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Visa Credit Card

Best VISA Cards 2021-22

Last Updated 18th Jun 2021

Bank Visa Credit Cards
ICICI Bank Amazon Pay Credit Card, Coral Card, HPCL Platinum Card, Instant Platinum Card, MakeMyTrip Platinum Card, MakeMyTrip Signature Card, Manchester United Platinum Card, Manchester United Signature Card, Platinum Chip Credit Card, Rubyx Visa Credit Card
SBI Air India Platinum Card, Air India Signature Card, BPCL Card, ELITE, Etihad Guest Card, Etihad Guest Premier Card, FBB Contactless Card, Mumbai Metro Card, PRIME, SimplyCLICK SBI Card, SimplySAVE Card
HDFC Bank Allmiles Card, Corporate Platinum Card, Freedom Card, Infinia Card, Moneyback Card, Platinum Edge Card, Regalia Card, Solitare Card, Teachers Platinum Card, Titanium Times Card

Visa Credit Cards

Visa is a type of payment card which is branded by an American multinational financial services corporation and it uses Visa network for the payments. Visa card is accepted in more than 200 countries, they started with the Visa credit cards, but now the company also issues debit cards, prepaid cards and gift cards. The company, Visa, is not the one who issues the card, but it is the financial institution with whom the company partners. The card comes with a 16 digit unique account number, magnetic strip, and CVV which are embossed on the card.

Types of Visa Cards

A Visa credit card is just like any other credit card. It is issued to the people who have high creditworthiness, and the card is issued after looking at the credit report. There are various types of Visa credit cards:

  • Visa Classic Credit Card:This is the most common type of a visa credit card which is used for shopping, travelling and any other major transaction.
  • Visa Gold Credit Card: The gold card comes with several benefits like access to travel, legal and medical assistance throughout the year, and it has a higher credit limit.
  • Visa Platinum Credit Card:This is a premium card offered by the company which has multiple benefits and rewards. You can avail offers from leading retail stores, hotels and medical stores etc.
  • Visa Signature Credit Card: The signature credit card offers 24*7 concierge services and is accepted all over the world. The card comes with other benefits like hotel benefits, travel benefits and shopping benefits. Perfect for the people who love to live a luxury life.
  • Visa Infinite Credit Card: This elite credit card is offered to the people who love to travel, shop and dine. It offers a plethora of benefits on travel, shopping and dining.
  • Visa Debit Card: Visa debit cards give access to the consumers to make everyday transactions. To make the transaction with a Visa debit card, the consumer has to use a Personal Identification Number (PIN).
  • Visa Prepaid Card: The Visa prepaid cards are loaded with a certain amount of money which works like a credit limit. These cards can be used anywhere where Visa cards are accepted but expenditure has to remain within a certain limit.
  • Visa gift card:Visa gift cards are just like prepaid cards which are filled with a specific amount, however, these cards can not be reloaded and sometimes can be used only at certain retailers.

How to get a Visa credit card?

To get a Visa credit card, you can visit a bank branch from whom you wish to borrow the credit card or can visit the website of the bank or you can also log onto the website of Visa. Once you select the card, you need to fill the application form and submit the documents online. If the papers are as per the requirement, you will get the card within a few days.

Visa Credit Card Bill Payment

To make the Visa credit card bill payment, a borrower should perform the following steps:-

  • Log in to the official Visa website.
  • Choose the option of bill payment.
  • After that, select the country.
  • Select the type of credit card that you possess.
  • Enter your credit card number and click ‘Pay’.

You can make visa bill payments through third-party websites like Paytm, Phonepe, Gpay and many more.

Difference between Visa, MasterCard and RuPay Credit Cards

In India, typically three types of payment networks offer credit cards. These are called Visa, MasterCard and Rupay. However, Visa and MasterCard are the leading payment network across the globe.

