May 30, 2017 11:47 AM
14394 Views
Ratnakar Bank Ltd is offering Fun plus credit card. They are providing lots of facilities with it. But Its your choice whether you want it or not. Because it depends on your spending pattern. There are some points which you have to consider before applying for it.
you have to decide for which purpose you need credit card?
You have look at your financial needs?
Your spending pattern is also matters. If you are thinking twice before making any card payment then Interest rate doesn't matter for you but customer service, prompt service is highly required for you.
Now I will review this card according to these criteria;
Customer Service:
Customer service is satisfactory in my opinion. Their representatives are very co operative. The Bank Service and support is up to the mark. Whenever I want any help from bank, I just call them. They behaves very gently in solving my problems.
Rates & Charges:
Due to competition in the market they are offering card free of cost. Also they are waiving charges many times. So as far as rates and charges are concern this card is good choice for everyone. Normal Charges is 499+ service tax.
Satisfaction:
I am pretty much satisfied with this card. Their customer service & offers are the main reason for that you can opt it.
Vouchers & Gifts:
I can say it very comfortably that As far as vouchers and offers are concern this bank is offering much as compare to others. I applied this card through bookmyshow offers. I got Rs. 500 voucher. Apart from this I often got various vouchers for movies and Shopping.
My Rating: 4/5
Recommendation: Yes(If you spends a lot on movies & Shopping)
