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CREDIT CARD SERVICES PROVIDED BY
VARIOUS BANK
ICICI BANK
ICICI Bank is India's second-largest bank with total assets of about Rs.1, 676.59 by (US$ 38.5
bn) at March 31, 2005 and profit after tax of Rs. 20.05 bn(US$ 461 mn) for the year ended
March 31, 2005 (Rs. 16.37 bn(US$ 376 mn) in fiscal 2004). ICICI Bank has a network of about
573 branches and extension counters and over 2,000 ATMs. ICICI Bank offers a wide range of
banking products and financial services to corporate and retail customers through a variety of
delivery channels and through its specialised subsidiaries and affiliates in the areas of investment
banking, life and non-life insurance, venture capital and asset management. ICICI Bank set up its
international banking group in fiscal 2002 to cater to the cross border needs of clients and
leverage on its domestic banking strengths to offer products internationally. ICICI Bank
currently has subsidiaries in the United Kingdom, Canada and Russia, branches in Singapore and
Bahrain and representative offices in the United States, China, United Arab Emirates,
Bangladesh and South Africa.
ICICI Bank's equity shares are listed in India on the Bombay Stock Exchange and the National
Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the
New York Stock Exchange (NYSE).
ICICI Bank has formulated a Code of Business Conduct and Ethics for its directors and
employees.
At September 20, 2005, ICICI Bank, with free float market capitalization* of about Rs.
400.00 billion (US$ 9.00 billion) ranked third amongst all the companies listed on the
Indian stock exchanges.
ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution,
and was its wholly owned subsidiary. ICICI's shareholding in ICICI Bank was reduced to 46%
through a public offering of shares in India in fiscal 1998, an equity offering in the form of
ADRs listed on the NYSE in fiscal 2000, ICICI Bank's acquisition of Bank of Madura Limited in
an all-stock amalgamation in fiscal 2001, and secondary market sales by ICICI to institutional
investors in fiscal 2001 and fiscal 2002. ICICI was formed in 1955 at the initiative of the World
Bank, the Government of India and representatives of Indian industry. The principal objective
was to create a development financial institution for providing medium-term and long-term
project financing to Indian businesses. In the 1990s, ICICI transformed its business from a
development financial institution offering only project finance to a diversified financial services
group offering a wide variety of products and services, both directly and through a number of
subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the first Indian company and
the first bank or financial institution from non-Japan Asia to be listed on the NYSE.
After consideration of various corporate structuring alternatives in the context of the emerging
competitive scenario in the Indian banking industry, and the move towards universal banking,
the managements of ICICI and ICICI Bank formed the view that the merger of ICICI with ICICI
Bank would be the optimal strategic alternative for both entities, and would create the optimal
legal structure for the ICICI group's universal banking strategy. The merger would enhance value
for ICICI shareholders through the merged entity's access to low-cost deposits, greater
opportunities for earning fee-based income and the ability to participate in the payments system
and provide transaction-banking services. The merger would enhance value for ICICI Bank
shareholders through a large capital base and scale of operations, seamless access to ICICI's
strong corporate relationships built up over five decades, entry into new business segments,
higher market share in various business segments, particularly fee-based services, and access to
the vast talent pool of ICICI and its subsidiaries.
In October 2001, the Boards of Directors of ICICI and ICICI Bank approved the merger of ICICI
and two of its wholly-owned retail finance subsidiaries, ICICI Personal Financial Services
Limited and ICICI Capital Services Limited, with ICICI Bank. Shareholders of ICICI and ICICI
BANK approved the merger in January 2002, by the High Court of Gujarat at Ahmedabad in
March 2002, and by the High Court of Judicature at Mumbai and the Reserve Bank of India in
April 2002. Consequent to the merger, the ICICI group's financing and banking operations, both
wholesale and retail, have been integrated in a single entity.
SOME DEPOSITS SCHEMES:
ICICI Bank offers wide variety of Deposit Products to suit your requirements. Coupled with
convenience of networked branches/ ATMs and facility of E-channels like Internet and Mobile
Banking, ICICI Bank brings banking at your doorstep. Select any of our deposit products and
provide your details online and our representative will contact you for Account Opening.
1) SAVING ACCOUNTS
ICICI Bank offers you a power packed Savings Account with a host of convenient features and
banking channels to transact through. So now you can bank at your convenience, without the
stress of waiting in queues.
2) SENIOR CITIZEN SERVICES
We understand that as you reach the age to retire, you do have certain concerns … whether your
hard earned money is safe and secure … whether your investments give you the kind of returns
that you need. That's why we have an ideal Banking Service for those who are 60 years and
above. The Senior Citizen Services from ICICI Bank has several advantages that are tailored to
bring more convenience and enjoyment in your life.
