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Credit Card

A credit card is part of a system of payments named after the small plastic card issued to users of the system. It is a card entitling its holder to buy goods and services based on the holder's promise to pay for these goods and services. The issuer of the card grants a line of credit to the consumer from which the user can borrow money for payment to a merchant or as a cash advance to the user. Usage of the term "credit card" to imply a credit card account is a metonym.

A credit card is different from a debit card, where a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers to 'revolve' their balance, at the cost of having interest charged. Most credit cards are issued by local banks and are the shape and size specified by the ISO/IEC 7810 standard as ID-1. This is defined as 85.60 x 53.98 mm in size.

Credit cards are issued after an account has been approved by the credit provider, after which cardholders can use it to make purchases at merchants accepting that card.

But which credit card to choose from is still a million dollar question to many. We at Moneyduniya.com, have brought together all the credit card providers like ICICI Bank, Axis Bank, HDFC Bank, SBI etc. under one roof. Through our Comparator, you can compare their interest rates, interest free credit period; annual charges etc and choose the best one for self

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