Prepaid Debit Card Basics

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Home Page > Finance > Prepaid Debit Card Basics

Prepaid Debit Card Basics

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Posted: Jun 25, 2009 |Comments: 0

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Prepaid Debit Card Basics

By: Darewin Ocampo

About the Author

Who am I?
I am who I am..

2-GetCash

Loss Mitigation Leads Secrets

(ArticlesBase SC #993626)

Article Source: http://www.articlesbase.com/Prepaid Debit Card Basics





Debit card use has exceeded credit card use far earlier than expected and the debit card is now the king of the electronic payment mountain. The success of the debit card is attributed primarily to the fact that it can offer anything the credit card can offer, but with far lower costs. In addition, debit cards are relatively easy to obtain and almost anyone can afford them.

There are several kinds of debit cards, and the best of these is the prepaid debit card. The prepaid debit card may therefore be considered the king of kings of the electronic payment mountain. The prepaid debit card is the best tool to afford during these tough times brought about by the perilous global financial crisis. To help people maximize the great potentials of the prepaid debit card its basics are explained below.

Introduction to Prepaid Debit Cards

Prepaid debit cards in terms of appearance are just the same as ordinary debit cards and credit cards. Prepaid debit cards in much the same way, can also be used to withdraw cash and purchase products and services. The real difference is the source of the money spent on the debit card transactions. In case of credit cards, the money spent is not yours but is lent to you by the credit card provider, which of course you’ll have to pay at a later date with interest, thus may cause amassing debts. Ordinary debit cards use the cardholders own money deposited in his debit card bank account, but still, overdrafts may occur which cause costly charges. With prepaid debit cards, there is a preloaded amount on the card and you can only spend up to the balance of the card, therefore providing no chances of going into debt or incurring expenses due to overdrafts.

The prepaid debit card upon receipt may or may not have money already credited in it. Along with it will come a PIN code which you should change immediately to one which your can easily remember. You money can be loaded onto a prepaid debit card by cash at a bank, post office, at Payzone or PayPoint terminals or via a bank transfer. With enough credits, the prepaid debit card can then be used for purchases and withdrawals from ATMs.

Main Advantages of Prepaid Debit Cards

Availability – there are generally no credit check or screening procedures conducted on prepaid debit card applicants, and thus you can easily get one without having to worry about your credit history. The only test to be done will be the identity check aiming to confirm you are who you claim you are.

Control – you can easily manage your spending with a prepaid debit card as you can plan how much credits you will have transferred to your card, as well as the time of transfers. You can also get a full breakdown of the card spending so you can trace what was purchased, from where and when. The breakdown can be used to assess your spending and make necessary adjustments to your budget.

No Risk of Debt – since you are limited to spend only the amount you have put in your prepaid debit card, there is no chance of falling into debt because of spending too much with it.

Great for Travel – a prepaid debit card is great for people going overseas whether for short or long periods as it is more secure than carrying cash and more convenient than using personal checks. It is also good for minors going on offshore field trips as their parents can load the card up anytime.

Prepaid Debit Card Fees

Prepaid debit card providers like all businesses transact for profit, and so there are certain expenses related to prepaid debit cards. The number and range of expenses vary depending on the provider. It is common sense of course to choose a card with fewer and lesser costs but provides greater convenience. Prepaid debit card related expenses may include, but are not limited to the following:

Card Application Fee

Some providers levy an application fee but read the small print as it may be waived if you load more than a certain amount onto the card.

Monthly Service Charge

Check to see if there is a monthly subscription fee, and the related benefits provided in return for this fee.

Customer Call Helpline

Calls to the customer helpline can be expensive so it’s worth noting whether you will be charged at a premium rate, national rate or standard rate. If possible, look for those that have toll free customer service hotlines.

Credit Card/Cash Loading Fee

Some providers charge you every time you put money onto the card.

Deposit fee

Even if your card provider doesn’t charge you for making a top-up, if you put money onto the card in a bank, the bank may charge for the service. If such a fee applies use an alternative way of loading up your card – if there isn’t a convenient alternative it’s probably worth considering a card from a different provider.

ATM Withdrawal Fee

Some prepaid cards are treated like credit rather than debit cards when it comes to making cash withdrawals. If you will be charged a fee for withdrawing money from an ATM it is advisable not to use the card for this purpose. And even if you are not charged for making withdrawals in the UK, check what the rule is for foreign transactions as you may be charged if you withdraw money from a cash machine abroad.

Purchases and internet transaction

Is there a charge when you purchase goods on your card and do these vary for online transactions? Again, as with withdrawal fees, these costs may be higher if the transaction is made overseas.

Account Termination Fee

Determine if there is a charge for termination of your prepaid debit card.

Card Replacement Cost

One of the attractions of prepaid cards is the security they offer, but if you lose your card or have it stolen, some providers will charge for a replacement.

Card Renewal

Like a credit or debit card, a prepaid card will have an expiry date so check to see if you will be charged for a renewal.

Inactivity Fee

Some firms charge a small sum if the card is not used for a defined period of time.

Hide your money in your very own offshore bank account now and keep track of it using your prepaid debit card and prepaid SIM card. Get the 2-GetCash prepaid debit card now that comes with a virtual private offshore bank account and a SIM card. The SIM card not only offers 400 free call minutes but also allows access to your very own voice over internet protocol account that allows international calls at very low prices. This is the most affordable prepaid debit card you can possibly find. It has no periodic or per transaction charges. You need to pay only during the card purchase.

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Virtual Debit and Credit Cards

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Home Page > Finance > Virtual Debit and Credit Cards

Virtual Debit and Credit Cards

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Posted: Jun 07, 2007 |Comments: 0

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Virtual Debit and Credit Cards

By: Vaibhav Aggarwal

About the Author

Myself Vaibhav Aggarwal webmaster of http://www.epay.vg/ dealing in online money transfer, money transfer services, online payment gateway, virtual debit cards, virtual credit cards, secure money transfer services worldwide with an easy solution.

