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Updated: 25-07-2019 07:30:04 AM

Visa is among the largest card payment networks of the world. It offers a secure and convenient network for facilitating electronic payments. Excluding China, where UnionPay is the widespread payment network, Visa has 50% share of the global card payments market. There are various Visa credits such as ICICI Bank Sapphiro Visa Credit Card, HSBC Visa Platinum Credit Card, Paytm First Visa Platinum Credit Card, etc.

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Types of Visa Credit Cards
Contactless Payments- Visa PayWave
FAQs

Types of Visa Credit Cards

Visa has collaborated with multiple banks and NBFCs throughout the world to offer Visa-branded payment products. One such product is the Visa credit card. Along with the convenience and security of making cashless payments, Visa also extends facilities like emergency card replacement, cash advance and insurance. The benefits will vary according to the type of Visa Card.

Banks can issue the following types of Visa Credit Cards:

Visa Classic
This is a basic Visa credit card and is accepted at millions of locations across the world. Benefits of Visa Credit Card include:

  • Emergency card replacement facility, anywhere in the world
  • General assistance from anywhere across the globe through the 24×7 Global Customer Assistance Services
  • Emergency cash advance benefit as the card lets you access cash at 1.9 million ATMs in 200+ countries

Visa Gold
This is a step up from the Classic Visa Credit Card. In addition to the facility of emergency card replacement, cash advance and customer assistance, the gold card offers the following benefits:

  • Travel assistance
  • Special offers at retail, entertainment, travel and dining around the world
  • Medical and legal referral assistance

Visa Platinum
The platinum Visa services lets one experience the finer things in life with bigger rewards. Some of its benefits are:

  • Accepted at millions of merchants and ATMs worldwide
  • Multiple deals and discounts on retail, travel, dining, etc.
  • 24×7 platinum concierge service for travel reservations, movie ticket booking, gifting and more
  • Enjoy a number of Visa offers

Visa Signature
Providing an exceptional spending power, this Visa Card gives one exclusive privileges according to his/her lifestyle. The card has similar benefits as the gold card including global customer assistance,  worldwide acceptance, etc. However, the offers on this card are better as compared to the other versions. In addition to these, complimentary access to airport lounges can also be availed.

Visa Infinite
This type of Visa card offers elite features and benefits to the users. This includes the infinite travel concierge service that gives travel research and reservations assistance. You can also buy gifts for your loved ones or book movie tickets. The users can also get access to round-the-clock customer service assistance. Like all other Visa Credit Cards, the Infinite Cards are also accepted at millions of merchant terminals across 200+ countries and at 1.9 million ATMs worldwide. Access to select domestic airport lounges is also offered.

Contactless Payments- Visa PayWave

Visa has recently launched the contactless payments technology- Visa PayWave. Using this, one can make payments up to Rs. 2,000 at NFC-enabled POS terminals without swiping his/her card in the machine. The only condition is that one’s card should be contactless and the POS should be NFC-enabled.

Also Read: What are Contactless Cards and Virtual Credit Cards?

Did you know?

Visa does not extend credit or issue cards nor does it set rates and fees on the products. It is only a payment network that facilitates transactions among banks, consumers and merchants.

FAQs

Can I get special offers on Visa Credit Cards?

Yes. Visa credit cards come with some exclusive offers. These may vary on the basis of card type.

How safe are contactless payments?

Contactless payments are very secure and also they allow only Rs. 2,000 to be paid at one time thus reducing the risk.

How do I know whether a POS machine accepts contactless payments?

Only the POS machines that have the Near Field Communication technology can accept contactless payments. Look for the contactless sign at the POS; it will be the same as the contactless sign on your card.

What is Verified by Visa?

Verified by Visa is a password-protected authentication system designed to make online payments more secure. It confirms the identity of the user by requesting a password known only to the cardholder.

What if I lose my Visa Credit Card in a foreign country?

Visa offers emergency card replacement facility across the world. The universal number for the same is +1 303 967 1090.

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