credit card services provided by various bank icici...

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.


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.


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.

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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


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



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



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


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


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


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


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


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?


Yes 46 92

No 4 8

0

10

20

30

40

50


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


Yes 44 88

No 6 12

0

10

20

30

40

50

60

70

80

90

100


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?


Satisfied 43 86

Unsatisfied 5 10

Not commented 2 4

0

10

20

30

40

50

60

70

80

90


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?


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


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


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


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


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

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http://www.google.com/http://www.icici.com/http://www.pnb.com/

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