(ArticlesBase SC #160644)

Article Source: http://www.articlesbase.com/Virtual Debit and Credit Cards





Prepaid virtual debit cards and credit cards are great financial tools to keep you out from bad credit. Below are the reasons why you should definitely consider opting for virtual debit and credit cards.

1. A virtual debit/credit card has to be recharged before you start using them. Hence, you always know of the ceiling, above which you just cannot go. This is a commendable advantage because ordinary credit cards encourage you to spend money you do not have. Falling in this trap is devastating, because nothing is more enticing than false sense of reality.

2. You can control your spending habits with prepaid virtual debit cards. Debit cards directly debits the money from your account, hence you can keep on spending until your entire bank account extinguishes. In case of prepaid virtual debit cards, you need to first recharge your card with a specified amount and then use it. Your debit card is functional as long as there is money left. Hence, your spending is somewhat limited.

3. A prepaid virtual debit card is the best way to pay contractors. You can simply recharge a debit card with the sum that the contractor owes and hand over the card to him. In this way, you not only get rid of personally visiting him to make the payments, but also minimize the risk of making an inappropriate account transfer.

4. The greatest beneficiaries of prepaid virtual debit and credit cards are those who do not have a bank account, or are not qualified for having a bank account. As per current statistics, over 10 million households in the alone in the United States alone do not have bank accounts. For them, prepaid virtual debit cards are the best ways to make online payments through the Internet.

5. Since prepaid virtual debit cards are not associated to any banks, they are easier to apply. You need not provide employment verification, credit checks, or security deposit of any kind. Even if you have a bad credit, you can have a virtual debit card. Interestingly, some prepaid debit cards have in-built credit reporting features, which you can use to rebuild your credit history.

Retrieved from “http://www.articlesbase.com/finance-articles/virtual-debit-and-credit-cards-160644.html

(ArticlesBase SC #160644)

Vaibhav Aggarwal -
About the Author:

Myself Vaibhav Aggarwal webmaster of http://www.epay.vg/ dealing in online money transfer, money transfer services, online payment gateway, virtual debit cards, virtual credit cards, secure money transfer services worldwide with an easy solution.

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1. A virtual debit/credit card has to be recharged before you start using them. Hence, you always know of the ceiling, above which you just cannot go. This is a commendable advantage because ordinary credit cards encourage you to spend money you do not have. Falling in this trap is devastating, because nothing is more enticing than false sense of reality.

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Explanation of T-account, Debit and Credit, and Double-entry Accounting System

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Home Page > Finance > Accounting > Explanation of T-account, Debit and Credit, and Double-entry Accounting System

Explanation of T-account, Debit and Credit, and Double-entry Accounting System

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Explanation of T-account, Debit and Credit, and Double-entry Accounting System

By: Igor Voytsekhivskyy

About the Author

Igor Voytsekhivskyy is a CPA and CIA working in public accounting. He maintains a website SimpleStudies.com devoted to helping people learn accounting online for free.

(ArticlesBase SC #490669)

Article Source: http://www.articlesbase.com/Explanation of T-account, Debit and Credit, and Double-entry Accounting System





All accountants know several terms that create basis for any accounting system. Such terms are T-account, debit and credit, and double-entry accounting system. Of course, these terms are studied by accounting students all over the world. However, any business person, whether an investment banker or a small business owner, will benefit from knowing them as well. They are easy to grasp and will be helpful in most business situations. Let us take a closer look at these accounting terms.

T-Account

Accounting records about events and transactions are recorded in accounts. An account is an individual record of increases and decreases in a specific asset, liability, or owner’s equity item. Look at accounts as a place for recording numbers related to a certain item or class of transactions. Examples of accounts may be Cash, Accounts Receivable, Fixed Assets, Accounts Payable, Accrued Payroll, Sales, Rent Expenses and so on.

An account consists of three parts:

- title of the account

- left side (known as debit)

- right side (known as credit)

Because the alignment of these parts of an account resembles the letter T, it is referred to as a T account. You could draw T accounts on a piece of paper and use it to maintain your accounting records. However, nowadays, instead of having to draw T accounts, accountants use accounting software (i.e., QuickBooks, Microsoft Accounting, Peachtree, JD Edwards, Oracle, and SAP, among others).

Debit, Credit and Account Balance

In account, the term debit means left side, and credit means right side. These are abbreviated as Dr for debit and Cr for credit. Debit and credit indicate on which side of a T account numbers will be recorded.

An account balance is the difference between the debit and credit amounts. For some types of accounts debit means an increase in the account balance, while for others debit means a decrease in the account balance. See below for a list of accounts and what a debit to such account means:

Asset – Increase
Contra Assets – Decrease
Liability – Decrease
Equity – Decrease
Contribution Capital – Decrease
Revenue – Decrease
Expenses – Increase
Distributions – Increase

Credits to the above account types will mean an opposite result.

Double-entry Accounting System

A double-entry accounting system requires that any amount entered into the accounting records is shown at least on two different accounts. For example, when a customer pays cash for your product, an account would show the cash received in the Cash account (as a debit) and in the Sales account (as a credit). All debit amounts equal all credit amounts provided the double-entry accounting was properly followed.

Having a double-entry accounting system has benefits over regular, one-sided systems. One of such benefits is that the double-entry system helps identify recording errors. As I mentioned, if one amount is entered only once in error, then debits and credits won’t balance and the accountant will know that one or more entries were not posted fully. Note, however, that this check will help spot errors, but will not identify all cases of errors. For example, equal debits and credits will not identify an error when an amount was posted twice, but was posted to wrong accounts. Keep this in mind when analyzing causes of errors in accounting records.

 

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About the Author:

Igor Voytsekhivskyy is a CPA and CIA working in public accounting. He maintains a website SimpleStudies.com devoted to helping people learn accounting online for free.

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Explanation of T-account, Debit and Credit, and Double-entry Accounting System

This article explains basic accounting terms: accounting, account balance, debit and credit, double-entry accounting system and how it can be used to identify accounting errors.

By:
Igor Voytsekhivskyyl

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Jul 19, 2008
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1. anca 15/03/2009

I am confused on how I could understand what is the purpose of making the debit equal to my credit.

