Best credit card offers
A Credit Card can be defined in very simple words as Plastic money or a plastic card having a magnetic strip, which has been issued by a bank that enables the holder of the best credit card offers to make any transactions or purchases or withdraw (borrow) cash from their respective ATMs by swiping the card whenever needed and within the credit limit set for them by the bank. These cards are offered by various banks on different terms and conditions and with varied interest rates on the services offered to the consumers.
The Credit Card market is a very big market with lots of big financial institutions offering their cards at competitive rates and a bouquet of services. Different countries have different Country specific banks offering their best credit card offers.
The most common Credit Card companies that offer their cards worldwide are
Citibank
American Express
Standard Chartered Bank
Hong Kong Shangai Banking Corporation (HSBC)
Credit Cards can be broadly segmented into 2 types of cards, depending on the services offered and depending on the worldwide acceptance of the cards.
The 2 Dominant players in this field are
Master Card
Visa Card
What is a Master Card
MasterCard Incorporated is a membership organization that has 25,000 financial institutions jointly coming together to issue a best credit card offers or debit card known as the MasterCard.
What is a VISA Card
VISA is the collective effort of VISA International Service Association of San Francisco, California, USA and 21,000 financial institutions that issue and market Visa products. The VISA card was launched in 1976, and the card was taken forward from the earlier Bank Americard issued by the Bank of America. The VISA card also offers both Credit and Debit cards
Interest rates
This is the cost of maintaining a credit card and it varies over time. It is the yearly interest rate or percentage rate that you pay on an outstanding balance in the form of interest or the Annual Percentage Rate (APR). There is another charge called the Finance charge which is charged for the use of ATM Cash Withdrawals or to borrow cash from the bank. Interest is charged as a percentage of your outstanding. Different banks charge different APR for the different types of cards issued by them
Various frequent fliers cards offered:
Citi Bronze AAdvantage MasterCard
This card also offers other benefits like
There is no Annual Membership fee charged
Customers can redeem their travel miles earned with over 25 of the best airlines in the world, best car rentals and also luxurious hotels
Citi Gold / AAdvantage World MasterCard
This card also offers benefits like
Earn 12,500 Bonus Miles after the first purchase with the
Customers can redeem their travel miles earned with over 25 of the best airlines in the world, best car rentals and also luxurious hotels
No pre-set spending limit
This card also offers benefits like
Earn 15,000 Bonus Miles after the first purchase with the card
No blackout dates for Advantage award travel on American Airlines, American Eagle & American Connection carriers
No pre-set spending limit
Blue Sky from American Express
This card also offers benefits like
With every 1 dollar spent = 1 point
0% intro APR and No annual fee charged
Lucrative insurance offers like Travel Accident Insurance, Buyers Assurance Plan, and Return Protection available
Delta Airlines - Gold Delta Sky Miles Credit Card
This card also offers benefits like
Earn 17,500 Bonus Miles after the first purchase with the card
2,500 bonus miles for adding an Additional Card member
No annual fee charged for the first year
Sky Points Credit Card from Delta and American Express
This card also offers benefits like
Up to 75% discounts on airfares offered
Earn 7,500 Bonus Miles after the first purchase with the card
No annual fee charged for the first year
HSBC Mastercard Cash or Fly Rewards
This card also offers benefits like 0% Introduction APR on purchases and balance transfers for 12 months
No Annual Fee
ICICI BANK Travel Card
The ICICI bank offers various travel best credit card offers that makes travel abroad and in the domestic market efficient and easy
This card also offers benefits like
Available in US Dollars, Australian Dollars, Canadian Dollars, Swiss Francs, Euros and Pound Sterling.
There is a free Replacement Card given as part of the Travel Card Kit to take care of emergencies abroadA customer can access statements and balance online whenever needed
SMS Alerts & Worldwide Assistance for every transaction done on the account
The Miles Card from Discover Card
This card also offers benefits like
With every 1 dollar spent = 1 point earned
Earn 12,000 Bonus Miles after the first purchase with the card
No Annual Fee
The Discover Platinum Gas Card
This card also offers benefits like
Full 5% Cashback Bonus on gas and auto maintenance purchases
Earn 12,000 Bonus Miles after the first purchase with the card
$0 Fraud Liability No Annual Fee
Chase Travel Plus Platinum Visa Card
This card also offers benefits like
With every 1 dollar spent = 1 point earned
0% Introduction APR on purchases and balance transfers for 12 months
An Annual Fee as low as $29
Chase Travel Plus Platinum Visa Card
This card also offers benefits like
Earn 15,000 Bonus Miles after the first purchase with the card
With every 1 dollar spent = 1 point earned
An introductory low fixed APR of 7.99% on purchases and balance transfers for 6 months
United Airlines Mileage Plus Signature Visa Card
This card also offers benefits like
Earn 17,500 Bonus Miles after the first purchase with the card
With every 1 dollar spent = 1 point earned
$25 United discount travel certificate
British Airways Visa Signature Card
This card also offers benefits like
Earn 15,000 Bonus British Airways Miles after the first purchase with the card
With every 1 dollar spent on British Airways products = 2 points earned
With every 1 dollar spent on other purchases = 1 point earned
No pre-set spending limit
The Continental Airlines Business MasterCard from Chase
This card also offers benefits like
Earn 15,000 Bonus British Airways Miles after the first purchase with the card
5% discount on all Continental Fares purchased at Continental.com with the Continental Airlines World MasterCard
With every 1 dollar spent by either the employer or the = 1 point earned
An introductory low fixed APR of 7.99% on purchases and balance transfers for 6 months
Capital One No Hassle Miles SM Rewards
This card also offers benefits like
With every 1 dollar spent on purchases = 1.5 point earned.
No balance transfer fees.
No annual membership fee.
No blackout dates even during holidays.
Northwest Airlines - WorldPerks Visa Platinum Card This card also offers benefits like Up to 15,000-miles annual WorldPerks Award travel discount from Northwest Airlines Credit Line up to $7,500 With every 1 dollar spent at over 10,000 restaurants = 5 miles earned
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