  • Visa Card :Visa card is a card which uses the Visa network for payments. The banks which issue visa cards have partnered with Visa international payment services.
  • MasterCard : It is the second-largest payment network of the world. The multinational offers MasterCard branded network payment cards across the globe in partnership with financial institutions.
  • Rupay Card : Rupay is the Indian payment system. NPCI launched it in 2012 to reduce the monopoly of the foreign players in the market. The cards issued by Rupay are accepted domestically and currently, the company is only giving debit cards.
Particulars Visa MasterCard Rupay
Founded on 1958 1966 2014
Accepted Across the globe Across the globe Only in India
Processing Fee High High Low
Processing time Slow for India Slow for India Fast
Insurance coverage No No Accidental insurance available

Best Visa Credit Cards Provided by Top Banks in India

Visa Credit Card Interest Charges Annual Fee
Citibank IndianOil Platinum Card 3.25% ₹ 1,000
Citibank IndianOil Titanium Card 3.25% ₹ 1,000
Citibank PremierMiles Card 2.50% ₹ 3,000
Citibank Rewards Card 2.50% ₹ 1,000
Citibank Cashback Card 2.50% ₹ 500
Axis Bank My Zone Card 3.40% ₹ 500
Axis Bank Platinum Card 3.25% ₹ 500
Axis Bank Insta Easy Card 2.50% Nil
Standard Chartered Super Value Titanium Card 3.49% ₹ 750
Standard Chartered Manhattan Platinum Card 3.49% ₹ 999
Standard Chartered Platinum Rewards Card 3.49% ₹ 250
HSBC Visa Platinum Card 3.35% Nil
HSBC MMT Platinum Card 3.30% ₹ 499
ICICI Coral Card 3.40% Nil
ICICI Rubyx Visa Credit Card 3.40% ₹ 2,000
ICICI HPCL Platinum Card 3.40% Nil
ICICI Platinum Chip Credit Card 3.40% Nil
HDFC Platinum Times Card 3.60% ₹ 1,000
HDFC Titanium Times Card 3.60% ₹ 500
HDFC Jet Privilege HDFC Bank World Card 1.99% ₹ 2,500
HDFC Regalia Card 3.49% ₹ 2,500
HDFC Freedom Card 3.40% ₹ 500
SBI ELITE 3.35% ₹ 4,999
SBI PRIME 3.35% ₹ 2,999
SBI SimplySAVE Card 3.35% ₹ 499
SBI IRCTC Platinum Card 3.35% ₹ 300
SBI Yatra Card 3.35% ₹ 499
ICICI MakeMyTrip Platinum Card 3.35% ₹ 250
SBI BPCL Card 3.35% ₹ 499
ICICI Amazon Pay Credit Card 3.50% Nil
Axis Bank Flipkart Axis Bank Credit Card 3.40% Nil
ICICI Emeralde Credit Card 1.99% ₹ 12,000
SBI Unnati Credit Card 2.50% Nil
Citibank IndianOil Platinum Card

The IndianOil Platinum Card by Citibank is fuel- rewards card that helps you save on your fuel expenses. You can avail up to 4 Turbo Points on fuel purchases at IndianOil petrol pumps which can be redeemed at select merchant outlets and online partners. The Citibank credit card offers great reward benefits on groceries, supermarkets, movies and dining. Turbo Points never expire, so you can redeem now or keep collecting for something big later. The card uses Visa network for the payments

Citibank IndianOil Titanium Card

Citibank has introduced this card in partnership with Indian Oil. The card offers array of benefits like turbo points on every transaction. Turbo points can be redeemed to get free fuel.

Citibank PremierMiles Card

Citi PremierMiles Credit Card is a premium travel card that also has benefits of a rewards card. The card offers Miles with each expense, which can be redeemed when you book flight tickets and hotel stays at the dedicated PremierMiles website. These Miles are evergreen miles that never expire. You also get premium lounge access on all domestic airports.

Citibank Rewards Card

The Rewards card really stands up to its name by offering unlimited benefits in the form of Reward Points. The card has worldwide acceptance and offers 10x Reward Points on apparel and departmental stores, with bonus points on monthly spends. These points never expire, so you can redeem now or keep collecting for something big later.

Citibank Cashback Card

Cash Back Credit Card by Citi helps you enjoy savings, cash rebates and other money saving benefits all year long. This card offers cashback of up to 5% on movie tickets, telephone bill and utility bill payments.

