Visa Credit Cards – Benefits, Types & How to Apply

Visa Classic Credit Card:

This card is among the most widely used credit cards in the world which offers 24/7 assistance in case of an emergency. This Visa card is accepted for any kind of shopping, travelling or dining transaction.

Visa Gold Credit Card:

This card gives access to a higher credit line along with emergency card replacement as well as access to cash disbursal while travelling. With the Gold credit card, you will also have access to travel, legal and medical assistance all throughout the year. You will also be entitled to special offers on travel, dining and retail purchases all over the world.

Visa Platinum Credit Card:

This is a premium credit card offered by VISA. You as a Platinum credit cardholder will receive a wide range of benefits and rewards. This credit card is accepted widely by merchants all over the world. You can avail offers from various leading hotels, electronic retail stores, medical stores, etc.

Visa Signature Credit Card:

By holding a Visa Signature credit card, you will be entitled to a number of benefits and services from the bank. The Signature credit card is accepted all over the world and provides you with 24/7 concierge services. A wide range of offers is given to the cardholder such as hotel benefits, travel benefits as well as shopping benefits.

Visa Infinite Credit Card:

This is an elite credit card offered by Visa. This card offers a wide range of benefits and offers such as shopping benefits, dining benefits as well as hotel and travel benefits. The Infinite card is a globally accepted credit card with constant concierge service available in case of emergency.

What is the VISA network?

Visa Inc is an organization that enables the payments which are paid with debit and credit cards issued by the company, between merchant banks and the customer bank.

Visa also works as a settlement network for the banks who issue the cards and charges a small portion of the money as the payment processing fee. Along with this, the payments carried out through the Visa network are secured with an additional level of online security.

Where is Visa Accepted?

Visa credit and debit cards are accepted in more than 200 countries all over the world by merchants as a method of payment. It is accepted amongst a number of options of payment categories. The visa credit card serves as a payment connection between financial institutions, businesses, merchants and the government.

How to get a VISA Credit Card?

To apply for a Visa credit card, visit the website of visa and click on the card you wish to apply for. Select the option called 'apply now'. The application form needs to be filled with the details and submit it.

However, if you wish to apply for a visa credit card through BankBazaar, here are the steps which need to be followed:

1. Visit the Bankbazaar Credit Card Section.
2. Click on the credit card you want to apply for.
3. Click on the "Check Eligibility" option.
4. Select the option of 'instant apply'.
5. Select 'Credit Card Online Application Form' and fill the form with the required details.
6. Upload the documents which are required in the form and then click on 'Submit'.

How many VISA Cards are there?

The number of Visa cards, whether debit or credit depends on the bank. Each bank offers a different number of Visa credit or debit cards. The number of Visa cards depends on the type of card as well. The number of cards under the category of shopping will vary from the cards issued under the lifestyle category or the travel category.

Visa Credit Card Bill Payment

To pay your Visa credit card bill,

1. Visit the official website of Visa and choose the option of bill payment.
2. Choose your country and then click on the type of credit card you have.
3. Enter your credit card number and then click on 'pay'.

Apart from the official website of Visa, the credit card bill payment can also be done through a number of third-party websites such as Paytm and Billdesk.

VISA Credit Card Offers

Visa credit cards have a wide range of credit card offers and benefits which is given depending on the type of credit card you hold. With a Visa Classic credit card, the benefits you get are considerably less compared to the other cards.

Visa Gold credit cards offer a wide range of benefits such as hotel discount privileges, dining benefits as well as shopping offers. Platinum credit cards, Signature and, Infinite credit cards offer an increased number of benefits and offer on hotel bookings and stay, dining, shopping as well as medical discounts.

VISA Debit Card vs VISA Credit Card

A Visa debit card utilizes the funds which are available in your savings account. The debit card is linked to the savings account of the bank and the card is to access the funds through withdrawal whenever necessary.

The primary difference between a credit card and a debit card is a Visa credit card is a form of plastic money which is the form of credit from the bank. With every transaction made through a credit card, the bank will keep a record of it. At the end of every month, you will have to pay the amount back along with a certain rate of interest decided by the bank.

VISA vs Mastercard

Visa offers three primary levels of membership which are:

1. Base
2. Signature
3. Infinite

Visa offers a better coverage on car rental insurance when compared to MasterCard however this benefit is not available for Visa credit cardholders in a few countries. To know more, you can visit the website of Visa.

For the gold and other elite cardholders, the Visa credit card companies often offer 24/7 concierge services to handle tasks for the consumer. These services provide access to airline tickets, restaurant bookings, hotel reservations, and often suggestions of gift purchases depending on various factors.

MasterCard

Master Card as well offers three levels of membership:

1. Base
2. World
3. World elite

MasterCard offers the facility of 'Return Protection' with very few cards, whereas Visa's signature cards widely carry that service. This facility states that you can return product purchases within 90 days from its date of purchase. MasterCard has a comparatively better cost protection service, which means if you buy something with your MasterCard and then eventually the retailer reduces the price of that product within 2 months, MasterCard will refund you with the difference amount.

VISA vs Rupay

One of the major differences between Visa and Rupay Card is that Rupay is an Indian domestic card and Visa is an international financial corporation. Rupay card was introduced in the payment system of India in order to reduce the use of foreign payment gateways such as Visa and MasterCard. Firstly, as they are foreign companies and secondly because the commission, they charge is high. This also results in the increase in the cost of transaction.

Hence, RuPay credit card is curated specifically for the Indian population along with its own payment gateway. This credit card works like the Visa or Master Card but with a low commission. RuPay facilitates electronic payment at all Indian banks and financial institutions.

List of VISA Credit Cards with No Annual Fee

Often individuals look for credit cards that come without the liability of an annual fee. Credit cards with no annual fee are not only more affordable but they are easy to maintain as well. Visa offers a number of credit cards that come without the hassle of paying an annual fee. Listed below are some of the most preferred credit cards that can be owned without having to pay any annual fee.

Note - These credit cards are promoted as lifetime free, but some banks may have small conditions to keep them that way. You might need to apply through specific channels, make at least one transaction every 6 to 12 months, or meet a minimum annual spend - usually around ₹10,000 to ₹30,000. It’s always a good idea to check the fine print before applying.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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