3) YOUNG STARS
It's really important to help children learn the value of finances and money management at an
early age. Banking is a serious business, but we make banking a pleasure and at the same time
children learn how to manage their personal finances
4) FIXED DEPOSIT
Safety, Flexibility, Liquidity and Returns!!!! A combination of unbeatable features of the Fixed
Deposit from ICICI Bank.
5) RECURRING DEPOSIT
When expenses are high, you may not have adequate funds to make big investments. But simply
going ahead without saving for the future is not an option for you. Through ICICI Bank
Recurring Deposit you can invest small amounts of money every month that ends up with a large
saving on maturity. So you enjoy twin advantages- affordability and higher earnings.
SOME LOANS SCHEMES:
ICICI Bank offers wide variety of Loans Products to suit your requirements. Coupled with
convenience of networked branches/ ATMs and facility of E-channels like Internet and Mobile
Banking, ICICI Bank brings banking at your doorstep. Select any of our loan product and
provide your details online and our representative will contact you for getting loans.
1) HOME LOANS
The No. 1 Home Loans Provider in the country, ICICI Bank Home Loans offers some
unbeatable benefits to its customers - Doorstep Service, Simplified Documentation and Guidance
throughout the Process. It's really easy !
2) CAR LOANS
The NO 1 financier for car loans in the country. Network of more than 1500 channel partners in
over 780 locations. Tie-ups with all leading automobile manufacturers to ensure the best deals.
Flexible schemes & quick processing. Hassle-free application process on the click of a mouse.
3) COMMERCIAL VEHICLE LOANS
Range of services on existing loans & extended products like funding of new vehicles, refinance
on used vehicles, balance transfer on high cost loans, top up on existing loans, Extends product,
working capital loans & other banking products.
4) FIRM EQUIPMENT LOANS
Preferred financier for almost all leading tractor manufacturers in the country. Flexible
repayment options in tandem with the farmer's seasonal liquidity. Monthly, Quarterly and Half-
yearly repayment patterns to choose from. Comfortable repayment tenures from 1 year to 9
years.
SOME INVESTMENTS SCHEMES
At ICICI Bank, we care about all your needs. Along with Deposit products and Loan offerings,
ICICI Bank assists you to manage your finances by providing various investment options
ranging from ICICI Bank Tax Saving Bonds to Equity Investments through Initial Public Offers
and Investment in Pure Gold. ICICI Bank facilitates following investment products:
ICICI Bank Tax Saving Bonds
Government of India Bonds
Investment in Mutual Funds
Initial Public Offers by Corporate
Investment in "Pure Gold"
Foreign Exchange Services
Senior Citizens Savings Scheme, 2004
You can invest in above products through any of our branches. For select products ICICI Bank
also provides the ease of investing through electronic channels like ATMs and Internet
(ICICIdirect.com)
ICICI Bank offers a varied range of cards to suit your requirements. These cards having a wide
acceptance, nationally and internationally, coupled with benefits of channels like Internet and
Mobile will enhance your experience. In ICICI, the following cards are issuing to its customer.
1) CREDIT CARDS
ICICI Bank Credit Cards give you the facility of cash, convenience and a range of benefits,
anywhere in the world. These benefits range from life time free cards, Insurance benefits, global
emergency assistance service, discounts, utility payments, travel discounts and much more.
2) DEBIT CARDS
The ICICI Bank Debit Card is a revolutionary form of cash that allows customers to access their
bank account around the clock, around the world. The ICICI Bank Debit Card can be used for
shopping at more than 100,000 merchants in India and 13 million merchants worldwide.
3) TRAVEL CARDS
Presenting ICICI Bank Travel Card. The Hassle Free way to travel the world. Traveling with us
dollar, Euro, Pound Sterling or Swiss Francs; Looking for security and Convenience; take ICICI
Bank Travel card. Issued in duplicate. Offers the pin based security .Has the Convenience of
usage of credit or debit card.
ICICI’S SUBSIDIARIES:
ICICI Securities and Finance Company ltd.
ICICI Brokerage Securities ltd.
ICICI Prudential.
ICICI Infotech Securities ltd.
ICICI Personal Finance Services ltd.
ICICI Capital Services Ltd.
ICICI Venture Funds Management Company ltd.
ICICI International ltd.
ICICI Lombard.
