- Tips for Choosing a Credit Card
- Credit Card Catches
- Credit Card Information
- New Business Credit Card
- Credit Card Basic Information
- Credit Card Debt, Credit Debt
- Prepaid Credit Card
- Small Business Credit Card
- Apply for a Credit Card
- Apply Online for a Credit Card
- Businesss Credit Card
- Online Credit Card Deal
- Credit Card Payment Processing
- Credit Card Fraud
- Credit Card Processing
- Eliminate Credit Card Debt
- Credit Card Relief
- >Credit Card Payment Calculator
- Credit Card Minimum Payment
- >Credit Card Payoff Calculator
- Credit Cards for Bad Credit
- Credit Card Offers
- Transfer Card Balance
- Charity Cards (Charity Credit Cards)
- Cheap Credit Card Deal
- Online Credit Card Processing
- Low Interest Credit Card
- The Best Credit Card
- Best Credit Card Offer
- Credit Card Reward
- Secured Credit Card
- Student Credit Card
- Free Credit Card
- Credit Card Services
- Best Credit Card Rate
- Best Fixed Rate Credit Card
- Credit Card Merchant Services
- Free Prepaid Credit Card
- Best Credit Card Deal
- Credit Card Balance Transfer Deal
Further Credit Card Links
Credit Card Payments
- American Express Card Payment Online, Amex Credit Card Online Payment
- AT&T Card Payment Online, AT and T Credit Card Online Payment
- Best Buy Credit Card Payment Online
- Bryant Credit Card Payment Online
- Citibank Credit Card Payment Online
- Costco True Earnings Credit Card Payment Online
- Disney Visa Credit Card Payment Online
- Elan Credit Card Payment Online
- Exxon Mobil Credit Card Payment Online
- Gap Card Credit Card Payment Online
- Geico Credit Card Payment Online
- Home Depot Card Credit Card Payment Online
- HSBC Online Credit Card Payment Online
- Citibank Credit Card Payment Online
- Ikea Credit Card Payment Online
- JC Penney Credit Card Payment Online
- Lowes Credit Card Payment, Lowes Card Online Payment
- Meijer Credit Card Payment Online
- Providian Credit Card Payment Online
- Sams Club Credit Card Payment Online
- StanChart Payment, Standard Chartered Bank Credit Cards Online Payment
- Shell Card Credit Card Payment Online
- Universal Credit Card Payment Online
- Visa Credit Card Payment Online
- Wachovia Credit Card Payment Online
- Walmart Credit Card Payment Online
- Washington Credit Card Payment Online
- Western Union Credit Card Payment Online
- Nordstrom Credit Card Payment Online
- eBay Card Credit Card Payment Online
- Sears Canada Credit Card Payment Online
-
Search Box
Further Credit Card Links
Pakistan Credit Cards
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:
select credit cards from specific banks.
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.
Malaysia Credit Cards
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:
A wide range of Malaysia credit cards are available with special features and benefits, including:
- Co-branded credit cards: Offered by credit card issuers in partnership with various retail brands and service providers. They come with special discounts and exclusive offers on products of the partnering brand.
- Reward credit cards: Offer "reward" in the form of cash backs, points or shopping rewards on purchases and payments. They also include rewards in the form of airline miles.
- Low APR and Balance Transfer credit cards: Come with 0% APR (or low APR) and low rates on balance transfer.
- Business Credit Cards: Personalized with the company name, these cards provide access to an extensive network of seminars and business events. Business credit cards generally come with the option of supplementary cards for employees, to cater to their business travel expenses.
- Islamic credit cards: Card transactions are administered on the basis of Islamic banking principles (the concept of Shariah). These cards come with the option of direct zakat payment facility.
- Student credit cards: Meant for high school and college students, with low credit limits and less incentive, to monitor and check their spending.
