How to Get a online Credit Card

The system in which we perform our banking and financial transactions have forever been changed, thanks to the internet. Now we can apply for financial services and shop from the comfort of our own home due to credit cards and fast home broadband speeds. Most of the companies are now starting their own websites through which you can avail of products at a cheaper price. If you want to shop online then you will need to know how to get a credit card.

The best way to apply for credit card is to go online. A quick search is likely to push up many websites that offer credit cards. There is no longer any need to physically attend a bank and be interviewed. All you have to do us find a website that can handle the process online.

By comparing the various options you will be able to choose a credit card that suits your income and expenditure. It is important to browse as many sites as possible as the type of deals on offer may vary widely. There can even be special Credit Card offers available that offer better interest rates or other features.

To apply you will need to give various section of personal information. Try to collect all of this together before you start to fill out the form as otherwise the webpage may continuously reset itself. Make sure that the information you give is correct to the best of your knowledge.

The length of time that it takes for your application to be processed will depend upon the lender. They will evaluate your private data as well as the information contained in your credit report before approving your application.

Debit Card Offers january 2010

Click Here To know More About Debit Card Offers

Abn Amro Bank
1) International Debit Card:-

• Travel Offer

Extent you holiday by Abn Amro, pay for two nights and stay for three.

• Reward Points Offer

On retail spends of Rs.100, earn 2 Royalty points which is equal to Re.1.
On fuel spends of Rs.100, earn 5 Royalty points which is equal to Rs.2.50.
You can redeem 500 points reward points just on a phone call.

2) Air India AbnAmro Debit Cards:-

• Shopping Offer

Get 12% off on minimum purchase of Rs.5000 and above from Sangini Diamond Jewellery.
Buy jewellery from Adora and get 17% off.
Get 15% off on Allen Solly watches.
Get 15% off on Sparkles diamond jewellery
Enjoy 10% off on spectacles, sunglasses and contact lenses at GKB Opticals.

• Travel Offer

Extent you holiday by Abn Amro, pay for two nights and stay for three.Booking done through accorhotels-asia.com/partners/MC
Get 10% discount on all Domestic and International Flights.
Get discount for second companion too.
You can two free upgrade vouchers to Business class.

• Reward Points Offer

On spend of Rs.100 on retail shopping get 2 royalty points, equal to Re.1.
On spend of Rs.100 on fuel transactions get 5 royalty points, equal to Re.2.50.

3) Gold Debit Card:

• Holiday Offer

Extent you holiday by Abn Amro, pay for two nights and stay for three.Booking done through accorhotels-asia.com/partners/MC

• Reward Points Offer

On spend of Rs.100 on retail shopping get 3 royalty points, equal to Rs.1.50.
On spend of Rs.100 on fuel transaction get 5 royalty points, equal to Re.2.50.
Earn Royalty points for using ATM’s, Net Banking, Making utility bill payments and much more.
Accumulate 500 points and redeem then as Cash, just on a phone call.

• Dinning Offer

Get 20% off on Dominos Pizza, just announce the coupon code AL-020 to avail the offer.

• Shopping Offer

Get 12% off on minimum purchase of Rs.5000 and above from Sangini Diamond Jewellery.

Buy jewellery from Adora and get 17% off.
Get 15% off on Allen Solly watches.
Get 15% off on Sparkles diamond jewellery
Enjoy 10% off on spectacles, sunglasses and contact lenses at GKB Opticals.

4) Van Gogh Preferred Banking Gold Card:-

• Holiday Offer

Extent you holiday by Abn Amro, pay for two nights and stay for three.Booking done through accorhotels-asia.com/partners/MC

• Reward Points Offer

On spend of Rs.100 on retail shopping get 3 royalty points, equal to Rs.1.50.
On spend of Rs.100 on fuel transaction get 5 royalty points, equal to Re.2.50.
Earn Royalty points for using ATM’s, Net Banking, Making utility bill payments and much more.
Accumulate 500 points and redeem then as Cash, just on a phone call.

• Dinning Offer

Get 20% off on Dominos Pizza, just announce the coupon code AL-020 to avail the offer.

• Shopping Offer

Get 12% off on minimum purchase of Rs.5000 and above from Sangini Diamond Jewellery.
Buy jewellery from Adora and get 17% off.
Get 15% off on Allen Solly watches.
Get 15% off on Sparkles diamond jewellery
Enjoy 10% off on spectacles, sunglasses and contact lenses at GKB Opticals.

5) Premium Debit Card:-

• Dinning Offer

Get 20% off on Dominos Pizza, just announce the coupon code AL-020 to avail the offer.