Premium Cards
ICICI Bank Signature Credit card
ICICI Bank Platinum Credit Card
ICICI Bank Platinum Premiere Credit Card
ICICI Bank- Titanium Credit Card
ICICI Bank – Thomas Cook Titanium Credit Card
Icici Bank Solid Gold Credit Card
Icici bank – American Express Gold Card Card
ICICI Bank Gold Card
Premium Cards : Features at a Glance
ICICI Bank Signature credit Card
Features :
A powerful rewards program : 5 points on every international spend of Rs. 100 points on every
travel-related spend of Rs. 100 and 2 point on every hotel- and dining –related spend of Rs. 100
Air- accident insurance of Rs. 3 crore.
Special travel-related experiential offers from flying a fighter jet to watching the Emperor
Penguins in Antarctica.
Exclusive ‘welcome’ privilege ( after the payment of joining fee
b-A travel voucher of Rs. 35000 OR
C-, 35000 reward points.
Priority access to the world’s exclusive airport lounges. To know more about priority pass
facility, and for lounge locater, Fuel-surcharge waiver across all petrol pumps.
I-Assist, 24*7 personal concierge services, offering a host of benefits. To view the services
provided A special customer service desk.
A special customer service desk.
ICICI Bank Platinum Credit Card
Features:
Priority access to the world’s exclusive airport lounges. To know more about Priority Pass
Facility, please click here and for lounge locator , please click here.
Fuel surcharge waiver across all petrol pumps.
Fuel –purchase transactions on the card will not earn reward points from December 15, 2007.
An exclusive Rewards Program and one of a kind redemption offer.
High credit limit and cash limit.
APR of 2.75% monthly w.e.f. march ist 2008
Air-accident insurance of up to Rs. 1 crore.
I-Assist, 24*7 personal concierge services, offering a host of benefits. To view the services
provided, please, click here
A specialized customer service desk.
The ICICI Bank Platinum Credit Card is currently offered only by invitation.
Most powerful Global Card
Benefits :
Welcomed internationally at over 22 million merchant establishments.
High credit limit and cash limits.
Dial-a-Draft at 2.5% of the draft amount subject to a minimum of Rs. 300.
Lifetime Balance Transfer offer : 0.72% for first 6 month ( 9% p.a.) followed by 1.49% p.m. (
17.88%p.a) thereafter.
Most powerful catalogue-based Rewards Program.
Mobile alerts and statement by e-mail
ICICI Bank Travel Smart Gold Credit Card
Most Power Travel Card : A Card that gives the best deal on air travel and holiday package, 24*7.
10% of cash back on basic fare on any domestic and international airline ticket booked through
Makemytrip.com. the cash back is only in case of INR transaction. To booktickets please call 1-
800-102-8747 (From BSNL and MTNL phones) 1-108-102 8747 ( Airtel Subscribers ) or log on
to Makemytrip.com
24*7 Personal Travel Desk for assistance in booking flights, hotels, holiday packages.
Guaranteed 5% cash back on holiday packages booked through Makemytrip.com.
All the benefits of the ICICI Bank Solid Gold Card.
Fuel- surcharge waiver across all petrol pumps from December 15, 2007.
Fuel purchase transaction on the card will not earn reward points from December 15, 2007.
I-Assist, 24*7 personal concierge services, offering a host of benefits. To view the services
provided, place click here.
Air –accident insurance of upto Rs. 50 lac.
HDFC Bank
HDFC Bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its registered
office in Mumbai, India. The Bank commenced operations as a Scheduled Commercial Bank in January
1995.
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to
receive an ‘in principle’ approval from the Reserve Bank of India ( RBI) to set up a bank in the
private sector, as the part of the RSBI’s liberalization of the Indian Banking industry in 1994. the
bank was incorporated in Augest 1994 in the name of HDFC Bank Limited’, with its registered
office in Mumbai, India. HDFC Bank Commenced operations as a Scheduled Commercial Bank
in January 1995.
HDFC Bank, has a network of over 531 branches spread over 228 cities across India. All branches are
linked on an online real-time basis. Customers in over 120 locations are serviced through Telephone
Banking. The Bank also has a network of about over 1054 networked ATMs across these cities. HDFC
Bank's ATM network can be accessed by all domestic and international Visa / MasterCard, Visa Electron
/ Maestro, Plus / Cirrus and American Express Credit / Charge cardholders.
HDFC Bank has won many awards for its excellent service. Major among them are "Best Bank in India"
by Hong Kong-based Finance Asia magazine in 2005 and "Company of the Year" Award for Corporate
Excellence 2004-05.
Cards Our range of Cards help you meet your financial objectives. So whether you are looking to add
to your buying power, conducting cashless shopping, or budgeting your expenditure, you will
find a credit card that sutis you.
