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Indian Banking product: Credit card

 

9. CREDIT CARDS (क्रेडिट कार्ड)







Definition:

Jab bank ek plastic card (credit card) ke madhyam se customer ko udhaar (loan) par shopping karne ki suvidha deta hai, to ise Credit Card kehte hain.

Credit Card kaise kaam karta hai?

  • Bank ek limit (₹50,000, ₹1,00,000, etc.) tak kharch karne ki anumati deta hai.

  • Customer shopping karta hai aur bill ka payment 30-50 din ke andar karta hai.

  • Agar payment due date tak nahi kiya, to interest (byaaj) lagta hai.

Credit Card ke Pramukh Prakar (Types of Credit Cards)







  1. Basic Credit Card – Normal customers ke liye.

  2. Premium Credit Card – High-income customers ke liye (extra benefits jaise lounge access, cashback, etc.).

  3. Business Credit Card – Business-related transactions ke liye.

  4. Student Credit Card – College students ke liye, jisme kam limit aur no credit history required hoti hai.

  5. Cashback Credit Card – Jisme shopping par cashback milta hai.

  6. Travel Credit Card – Flights aur hotels booking par special discounts aur air miles milte hain.

Credit Card ke Fayde (Benefits of Credit Cards)





✔ Interest-free period – 30-50 din tak bina byaaj ka udhaar.
✔ Emergency fund – Jab turant paisa chahiye, tab kaam aata hai.
✔ Reward Points aur Discounts – Shopping karne par free gifts, cashback aur discounts milte hain.
✔ EMI Facility – Badi purchases ko monthly EMI me convert kar sakte hain.
✔ Online & International Payments – Aap globally kahin bhi use kar sakte hain.

Credit Card ke Nuksan (Disadvantages)

❌ Zyada kharch hone ka risk – Kyunki paisa turant mil jata hai, log zyada kharch kar dete hain.
❌ Interest charge (18-48%) – Agar time par payment nahi kiya, to byaaj bahut high hota hai.
❌ Hidden charges aur late fees – Galti se due date miss karne par penalty lagti hai.

Example: Real-Life Credit Card Case

Suresh ne ek ₹50,000 ka phone kharida credit card par EMI par. Usko turant paisa dene ki zaroorat nahi padi aur usne 6 mahine me EMI chuka di.

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