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-

Card Name

Visa Credit Card Charges

Axis Bank Neo Credit Card

Joining Fee- INR 250+ GST

Annual Fee- INR 250+ GST

IndianOil Axis Bank Credit Card

Joining Fee- INR 500+ GST

Annual Fee- INR 500+ GST

Axis Bank MY ZONE Credit Card

Joining Fee- INR 500+ GST

Annual Fee- INR 500+ GST

SimplyCLICK SBI Credit Card

Joining Fee- INR 500+ GST

Annual Fee- INR 500+ GST

SBI Card PRIME

Joining Fee- INR 2999+ GST

Annual Fee- INR 2999+ GST

SBI Card ELITE

Joining Fee- INR 4999+ GST

Annual Fee- INR 4999+ GST

SimplySAVE SBI Credit Card

Joining Fee- INR 499+ GST

Annual Fee- INR 499+ GST

BPCL SBI Card

Joining Fee- INR 499+ GST

Annual Fee- INR 499+ GST

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.

Frequently Asked Questions About Visa Credit Card

  • ✔️What is the Visa network?

    Visa is one of the world’s largest card payment networks. It facilitates electronic payments using a secure and convenient channel.

  • ✔️What special offers can I avail on Visa credit card?

    The Visa credit card offers some of the best deals, offers, and privileges across multiple categories such as travel, dining, shopping, and more. The type of offers you can avail varies from card to card.

  • ✔️What are the features of a Visa credit card?

    The 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 in 1.9 million ATMs globally. Some of the best Visa credit cards also offer special Visa concierge service with a 24/7 digital personal assistant and lifestyle guide.

Happy Customers of Finserv MARKETS

Getting a loan to take care of my wedding and relieving my parents to enjoy the occasion was the best decision I ever made. Easy-to-apply, amazing interest rate and quick disbursal, what more can one ask for!

I am passionate about the vehicle I drive. I want to protect it with the best available option. What amazed me was the full transparency, quick quotes and the attractive discount on the premium while choosing the annual payment option!

Check your personal loan eligibility in seconds!

My husband and I will finally move into our own house this Diwali. All thanks to Finserv Markets, with competitive interest rates, minimal processing fees and easy to repay EMIs, our dream saw the light of reality in no time!

Get the best FD interest rates starting @ 8.40%. Let's start!

Kids grow up fast and to fulfill their dream trip to Disneyland I had everything but instant funds. With no collateral or guarantor required and a hassle-free processing, I gifted my family a memorable trip to Orlando with just a click!

Get sum insured up to 1 Crore! Let's start!

The best way to start looking for health insurance is to do a close study of the coverage needs and checking the insurance company's claim ratio. No unnecessary jargons, easy to apply claims process and choice of premium!

Zero additional charge on part-payment option on Business loans! Let's start!

I bought my first iPhone using my Bajaj Finserv EMI Network Card. Zero downpayment with a No cost EMI on Bajaj Finserv EMI store just made my day!

Get home loan sanctioned online in 72 hours! Let's start!