Credit cards
Besides arming you with unmatched spending power, Our credit cards are designed to meet your
unique nees. Choose one that’s tailored for you. The best credit cards are available herem
including even the online credit cards service Netsafe.
Classic cards Special Benefit Cards
Silver Credit Card Value Plus Credit Card
Health Plus Credit Card
Premium Cards Commercial Cards
Gold Credit Card Corporate Credit Card
Titanium Credit Card Business Credit Card
Woman’s Gold Card
Platinum Plus Credit Card
Visa Signature Credit Card
AXIS BANK
The erstwhile UTI Bank has changed its name to Axis Bank effective July 30, 2007. This is the
first time that a bank has gone in for a brand-change voluntarily; earlier names of banks have
been changed either due to a merger or an acquisition.
Axis Bank India, the first bank to begin operations as new private banks to be established. Axis
Bank was jointly promoted by the Administrator of the specified undertaking of the Unit Trust of
India (UTI-I), Life Insurance Corporation of India (LIC) and General Insurance Corporation Ltd.
Also with associates viz. National Insurance Company Ltd., The New India Assurance
Company, The Oriental Insurance Corporation and United Insurance Company Ltd.
Axis Bank in India today is capitalized with Rs. 282.65 Crores with 57.05% public holding other
than promoters. It has more than 574 branch offices and Extension Counters in the country with
over 2428 Axis Bank ATM proving to be one of the largest ATM networks in the country. It
commits to adopt the best industry practices internationally to achieve excellence. It has
strengths in retail as well as corporate banking.
By the end of June 2007, Axis Bank in India had over 60 lakhs debit cards. This is the first bank
in India to offer the AT PAR Cheque facility, without any charges, to all its Savings Bank
customers in all the places across the country where it has presence.
The bank has also raised its reach to 341 cities, towns and villages. The bank has the outstanding
deposit base of more than Rs. 61,000 crores with over 65 lakh accounts.
STATE BANK OF INDIA State Bank of India is India's largest bank amongst all public and private sector banks operating
in India. State Bank of India owns and operates the following subsidiaries and Joint Ventures-
State Bank of India Credit Card
State Bank of India Online
State Bank of India USA
State Bank Of India Services
State Bank of India Mutual Funds
State Bank of India Branch
State Bank of India NRI Account
ACTIVITIES
State Bank of India administrative structure is well equipped to oversee the large network of
branches in India and abroad. The State Bank of India 14 Local Head Offices and 57 Zonal
Offices are located at important cities spread throughout the country. State Bank of India has 52
foreign offices in 34 countries across the globe. The Corporate Accounts Group is a Strategic
Business Unit of the Bank set up exclusively to fulfill the specialized banking needs of top
corporate in the country.
STATE BANK OF INDIA OFFERS THE FOLLOWING SERVICE TO ITS
CUSTOMER Domestic Treasury.
SBI Vishwa Yatra Foreign Travel Card.
Broking Services.
Revised Service Charge.
ATM Services.
Internet Banking.
E-Pay.
E-Rail.
RBIEFT.
Safe Deposit Lockers.
Gift Cheques.
MICR Codes.
Foreign Inward Remittances.
http://business.mapsofindia.com/banks-in-india/sbi-credit-card.htmlhttp://business.mapsofindia.com/banks-in-india/sbi-online.htmlhttp://business.mapsofindia.com/banks-in-india/sbi-usa.htmlhttp://business.mapsofindia.com/banks-in-india/sbi-services.htmlhttp://business.mapsofindia.com/banks-in-india/sbi-mutual-funds.htmlhttp://business.mapsofindia.com/banks-in-india/sbi-branch.htmlhttp://business.mapsofindia.com/banks-in-india/sbi-nri-account.html
SBI Credit Card
SBI Credit Card or State Bank of India Credit Card offers you exclusive deals and convenience
of cashless shopping with complete online payments and balance transfer solutions and all this
come with redeemable reward points system. The benefits and features of State Bank of India
credit cards do not end here.
The available SBI Credit Cards are:
SBI Silver, Gold & Platinum Card and SBI partnership cards that include Go Air, Hero Honda,
LG, SBI Advantage Card, SBI Card For Doctors, Employee Card, Lifestyle Card, Railway Card,
Vishal Mega Mart Card, Social Card, UBI Cards, SpiceJet SBI Card.