Malaysia Credit Cards: Issuers
Malaysia Credit Cards are issued by over 15 banks. Some of the popular issuers of credit cards Malaysia include Affin Bank, AEON, Alliance Bank, Bank Islam, HSBC, Maybank, Standard Chartered and Bank Simpanan National. These cards are offered in association with American Express, Visa or MasterCard.
In order to make an informed decision while applying for Malaysia credit cards, visit the official websites of the card issuers. These contain special features, minimum income requirements and other terms and conditions of the cards. A number of sites also facilitate comparison of cards of different issuers.
- Aeon Credit Card Malaysia
- Affin Bank Credit Card Malaysia
- Alliance Bank Credit Card Malaysia
- American Express Credit Card Malaysia
- Bank Islam Credit Card Malaysia
- Bank Simpanan National Credit Card Malaysia
- Citibank Credit Card Malaysia
- Eon Bank Credit Card Malaysia
- Hong Leong Credit Card Malaysia
- HSBCCredit Card Malaysia
- Mastercard Malaysia (Mastercard Credit Card Malaysia)
- Maybank Credit Card Malaysia
- Public Bank Credit Card Malaysia
- RHB Bank Credit Card Malaysia
- Standard Chartered Bank Credit Card Malaysia
- United Overseas Bank Malaysia (UOB Credit Card Malaysia)
- Visa Credit Card Malaysia
Making Credit Card Payments
- Maybank Credit Card Payment Online
- Public Bank Malaysia Credit Card Payment Online
- Aeon Malaysia Credit Card Payment Online
- RHB Malaysia Credit Card Payment Online
- Bank Islam Credit Card Payment Online
- Citibank Malaysia Credit Card Payment Online
- Eon Bank Malaysia Credit Card Payment
- Affin Malaysia Credit Card Payment Online
- Alliance Bank Malaysia Credit Card Payment Online
- Hong Leong Malaysia Credit Card Payment Online
Canada Credit Cards
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.
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.
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
- Capital One Credit Card Payment Online
- National Bank of Canada Credit Card Payment Online
- TD Canada Trust Credit Card Payment Online
- Bmo Mosaic Mastercard Credit Card Payment Online
- Canada Tire Options Mastercard Credit Card Payment Online
- CIBC Canada Card Credit Card Payment Online
- RBC Credit Card Payment Online
- BMO Credit Card Payment Online
- Scotiabank Credit Card Payment Online
- Best Western Credit Card Payment Online
- HSBC Canada Credit Card Payment Online
- ICICI Canada Credit Card Payment Online
- Laurentian Canada Credit Card Payment Online
- Home Trust Canada Credit Card Payment Online
- BMO Card Login
- RBC Visa Payment Online
- Student Mosaik Mastercard
- Sony Mastercard
- Sony Mastercard Payment Online
- Petro Canada Credit Card (PetroCanada Card)
- Petro Canada Credit Card Payment Online
- Presidents Choice Financial Mastercard
- GM Credit Card
- American Express Air Miles
- Best Western Card (MBNA Best Westerb Mastercard Credit Card)
- BMO Bank Of Montreal Credit Card
- BMO Mosaik Mastercard
- Canada Credit Cards (Canadian Credit Cards)
- Canadian Tire Options Mastercard
- Capital One Mastercard
- Casisses Desjardins Credit Card
- CIBC Credit Card Canada (CIBC Visa)
- Home Trust Credit Card Canada
- Hsbc Credit Card Canada
- Hsbc Mastercard Canada
- ICICI Bank Credit Card Canada
- Laurentian Bank Credit Card Canada
- National Bank Credit Card Canada
- Rbc Royal Bank Credit Card Canada
- RBC Visa
- Scotiabank Credit Card Canada
- TD Card (TD Visa Credit Card Canada)
- Visa Card Canada
- Td Canada Trust Credit Card
- Capital One Classic
- MBNA Cards Canada
Other Canada Credit Card Links
Credit Card Payments Online
- Capital One Credit Card Payment Online
- National Bank of Canada Credit Card Payment Online
- TD Canada Trust Credit Card Payment Online
- Bmo Mosaic Mastercard Credit Card Payment Online
- Canada Tire Options Mastercard Credit Card Payment Online
- CIBC Canada Card Credit Card Payment Online
- RBC Credit Card Payment Online
- BMO Credit Card Payment Online
- Scotiabank Credit Card Payment Online
- Best Western Credit Card Payment Online
- HSBC Canada Credit Card Payment Online
- ICICI Canada Credit Card Payment Online
- Laurentian Canada Credit Card Payment Online
- Home Trust Canada Credit Card Payment Online
Singapore Credit Cards
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.
