Top ING Vysya Bank Credit Cards in India

ING Vysya Bank is an Indian multinational bank which has a tie up with the Dutch ING Group. The bank is based in Bangalore, Karnataka and has become one of most popular banks in terms of customer service as well as well banking experience. They currently have three types of credit cards offered to its customers. It’s not much of a selection but the three offered do manage to categorize the needs or requirements of the users pretty well.

Galaxia Credit Card from ING Vysya

The Galaxia Credit Card offered by ING Vysya offers numerous rewards and privileges for its esteemed customers. You can gain points as you make purchases for flight, Hotel, Mobile Recharge, DTH Recharge, Movie, Merchandise, Bus. All salaried as well self-employed professionals within the age category of 21-60 are eligible for this loan. You can get access to this card from all branches situated in India. Details here. Rewards For every 100 spent you gain 4 reward points. Avail fuel Surcharge of 2.50% with a for minimum transaction value of Rs. 400 and up to a maximum cumulative transaction value of Rs.2500 in billing cycle. The Galaxia Credit Card holder has access to 11 golf courses in India and you can make booking through 24 X 7 Golf Concierge Service. You can get access to airport lounges in selected domestic and international terminals in India. All credit card purchases above 5000 can be split into simple payment options of 3, 6, 9 or 12 Months. But it comes with a 1.5% for processing & interest charges of 1.5% monthly. Fees

Joining Fee	1500 Rupees
Annual Fee	Nil
Interest	2.95 % Monthly,35.40% Annually

Review The Galaxia a premium credit card offered by ING Vysya. The joining fee is 1500 which is slightly high when compared to rewards offered. It gives you numerous privileges but no shopping or travel vouchers accompany this card. If you wish to go for a cheaper option you could try the ING Solaris Credit Card that comes with lower joining fees. Another option would be the Citibank Cash Back Credit Card which offers privileges with dining, movie tickets and even telephone bills. It comes with an annual charge of 500 and allows hassle free cash redemption too.

Solaris Credit Card from ING Vysya

Solaris Credit Card from ING Vysya is absolutely a card for meeting your daily expenses. You can earn points and the charges here are also pretty reasonable too. All salaried as well self-employed professionals within the age category of 21-60 are eligible for this loan .You can also redeem your points on your purchases for Flight, Hotel, Mobile Recharge, DTH Recharge, Movie, Merchandise, Bus. Details here. Reward For every 100 spent you gain 4 reward points. Avail fuel Surcharge of 2.50% with a for minimum transaction value of Rs. 400 and up to a maximum cumulative transaction value of Rs.2500 in billing cycle. You can get access to airport lounges in selected domestic and international terminals in India. All credit card purchases above 5000 can be split into simple payment options of 3, 6, 9 or 12 Months. But it comes with a 1.5% for processing & interest charges of 1.5% monthly. Fees

Joining Fee	500 Rupees
Annual Fee	Nil
Interest	2.95 % Monthly,35.40% Annually

Review The Solaris Credit Card has its perks and does give you an easy option to earn points while making purchases. The rewards are tempting and the joining fee is pretty nominal. The Galaxia Credit Card offers some additional benefits as seen with the Solaris Credit Card. Galaxia might be a little expensive but in addition it does offer golf courses across India. If you wish to check other brands then you could try the Titanium Smart Traveler Credit Card from Axis Bank. It has a joining fee of 250 and an annual fee of 100 but it comes with better travel benefits. The card has fuel surcharge waiver and comes with zero lost card liability too.

Credit Card against Fixed Deposit

If you have difficulty in getting the bank to sanction your credit card then you could always opt the Credit card against fixed deposit. For Solaris Credit card you need a minimum FD of 25000 Rupees while that for Galaxia you need 10,0000 Rupees.The card provides with numerous privileges and enables you earn points on purchases. The rewards and fees would be according to the card that you have opted. This provision has been enabled to help customers to avail credit card if the bank does not sanction credit card and they do not meet the criteria.