The exclusive offers on the above State Bank of India Credit Cards are free insurance covers,
low interest on balance transfers, easy bill payments solutions, 0% surcharge across all petrol
pumps, flexible payment solutions, special discount offers, Teledraft facility, special reward
points system and many more
The SBI credit cards online services include online account operations that include online
balance transfer, checking account status, generating e-statement, 24-hour customer service, and
SBI credit card login online to get details of your past transactions. These are just some of the
benefits you derive from your State Bank of India credit card.
You get cashless shopping facility and reward points for every purchase you make. On
accumulating a substantial amount of reward points, you can redeem the points for cash or gifts
benefits. You can dial up the All India Toll Free Number for SBI Customer Care Service to
enquire about the ongoing interest rates, and details of the process of how to apply for SBI credit
card online. State Bank provides various payment channels for the credit cards bill payments.
SpiceJet SBI Card
Flexipay
Easy bill pay
SBI Card PayNet
SBI Card PayCash
SBI Employee Card
Free Card For Life
Cash on the go
Flexi pay
Telerate Facility
Credit facility
Book your railway tickets online
SBI Card Alerts
SBI Gold & More Card
Cash Back in Departmental Stores & Groceries
Cash Back in Restaurants
Cash Back on Utility Bill Payment
Cash on the go
Enjoy a world of convenience
Flexipay
Teledraft Facility(Easy Money Draft)
Credit facility
Book your railway tickets online
SBI Silver & More Card
Cash Back in Departmental Stores & Groceries
Cash Back in Restaurants
Cash Back on Utility Bill Payment
Cash on the go
Enjoy a world of convenience
Flexipay
Teledraft Facility(Easy Money Draft)
Book your railway tickets online
Enhanced power to your family
SBI Platinum Card
Global Concierge Services
Personal Concierge Services
Movie Tickets
Auto Assistance Service
Travel Related Assistance Services
International Markup Waiver
Travel Insurance
Platinum Club Offers
Exclusive Lifestyle Privilages
Power Points
Flexipay Installment Plan
Online Railway Tickets booking
Credit Facility
Cash Access across the World
SBI GoAir Card
Cash on the go
Flexipay
Teledraft Facility(Easy Money Draft)
Book your railway tickets online
SBI Card Alerts
PUNJAB NATIONAL BANK Punjab National Bank with 4497 offices and the largest nationalized bank is serving its 3.5 crore
customers with the following wide variety of banking services:
Corporate banking
Personal banking
Industrial finance
Agricultural finance
Financing of trade
International banking
Punjab National Bank has been ranked 38th amongst top 500 companies by The Economic
Times. PNB has earned 9th position among top 50 trusted brands in India.
Punjab National Bank India maintains relationship with more than 200 leading international
banks world wide. PNB India has Rupee Drawing Arrangements with 15 exchange companies in
UAE and 1 in Singapore.
PNB Online
Punjab National Bank of India is also a member of SWIFT and more than 150 PNB Branches are
connected with terminals in Mumbai. It promotes "Any Time, Any Where Banking".
PNB offers Internet Banking services for both to the Corporate and Individuals. It provides 24
hours, 365 days banking from the PC of the user. A user can operate anytime and from anywhere
its accounts. The following are some of the services available online:
Access to account
Complete details of transactions and statement of account
Online information of deposits, loans overdraft account etc.
Online Payment Facility for railway reservation through IRCTC Payment Gateway Project
Online Utility Bill Payment Services which allows Internet Banking account holders to pay their
telephone, mobile, electricity, insurance and other bills anytime from anywhere from their
desktop.
Punjab National Bank Card user can buy goods and enable services from 45,000 merchant outlet
in India and can withdraw cash from over 4500 ATMs with its own 450 ATMs.
Punjab National Bank Branches
Punjab National Bank has its Branches in all the 7 metropolitan and cosmopolitan cities in India
namely New Delhi, Mumbai, Calcutta, Chennai, Bangalore, Hyderabad and Ahmedabad. It even
has its branches in small town in both urban as well as rural areas.
PNB is always focusing on expanding abroad and till date has identified some emerging
economies abroad. They are in few of these places.
Almaty
Kazakhktan
Shanghai
China
London
Kabul
Afghanistan
Punjab National Bank Housing Loan
Any individual can avail Punjab National Bank Housing Loan for any of the following purpose:
For construction of house.
For purchase of house/ flat.
For purchase of house/ flat from the original allottee, i.e. on First Power of Attorney basis.
For carrying out repairs/ renovation/ additions/ alterations in the existing house.
Approximately 80% of the cost of project is sanctioned by PNB Housing Finance, subject to a
maximum of Rs. 50 lac. In case of carrying out repairs/ renovation/ additions/ alterations in the
existing house, the ceiling is Rs. 5 lac. The loan is available for a period of 5 years to 20 years or
before the borrowers attain the age of 65.