- American Express Singapore Credit Cards
- HSBC Singapore Credit Cards
- Maybank Singapore Credit Cards
- UOB Singapore Credit Cards
- OCBC Singapore Credit Cards
- Singapore Gold Credit Cards
- Singapore Platinum Credit Cards
- Citibank Singapore Credit Cards
- DBS Singapore Credit Cards
- Standard Chartered Singapore Credit Cards
- UOB Credit Card Payment Online
- DBS Credit Card Payment Online
- OCBC Credit Card Payment Online
India Credit Cards
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 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 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) 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) 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
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
- India Credit Card Types
- Banks Issuing Credit Cards in India
- Bank of India Credit Cards
- State Bank of India Credit Cards
- Deutsche Bank India Credit Card
- ICICI Bank Credit Card
- Kotak Credit Card
- Abn Amrro India Credit Card
- Amex India Credit Card
- Bank Baroda Credit Card
- Barclays India Credit Card
- Canara India Credit Card
- Citibank India Credit Card
- HDFC India Credit Card
- ICICI Platinum Identity Card
Australia Credit Cards
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
- 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 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
- 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
- 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
- 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
- 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
Related Links
- Coles Source Card Payment Online
- Citi Clear Card Payment Online
- David Jones Card Payment Online
- Commonwealth Credit Card Payment Online
- NAB Credit Card Payment Online
- ANZ Credit Card Payment Online
- American Express Qantas Payment Online (Amex Qantas Credit Card Payment)
- Aussie Mastercard Payment Online
- St George Vertigo Mastercard Payment Online
- Emirates Citi Platinum Card
- Emirates Citi Platinum Card Payment Online
- Woolworths Credit Card (Woolies Credit Card)
- Woolworths Credit Card Payment Online
- Australia Credit Card Features
- Issuers of Credit Cards by Banks and Financial Institutions
- Australia Credit Card Types
- AIMS
- American Express
- American Express Qantas Premium Credit Card
- American Express Qantas Ultimate Credit Card
- American Express Platinum
- AMP
- ANZ Cards (ANZ Credit Cards Australia)
- Australia Visa Card (Australian Visa Credit Card)
- Aussie
- Aussie Mastercard (Mastercard Australia)
- Australian Central Credit Union Credit Cards
- Austral Credit Union
- Bananacoast Credit Union Credit Card
- BankWest Credit Card
- Bendigo Bank Credit Card
- BP Citibank (BP Citibank Mastercard Australia)
- Citibank
- Citi Clear Card (Citibank Clear Credit Card)
- Commonwealth Bank
- Community CPS
- Community First Credit Union
- Coles Source Card
- CUA (Credit Union Australia)
- David Jones Card (David Jones Credit Card)
- Encompass Credit Union
- GE Money Australia
- mecu
- Members Equity Bank
- Nab Credit Card (National Australia Bank Credit Card)
- Newcastle Permanent
- Qantas Card (Qantas Gold Card, Qantas Platinum Card
- Bank of Queensland
- Resi
- Savings & Loans Credit Union
- South West Credit Union
- St. George
- St George Vertigo Mastercard
- Wizard
UK Credit Cards
Types of UK Credit Cards
Some of the most popular categories of UK credit cards are:
Personal credit cards: Almost every financial institution provides personal credit card services. This service caters to the financial needs of individuals. The personal credit card product line offers several products, such as:
- Platinum credit card for people with excellent ratings and a sound financial history. The Platinum card symbolizes high status in the society. It comes with a high spending limit and an array of facilities, such as travel insurance, personal concierge and additional cards.
