Credit Card - Online Banking & Financial Services

What is a credit card?

A credit card is a thin rectangular piece of plastic or metal purchased from a bank or financial services company.

Credit cards offer you a line of credit that can be used to make purchases, balance transfers and/or cash advances and requiring that you pay back the loan amount in the future. When using a credit card, you will need to make at least the minimum payment every month by the due date on the balance

Beyond convenience, advantages of credit cards include:

Opportunity to build credit.
Earn rewards such as cash back or miles points.
Protection against credit card fraud.
Free credit score information
No foreign transaction fees.
Increased purchasing power.
Putting a hold on a rental car or hotel room

How do credit cards work?

Credit cards can be used to make purchases online or in stores and pay bills.

A credit card is a convenient financial product that can be used for everyday purchases such as gas, groceries, and other goods and services. It can also be a great resource for purchasing big-ticket items such as TVs, travel packages, and jewelry because the funds for these items are not always immediately at our disposal.

Benefits of using a credit card:

A credit card is safer than carrying cash.
Earn rewards points when you spend.
Credit cards work in any currency.
Credit cards give you an emergency line of credit.
You can consolidate debts and save money on existing balances.
Credit cards offer flexibility.
You can make online purchases.
Can help in times of crisis. .

Credit cards facility

We provide all the credit card facilities to our customers.

We provide customers with a variety of credit cards based on the convenience of work.

Standard credit cards
Rewards credit cards
Charge cards
Subprime credit cards
Limited purpose cards
Balance transfer credit cards
Student credit cards
Secured credit cards
Prepaid cards
Business credit cards

Using credit card

We can use our credit cards daily for all that work

When you use our credit card, can make a purchase, you're essentially using the credit card of our Bank money. You then pay that money back to our credit card, with or without interest, depending on the timing of your payment. Our credit card gives you a credit limit you can make purchases against,

Balance transfers

Our Credit Card balance transfer fees (which typically range 3%–5% of the transfer amount) to entice cardholders. Also offer a promotional or introductory period of six to about 18 months where no interest is charged on the transferred sum..

Everyday spending

This card only earns 1% cash back on everyday expenses. However, the real reason our Bank Cash Preferred is a top everyday spending card is for its incredibly lucrative bonus categories that hit home with many people.

Large purchases

It's important to make sure that you're financially ready to make a large purchase--and that it fits in your budget. What qualifies as a big purchase can vary from person to person, taking into account your household income, amount of debt, or size or your retirement savings..

Travel

Travel credit cards can help you earn rewards which can make your travel cheaper but ensure that these rewards are more than the fees you pay. The rate of interest charged by travel cards is as high as that charged by credit cards.

UTB Bank Credit Cards