• Shopping Offer

Get 12% off on minimum purchase of Rs.5000 and above from Sangini Diamond Jewellery.
Buy jewellery from Adora and get 17% off.
Get 15% off on Allen Solly watches.
Get 15% off on Sparkles diamond jewellery
Enjoy 10% off on spectacles, sunglasses and contact lenses at GKB Opticals.

• Holiday Offer

Extent you holiday by Abn Amro, pay for two nights and stay for three.Booking done through accorhotels-asia.com/partners/MC

• Reward Points Offer

On spend of Rs.100 on retail shopping get 3 royalty points, equal to Rs.1.50.
On spend of Rs.100 on fuel transaction get 5 royalty points, equal to Re.2.50.
Earn Royalty points for using ATM’s, Net Banking, Making utility bill payments and much more.
Accumulate 500 points and redeem then as Cash, just on a phone call.

• Other Offer

Get discounts and special access to 15 premium Golf Courses.

• Travel Offer

10% discount on Duty Free purchases at Flamingo duty free outlets pan India and on board Jet Airways, Air India and Kingfisher Airlines.

Axis Bank Debit Card Offers

1) Priority Debit Card

• Petro Offer

Zero fuel charges across all petrol pumps.

• Reward Points Offer

You can redeem your reward points in charity, dinning, electronics, gift voucher, home, kids, lifestyle, magazines and personal.

• Travel Offer

Get 15% discount on stay at Brigade Homestead Serviced Residences, Bangalore.(till 31st March10)
A discount of 15% on room rates at The Central Park Hotel.

• Other Offer

15% discount on Diagnostic at The Apollo Clinics.(till 31st March 2010).

2) Classic Debit Card

• Dinning Offer

Enjoy 15% discount on Food and Beverage (Alcoholic and Non alcoholic items) on Ala.
Carte (from the Menu) at Time after Time, Zanzibar and at smoke on the water.
On a total bill of Rs.300 & above at Kaati Zone outlets in Bangalore get Rs.50 off.

• Travel Offer

A discount of 15% on room rates at The Central Park Hotel.

• Other Offer

15% discount on Diagnostic at The Apollo Clinics.(till 31st March 2010).

3) Gold Debit Card

• Dinning Offer

On a total bill of Rs.300 & above at Kaati Zone outlets in Bangalore get Rs.50 off.

• Petro Offer

No surcharge is applicable on fuel purchase.

• Reward Offer

Redeem your reward points in charity, dinning, electronics, gift voucher, home, kids,
Lifestyle, magazines and personal.

• Travel Offer

15% discount on stay at Brigade Homestead Serviced Residences, Bangalore.(till 31st March 2010).

• Other Offer

15% discount on Diagnostic at The Apollo Clinics.(till 31st March 2010).

4) Gold plus Debit Card

• Travel Offer

15% discount on stay at Brigade Homestead Serviced Residences, Bangalore.(till 31st March 2010).

• Petro Offer

No surcharge is applicable on fuel purchase.

• Reward Points Offer

Redeem your reward points in charity, dinning, electronics, gift voucher, home, kids,
Lifestyle, magazines and personal.

• Dinning Offer

On a total bill of Rs.300 & above at Kaati Zone outlets in Bangalore get Rs.50 off.

• Other Offer

15% discount on Diagnostic at The Apollo Clinics.(till 31st March 2010).

5) Business Gold Debit Card

• Dinning Offer

On a total bill of Rs.300 & above at Kaati Zone outlets in Bangalore get Rs.50 off.

• Petro Offer

No surcharge is applicable on fuel purchase.

• Reward Points Offer

Redeem your reward points in charity, dinning, electronics, gift voucher, home, kids,
Lifestyle, magazines and personal.

• Other Offer

15% discount on Diagnostic at The Apollo Clinics. (till 31st March 2010).

Citibank Debit Card

Citibank International Premium Debit Card

• Travel Offer

Enjoy free access to domestic airport lounges (Oberoi Clipper Lounge).
Free access to premium golf ranges in India and get discounts on green fees.

2) IndianOil Citibank Premium Debit card

• Petro Offer

Zero fuel surcharge on fuel purchase at IndianOil outlets.
On every spent of Rs.100 earn 4 Turbo Points at IndianOil outlets.
Redeem your Turbo Points for IndianOil Petro Vouchers.

3) IndianOil Citibank Debit Card

• Petro Offer

Zero fuel surcharge on fuel purchase at IndianOil outlets.
On every spent of Rs.100 earn 2 Turbo Points at IndianOil outlets.
Redeem your Turbo Points for IndianOil Petro Vouchers.