Axis Bank My Zone Card

The My Zone card is offered by Axis Bank with unlimited benefits in the form of Reward Points. This credit card offers Reward Points on dining, movies, shopping and more. You also get heavy cashback on movie ticket purchases, complimentary access to airport lounges within India, and fuel surcharge waiver. The My Zone Credit Card offers secure transactions through an EMV certified chip, this is a VISA card which accepted across the globe.

Axis Bank Platinum Card

Axis Bank Platinum Credit Card is the most safest card offered by the bank as it comes with an EMV certified chip. The card comes with various benefits like cashback on movie ticket, reward points on every spending and many more.

Axis Bank Insta Easy Card

This card is especially by the bank for its burgundy customer. The card comes free for a lifetime and is best for the people who love to live a luxurious life.

Standard Chartered Super Value Titanium Card

Super Value Titanium Card is one of the best cashback cards which offers 5% cashback on fuel spends across all fuel stations, on telephone bill payments, and on utility bill payments. The Standard Chartered credit card offers 5x Reward Points to its premium banking customers and a complimentary Priority Pass to airport lounges,

Standard Chartered Manhattan Platinum Card

Another great cashback card by Standard Chartered is the Manhattan Platinum card which uses Visa network for the payments. This card helps you save on your expenses by offering 5% cashback and 3x reward points when you spend at supermarkets. You can also enjoy a host of offers and discounts across shopping, travel, dining and more with exclusive offers on this card.

Standard Chartered Platinum Rewards Card

The Platinum Rewards card stands up to its name by offering unlimited benefits in the form of Reward Points. The card offers up to 5x Reward Points on dining, movies, departmental stores and grocery spends.

HSBC Visa Platinum Card

HSBC Visa Platinum Credit Card is a rewards and cashback card with zero joining and annual fee. The HSBC Credit card offers cashback, rewards, and discounts on flights, dining, hotels, telecom and BOGO offer on BookMyShow and this VISA card is accepted in more than 200 countries.

HSBC MMT Platinum Card

As the name suggests, the MMT Platinum Card by HSBC offers many travel benefits such as discounts and reward points on domestic and international flight bookings through MakeMyTrip, lounge access, dining privileges, fuel surcharge waiver and concierge services. The card also comes with exclusive Membership Anniversary gifts.

ICICI Coral Card

The Coral Card is high on rewards and benefits. It comes with annual bonus points and 50% more rewards on online spends. The ICICI Credit card offers the most exclusive lifestyle privileges and the instant approval facility.

ICICI Rubyx Visa Credit Card

The ICICI Rubyx Visa Credit Card is a dual platinum credit card. The card offers exclusive privileges on dining, entertainment, and travel. Card users can enjoy two complimentary golf rounds monthly and can enjoy access to two domestic railway and airplanes lounges on a quarterly basis. Further, on every foreign transaction, you earn 2X points.

ICICI HPCL Platinum Card

ICICI Bank came up with HPCL Platinum Card in partnership with Hindustan Petroleum. The HPCL Platinum cardholder can save on 1% fuel surcharge and they get a cashback for up to Rs 100 at HPCL pumps month on month, year on year.

ICICI Platinum Chip Credit Card

The ICICI Bank Platinum Chip Credit Card offers you great value as a no-frills, and easy to manage the card. The card offers generous rewards, redeemable for exciting gifts and vouchers. Besides this, you also get to save through fuel surcharge waiver and a minimum of 15% savings on dining.

HDFC Platinum Times Card

Unlock a host of privileges with the Platinum Times Card. This card offers various benefits at shopping, apparel, dining and up to 25% off on movies. The card also offers amazing around-the-year discount offers at participating movie and dining outlets in your city. Attractive Reward Programme such as Weekday Dining Bonanza, helps you earn extra points.

HDFC Titanium Times Card

Titanium Times is a VISA card which is great entertainment card which offers flat 25% off on movie tickets and up to 15% off on dining, throughout the year. The card also comes with a bouquet of discount gift vouchers as a welcome gift, Weekday Dining Reward Bonanza, and fuel surcharge waiver.

HDFC Jet Privilege HDFC Bank World Card

The JetPrivilege Card is one of the best lifestyle and travel cards which offers various milestone benefits such as Priority Pass membership and lounge access. The card helps you save in the form of JPMiles Accrual Programme that offers up to 7,500 Bonus JPMiles.