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2. Kyle 17/03/2009

Think of it like science…remember when you talked about how “matter can not be created nor destroyed”? The same principle applies to money (unless you are the US government I suppose but that is not our current topic) in that you cannot just pull money out of thin air you have to pull it from an account to put it in a different account.


The best example I can think of is let’s say you make widgets and your whole purpose is to sell them to your customers(makes sense). Well let’s say you record a Sale to John for ,000. You cannot simply put it in your account as Revenue = ,000 because you have had a reduction to your inventory. So to balance your increase in Revenue of ,000 you would need to record a DECREASE to inventory of ,000. Once you understand this concept (which I fully admit is foreign at first) Accounting becomes much much easier…that is until you go global! =)


Good luck to you!

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How To Significantly Reduce Payment Processing Costs By Converting Debit-Card Customers To Direct-Debit Payments

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How To Significantly Reduce Payment Processing Costs By Converting Debit-Card Customers To Direct-Debit Payments

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How To Significantly Reduce Payment Processing Costs By Converting Debit-Card Customers To Direct-Debit Payments

By: Lisa Hephner

About the Author

Lisa Hephner, PaySimple Marketing Manager About ACH Direct-Debit Processing For assistance with converting your debit-card customers to direct-debit, contact PaySimple: 800-466-099

(ArticlesBase SC #98218)

Article Source: http://www.articlesbase.com/How To Significantly Reduce Payment Processing Costs By Converting Debit-Card Customers To Direct-Debit Payments





It seems that banks are constantly coming up with new ways for us to pay bills and withdraw money. First there were paper checks, then credit cards, then ATM cards, then debit cards linked to bank accounts, and now ACH electronic funds transfers. Of course, with each new payment method comes a new set of fees passed on to account holders and merchants. The smart merchant will weigh the pros and cons of each method with regards to safety, accountability, and processing cost, and then design her business practices to maximize profits without compromising customer service.

This article will help merchants do this by comparing two very similar payment methods-debit card charges and bank account ACH direct-debits. It will explain how switching customers who pay with debit-cards to direct-debit transactions can significantly reduce merchant processing costs.

What is a Debit Card?

A debit card is a bank issued card that allows its user to access the funds in his account to pay for merchandise or services. A debit card acts like a credit card, and is often associated with a credit card brand such as VISA or MasterCard, with the difference being that funds are immediately deducted from the cardholders checking or savings accounts when a purchase is made.

What is Direct-Debit?

Direct debit is an easy way to deduct a payment directly from a customer’s bank account. It uses the premise of a paper check but takes it to the next level with electronic funds transfer. With direct debit, the need to write paper checks is completely eliminated. Your customer simply gives you permission to take funds directly out of his checking or savings account and transfer them to yours. Direct-debit is typically used for auto-recurring billing of regular transactions, such as a monthly rent payment, so that written permission to transfer funds is needed only once and customers no longer need to write checks every month. But, it can also be used with an Online Payment Gateway to enable your customers to purchase your products or pay their bills directly from a checking or savings account instead of with a credit card or debit card.

What are the differences between a Debit Card transaction and a Direct-Debit transaction?

Debit card transactions and direct debit transactions are at their core the same-each authorizes a transfer of money directly from the cardholder’s account to the merchant’s account. And, from the consumer’s standpoint they are exactly the same.

From the merchant’s standpoint however, they are very different. The transactions are processed through different networks, and the payment processing charges differ significantly.

Debit card transactions require the merchant to obtain a credit card merchant account and often to sign a long-term contract and pay a fee to open the account. Debit card transactions are processed through the same network as credit card transactions, and funds are deposited, less a commission (known as the “discount rate”), into a merchant account. The discount rate for debit-card purchases is typically lower than for credit card purchases (This is because the bank is taking less of a risk with a debit-card that deducts funds immediately from a bank account than with a credit card.), however there are some merchant processors that do not extend this discount to their clients. Typically, 2-3% of the transaction plus a 30 cent inquiry fee will be deducted from a debit-card payment and the balance will be deposited into the merchant’s account.

Direct-debit transactions use the Automated Clearing House (ACH) network to move funds from one bank account to another. Thus, you can use your regular business checking account for Direct-Debit transactions. You will need to sign a contract with a company authorized to manage these ACH transactions, but there is typically no long-term commitment. You will pay a fee for each direct-debit transaction you process-but it is typically a flat-fee that is not dependant upon the size of the transaction. (There are some companies that do charge a percentage based fee for direct-debit transactions-you should avoid these processors!). This fee is typically less than per transaction.

How much can merchants save with Direct-Debit Transactions?

Accepting direct-debit instead of debit-card transactions can generate significant savings for most transactions; with the rule of thumb being the larger the transaction amount the more the merchant saves. The following is a simple example using the PaySimple pricing structure:

Transaction Amount: 0

Cost to process via Debit Card (MOTO rate): .49 (.29 inquiry + 2.04% discount)

Cost to process via Direct-Debit: .55 flat

Total Savings per Transaction: .94

Total Monthly Savings (based on 250 transactions/month): ,485.00

Are there Drawbacks to Direct-Debit transactions?

The largest drawback for merchants accepting direct-debit payments is that unlike debit-card payments, you will not immediately know if there are sufficient funds in the customer’s account to cover the charge. With a direct-debit, you will get NSF notification in 24 hours (far better than the weeks it typically takes for a paper check processed by the bank). This can be a significant concern for merchants who are providing goods or one-time services at the time of payment. But, in the majority of cases, 24 hour notification is sufficient.

Another concern is that customers will not be comfortable with giving a merchant direct access to their bank accounts. However, that is essentially what they are doing with a debit card transaction. The problem truly is one of education not of security or of process. Fortunately, that is an easy problem to solve. ElectronicPayments.org is a fantastic website that provides a wealth of customer education materials. Your payment processing company may also offer free marketing and educational literature that can be distributed to your customers.

The Bottom Line

Direct-debit transactions are just as safe as or safer than debit card transactions. Direct-debit and debit card funds are deducted immediately from customer accounts. Direct-debit transactions are just as simple to perform as debit card transactions, and both can be used for auto recurring payments, online payments, phone payments, and point-of-purchase payments. But, processing direct-debit transactions is significantly less costly for merchants than processing debit card transactions.