Interest of Punjab National Bank Home Loan is charged on reducing balance and the amount to
be sanctioned depends upon the repaying capability of the borrower.
The following securities are required by the cell of PNB Housing Loan:
Mortgage of property for which finance is being given.
In case of purchase of house flat from housing board/ society where mortgage cannot be created
immediately, a tripartite agreement shall be executed amongst the housing board/society,
borrower and the Bank.
In case of purchase of house/ flat on first power of attorney, additional security by way of
mortgage of some other property or pledge of Bank's Fixed Deposit Receipt/ LIC policy/ Govt.
securities has to be provided.
Suitable third party guarantee acceptable to the Bank which may include guarantee from family
members/ other relatives.
PNBMutualFund PNB Mutual Fund services are distributed under the scheme of Principal PNB Asset
Management Company from its assigned branches. The varieties of Punjab National Bank
Mutual Fund are as under:
Principal Growth Scheme
Principal balanced Fund
Principal Income Fund
Principal Income Fund - Short Term Debt
Principal Cash management Fund
Principal Index Fund
Principal government Securities Fund
RESEARCH METHODOLOGY
Research is a voyage from known to known. Research Methodology means the procedure for
conducting a systematic and planned approach to carry out research project for the purpose of
achieving the objectives. A useful research methodology must be exhaustive, comprehensive, in
time and free from bias or uncertainty. The researcher is therefore compelled to follow certain
scientific rules or steps and stipulation ids designing, planning and executing the research.
The content of research methodology are stated below:
RESEARCH DESIGN:
This research is exploratory-cum-descriptive in nature. In descriptive research, researcher has
sufficient data on the concept and research material. The design of research is exploratory also
termed, as formulative research. The major emphasis was a discovery of ideas and insights.
PURPOSE OF STUDY:
The research study is based on Exploratory. An attempt has been made by us to know the
thinking of the customer and factor affect to the problem. For instances, what is the “Customer
Awareness and Perception about Credit Card in Chandigarh
SAMPLE SIZE AND TECNIQUES:
The sample size is 50 credit card holders on the basis of convenience sampling.
ANALYSIS PATTERN:
The analysis of the data is done through statically analysis and interpretation.
DATA COLLECTION:
To get required information data collected is primary and secondary.
PRIMARY DATA: The primary data is collected through survey method. By the instruments
structured questionnaire.
SECONDARY DATA: Secondary data is collected through websites, journals, and magazines.
NATURE OF ANALYSIS: The nature of our research analysis of quantitative type using simple statistical method.
DATA ANALYSIS AND INTERPRETATION
1.)Age of the respondent.
Age Frequency Percentage%
20- 30 24 48
30- 40 21 42
40- 50 3 6
Above 50 2 4
There are 48% respondents who are in the age group of 20 to 30 followed by age
group of 30 to 40 (42%), 40 to 50 (6%), and above 50 (4%).
2.) Education qualification of the respondent
Qualification Frequency Percentage%
Illiterate 1 2
Upto 12th
3 6
Under Graduation 13 26
Graduation 15 30
Post Graduation 18 36
0
5
10
15
20
25
30
35
40
45
50
Frequency Percentage%
20- 30
30- 40
40- 50
Above 50
There are 6% respondents who have upto 12th level followed by Under Graduation
(26%), graduates (30%), post graduates (36%), and illiterate (2%).
3.) Occupation of the respondent
Occupation Frequency Percentage%
Student 13 26
Serviceman 17 34
Businessman 9 18
Professional 10 20
Any other 1 2
0
5
10
15
20
25
30
35
40
Frequency Percentage%
Illiterate
Upto 12th
Under Graduation
Graduation
Post Graduation
There
are
26%
respo
ndent
s who
are in
stude
nts
follo
wed by businessmen (18%), Professional (20%), servicemen (34%), and others
(2%).
4.) Monthly income of the respondent
Income Frequency Percentage%
20000< 6 12
20000- 40000 14 28
40000-60000 17 34
>60000 13 26
0
5
10
15
20
25
30
35
Frequency Percentage%
Student
Serviceman
Businessman
Professional
Any other
There are 12% respondents who are in the income group of less than Rs. 20000
followed by income group of Rs.20000-40000 (28%), income group of Rs.40000-
60000 (34%), income group of Greater than Rs. 100000(26%).
5.) Are you aware of credit card?
