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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.

Types of Visa Credit Cards

Here’s a list of Visa credit cards available in the market:

  1. Visa Classic Credit Card

  2. Visa Gold Credit Card

  3. Visa Platinum Credit Card

  4. Visa Signature Credit Card

  5. Visa Infinite Credit Card

 

Different types of Visa credit cards offer varied benefits to make cashless transactions easy. 

Card-specific Features and Benefits

Types

Features and Benefits

Visa Classic Credit Card

  • Emergency credit card replacement anytime

  • Offers on categories such as business essentials, food and wine, lifestyle, retail, travel, and more

Visa Gold Credit Card

  • Revolving line of credit along with a high spending limit

  • Travel, medical, and legal referral and assistance when travelling

  • Emergency cash and card disbursal

  • Special Visa credit card offers worldwide across categories such as retail, dining, travel, and entertainment

Visa Platinum Credit Card

  • Some of the best Visa credit card deals, offers, and privileges

  • Visa Platinum concierge with a 24x7 digital personal assistant that doubles as a lifestyle guide so that you can avail exclusive privileges and extraordinary experiences

Common Advantages and Perks

  • 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

Best Visa Credit Card Provided by Top Issuers in India

Visa credit cards by some of the best issuers in the country are mentioned below:

Credit Card

Visa Credit Card Charges

Credit Card Benefits

Axis Bank Neo Credit Card

Joining Fee: ₹250+ GST

Annual Fee: ₹250+ GST

Shopping and Food

Indian Oil Axis Bank Credit Card

Joining Fee: ₹500+ GST

Annual Fee: ₹500+ GST

Entertainment and Fuel

Axis Bank MY ZONE Credit Card

Joining Fee: ₹500+ GST

Annual Fee: ₹500+ GST

Shopping, Travel, Food and Entertainment

Simply CLICK SBI Credit Card

Joining Fee: ₹499+ GST

Annual Fee: ₹499+ GST

Shopping, Entertainment, and Fuel

SBI Card ELITE

Joining Fee: ₹4,999+ GST

Annual Fee: ₹4,999+ GST

Shopping, Entertainment, Fuel, Dining

ICICI Bank Rubyx Credit Card

Joining Fee: ₹3,000+ GST

Annual Fee: ₹2,000+ GST

Entertainment and Fuel.

ICICI Bank Sapphiro Credit Card

Joining Fee: ₹6,500+ GST

Annual Fee: ₹3,500+ GST

Shopping, Travel, Food and Rewards.

RBL Platinum Plus SuperCard

Joining Fee: ₹999+ GST

Annual Fee: ₹999+ GST

Fuel, Shopping and Entertainment

RBL World Prime SuperCard

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.

How to Apply for a Visa Credit Card on Bajaj Markets

You can apply for a card online or through Bajaj Markets by following this process:

  1. Click on the ‘Apply Now’ button

  2. Enter the requested details

  3. Browse through the best Visa credit cards and compare options

  4. Select the card that matches your needs

  5. 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.

What is Visa PayWave

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.

Where are Visa Credit Cards Accepted

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.

How to Make the Visa Credit Card Payment

Visa credit card bill payments can be done online. Follow this process:

  1. Visit the net banking portal of the bank which has issued your Visa credit card.

  2. It may ask you to log in to your account using your credentials

  3. Navigate to the credit cards section and select bill payment

  4. Select the card for which you want to pay the bill

  5. Enter the mode of payment

  6. 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.

Visa Credit Card Offers

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.

Visa Debit Card vs Visa Credit Card

Here are the main differences between Visa debit cards and Visa credit cards:

Source of Funds

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.

Interest Charges

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.

Application Process

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.

Frequently Asked Questions

What card type is a Visa credit card?

Visa credit cards are cards that use the Visa Network, one of the world’s largest card payment networks, to process payments.

Which Visa card is the best?

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.

Can Visa cards be used internationally?

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.

How can I apply for a Visa Credit Card?

To apply for a Visa credit card online or through Bajaj Markets, follow these steps:

  1. Go to the ‘Credit Cards’ section and click on ‘Apply Now’

  2. Enter the requested details and check your offer

  3. Browse the best Visa credit cards and compare their features

  4. Select the card that suits you

  5. Fill in all applicable details in the Visa credit card application form online

  6. Submit it to complete the application process

What special offers can I get on a Visa credit card?

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.

What are the features of a Visa credit 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.

What is the Visa network?

Visa is a global financial services network that processes electronic payments. Financial institutions partner with the Visa network to offer various types of cards. 

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