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Lisa Hephner, PaySimple Marketing Manager About ACH Direct-Debit Processing For assistance with converting your debit-card customers to direct-debit, contact PaySimple: 800-466-099

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Lisa Hephner, PaySimple Marketing Manager About ACH Direct-Debit Processing For assistance with converting your debit-card customers to direct-debit, contact PaySimple: 800-466-099


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Debit Card Offers for Nov 09

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Debit Card Offers for Nov 09

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Debit Card Offers for Nov 09

By: Bhavana Jhingan

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Working with a WRS Info India Pvt Ltd.

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Article Source: http://www.articlesbase.com/Debit Card Offers for Nov 09





Debit Card Offers

AbnAmro Bank

1) International Debit Card:-

Holiday Offer

A) Extent you holiday by Abn Amro, pay for two nights and stay for three.

Dinning Offer

A) Get 20% off on Dominos Pizza; just announce the coupon code AL-020 to avail the offer.

Shopping Offer

A) Get 12% off on minimum purchase of Rs.5000 and above from Sangini Diamond Jewellery.

B) Buy jewellery from Adora and get 17% off.

C) Get 15% off on Allen Solly watches.

D) Get 15% off on Sparkles diamond jewellery

E) Enjoy 10% off on spectacles, sunglasses and contact lenses at GKB Opticals.

Reward Points Offer

On retail spends of Rs.100, earn 2 Royalty points which is equal to Re.1.

On fuel spends of Rs.100, earn 5 Royalty points which is equal to Rs.2.50.

You can redeem 500 points reward points just on a phone call.

2) Air India AbnAmro Debit Cards:-

Dinning Offer

A) Get 20% off on Dominos Pizza, just announce the coupon code AL-020 to avail the offer.

Shopping Offer

A) Get 12% off on minimum purchase of Rs.5000 and above from Sangini Diamond Jewellery.

B) Buy jewellery from Adora and get 17% off.

C) Get 15% off on Allen Solly watches.

D) Get 15% off on Sparkles diamond jewellery

E) Enjoy 10% off on spectacles, sunglasses and contact lenses at GKB Opticals.

Travel Offer

A) Extent you holiday by Abn Amro, pay for two nights and stay for three.Booking done through accorhotels-asia.com/partners/MC

Get 10% discount on all Domestic and International Flights. Get discount for second companion too. You can two free upgrade vouchers to Business class.

Reward Points Offer

A) On spend of Rs.100 on retail shopping get 2 royalty points, equal to Re.1.

B) On spend of Rs.100 on fuel transactions get 5 royalty points, equal to Re.2.50.

3) Gold Debit Card:

Holiday Offer

A) Extent you holiday by Abn Amro, pay for two nights and stay for three.Booking done through accorhotels-asia.com/partners/MC

Reward Points Offer

A) On spend of Rs.100 on retail shopping get 3 royalty points, equal to Rs.1.50.

B) On spend of Rs.100 on fuel transaction get 5 royalty points, equal to Re.2.50.

C) Earn Royalty points for using ATM’s, Net Banking, Making utility bill payments and much more.

D) Accumulate 500 points and redeem then as Cash, just on a phone call.

Dinning Offer

A) Get 20% off on Dominos Pizza; just announce the coupon code AL-020 to avail the offer.

Shopping Offer

A) Get 12% off on minimum purchase of Rs.5000 and above from Sangini Diamond Jewellery.

B) Buy jewellery from Adora and get 17% off.

C) Get 15% off on Allen Solly watches.

D) Get 15% off on Sparkles diamond jewellery

E) Enjoy 10% off on spectacles, sunglasses and contact lenses at GKB Opticals.

4) Van Gogh Preferred Banking Gold Card

Holiday Offer

A) Extent you holiday by Abn Amro, pay for two nights and stay for three.Booking done through accorhotels-asia.com/partners/MC

Reward Points Offer

A) On spend of Rs.100 on retail shopping get 3 royalty points, equal to Rs.1.50.

B) On spend of Rs.100 on fuel transaction get 5 royalty points, equal to Re.2.50.

C) Earn Royalty points for using ATM’s, Net Banking, Making utility bill payments and much more.

D) Accumulate 500 points and redeem then as Cash, just on a phone call.

Dinning Offer

A) Get 20% off on Dominos Pizza; just announce the coupon code AL-020 to avail the offer.

Shopping Offer

A) Get 12% off on minimum purchase of Rs.5000 and above from Sangini Diamond Jewellery.

B) Buy jewellery from Adora and get 17% off.

C) Get 15% off on Allen Solly watches.

D) Get 15% off on Sparkles diamond jewellery

E) Enjoy 10% off on spectacles, sunglasses and contact lenses at GKB Opticals.

5) Premium Debit Card

Dinning Offer

A) Get 20% off on Dominos Pizza, just announce the coupon code AL-020 to avail the offer.

Shopping Offer

A) Get 12% off on minimum purchase of Rs.5000 and above from Sangini Diamond Jewellery.

B) Buy jewellery from Adora and get 17% off.

C) Get 15% off on Allen Solly watches.

D) Get 15% off on Sparkles diamond jewellery

E) Enjoy 10% off on spectacles, sunglasses and contact lenses at GKB Opticals.

Holiday Offer

A) Extent you holiday by Abn Amro, pay for two nights and stay for three.Booking done through accorhotels-asia.com/partners/MC

Reward Points Offer

A) On spend of Rs.100 on retail shopping get 3 royalty points, equal to Rs.1.50.

B) On spend of Rs.100 on fuel transaction get 5 royalty points, equal to Re.2.50.

C) Earn Royalty points for using ATM’s, Net Banking, Making utility bill payments and much more.

D) Accumulate 500 points and redeem then as Cash, just on a phone call.

Other Offer

A) Get discounts and special access to 15 premium Golf Courses.

Travel Offer

A) 10% discount on Duty Free purchases at Flamingo duty free outlets pan India and on board Jet Airways, Air India and Kingfisher Airlines.

