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Credit Card : Review

Discussion in 'Hangout' started by Ravi, Jan 29, 2013.

  1. Ravi

    Ravi Staff Member Janitor

    Messages:
    6,001
    Bangalore
    Grande Punto 1.3
    I am currently using 2 credit cards -

    1. Standard Chartered - Titanium Super Value card
    2. Citibank - Visa Platinum - Reward Card


    1. Standard Chartered - Titanium Super Value card
    Good cashback options - gives 5% cashback on Telephone bill, 5% cashback on all utility bill, 2.5% cashback on fuel
    Any other purchase - 1 point for Rs. 100

    Using most for cashback options.

    2. Citibank - Visa Platinum - Reward Card
    1 reward point (~35 paisa per point).
    Using this for most of other spending except fuel and bills.


    Thinking of replacing Citi card with any other cars, what other cards are you using, can you share the benefits.
  2. ramjn

    ramjn Staff Member Janitor

    Messages:
    5,245
    Chennai
    Linea 1.3
    I am using Citi bank Indian oil card for the past 7 years. No hassles till now. They give 4 reward points for every Rs. 150 spent at IOC pumps and 1 point for normal transactions. Each point is worth of Rs. 1 of fuel which can be redeemed to tank up at the IOC pumps.
  3. Ravi

    Ravi Staff Member Janitor

    Messages:
    6,001
    Bangalore
    Grande Punto 1.3
    Ramesh, standard chartered credit card gives you same % return, in cashback, on all fuel stations :).
  4. ramjn

    ramjn Staff Member Janitor

    Messages:
    5,245
    Chennai
    Linea 1.3
    My bad. I didn't know that. I closed my SCB card an year back. :(

    To record for the bad experience, I can quote my experience with SBI Card. Pathetic service coupled with heavy charges. I was indeed surprised that why is SBI doing this. After some research found that the card business of SBI is handled by GE Money and not SBI directly.
  5. Ravi

    Ravi Staff Member Janitor

    Messages:
    6,001
    Bangalore
    Grande Punto 1.3
    Yes, about SBI, I have heard bad service experience from some friends/colleagues.

    SCB provides one more card, Manhattan, which gives 5% cashback on all supermarket purchase. They are not ready to give me free though :).
  6. pioneeraaron

    pioneeraaron Superiore

    Messages:
    716
    Mulund/Mumbai
    Im using Citibank Indian Oil card for 6years now.Really no hassles at all.I get turbo points when I fill at indian oil outlets i.e for every 150/- spent i get 4 turbo points.I have around 2500 odd turbo points still to be redeemed :-D Apart from that Citibank really offers great deals on Resto's and dining outlets on weekdays but.
  7. punto_emotion

    punto_emotion Esperto

    Messages:
    1,245
    Bangalore
    Grande Punto 1.3
    I have used Citi Rewards, Citi cash back, HDFC Platinum & World Card, SBI, HSBC Platinum, Kotak Signature.

    Out of the lot frequently I use Citi Cash back & HDFC World card. Of the lot, I have experienced best customer service from Citi & HDFC. I felt options for points redemption for HDFC are also quite good. They have lot of choices to choose from. HDFC World card provides free access to Airport lounges as well.
  8. theblack

    theblack Esperto

    Messages:
    2,188
    Bangalore
    Axis bank gives you 10% cash back.. I dont own one but on a recent purchase i was told so..

    I personally use HDFC platinum + and it gives me 100% fuel surcharge waiver (at all petrol bunks)
  9. Linear

    Linear Amatore

    Messages:
    236
    Thane
    I am having HDFC Visa Signature. Excellent experience so far. I do get the fuel surcharge waiver, and this year they have declared a 4 month payment holiday - means I can pay bills from November in March without any interest.
  10. Ravi

    Ravi Staff Member Janitor

    Messages:
    6,001
    Bangalore
    Grande Punto 1.3
    Stan chart gives above plus 2.5% cash back, try this.
    This is great. Do they it regularly for all customers or for some customers?

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