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Don't have cash but want to buy the lovely shirt you just saw. You can do that if you have a Credit Card. But make sure you are able to pay off the entire amount due at the end of the month or you will be stuck with very high interest bills. While choosing your credit card find out about the joining fees, annual fees, add-on card fees, cash withdrawal fees, interest on cash withdrawal, interest rate if you are not able to pay the full amount due at the end of the month and freebies such as fuel surcharge waiver on filling petrol.
By filling in the form alongside you can choose from among the leading banks issuing credit cards in India. And compare their offerings.
Banks can now decide on the service charges
RBI permitted bank to decide on service chargesApnaloan.com Research Bureau
22 Apr 2008
Reserve Bank of India (RBI) has given freedom to banks to decide on service charges for cash withdrawal using credit cards in India and for withdrawal of money in ATMs located abroad. As reported by Business Line, RBI in a notification said "The service charges for cash withdrawal with the use of credit cards and for withdrawals made in an ATM located abroad may be determined by the banks themselves."
RBI has notified that service charges have to be reduced to Rs. 20 per transaction which is carried out on other banks ATMs
From March 31, 2008 Banks would not be able to charge more than Rs. 20 for cash withdrawal from other banks and banks would also have to waive off the charges which will be effective from April 2009.
Balance inquiry from other bank's ATMs should be made free of cost with immediate effect.
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