+++++++++++++++++++++++++++++++++++++++++

Axis Bank Debit Card Offers

1) Priority Debit Card

Petro Offer

Zero fuel charges across all petrol pumps.

Reward Points Offer

You can redeem your reward points in charity, dinning, electronics, gift voucher, home, kids, lifestyle, magazines and personal.

Travel Offer

Get 15% discount on stay at Brigade Homestead Serviced Residences, Bangalore.(till 31st March10)

A discount of 15% on room rates at The Central Park Hotel.

Other Offer

15% discount on Diagnostic at The Apollo Clinics.(till 31st March 2010).

2) Classic Debit Card

Dinning Offer

Enjoy 15% discount on Food and Beverage (Alcoholic and Non alcoholic items) on Ala.

Carte (from the Menu) at Time after Time, Zanzibar and at smoke on the water.

On a total bill of Rs.300 & above at Kaati Zone outlets in Bangalore get Rs.50 off.

Travel Offer

A discount of 15% on room rates at The Central Park Hotel.

Other Offer

15% discount on Diagnostic at The Apollo Clinics.(till 31st March 2010).

3) Gold Debit Card

Dinning Offer

On a total bill of Rs.300 & above at Kaati Zone outlets in Bangalore get Rs.50 off.

Petro Offer

No surcharge is applicable on fuel purchase.<li></ul>

Reward Offer

Redeem your reward points in charity, dinning, electronics, gift voucher, home, kids,

Lifestyle, magazines and personal. <li></ul>

Shopping Offer

A 10% discount at GKB optical.(till 31st Dec 2009). <li></ul>

Travel Offer

15% discount on stay at Brigade Homestead Serviced Residences, Bangalore.(till 31st March 2010). <li></ul>

Other Offer

15% discount on Diagnostic at The Apollo Clinics.(till 31st March 2010). <li></ul>

4) Gold plus Debit Card

Travel Offer

15% discount on stay at Brigade Homestead Serviced Residences, Bangalore.(till 31st March 2010).

Petro Offer

No surcharge is applicable on fuel purchase.

Reward Points Offer

Redeem your reward points in charity, dinning, electronics, gift voucher, home, kids,

Lifestyle, magazines and personal.

Shopping Offer

On online purchase of Rs.2500 & above from homeShop18.com get Rs. 500 off. (till 31st Dec 2009).

On minimum purchase of Rs.5000 & above from Sangini Diamond jewellery get 12%off.(till 31st Dec 09)

Get 17% off on Adora Jewellery at their stores.(till 31st Dec 2009)

Dinning Offer

Enjoy yummy pizzas from Dominos with 20% off on your total bill.(till 31st Dec 2009).

On a total bill of Rs.300 & above at Kaati Zone outlets in Bangalore get Rs.50 off.

Other Offer

Just pay Rs.1400 for your thyroid check up & free test for your companion.( till 31st Dec 2009).

15% discount on Diagnostic at The Apollo Clinics.(till 31st March 2010).

5) Business Gold Debit Card

Dinning Offer

Enjoy yummy pizzas from Dominos with 20% off on your total bill. (till 31st Dec 2009).

On a total bill of Rs.300 & above at Kaati Zone outlets in Bangalore get Rs.50 off.

Petro Offer

No surcharge is applicable on fuel purchase.

Reward Points Offer

Redeem your reward points in charity, dinning, electronics, gift voucher, home, kids,

Lifestyle, magazines and personal.

Shopping Offer

On online purchase of Rs.2500 & above from homeShop18.com get Rs. 500 off. (till 31st Dec 2009).

On minimum purchase of Rs.5000 & above from Sangini Diamond jewellery get 12%off.(till 31st Dec 09).

A 10% discount at GKB optical. (till 31st Dec 2009).

Get 17% off on Adora Jewellery at their stores.(till 31st Dec 2009).

Other Offer

Just pay Rs.1400 for your thyroid check up & free test for your companion. ( till 31st Dec 2009).

15% discount on Diagnostic at The Apollo Clinics. (till 31st March 2010).

Citibank Debit Card

Citibank International Premium Debit Card

Travel Offer

Enjoy free access to domestic airport lounges (Oberoi Clipper Lounge).

Free access to premium golf ranges in India and get discounts on green fees.

Dinning Offer

Bangalore City

20% off on food & beverages only at a-la-carte Menu at Ivy The Unwind Island.(till 24th Dec 09).

15% off on total bill at Moti Mahal.(till 24th Dec 09).

15% off on total bill at Orange Peel.(till 24th Dec 09).

15% off on at Fiorano.(till 24th Dec 09).

15% off on food only at Coconut Grove.(till 24th Dec 09).

20% off at Savvy.(till 24th Dec 09).

15% off on food & beverages at Zen(not valid on Sunday).(till 24th Dec 09).

Delhi

20% off on food at Italiano.(till 30th Dec 09)

20% off on food at Haute. (till 30th Dec 09

20% off on food & beverages at Bennigan’s. (till 30th Dec 09

20% off on food only at Chicane. (till 30th Dec 09

20% off on food & beverages at Ikko. (till 30th Dec 09

20% off on food & beverages at Priviledge Punjab.

20% off on food & beverages at Azzurro. (till 30th Dec 09

20% off on food & beverages at Moti Mahal Deluxe . (till 30th Dec 09

20% off on food & beverages at Ivy. (till 30th Dec 09

20% off on food & beverages at Kylin. (till 30th Dec 09

20% off on food & soft beverages at Red Coral. (till 30th Dec 09

20% off on food & beverages at Play. (till 30th Dec 09

20% off on food & soft beverages at Pizza Pizza Express. (till 30th Dec 09

20% off on food & non- alcoholic at Taste of China. (till 30th Dec 09

Chennai

15% off on lunch buffet & a-la-carte at Quality Hotel Sabari Classic – 24×7 Bytes.(till 15th dec 09)

15% off on food & beverages at Quality Hotel Sabari Classic – Zero Degree – The Pub.(till 15th dec 09)

15% off on crunchies at Quality Hotel Sabari Classic –The Pastry Shop.(till 15th dec 09)

15% off on food at Silver Streak.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at Azulia.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at Copper point.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at Any Time.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at The Great Kabab Factory.(till 24 dec 09)

2) IndianOil Citibank Premium Debit card

Petro Offer

Zero fuel surcharge on fuel purchase at IndianOil outlets.