Business credit cards: Business credit card UK comes with huge purchasing limits and added features. It is designed to meet the financial needs of business enterprises. The business card offers discounts on purchases for business purposes, such as office equipment, official travel and meetings.
Zero-interest credit cards: This card offers a no-interest period for balance transfers and purchases for a specified duration. It also offers relief from high interest rates charged on outstanding bills. However, an individual is required to make timely payments and not exceed the credit limit in order to enjoy the zero interest benefits.
Rewards credit cards: Most credit cards offer some form of rewards. Rewards cards allow users to earn points on everyday purchases. These points can be later redeemed to get discounts, gifts, vouchers and other complimentary benefits. A cashback card provides a percentage of the total purchase amount as cashback.
Statistics compiled by APACS, the banking payments association, show that United Kingdom cardholders spend around £10 billion a month on their credit cards.
According to the report, there are more credit cards in UK than there are people, although growth has stopped in the aftermath of the Credit Crunch. The APACS annual report has shown that nearly two thirds of adults own a credit card. The number of people with multiple credit cards in the UK is now more than half cardholders.
Features of UK Credit Cards:
Popular categories of UK Personal Credit Cards include:- 0% Introductory APR
- Travel Rewards Credit Cards
- Money Back and Rewards Credit Cards
- No Annual Fee Cards
- Gas Credit Cards
- Business Credit Cards
Low Interest Credit Cards in UK:
Low interest and 0% APR credit cards have grown in popularity as the UK credit card market has become more saturated. So it is always better for a credit card holder to opt for a card provider charging lower interest rates. For example, a person with fairly large balance should try for a credit card provider who can offer 0% for transferring his or her debt or can switch to a having a comparatively lower APR (Annual Percentage Rate) for life.Moreover, before applying for a credit card in United Kingdom, one should look for a card with lower rate of interest, or depending on usage habits focus on more airline miles, petrol rebates, gift certificates, cash rewards or other benefits of the rewards program.
Specialty credit cards
Some banks offer specialty cards in association with different organizations or institutions. The BT credit card, WWF MasterCard, UNICEF Visa Card, Disney Card and Marks and Spencer Card are a few examples of specialty card.
UK Credit Cards Issuers
In United Kingdom, most of the traditional banks or building societies offer various credit cards. Companies such as Abbey, Alliance & Leicester, Barclays, Co-Operative Bank, Halifax, HSBC, and Lloyds TSB are regarded as the major credit card providers in the country.
Visa, MasterCard and American Express are all extremely active in the UK, while Diners Club is also present. Some of the most popular UK credit card issuers are HSBC, Citibank, Abbey National, Bank of Scotland, Barclays and MBNA.
