Visa Credit Card

What is Visa Credit Card?

Visa is one of the world’s largest card payment networks. It facilitates electronic payments using a secure and convenient channel. A card that uses this widespread payment network of Visa to process a transaction is known as a Visa credit card. Such a card will have the official Visa branding on the face of the card to help you identify it. Many of the popular banks around the globe, as well as in the country, have partnered with Visa and designed credit cards that offer the functionalities and benefits of the Visa platform.

Visa Credit Card Types to Choose from

There are different types of Visa credit cards offering varied benefits to make your life comfortable. These are listed below-

Visa Classic Credit Card

The Visa classic credit cards can be used for shopping, travelling, or dining, anywhere, owing to its worldwide acceptance. You can also use the international Visa credit card in any of the 1.9 million ATMs, in over 200 countries and territories, to withdraw cash.

Visa credit card features and benefits-

• Get 24x7 assistance on general inquiries through Visa’s Global Customer Assistance Services

• Get an emergency credit card replacement anytime

• Get emergency cash advance anytime

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

Visa Gold Credit Card

The card lets you indulge in the finer side of life by offering you a revolving line of credit along with a high spending limit. You can use the card in any of the 1.9 million ATMs, in over 200 countries and territories, to withdraw cash.

Visa Gold credit card features and benefits-

• Get 24x7 assistance on general inquiries through Visa’s Global Customer Assistance Services

• Access travel, medical and legal referral and assistance when travelling

• Get emergency cash and card disbursal

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

Visa Platinum Credit Card

With the Visa Platinum card, you can get bigger rewards and privileges to make your experiences more memorable. This Visa credit card as a mode of payment is accepted worldwide by millions of merchants and can be used to withdraw cash from any of the 1.9 million ATMs globally.

Visa Platinum credit card features and benefits-

• Avail Global Assistance services to block your Visa cc account and receive a replacement card in case of loss of card

• Get access to some of the best visa credit card deals, offers, and privileges

• Enjoy special Visa Platinum concierge with a 24/7 digital personal assistant that doubles as a lifestyle guide so that you can avail exclusive privileges and extraordinary experiences

Visa Signature Credit Card

The Visa Signature credit card lets you explore a range of curated experiences customized for you. The card is accepted worldwide by millions of merchants and can be used to withdraw cash from any of the 1.9 million ATMs globally.

Visa Signature credit card features and benefits-

• Avail Global Assistance services to block your Visa cc account and receive a replacement card in case of loss of card

• Get access to some of the best visa credit card deals, offers, and privileges

• Enjoy special Visa Signature concierge with a 24/7 digital personal assistant that doubles as a lifestyle guide so that you can avail exclusive privileges and extraordinary experiences

Visa Infinite Credit Card

The Visa Infinite credit card is designed to offer life’s elite pleasures for you, just the way you like. The card is accepted worldwide by millions of merchants and can be used to withdraw cash from any of the 1.9 million ATMs globally.

Visa Infinite credit card features and benefits-

• Avail Global Assistance services to block your Visa cc account and receive a replacement card in case of loss of card

• Get access to some of the best visa credit card deals, offers, and privileges

• Enjoy special Visa Infinite concierge with a 24/7 digital personal assistant that doubles as a lifestyle guide so that you can avail exclusive privileges and extraordinary experiences

Some of the top Visa credit cards by major banks in the country are mentioned below-

How to Apply for a Visa Credit Card?

Visa credit cards are offered by several banks. If you wish to get a Visa credit card, you can apply for one online by following the steps mentioned below-

• Visit the Finserv MARKETS website

• Go to the credit card section

• Browse through the range of credit cards and select the best Visa credit card for you

• Enter the details requested for, such as email id, contact number, etc.

• Click on ‘Apply for credit card’

• Validate with the OTP received

• Fill in all applicable details in the Visa credit card application form online and check your eligibility for the card

Alternatively, you can also apply for a credit card from Visa, offline, by visiting the nearest branch of the bank from which you wish to get the card. You would need to carry all relevant documents and request a bank representative to assist you with the Visa credit card application. The representative would then check your eligibility and help you decide on the right credit card for you and apply for the same.

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 POS machine to pay for your purchase. There is no need to enter your PIN or part with your card. The maximum transaction amount for which you can use the contactless feature is INR 2,000.

Where is the Visa Credit Card 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 which have 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 Pay the Visa Credit Card Bill?

Visa credit card bill payment can be done online. The steps are as follows-

• Go to the net banking portal of the bank which has issued your Visa credit card

• Log in to your account using your credentials

• Go to credit cards and select bill payment

• Select the card you wish to pay the bill for

• Enter the mode of payment and click on Pay

• You will be redirected to the payment gateway where you can complete the payment

You can also opt to pay your credit card bill using the bank’s mobile app, or by visiting the nearest bank branch.