On every spent of Rs.100 earn 4 Turbo Points at IndianOil outlets.

Redeem your Turbo Points for IndianOil Petro Vouchers.

Dinning Offer

Bangalore City

20% off on food & beverages only at a-la-carte Menu at Ivy The Unwind Island.(till 24th Dec 09).

15% off on total bill at Moti Mahal.(till 24th Dec 09).

15% off on total bill at Orange Peel.(till 24th Dec 09).

15% off on at Fiorano.(till 24th Dec 09).

15% off on food only at Coconut Grove.(till 24th Dec 09).

20% off at Savvy.(till 24th Dec 09).

15% off on food & beverages at Zen(not valid on Sunday).(till 24th Dec 09).

Delhi

20% off on food at Italiano.(till 30th Dec 09)

20% off on food at Haute. (till 30th Dec 09

20% off on food & beverages at Bennigan’s. (till 30th Dec 09

20% off on food only at Chicane. (till 30th Dec 09

20% off on food & beverages at Ikko. (till 30th Dec 09

20% off on food & beverages at Priviledge Punjab.

20% off on food & beverages at Azzurro. (till 30th Dec 09

20% off on food & beverages at Moti Mahal Deluxe . (till 30th Dec 09

20% off on food & beverages at Ivy. (till 30th Dec 09

20% off on food & beverages at Kylin. (till 30th Dec 09

20% off on food & soft beverages at Red Coral. (till 30th Dec 09

20% off on food & beverages at Play. (till 30th Dec 09

20% off on food & soft beverages at Pizza Pizza Express. (till 30th Dec 09

20% off on food & non- alcoholic at Taste of China. (till 30th Dec 09

Chennai

15% off on lunch buffet & a-la-carte at Quality Hotel Sabari Classic – 24×7 Bytes.(till 15th dec 09)

15% off on food & beverages at Quality Hotel Sabari Classic – Zero Degree – The Pub.(till 15th dec 09)

15% off on crunchies at Quality Hotel Sabari Classic –The Pastry Shop.(till 15th dec 09)

15% off on food at Silver Streak.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at Azulia.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at Copper point.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at Any Time.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at The Great Kabab Factory.(till 24 dec 09)

3) IndianOil Citibank Debit Card

Dinning Offer

Bangalore City

20% off on food & beverages only at a-la-carte Menu at Ivy The Unwind Island.(till 24th Dec 09).

15% off on total bill at Moti Mahal.(till 24th Dec 09).

15% off on total bill at Orange Peel.(till 24th Dec 09).

15% off on at Fiorano.(till 24th Dec 09).

15% off on food only at Coconut Grove.(till 24th Dec 09).

20% off at Savvy.(till 24th Dec 09).

15% off on food & beverages at Zen(not valid on Sunday).(till 24th Dec 09).

Delhi

20% off on food at Italiano.(till 30th Dec 09)

20% off on food at Haute. (till 30th Dec 09

20% off on food & beverages at Bennigan’s. (till 30th Dec 09

20% off on food only at Chicane. (till 30th Dec 09

20% off on food & beverages at Ikko. (till 30th Dec 09

20% off on food & beverages at Priviledge Punjab.

20% off on food & beverages at Azzurro. (till 30th Dec 09

20% off on food & beverages at Moti Mahal Deluxe . (till 30th Dec 09

20% off on food & beverages at Ivy. (till 30th Dec 09

20% off on food & beverages at Kylin. (till 30th Dec 09

20% off on food & soft beverages at Red Coral. (till 30th Dec 09

20% off on food & beverages at Play. (till 30th Dec 09

20% off on food & soft beverages at Pizza Pizza Express. (till 30th Dec 09

20% off on food & non- alcoholic at Taste of China. (till 30th Dec 09

Chennai

15% off on lunch buffet & a-la-carte at Quality Hotel Sabari Classic – 24×7 Bytes.(till 15th dec 09)

15% off on food & beverages at Quality Hotel Sabari Classic – Zero Degree – The Pub.(till 15th dec 09)

15% off on crunchies at Quality Hotel Sabari Classic –The Pastry Shop.(till 15th dec 09)

15% off on food at Silver Streak.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at Azulia.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at Copper point.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at Any Time.(till 24 dec 09)

15% off on food & soft beverages (lunch & dinner) at The Great Kabab Factory.(till 24 dec 09)

Petro Offer

Zero fuel surcharge on fuel purchase at IndianOil outlets.

On every spent of Rs.100 earn 2 Turbo Points at IndianOil outlets.

Redeem your Turbo Points for IndianOil Petro Vouchers.

4) Shopper Stop Citibank Debit Card

Shopping Offer

Get a membership to First Citizen Loyalty Program.

On spent of Rs.100 at Shoppers Stop get 5 reward points.

Earn 1 reward points for every Rs.100 spent at merchant outlets.

5) Citibank Grocery Debit Card

Reward Points Offer

Earn 5 rewards points on every spent of Rs.100 at Citibank associate grocery outlet.

Earn 2 reward points on every spent of Rs.100 at any other grocery outlets.

Earn 1 reward points on every spent of Rs.100 at merchant outlet.

6) MTV Citibank Debit Card

Entertainment Offer

Enjoy special discounts at your favorite hangouts and offer invites to MTV concerts, parties, etc.

Reward Points Offer

On every spent of Rs.100 get 2 reward points.

Shopping Offer

Enjoy great discounts and dazzling special privileges on grocery.

HDFC Debit Cards

1) EasyShop International Debit Card

Entertainment Offer

Book your movie ticket online through bookmyshow.com and get Rs.100off on first transaction and Rs.25 off on every ticket upto maximum of 4 tickets.(till 30th Nov 09).