UK Credit Cards
- Credit Card rate in UK
- Credit Card Types in UK
- 0% Balance Transfer Cards
- 0% Purchase Cards
- Cashback Cards
- Long Term or Life of Balance Transfer Cards
- Low Standard Rate Cards
- Loyalty Reward Cards
- Top Credit Cards Provided by Banks and Other Organizations
- Abbey Credit Card
- Alliance Leicester Credit Card
- American Express British Airways
- American Express Platinum Cashback UK
- Argos Mastercard
- Bank Of Scotland Credit Cards
- Barclays Credit Card (Barclaycard Cards)
- BT Credit Card (British Telecom Credit Card)
- Citi Gold Credit Card (Citi Aadvantage Gold Card UK)
- Debenhams Credit Card
- Egg Credit Card
- HSBC Mastercard UK
- Lloyds Tsb Platinum
- Marks and Spencer Card (M&S Mastercard Credit Card)
- MBNA Cards UK (MBNA UK Credit Cards)
- RBS Cards (Royal Bank of Scotland Cards)
- Thomas Cook Card (Thomas Cook Credit Card)
- Virgin Credit Card
- Virgin Prepaid Card (Virgin Prepaid Credit Card)
- Cheap Credit Card UK
- Credit Card Balance Transfer UK
- UK Credit Card Application
- UK Credit Card Company
- UK Credit Card Loan
- UK Low Interest Credit Card
- Capital One Credit Card UK
- Debenhmans Credit Card Payment Online
- Barclaycard Cards Payment Online
- Marks and Spencer Credit Card Payment Online
- Alliance and Leicester Credit Card Payment Online
- Thomas Cook Credit Card Payment Online
- Abbey Credit Card Payment Online
- Lloyds TSB Credit Card Payment Online
- Virgin Credit Card Payment Online
- RBS Credit Card Payment Online
- Amex BA British Airways Credit Card Payment Online
- BT Credit Card Payment Online
- Argos Mastercard Credit Card Payment Online
- BoS Bank of Scotland Credit Card Payment Online
UK Credit Card Payments
USA Credit Cards
In the US credit card companies deal separately with consumers with various types of credit history. The major categories in this context are excellent credit, bad credit, good credit, no credit history and fair credit. The prevailence of American credit cards assists consumers to manage their expenses, and if used properly can be a time saver. Unfortunately a lot of people end up with debts on their cards that they are paying high interest rates on without realising it. If you default on credit card payments, or have done so in the past, you may need to clean up your credit report.
There are various types of credit cards that are available in the United States - low interest credit cards, airline credit cards, balance transfer cards, business credit cards, instant approval cards, student credit cards, reward credit cards, prepaid and debit cards, cash back credit cards and credit card specials. There are several types of rewards credit cards available in the US – points, hotel or travel, retail, home improvement and gas cards.
Broadly speaking, there are three categories of credit cards in the US. These are:
Business Credit Cards
Secured Credit Cards
Unsecured Credit Cards
There may be several types of unsecured credit cards. These include:
- Rewards Credit Cards – Apart from purchasing power, these cards offer several reward schemes. Examples are American Express Preferred Rewards Green Card, Maximum Rewards Platinum Edition Visa Card and Citi Diamond Preferred Reward Card.
- Travel Credit Cards – Cardholder earn multiple points when making travel related expenses using these cards. Expenses may include buying flight or train tickets, paying for gas, making a hotel reservation or paying for car rentals. Examples are Miles by Discover Card, Blue Sky from American Express and Disney’s Rewards Visa Card from Chase.
- Gas Credit Cards – These specialty credit cards are suitable for people who purchase gas regularly. Examples are Discover Open Road Card, Capital One No Hassel Miles Rewards for Travel and Gas and Shell Card Credit Card.
- Bad Credit Credit Cards – Suitable for those who have bad credit and find it difficult to have a credit card approved. People with bad credit may need a new credit line to overcome their poor credit status. Examples are First PREMIER Bank Gold MasterCard, Total Visa Card and Orchard Bank Platinum MasterCard.
- No Credit Credit Cards – Suitable for those with no credit history. Examples are Bank of America Secured Visa Platinum, Capital One Standard Platinum and Citi Platinum Select MasterCard.
- Balance Transfer Credit Cards – Offer cardholders the option to consolidate debt payments. Examples are Blue from American Express, Clear from American Express and Citi Platinum Select Card.
Bank of America is known as the biggest commercial banks in the United States of America. Among the major commercial banks of USA it has the highest market capitalization and maximum amount of deposits. The bank is headquartered at Charlotte in North Carolina. HSBC Bank is among the major clearing banks of the United Kingdom. The company was established in 1836 and is headquartered at London, England.