Visa credit cards use the Visa payment network and are globally accepted. Financial institutions generally issue these cards in partnership with Visa.
Credit cards that use Visa’s widespread payment network to process transactions are called Visa credit cards. Visa is one of the world’s largest card payment networks and facilitates electronic payments using a secure and convenient channel. These cards are known to be a great choice for secure and safe transactions.
While they are powered by the visa network, they are issued by the partnering financial institutions. Such a card will have the official Visa branding to help you identify it. Several top banks in the country offer Visa credit cards.
Here’s a list of Visa credit cards available in the market:
Visa Classic Credit Card
Visa Gold Credit Card
Visa Platinum Credit Card
Visa Signature Credit Card
Visa Infinite Credit Card
Different types of Visa credit cards offer varied benefits to make cashless transactions easy.
Types |
Features and Benefits |
Visa Classic Credit Card |
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Visa Gold Credit Card |
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Visa Platinum Credit Card |
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Global Assistance services to block your Visa credit card
Accepted worldwide
24x7 assistance on general enquiries through Visa’s Global Customer Assistance Services
Emergency credit card replacement anytime
Some of the best Visa credit card deals, offers, and privileges
International Visa credit cards can be used at any of the 1.9 million ATMs in over 200 countries and territories to withdraw cash
Visa credit cards by some of the best issuers in the country are mentioned below:
Credit Card |
Visa Credit Card Charges |
Credit Card Benefits |
Joining Fee: ₹250+ GST Annual Fee: ₹250+ GST |
Shopping and Food |
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Joining Fee: ₹500+ GST Annual Fee: ₹500+ GST |
Entertainment and Fuel |
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Joining Fee: ₹500+ GST Annual Fee: ₹500+ GST |
Shopping, Travel, Food and Entertainment |
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Joining Fee: ₹499+ GST Annual Fee: ₹499+ GST |
Shopping, Entertainment, and Fuel |
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Joining Fee: ₹4,999+ GST Annual Fee: ₹4,999+ GST |
Shopping, Entertainment, Fuel, Dining |
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Joining Fee: ₹3,000+ GST Annual Fee: ₹2,000+ GST |
Entertainment and Fuel. |
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Joining Fee: ₹6,500+ GST Annual Fee: ₹3,500+ GST |
Shopping, Travel, Food and Rewards. |
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Joining Fee: ₹999+ GST Annual Fee: ₹999+ GST |
Fuel, Shopping and Entertainment |
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Joining Fee: ₹2,999+ GST Annual Fee: ₹2,999+ GST |
Fuel, Shopping and Travelling |
Disclaimer: The aforementioned charges are subject to change at the discretion of the card issuer.
You can apply for a card online or through Bajaj Markets by following this process:
Click on the ‘Apply Now’ button
Enter the requested details
Browse through the best Visa credit cards and compare options
Select the card that matches your needs
Fill in all applicable details in the Visa credit card application form online
Do note that to apply for a credit card, you must meet the credit card eligibility for the specific card.
Visa PayWave is Visa’s contactless payment system. If your card supports this feature, you can simply tap your card on the NFC-enabled Point-of-Sale (PoS) machine to pay for your purchase.
This feature eliminates the need to enter your credit card PIN. However, the maximum transaction amount for which you can use the contactless feature is ₹5,000.
Visa credit cards can be used at PoS machines and ATMs domestically as well as globally. The cards are accepted in over 200 countries across the world having access to the Visa payment network. You can also use the card online to pay for online transactions when you shop, pay utility bills, etc.
Visa credit card bill payments can be done online. Follow this process:
Visit the net banking portal of the bank which has issued your Visa credit card.
It may ask you to log in to your account using your credentials
Navigate to the credit cards section and select bill payment
Select the card for which you want to pay the bill
Enter the mode of payment
You will be redirected to the payment gateway, where you can complete the payment
You can also opt to make the credit card bill payment using the bank’s mobile app or by visiting the nearest bank branch.
The number of credit card offers that you can get on your Visa card can range from travel, lifestyle, home decor, entertainment, shopping, and more. These offers depend on the type of Visa credit card you have availed.
For instance, with the Visa Infinite Credit Card, you get to enjoy some of the most elite offers globally. Similarly, you can enjoy the deals and offers on Signature Visa card, Visa Gold credit card, or Visa Platinum credit card as per your preference.
Here are the main differences between Visa debit cards and Visa credit cards:
In Visa credit cards, the issuer grants you a credit limit based on various factors. You are only allowed to make transactions within this credit limit. On the other hand, Visa debit cards are linked to your savings account. When you make transactions, the amount is deducted directly from your account.
You need to pay interest charges on the spent amount of your Visa credit card bill, if you choose to pay only the minimum balance or make a partial payment. Conversely, there are no interest charges associated with a Visa debit card, as the amount is deducted from your savings.
You need to apply for a Visa credit card with a credit card issuer. If you qualify, you can send your application and the issuer will grant you a credit limit post approval. On the other hand, a Visa debit card may be issued to you automatically if you open a bank account.
Visa credit cards are cards that use the Visa Network, one of the world’s largest card payment networks, to process payments.
There are several Visa credit cards from some of the top banks to choose from. These include Axis Bank Neo Credit Card, IndianOil Axis Bank Credit Card, Axis Bank MY ZONE Credit Card, SimplyCLICK SBI Credit Card, SBI Card ELITE, ICICI Bank Sapphiro Credit Card, etc. The one that fits your financial needs would work best for you.
Visa credit cards use the Visa Network, which is of US origin, to process transactions. They are accepted worldwide and hence double as international credit cards. However, it is best to check with your issuer for a detailed understanding and the terms of use.
To apply for a Visa credit card online or through Bajaj Markets, follow these steps:
Go to the ‘Credit Cards’ section and click on ‘Apply Now’
Enter the requested details and check your offer
Browse the best Visa credit cards and compare their features
Select the card that suits you
Fill in all applicable details in the Visa credit card application form online
Submit it to complete the application process
Visa credit cards offer some of the best deals, offers, and privileges across multiple categories such as travel, dining, shopping, and more. The specific type of offers you can avail varies from card to card.
Visa credit cards come with 24x7 global assistance, emergency cash and card disbursal, and a range of specially curated offers. The cards are universally accepted and can be used for cash withdrawal at 1.9 million ATMs globally.
Some of the best Visa credit cards also offer special Visa concierge service with a 24x7 digital personal assistant and lifestyle guide.
Visa is a global financial services network that processes electronic payments. Financial institutions partner with the Visa network to offer various types of cards.