Visa Credit Cards

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:

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

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

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

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:

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.

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:

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.

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:

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.