HDFC Regalia Card

Regalia is primarily a travel benefits card that is also high on Reward Points. Complimentary Airport Lounge Access through Priority Pass Membership, complimentary Club Vistara Silver membership, best-in-class rewards programme are some of its greatest selling points.

HDFC Freedom Card

The Freedom card offers unlimited benefits in the form of Reward Points. The card offers 5x Reward Points on dining, movies, railways, grocery and online spends with fuel surcharge waiver.

SBI ELITE

Unlock a world of privileges with the SBI Elite Card. This SBI credit card is a VISA credit card which offers a host of shopping benefits at the best travel and lifestyle brands such as Yatra, Marks & Spencer, etc. The card also offers two complimentary movie tickets worth Rs. 6,000 every year, and premium lifestyle privileges like international and domestic lounge programme, Club Vistara Silver membership, Trident Privilege membership and generous reward points on all offline and online spends.

SBI PRIME

SBI Prime Card is one of the best lifestyle cards which offers various milestone benefits such as Club Vistara Silver membership, Trident Privilege membership and lounge access. The card helps you save in the form of reward points and gift vouchers for shopping at partner retail stores and dining.

SBI SimplySAVE Card

The SBI SimplySAVE card really stands up to its name by offering unlimited benefits in the form of Reward Points. The card has worldwide acceptance and offers 10x Reward Points on dining, movies, departmental stores and grocery spends, with fuel surcharge waiver.

SBI IRCTC Platinum Card

The SBI IRCTC Platinum Card reserves pure platinum privileges for you in the form of exclusive Reward Points on all railway bookings through IRCTC. This card also helps you save online transaction charges and fuel surcharge.

SBI Yatra Card

As the name suggests, the Yatra Card by SBI offers many travel benefits such as discounts domestic and international flight bookings, air accident insurance, and lounge access. The card also comes with joining Reward Points, vouchers and fuel surcharge waiver.

ICICI MakeMyTrip Platinum Card

This credit card is exclusively designed to meet the needs of avid travellers.Credit card users can avail unparalleled benefits on the expenses incurred for their travelling purposes.

SBI BPCL Card

It is a co-branded credit card launched jointly by SBI Card and Bharat Petroleum Corporation Ltd (BPCL). The card has been exclusively designed to provide the most attractive fuel saving benefits for the card holders.

ICICI Amazon Pay Credit Card

ICICI bank offers amazon pay credit card to the customers to add more to their lifestyle by providing affordable and exclusive offers on shopping at Amazon. Apart from that, one can also avail cashback up to 2% on 100+ Amazon Pay partner merchants.

Axis Bank Flipkart Axis Bank Credit Card

Flipkart Axis Bank credit card is a go-to card for fulfilling expenses across all categories. The card offers benefits on travel, shopping, entertainment, and lifestyle. Apart, cardholders can avail various cashback offers with every transaction.

ICICI Emeralde Credit Card

ICICI Emeralde credit card is a package of tons of benefits and rewards. It is specially designed for premium customers who love to travel, dine and shop. The card comes as an American Express and MasterCard Elite Credit Card.

SBI Unnati Credit Card

SBI Unnati is a new credit card launched by State Bank of India. This card is issued to an account holder who has an account balance of Rs 25,000. The card has host of benefits.

FAQs

Which is the best Visa credit card?

The most preferred Visa credit cards are Standard Chartered Platinum Rewards Card and HSBC Visa Platinum Card because there is no annual fee on both the cards.

Can I get special offers on Visa Credit Cards?

Yes, few banks run special offers on Visa Credit cards. You can check and compare the offers on visa credit cards at MyLoanCare website and apply for the card that fits your requirement.

What is Verified by Visa?

Verified by Visa is a password protection authentication system where the cardholder has to confirm the identity whenever the card is used for online transactions.

Where is Visa Accepted?

Visa card is accepted across the globe in more than 200 countries. You can use visa card anywhere to make any kind of transactions.

What are the charges I will have to pay to use a Visa Credit Card?

The charges on credit cards are different for every bank and every card. The charges applicable on Visa credit cards are processing fee, interest charges, cash advance fee, late payment fee, foreign transaction fee and GST.


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*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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