Singapore
    Some of the renowned banks issuing credit cards are:

    1. Citibank - Citibank issues Citi Platinum Visa and MasterCard, Citi Clear Platinum card, Citi TANGS Platinum Visa card, and Citibank Paragon Platinum MasterCard.

    2. HSBC Bank - The credit cards issued by Singapore HSBC Bank include HSBC Platinum Credit Card, HSBC Premier MasterCard, and Gold Visa/ MasterCard.

    3. DBS Bank Limited - The exhaustive list of DBS Bank credit cards include DBS Visa Platinum card, DBS Platinum card, DBS SAAB Platinum card, DBS NUSS Visa Platinum card, DBS Esso Platinum MasterCard, DBS Altitude American Express card, DBS American Express credit card, DBS Visa/ MasterCard, DBS woman’s card, Takashimaya Platinum American Express card, Takashimaya Visa card, BHG Visa Platinum card, and Capita Card Visa Platinum credit card.

    4. Oversea-Chinese Banking Corporation Ltd. (OCBC Ltd.) - The credit cards issued by OCBC Ltd comprise OCBC Platinum MasterCard, OCBC Visa/ MasterCard, OCBC-NTU Visa Gold card, NTUC Plus, BEST-OCBC Master Card, OCBC Arts Platinum MasterCard, Robinsons Visa Platinum card, Robinsons Visa Platinum Elite card, IKEA friends Visa card, Titanium, and SAFRA Visa card.

    5. United Overseas Bank Limited - United Overseas Bank Limited offers UOB Preferred Platinum card, UOB One card, UOB Visa Signature card, UOB Lady’s Platinum card, UOB Lady’s card, UOB JCB Platinum card, SingTel-UOB Visa Platinum card, Metro-UOB Gold card, UOB MasterCard Gold/ Classic card, UOB Visa Gold Smart/ Classic card, UOB ORA Visa credit card, and UOB Tung Lok Visa Platinum card.

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    India Credit Cards

    2:57 AM
    Market for credit cards in India is made up of 18 major banks and financial institutions providing credit card products and services. There are 11 major types of credit cards available in India.

    Major Credit Card Providers in India

    Following are major credit card providers in India:
    • ABN Amro
    • HDFC
    • American Express
    • ICICI Bank
    • Axis Bank
    • SBI
    • Bank of Baroda
    • Canara Bank
    • Citibank
    • Visa
    • HSBC
    • MasterCard
    • Deutsche Bank
    • Amex
    • Barclays Bank
    • Diners Club
    • Standard Chartered
    • Kotak Mahindra
    ABN Amro Credit Cards
    ABN Amro is issuing nine credit cards in India. They may be mentioned as below:
    • ABN AMRO Freedom Credit Card
    • ABN AMRO One Credit Card
    • ABN AMRO Smart Gold Credit Card
    • ABN AMRO Titanium One Credit Card
    • ABN AMRO Wellness Credit Card
    • ABN AMRO MakeMyTrip Go Credit Card
    • ABN AMRO Barista Credit Card
    • ABN AMRO Platinum Credit Card
    • ABN AMRO Adlabs Credit Card
    AMEX Credit Cards
    AMEX is issuing eleven credit cards in India. They may be mentioned as below:
    • American Express Kingfisher First Credit Card
    • American Express Credit Card
    • American Express Platinum Credit Card
    • American Express India Today Group Credit Card
    • American Express Indian Airlines Credit Card
    • American Express Indian Airlines Gold Charge Card
    • American Express HPCL Credit Card
    • American Express Indian Airlines Green Charge Card
    • American Express Gold Credit Card
    • American Express Gold Charge Card
    • American Express E Credit Card
    Axis Bank (UTI) Credit Cards
    Axis Bank (UTI) is offering nine credit cards in India. They may be enumerated as below:
    • Axis Bank Gold Plus Credit Card
    • Axis Bank Corporate Credit Card
    • Axis Bank Gold Credit Card
    • Axis Bank Secured Credit Card
    • Axis Bank Visa Platinum Credit Card
    • Axis Bank Shriram Credit Card
    • Axis Bank Silver Plus Credit Card
    • Axis Bank Travel Currency Card
    • Axis Bank Silver Credit Card
    Bank of Baroda (BOB) Credit Cards
    Bank of Baroda (BOB) is issuing eight credit cards in India. They may be enumerated as below:
    • BOBCARD Corporate Global Credit Card
    • BOBCARD Exclusive Woman credit card
    • NEXTGEN BOBCARD Gold Credit Card
    • BOBACRD Exclusive Youth Credit Card
    • BOBACRD Gold Visa Credit Card
    • BOBACARD Silver Credit Card
    • BOBACRD Gold MasterCard Credit Card
    • BOBACARD Exclusive Credit Card
    Credit Card Types in India
    Following are various types of credit cards available in India:
    • Premium Credit Cards
    • Cash Back Credit Cards
    • Gold Credit Cards
    • Airline Credit Cards
    • Silver Credit Cards
    • Business Credit Cards
    • Balance Transfer Credit Cards
    • Co-branded Credit Card
    • Low Interest Credit Cards
    • Lifetime Free Credit Cards
    • Rewards


    Comments 1

    Australia Credit Cards

    2:56 AM
    Australia credit cards strike a perfect balance between lucrative reward schemes and total security protection. Features of Australia credit cards are customized to fulfill the diverse financial requirements of the customers.

    Australia credit cards have something for everyone including travelers, common consumers, and business persons. Credit cards in Australia are popular for their versatility and wide variety of primary and additional benefits.

    Popular Australia Credit Cards

    Australian credit card market provides the customers with an array of credit cards to choose from. Some of the most popular Australia credit cards are as follows:
    • Aussie MasterCard
    • Citibank Clear Card
    • GE Money eco MasterCard
    • ANZ Balance Visa
    • NAB Low Rate Visa Credit Card
    Besides these top credit cards there are many other varieties of credit cards available in the Australian market. Some of the common types of Australia credit cards are listed below:
    • Reward Program Credit Cards
    • Low Interest Credit Cards
    • Interest Free Credit Cards
    • No Annual Fee Credit Cards
    • Gold and platinum Credit Cards
    • Balance Transfer Credit Cards
    Features of Australia Credit Cards

    Features of Australia credit cards are designed to cater to the various financial needs of the cardholders. With their convenient rates of interest, reward points, low annual fee, and many other attractive schemes, credit cards in Australia add to the financial flexibility of the cardholders.

    Aussie MasterCard comes with the following benefits:
    • 11.99% Rate of interest on purchases
    • 0% Rate of interest on balance transfer made within 6 months from the account opening date
    • Annual fee of $49
    • 55 purchase interest free days
    Citibank Clear Card provides the cardholders with the following basic benefits:
    • 0% Rate of interest on balance transfers up to 6 months
    • 11.99% Rate of interest on card purchases
    • 55 Purchase interest free days
    • $65 Annual fee
    Features of GE Money eco MasterCard are as follows:
    • 18.94% Rate of interest on card purchases
    • 0% Rate of interest on balance transfers within 6 months from account opening
    • $49 Annual fee
    • 55 Purchase interest free days
    Some of the basic features of ANZ Balance Visa card are given below:
    • Annual purchase rate of 13.99%
    • 2.90% Rate of interest on balance transfer up to 12 months from the account opening date
    • $57 Annual fee
    • 55 Purchase interest free days
    NAB Low Rate Visa Credit Card comes with the following features:
    • Purchase rate of 12.79%
    • 0% Rate of interest on balance transfers within 6 months from account opening
    • $49 Annual fee
    • 55 Purchase interest free days


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