This document provides information about debit and credit cards in India. It introduces when debit and credit cards were introduced in the 1970s by Corporation Bank and Andhra Bank respectively. It describes debit cards as plastic cards that provide an alternative payment method to cash and allow for instant withdrawals of cash. Credit cards allow users to borrow money for purchases and pay it back later with interest. The document outlines the different types of debit and credit cards and parties involved in transactions. It discusses trends of increased debit and credit card usage in India. Finally, it compares features and fees of cards from SBI and HDFC Bank and identifies problems faced by card holders like unauthorized purchases, privacy breaches, and identity theft.
This presentation is about the basic information of credit card.
Topics that are covered in this presentation:
1.What is Credit Card ?
2.About credit card network and company
3.Features of Credit Card
4.How does credit card work ?
5.Hologram and Ultraviolet Mark
6.advantages and disadvantages of a credit card
7.Safety tips
This presentation is about the basic information of credit card.
Topics that are covered in this presentation:
1.What is Credit Card ?
2.About credit card network and company
3.Features of Credit Card
4.How does credit card work ?
5.Hologram and Ultraviolet Mark
6.advantages and disadvantages of a credit card
7.Safety tips
A debit is an accounting entry that either increases an asset or expense account, or decreases a liability or equity account. It is positioned to the left in an accounting entry. A credit is an accounting entry that either increases a liability or equity account, or decreases an asset or expense account.
A debit is an accounting entry that either increases an asset or expense account, or decreases a liability or equity account. It is positioned to the left in an accounting entry. A credit is an accounting entry that either increases a liability or equity account, or decreases an asset or expense account.
The presentation provides an basic overview on the payment card industry from history to future technology adoption. Work in progress for in-depth presentation.
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IDFC FIRST bank’s ‘Vishesh Savings Account’ comes under its rural savings account scheme.
IDFC FIRST Bank's Vishesh Savings Account is a testament to putting their customers first.
It offers 6% p.a on Vishesh Savings account for balances up to ₹1 Crore.
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Know the most important terms & conditions for getting a credit card with RBL bank. Know the fees & charges, billing, withdrawal limits & more. Click here to get complete information.
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http://sandymillin.wordpress.com/iateflwebinar2024
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Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
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This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
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2. Introduction
Debit card n credit card introduced -1970’s
Corporation Bank-Debit card
Andhra Bank -Credit Card
3. Debit card
Plastic card - provides a alternative payment
method to cash when making purchases
Electronic check - the funds are withdrawn
directly from the account
BANK CARD or CHECK CARD
Instant withdrawal of cash, acting as the ATM
No annual fee
4. Types of Debit Cards
Pin only debit cards
Dual-use cards
Prepaid debit card
Online /offline debit cards and others
5. Credit Card
Card entitling its holder to buy goods and services
based on the holder's promise to pay for these
goods and services
User can borrow money for payment to a merchant
and then pay it later with an amount of interest
charged
Issued to an account holder who has a regular
income not less than 15k
8. Recent trends
Debit cards are more popular with consumers
than credit cards
Rise in credit & debit cards spending:
-Debit card spends have risen six times(Rs
74,400 cr)
-Credit card spends have more than doubled(Rs
1.23lakh cr)
Punching PIN must for debit card transactions
(from 1/12/13)
9. SBI
HDFC Bank
SBI Platinum Card
Joining Fee (One time)- Rs. 2,999
Fuel Freedom: 2.5% fuel surcharge
waiver for each transaction between
Rs.500 & Rs.4000
Platinum plus Credit Card
Annual Fee/Renewal - Rs. 299
0% Surcharge on petrol transactions
between Rs. 400- Rs. 5000 only
SBI Signature Corporate Card
Joining Fee (One time)Nil
Annual Fee (p.a.)- Upto Rs. 499
Railway Tickets - Railway CountersRs. 30 + 2.5% of transaction amount
Online Railway booking- 1.8% of
transaction amount + service charge, as
applicable
Corporate Visa Signature Credit Card
Joining Fee (One time)Nil
Annual Fee- Nil
Railway Ticket Purchase- Rs. 30 +
2.5% of transaction amount
SBI Platinum Corporate Card
Joining Fee/ Annual fee- Nil
Cash Advance fees:
SBI ATMs/Other Domestic ATMsupto 2.5% of withdrawal amount or
Rs.300/International ATMs- upto 3% of
withdrawal amount or Rs. 300/-
Corporate Platinum Credit Card
Joining Fee/Annual fee- Nil
Cash Advance fees:
upto 2.5% of withdrawal amount or
Rs.300/(whichever higher)
10. SBI
Air India SBI Platinum Card
Annual Fee- Upto Rs. 1499/-
HDFC Bank
Jet Privilege HDFC Bank Platinum
Credit Card
Annual Fee/Renewal Fee- Rs, 999/-
11. Features
Access Across the World
E-statements
SMS Alerts
Easy Bill Pay Facility
Interest Free Period: upto 50days
12. Penalty for Late Payment (SBI)
NIL for Total Amount due from Rs.0-Rs.200
Rs.100 for Total Amount due greater than Rs.200
& up to Rs.500
Rs.200 for Total Amount due greater than Rs.500
& up to Rs.1000
Rs.350 for Total Amount due greater than
Rs.1000 & up to Rs.5000
Rs.550 for Total Amount due greater than
Rs.5000 & up to Rs.10,000
Rs.750 for Total Amount due greater than
Rs.10,000
13. Penalty for Late Payment
(HDFC)
Bills up to Rs.100 Nil
Bills between Rs. 100 and Rs. 500 Rs.-100
Bills between Rs. 501 and Rs. 5,000 - Rs. 400
Bills between Rs. 5,001 and Rs. 20,000 - Rs. 500
Bills above Rs. 20,000 - Rs.700
15. Problems faced by Debit & Credit
Card holder
Problems
Unauthorized Purchases
Privacy Breaches
Identity Theft
Mass Hacking
Solution
-Reviewing statements each month
-Setting up fraud alerts with the major
credit reporting agencies (TransUnion,
Equifax and Experian )
-Avoid using wi-fi networks in public
-Change your password on regular
basis
- Avoid sharing Social Security on
fraudalent sites
-(credit card processing company
hacked in 2012)
-Contacting credit card issuer regularly