Awareness Frequency Percentage%
Yes 48 96
No 2 4
0
5
10
15
20
25
30
35
Frequency Percentage%
20000<
20000- 40000
40000-60000
>60000
There are 48 (equal to 96%) respondent aware about credit card and only
2 (4%) respondent not aware about credit card.
6.) Since when you are availing this facility.
Year Frequency Percentage%
No Disclosed 4 8
Upto 2year 27 54
Upto 4 year 8 16
Upto 6 year 4 8
0
10
20
30
40
50
60
70
80
90
100
Frequency Percentage%
Yes
No
Above 6 year 7 14
4 (equal to 8%) respondents have not disclosed the period while 54% are availing
the credit card facility for the last 2 years and less, 16% above 2 years to 4 years,
(8%) for above 4 to 6 years and (14%) for more than six years.
RESULT: Majority of credit cards holders have started availing this facility for the
last 2 years.
7.) What bank do you prefer for credit card?
Bank Frequency Percentage%
AXIS 2 4
ICICI 25 50
PNB 3 6
SBI 4 8
HDFC 6 12
Any other 10 20
0
10
20
30
40
50
60
Frequency Percentage%
No Disclosed
Upto 2year
Upto 4 year
Upto 6 year
Above 6 year
25 (equal to 50%) respondents prefer the credit card of ICICI bank, 2( 4%) AXIS
bank, 3(equal to 6%) PNB bank, 4(8%) SBI bank, 6(12%) HDFC bank and
10(20%) respondents prefer any other bank.
RESULT: Majority of credit cards holders prefer the ICICI bank for the credit
card.
8.) Are you satisfied with the service being provided to you by the bank?
Frequency Percentage%
Yes 46 92
No 4 8
0
10
20
30
40
50
Frequency Percentage%
AXIS
ICICI
PNB
SBI
HDFC
Any other
In this question 46 respondents are satisfied with the service provided by this bank
while 4 of the respondents are unsatisfied by the services.
RESULT: Greater number of credit cards holders is satisfied.
9.) Do you feel that this facility of credit card is really beneficial for you
Frequency Percentage%
Yes 44 88
No 6 12
0
10
20
30
40
50
60
70
80
90
100
Frequency Percentage%
Yes
No
In this question 44 of the respondents have responded that this facility is really
beneficial while 6 of the respondents are unsatisfied with this facility.
RESULT: Majority has responded that the credit cards are really beneficial.
10.) Do you feel that the pin number, which is given with along with credit
card, ensures security of your account?
Frequency Percentage%
Satisfied 43 86
Unsatisfied 5 10
Not commented 2 4
0
10
20
30
40
50
60
70
80
90
Frequency Percentage%
Yes
No
In this question 43 of the respondents have satisfied with the security of pin
number while 5 are unsatisfied and 2 of the respondents are not even commented.
RESULT: Majority of the credit card holders is satisfied.
11.) Is the bank providing insurance on the credit card?
Frequency Percentage%
Yes 38 76
No 2 4
Not commented 10 20
0
10
20
30
40
50
60
70
80
90
Frequency
Satisfied
unsatisfied
Not commented
In this question 38 of respondents are stated that insurance is provided by bank,
while 2 have replied in negative and 10 have not commented upon.
RESULT: Majority of the credit card holders has replied in positive.
12.) For what purpose do you use these cards?
Uses Frequency Percentage%
Travelling 3 6
Shopping 28 56
Air ticketing 1 2
Withdrawing 11 22
Trading 1 2
0
10
20
30
40
50
60
70
80
Frequency Percentage%
Yes
No
Not commented
Above all 6 12
In this question 28 (equal to 56%) respondents use the credit card for the purpose
of Shopping, 3(6%) travelling, 1( 2%) air ticketing, 11(22%) withdrawing,
1(2%)trading and, 6(12%) respondents use the credit card for all the above
purpose.
RESULT: Majority of the credit card holders use the credit card for the purpose of
shopping.
13.) What facilities attract you more for using/having the credit cards?
Attracting facilities Frequency Percentage%
24*7 Facilities 13 26
Easy handling 20 40
Security for signature 1 2
Instantly statement 6 12
Time saving 12 24
0
10
20
30
40
50
60
Frequency Percentage%
Traveling
Shopping
Air ticketing
Withdrawing
Trading
Above all
Any other 1 2
14.) Are you satisfied the facilities provided by your credit cards bank?
Satisfaction level Frequency Percentage%
High 16 32
Moderate 31 62
Low 3 6
0
5
10
15
20
25
30
35
40
Frequency Percentage%
24*7 Facilities
Easy handling
Security forsignature
Instantlystatement
Time saving
Any other
15.) Source of information of using / owing the credit cards?