4) Shopper Stop Citibank Debit Card

• Shopping Offer

Get a membership to First Citizen Loyalty Program.
On spent of Rs.100 at Shoppers Stop get 5 reward points.
Earn 1 reward points for every Rs.100 spent at merchant outlets.

5) Citibank Grocery Debit Card

• Reward Points Offer

Earn 5 rewards points on every spent of Rs.100 at Citibank associate grocery outlet.
li>Earn 2 reward points on every spent of Rs.100 at any other grocery outlets.
Earn 1 reward points on every spent of Rs.100 at merchant outlet.

6) MTV Citibank Debit Card

• Entertainment Offer

Enjoy special discounts at your favorite hangouts and offer invites to MTV concerts, parties, etc.

• Reward Points Offer

On every spent of Rs.100 get 2 reward points.

• Shopping Offer

Enjoy great discounts and dazzling special privileges on grocery.

HDFC Debit Cards
1) EasyShop International Debit Card

• Petro Offer

No surcharge on filling petrol from selected BPCL petrol pumps across India, Click here to check the outlets(http://hdfcbank.com/applications/misc/dc_zerocharge.asp)

• Travel Offer

Get Rs.50 off on booking bus ticket at www.redbus.in
2) EasyShop International Gold Debit Card

• Travel Offer

Get Rs.50 off on booking bus ticket at www.redbus.in

• Petro Offer

0% petrol surcharges at petrol pumps.
On every spent of Rs.100 you will get Re.1 as cashback.

• Shopping Offer

Buy Premium Suiting, Shirting & Apparels from Vimal and get 15% discount.(till 31st Dec 09).

3) EasyShop Pro Gold Debit Card

• Petro Offer

0% petrol surcharges at petrol pumps.

• Other Offer

Enjoy daily cash withdrawal limit of Rs.50,000 from ATM.

• Travel Offer

Get Rs.50 off on booking bus ticket at www.redbus.in

4) EasyShop International Business Debit Card

• Travel Offer

Get Rs.50 off on booking bus ticket at www.redbus.in
Enjoy exclusive access to premium airport lounge across India.(till 31st Dec 09).

• Dinning Offer

Enjoy delicious Pizzas and breads from Pizza Hut and get 20% off.(till 31st Dec 09).

• Petro Offer

0% petrol surcharges at petrol pumps.
On every spent of Rs.200 you will get Re.1 as cashback.

• Other Offer

Enjoy daily cash withdrawal limit of Rs.50, 000 from ATM’s.

5) EasyShop Woman's Advantage Debit Card

• Reward Points Offers

On every spent of Rs.200 you will get Re.1 as cashback.

• Other Offer

Enjoy daily cash withdrawal limit of Rs.20, 000 from ATM’s.
You will not be charged for Bill Pay Service, which is normally charged at Rs. 100 p.a.

• Travel Offer

Get Rs.50 off on booking bus ticket at www.redbus.in

6) EasyShop NRO Debit Card

• Other Offer

Enjoy daily ATM cash limit of Rs.15,000 and Rs.25,000 at merchant established shopping.

7) Kisan Card
Deutsche Bank India
a. Platinum Debit Card

• Petro Offer

Zero fuel surcharge across all petrol pumps.

• Reward Points Offer

On every spent of Rs.100 earn 1.5 reward points.

• Other Offer

Get a complimentary air accident insurance cover upto Rs.20lacs.
Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in

b. Gold Debit Card

• Reward Points Offer

On every spent of Rs.100 earn 0.75 reward points.

• Petro Offer

Zero fuel surcharge across all petrol pumps.

• Other Offer

Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in


HSBC Debit Card
1) Power Vantage Plus Platinum

ICICI Bank Debit Card Offers
1) ICICI Bank Visa Signature Debit Card

• Petro Offer

Fuel surcharge of 2.5% waiver at all Petrol pumps.

• Reward Points Offer

On every spent of Rs.200 get 3 reward points.

• Other Offer

Enjoy a cash withdrawal limit of Rs.1.5 lac per day and transaction limit of Rs.2.5 lac per day.

2) The ICICI Bank Platinum Debit Card

• Petro Offer

Fuel surcharge of 2.5% waiver at all Petrol pumps.

• Reward Offer

On every spent of Rs.200 get 3 reward points.
3) The ICICI Bank Titanium Debit Card

• Petro Offer

Fuel surcharge of 2.5% waiver at HPCL Petrol pumps.

• Reward Points Offer

On every spent of Rs.200 get 3 reward points.

4) ICICI Bank Woman's Debit Card

• Reward Points Offer

On every spent of Rs.200 get 3 reward points.