Petro Offer

No surcharge on filling petrol from selected BPCL petrol pumps across India, Click here to check the outlets (http://hdfcbank.com/applications/misc/dc_zerocharge.asp)

Shopping Offer

Buy Premium Suiting, Shirting & Apparels from Vimal and get 15% discount.(till 31st Dec 09).

Travel Offer

Get Rs.50 off on booking bus ticket at www.redbus.in

2) EasyShop International Gold Debit Card

Travel Offer

Get Rs.50 off on booking bus ticket at www.redbus.in

Entertainment Offer

Book your movie ticket online through bookmyshow.com and get Rs.100off on first transaction and Rs.25 off on every ticket upto maximum of 4 tickets.(till 30th Nov 09).

Petro Offer

0% petrol surcharges at petrol pumps.

On every spent of Rs.100 you will get Re.1 as cashback.

Shopping Offer

Buy Premium Suiting, Shirting & Apparels from Vimal and get 15% discount.(till 31st Dec 09).

3) EasyShop Pro Gold Debit Card

Entertainment Offer

Book your movie ticket online through bookmyshow.com and get Rs.100off on first transaction and Rs.25 off on every ticket upto maximum of 4 tickets.(till 30th Nov 09).

Petro Offer

0% petrol surcharges at petrol pumps.

Shopping Offer

Buy Premium Suiting, Shirting & Apparels from Vimal and get 15% discount. (till 31st Dec 09).

Other Offer

Enjoy daily cash withdrawal limit of Rs.50,000 from ATM.

Travel Offer

Get Rs.50 off on booking bus ticket at www.redbus.in

4) EasyShop International Business Debit Card

Travel Offer

Get Rs.50 off on booking bus ticket at www.redbus.in

Enjoy exclusive access to premium airport lounge across India.(till 31st Dec 09).

Dinning Offer

Enjoy delicious Pizzas and breads from Pizza Hut and get 20% off.(till 31st Dec 09).

Entertainment Offer

Book your movie ticket online through bookmyshow.com and get Rs.100off on first transaction and Rs.25 off on every ticket upto maximum of 4 tickets.(till 30th Nov 09).

One month extra subscription of BIGFlix FREE along with a subscription of 3 months and above. (till 31st Dec 09).

Petro Offer

0% petrol surcharges at petrol pumps.

On every spent of Rs.200 you will get Re.1 as cashback.

Shopping Offer

Buy Premium Suiting, Shirting & Apparels from Vimal and get 15% discount.(till 31st Dec 09).

Special discounts on Morphy Richards products like 20% off on Steam Irons, Rs.800 off on mixer grinder, juicer mixer grinder and 10% off on electric cooker, hand blender,OTG and on hair care. (till 31st Dec 09).

Other Offer

Enjoy daily cash withdrawal limit of Rs.50, 000 from ATM’s.

5) EasyShop Woman’s Advantage Debit Card

Entertainment Offer

Book your movie ticket online through bookmyshow.com and get Rs.100off on first transaction and Rs.25 off on every ticket upto maximum of 4 tickets.(till 30th Nov 09).

Reward Points Offers

On every spent of Rs.200 you will get Re.1 as cashback.

Shopping Offer

Buy Premium Suiting, Shirting & Apparels from Vimal and get 15% discount. (till 31st Dec 09).

Other Offer

Enjoy daily cash withdrawal limit of Rs.20, 000 from ATM’s.

You will not be charged for Bill Pay Service, which is normally charged at Rs. 100 p.a.

Travel Offer

Get Rs.50 off on booking bus ticket at www.redbus.in

6) EasyShop NRO Debit Card

Entertainment Offer

Book your movie ticket online through bookmyshow.com and get Rs.100off on first transaction and Rs.25 off on every ticket upto maximum of 4 tickets.(till 30th Nov 09).

Shopping Offer

Buy Premium Suiting, Shirting & Apparels from Vimal and get 15% discount. (till 31st Dec 09).

Other Offer

Enjoy daily ATM cash limit of Rs.15,000 and Rs.25,000 at merchant established shopping.

7) Kisan Card

Entertainment Offer

Book your movie ticket online through bookmyshow.com and get Rs.100off on first transaction and Rs.25 off on every ticket upto maximum of 4 tickets.(till 30th Nov 09).

Shopping Offer

Buy Premium Suiting, Shirting & Apparels from Vimal and get 15% discount.(till 31st Dec 09).

+++++++++++++++++++++++++++++++++++++++++++++++

Deutsche Bank India

a. Platinum Debit Card

Petro Offer

Zero fuel surcharge across all petrol pumps.

Reward Points Offer

On every spent of Rs.100 earn 1.5 reward points.

Other Offer

Get a complimentary air accident insurance cover upto Rs.20lacs.

Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in

b. Gold Debit Card

Reward Points Offer

On every spent of Rs.100 earn 0.75 reward points.

Petro Offer

Zero fuel surcharge across all petrol pumps.

Other Offer

Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in

+++++++++++++++++++++++++++++++++++++++++

HSBC Debit Card

1) Power Vantage Plus Platinum

Dinning Offer

Delhi</li>></ul>

Upto 50% at La Carte.(till 31st Dec 09).

15% off on food at Amber.(till 31st Dec 09).

35% off on total bill at Bennagn’s Grill and Tavern.(till 31st Dec 09).

20% off on total bill at China White. (till 30th Nov 09).

15% off on F&B at Chor Bizarre.(till 30th Nov 09).

15% off at Drift. (till 30th Nov 09).

15% off on food & Liquor at Clay Oven.(till 30th Nov 09).

10% off at Desi Vibes. (till 31st Dec 09).

15% off on F&B at FA YIAN. (till 31st Dec 09).

15% off on food at Flames.(till 31st Dec 09).

15% off at Gola Sizzlers.(till 30th Nov 09).

15% off on food at Journey of Spices.(till 31st Dec 09).

10% off on total bill and buy one & get one dessert free at KAFFIIAA.(till 31st Oct 09).

15% off on F&B at Khaaja Chowk.(till 30th Nov 09).

10% off at Lazeez Affaire.(till 30th Nov 09).

15% off on F&B at Oriental Octopus.(till 30th Nov 09).