Source Frequency Percentage%
Advertisement 11 22
Friends 9 18
Family member 11 22
Banking agent 18 36
Any others 1 2
0
10
20
30
40
50
60
70
frequency Percentage%
High
Moderate
Low
0
5
10
15
20
25
30
35
40
Frequency Percentage%
Advertisement
Friends
Family member
Banking agent
Any others
SUGGESTION & RECOMMENDATION
1) Charges on credit card should be reduced.
2) One supplement card should be issue free.
3) Credit card facility should be made available in all branches of the bank.
4) Final decision for the credit card should be in the hand of HDFC authorized people.
5) More ATM should be setup at business center, valuable points.
6) Net working is required at initial stages.
7) Arrangement for education about credit card, timely updating and proper guidance to
customer should be made
FINDINGS OF THE STUDY
After the thorough research programme, some findings are there which I found and these are:
1) 50% of the credit card holders say that they availed this facility since 2 years back.
2) 92% are satisfied with the services of the bank, 94% are satisfied with the timings and
88% are satisfied with dealings of the employees of the bank.
3) 54% say that they don’t require any updates and guidance and 35% wanted guidance and
updating about general changes of the schemes.
4) 86% showed satisfaction over pin number about security of their accounts.
5) 76% say that insurance cover is available free with credit cards.
6) 62% say that they enjoy deposit and withdrawal facility on credit card.
7) 50% of credit card holders say that supplementary credit card for their family members.
QUESTIONNAIRE
“CUSTOMER AWARENESS AND PERCEPTION ABOUT CREDIT CARD”
1.) Name of the Respondent ___________________________________.
2.) Age
( ) 20 to 30 ( ) 30 to 40
( ) 40 to 50 ( ) Above 50
3.) Education qualification
( ) Illiterate ( ) up to 12th
std
( ) under graduate ( ) graduate
( ) post graduate
4.) Occupation
( ) student ( ) Businessman
( ) service man ( ) Professional
( ) Any other
5.) Are you aware of credit card?
( ) yes ( ) No
6.)Since when you are availing this facility ___________________.
7.) What bank do you prefer for credit card?
( ) AXIS ( ) ICICI
( ) PNB ( ) SBI
( ) HDFC ( ) Any other
8.) Are you satisfied with the service being provided to you by the bank.
( ) Yes ( ) No
9.) Do you feel that this facility of credit card is really beneficial?
( ) Yes ( ) No
10.) Do
you feel that the pin number, which is given along with credit card, insured security of your
account?
( ) Yes ( ) No
11.) Is the bank providing insurance on credit card?
( ) Yes ( ) No
12.) For what purpose do you use these cards?
( ) Traveling ( ) Shopping
( ) Air ticketing ( ) Withdrawing
( ) Trading ( ) Above all
13.) What facilities attract you more for using/having the credit cards?
( ) 24*7 hours facilities ( ) Easy handling
( ) Security for signature ( ) instantly getting statement of A/c
( ) Time saving (no queue) ( ) any other
14.) Usage of credit cards stimulates you for?
( ) Technology ( ) impulses purchase
( ) Ease for financial Transaction
15.) What do you think mode of payment is affected by?
( ) Availability of machines ( ) Unauthorized use
( ) Interchange use ( ) any other (specify)
16.) Are you satisfied the facilities provided by your credit cards bank?
( ) Yes ( ) Moderate ( ) Low
17.) Source of information of using / owing the credit cards?
( ) Advertisement ( ) Friends
( ) Family member ( ) Banking Agent
( ) Any other (specify)
18.) Suggest any improvement that you want in your bank based payment system?
______________________________________________________________________
______________________________________________________________________ .
Thanks for giving your valuable time….
BIBLIOGRAPHY
BOOKS
Kothari, C.R., Research Methodology, Vishaka Prakashan, New Delhi, 1990.
Avadhani V.A., Marketing and financial services, Himalayas publishing house pvt. Ltd., 2002.
Beri, G.C., Marketing Research, Tata McGraw Hill, New Delhi, Millennium Edition.
Awad, M.Elias, Electronic Commerce, Prentice – Hall of India pvt.ltd, New Delhi, 2002.
MAGAZINES AND NEWSPAPER
Economics Times.
Times of India.
Hindustan Times.
WEBSITES
WWW.GOOGLE.COM
WWW.ICICI.COM.
WWW.HDFC.COM
WWW.PNB.COM
V
http://www.google.com/http://www.icici.com/http://www.pnb.com/