• Other Offer

Enjoy a cash withdrawal limit of Rs.25, 000 per day and transaction limit of Rs.25, 000 per day.
Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in.


4) ICICI Bank Smart Shopper Gold Debit Card

• Petro Offer

Fuel surcharge of 2.5% waiver at HPCL Petrol pumps.

• Reward Points Offer

On every spent of Rs.200 get 3 reward points.

• Other Offer

Enjoy a cash withdrawal limit of Rs.50,000 per day and transaction limit of Rs.50,000 per day.
Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in.

5) ICICI Bank Smart Shopper Silver Debit Card

• Other Offer

Enjoy a cash withdrawal limit of Rs.25, 000 per day and transaction limit of Rs.25, 000 per day.
Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in.

• Reward Points Offer

On every spent of Rs.200 get 3 reward points.

• Petro Offer

Fuel surcharge of 2.5% waiver at HPCL Petrol pumps.

6) ICICI Bank HPCL Debit Card

• Other Offer

Enjoy a cash withdrawal limit of Rs.25, 000 per day.

• Petro Offer

Fuel surcharge of 2.5% waiver at HPCL Petrol pumps.
Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in.

• Reward Points Offer

On every spent of Rs.200 get 3 reward points.

SBI Debit Card Offers
c. SBI Gold – Master Card

• Reward Points Offer

On ever spent of Rs.100 get 1 loyalty points which is equal to Re.0.25.

• Shopping Offer

Special discounts on shopping, entertainment etc.

• Other Offer

Enjoy a cash withdrawal limit of Rs.50, 000 per day and transaction limit of Rs.2lac per day.
Complementary insurance- Accidental death Rs.2 Lacs and purchase protection of Rs.5, 000.

SBI Gold – Visa Card

• Other Offer

Enjoy a cash withdrawal limit of Rs.50, 000 per day and transaction limit of Rs.2lac per day.
Complementary insurance- Accidental death Rs.2 Lacs and purchase protection of Rs.5, 000.
Discounts on Visa Bill pay, Mobile Top Up, Virtual cards solution for e-commerce and wide range of Discount on shopping, entertainment and leisure, and purchase etc.

• Reward Points Offer

On ever spent of Rs.100 get 1 loyalty points which is equal to Re.0.25.

Barclays Debit Card
1) Classic Debit Card

• Reward Points Offer

Earn100 points on every spent of Rs.200 at Ferns’N’Petals.

• Shopping Offer

At Ferns’N’Petals get 10% off on purchase upto Rs.1,000, 12.5% off on purchases above Rs.1001 to Rs.1500/-, 15% off on purchase above Rs.1501/-.(till 31 July’09 in valid in cities like Mumbai & Delhi).

2) Platinum Debit Card

• Shopping Offer

At Ferns’N’Petals get 10% off on purchase upto Rs.1,000, 12.5% off on purchases above Rs.1001 to Rs.1500/-, 15% off on purchase above Rs.1501/-.(till 31 July’09 in valid in cities like Mumbai & Delhi).

• Reward Points Offer

Earn100 points on every spent of Rs.200 at Ferns’N’Petals.

• Petro Offer

Petrol surcharge waiver across all petrol pumps.

Kotak Debit Cards
Kotak Gold Card

• Petro Offer

No surcharge of 2.5% across all petrol pumps.

Smart way to use Credit Card

The year ending always come with high expenditures, whether you want to buy new clothes for New Year party, new furniture for your home or anything else. And if you are among those who use your credit card frequently, you would be well to steer clear of following pitfalls.
1) Read the fine prints: Mostly people are not aware of the rate of interest, charges, and offers available on their credit card. Lack of knowledge & awareness about the products results in miss usage of credit card.
2) Minimum amount due: The credit card users are in impression that paying minimum due amount every month will reduce their outstanding amount. Whereas, it actually pushes one into a debt trap. The card issuer considers the remaining balance to be overdue and charges a heavy interest, which could vary from 42-49% per annum. Given this, the debt burden is unlikely to be eased by paying the minimum amount due.
3) Pending disputes: Whenever a dispute arise against our credit card, the credit card issuer follow us through phone calls or by text message, but we simple ignore them and as a result at the time of payment late payment fees and other penalty charges are due on us.
4) Drawing cash from credit card: With your credit card you can withdraw cash through ATM but it is not advisable, as the interest charged on it is quite high. There is a misconception that the interest on the amount withdrawal will be charged after 45 days but very few knows this that the interest will be charged from the same day.
5) Overdrawing credit limit: Keep a check on the credit limit of your credit card. Using your credit card above your credit limit will result in huge charges.
So, to enjoy festive in a happy mood do remember the above pointers.
Click here for apply credit cards