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Whether you want to earn rewards or save more with discounts and deals, you will never fall short of Credit Card options. Paisabazaar is the right place to find the card that best fits your needs.

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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 20/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 20/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :20/01/2020

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Updated: 10-12-2019 12:56:58 PM

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 SBI SimplySAVE Visa Credit Card, HSBC Visa Platinum Credit Card, HDFC MoneyBack Visa Credit Card, etc.

10 Best Visa Credit Cards in India for 2020
Also Read on this page
Types of Visa Credit Cards
Contactless Payment - Visa payWave
Where can Visa Credit Cards be Accepted?
How to get a Visa Credit Card?
Difference between Visa, MasterCard and RuPay Credit Cards
Best Visa Credit Cards Provided by Top Banks in India
FAQs

10 Best Visa Credit Cards in India for 2020

Visa Credit Card

Joining Fee

Best Suited for

SBI Card ELITERs. 4,999Premium Lifestyle
HSBC Visa Platinum Credit CardNilShopping
MMT ICICI Bank Visa Signature Credit CardRs. 2,500Travel
HDFC Regalia Credit CardRs. 2,500Airport Lounge Access
Standard Chartered Manhattan Platinum Credit CardRs. 999Dining
Citi Cashback Credit CardRs. 500Cashback
SBI SimplyCLICK Credit CardRs. 499Online Shopping
Citi PremierMiles Credit CardRs. 3,000Air Travel
Air India SBI Signature Credit CardRs. 4,999Air Travel
Standard Chartered Ultimate Credit CardRs. 5,000Premium Lifestyle

Types of Visa Credit Cards

Visa has collaborated with multiple banks and NBFCs 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 vary according to the type of Visa Card.

Banks can issue from among the following types of Visa Credit Cards:

Visa Classic Credit Card

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 Credit Card

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 Credit Card

The Visa Platinum 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 Credit Cards

Providing an exceptional spending power, this Visa Card gives a cardholder exclusive privileges according to his/her lifestyle. Benefits of this card are as follows:

  • The card has similar benefits as the gold card including global customer assistance,  worldwide acceptance, etc.
  • Visa Concierge services to research destinations, book travel tickets, shows and plays, buy gifts for loved ones, etc.
  • Global customer assistance to block the lost card anywhere in the world
  • Emergency card replacement and cash across the globe
  • Exclusive discounts and deals at hotels, supermarkets, retail outlets and more
  • Offers on fine dining, travel, etc.

Visa Infinite Credit Card

This is the premium version of Visa credit cards that offers elite features and benefits to the users. Benefits covered in this category are as follows:

  • This card offers infinite travel concierge service that gives travel research and reservations assistance
  • You can also buy gifts for your loved ones or book movie tickets
  • 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 and international airport lounges is also offered

Contactless Payment - Visa payWave

Visa has recently launched the contactless payments technology- Visa payWave. Basic features of this facility are mentioned below:

  • Using Visa payWave, one can make payments up to Rs. 2,000 at NFC-enabled POS terminals without swiping his/her card in the machine
  • No pin is required for making transactions through the payWave technology
  • The only condition is that one’s card should be contactless and the POS should be NFC-enabled
  • Once the seller enters the amount, three green ligts blink on the POS machine where the cardholder has to tap the Visa payWave credit card and the payment will be done instantly

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.

Where can Visa Credit Cards be Accepted?

Visa credit cards are accepted in over 200 countries and territories across the globe.

In India, Visa credit cards can be used at Point of Sale (PoS) machines, online payments, ATMs and for balance addition in wallets.

Contactless Visa credit cards can also be used to make payments using the PayWave feature at NFC-enabled PoS machines.

How to get a Visa Credit Card?

One can apply for a Visa credit card from providers both online and offline. These cards can be applied online through a bank’s/NBFC’s website or through a marketplace such as Paisabazaar.com.

One can also get a Visa credit card offline by visiting the bank and applying for it in the bank.

In order to apply for a Visa credit card online, follow the steps mentioned below:

  • Visit the credit card portal of Paisabazaar to start the application process by clicking here
  • Enter basic details such as monthly income, occupation, mobile number and city of residence
  • A list of credit cards will be displayed as per the details entered by you
  • Choose a Visa credit card of your choice and check your eligibility for it
  • If you meet the eligibility criteria, you can proceed with the application by providing the documents required for a Visa credit card
  • The application is forwarded to the respective bank which check the application
  • After primary approval, a bank representative will get back to you for documents and other details
  • Once approved, the Visa credit card will be dispatched to you

Difference between Visa, MasterCard and RuPay Credit Cards

VisaMasterCardRuPay
Place of OriginUSAUSAIndia
AcceptanceWorldwideWorldwideWithin India
Processing and VerificationOutside IndiaOutside IndiaWithin India
Contactless PaymentVisa payWavePayPassRuPay Contactless
Quarterly FeeApplicableApplicableFree
Entry FeeApplicableApplicableFree
Payment Processing TimeHighHighLow
Insurance CoverOn select cardsOn select cardsOn all cards
Fuel Surcharge WaiverOn select cardsOn select cards1% on all cards
Cashback on Utility BillsReward Points on most cardsReward Points on most cardsCashback up to a certain limit on all cards

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 and banks that provide the card.

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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