15% off at Pacific Blue.(till 31st Oct 09).

10% off on Rajdhani.(till 30th Nov 09).

15% off at Superstars.(till 31st Oct 09).

On a minimum bill of Rs.400 get 15% off at Yo China.(till 30 Nov 09).

Mumbai</ul></li>

15% off on total bill at Crepe Station. (till 31st Dec 09).

At Culture Curry get 50% off on lunch and 25% off on dinner.(till 31st Oct 09).

At Diva Maharashtracha get 50% off on lunch and 25% off on dinner.(till 31st Oct 09).

10% off at Flags.(till 30th Nov 09).

15% off at Flamboyante.(till 30th Nov 09).

Sizzlers get 15% off on total bill.(till 30th Nov 09).

50% off for lunch and 25% off for dinner at Goa Portuguesa.(till 31st Oct 09).

At Green House get 10% off on food.(till 30th Nov 09).

10% off on food and beverages at Howrah.(till 30th Nov 09).

20% off on food and liquor at Irish Pub.(till 30th Nov 09).

20% off on food at It’s Mirch.(till 30th Nov 09).

20% off on food at Mahjong.(till 30th Nov 09).

10% off at Oasis on food.(till 30th Nov 09).

10% off on total bill at Rajdhani.(till 30th Nov 09).

20% off on F&B at Rhythm & Blues.(till 30th Nov 09).

15% off on F&B at Saffron.(till 30th Nov 09).

15% off on total bill at Yo China.(till 30th Nov 09).

10% off on F&B at Yoko’s Sizzlers.(till 30th Nov 09).

At Zaffran get 10% off on F&B.(till 30th Nov 09).

Chennai</ul></li>

10% off on total bill at Abu Place. (till 31st Oct 09).

10% off on a minimum bill of Rs.500 at Anjappar.(till 30 Nov 09).

15% off on f & b at Anytime.(till 30 Nov 09).

10% off on a minimum bill of Rs.500 at Aruppukottai Chettinadu Restaurants.(till 31st Oct 09).

10% off at Blue Diamond.(till 31st Oct 09).

10% off on a total bill at Bella Ciao.(till 30th nov 09).

10% off at Café Picasso.(till 30th Nov 09).

10% off at Esplanade and at Romeo. (till 31st Oct 09).

15% off at Dhaba.(till 30 Nov 2009).

10% off on Don Pepe.(till 30th Nov 09).

15% off on F&B at garden Café.(till 30th Nov 09).

10% off on F&B at Hotel Sudhara.(till 31st Oct 09)

15% off on at Kabul. (till 30th Nov 09).

15% off on total bill at Salt & pepper.(till 30th Nov 09).

15% off at The Society Restaurant.(till 30th Nov 09).

Kolkatta

10% off on food at 6 Ballygunge Place. (till 31st Oct 09).

10% off on total bill at Charcoal.(till 31st Oct 09).

15% off at Comics.(till 31st Dec 09).

15% off on food at Corn N Kabab.(till 30th Nov 09).

15% off on total bill at Crepe Station.(till 31st Dec 09).

15% off on food at Dilli Durbar.(till 30th Nov 09).

15% off on total bill at Don Giovanni’s.(till 31st Dec 09).

At Indus valley get 10% off on total bill.(till 30th Nov 09).

10% off on food at Kewpie’s. (till 30th Nov 09).

10% off on food at Opium.(till 31st Dec 09).

10% off on food at Orko’s.(till 30th Nov 09).

15% off on total bill at Pepper Chino.(till 31st Dec 09).

10% off on total bill at Tamarind.(till 31st Oct 09).

15% off on food & non alcoholic beverages at Tandoori Hut.(till 31st Dec 09).

10% off on F&B at Tangerine2-Wok & Grill.(till 31st Oct 09).

10% off on total bill at Tero Parbon. (till 31st oct 09).

Get 10% off on food at The Silver Oak.(till 30th Nov 09).

Shopping Offer

Upto 10% off on books at Oxford Book Store. (till 31st Dec 09).

Enjoy 10% off at GKB Opticals. (till 31st Dec 09).

+++++++++++++++++++++++++++++++++++++

+++++++++++++++++++++++++++++++++++++

ICICI Bank Debit Card Offers

1) ICICI Bank Visa Signature Debit Card

Dinning Offer

On a minimum purchase of Rs.3, 500 get Rs.500 off at Café Gadgets.(till 31st Dec 09).

Get 15% to 25% off on room tariffs at Choice Hotels.(till 31st Dec 09).

20% off at Domino’s Pizza.(till 31st Dec 09).

Entertainment Offer

One month extra subscription of BIGFlix free along with a subscription of 3 months and above. (till 31st Dec 09).

Petro Offer

Fuel surcharge of 2.5% waiver at all Petrol pumps.

Reward Points Offer

On every spent of Rs.200 get 3 reward points.

Shopping Offer

Get 15% off on Pierre Cardin Swiss Watches.(till 31st Dec 09).

On a minimum purchase of Rs.5,000 & above  from Sangini Jewellery get 12% off.(till 31st Dec 09).

Flat 15% off on Sparkles Diamonds.(till 31st Dec 09).

On a purchase of Rs.1000 from Welspun get Rs.100 off.(till 31st Dec 09).

Get 17% off on Adora Jewellery. (till 31st Dec 09).

15% off on Allen Solly Watches. (till 31st Dec 09).

Get 5% off on total bill at Apollo Pharmacy.(till 31st Dec 09).

Other Offer

Enjoy a cash withdrawal limit of Rs.1.5 lac per day and transaction limit of Rs.2.5 lac per day.

Free eye test and 10% discount on sunglasses, spectacles and on contact lenses. (till 31st Dec 09).

Get special deal at Apollo Clinics. (till 31stDec 09).

+++++++++++++++++++++++++++++++++++++++++++++++

2) The ICICI Bank Platinum Debit Card

Dinning Offer

20% off at Domino’s Pizza.(till 31st Dec 09).

Entertainment Offer

One month extra subscription of BIGFlix free along with a subscription of 3 months and above. (till 31st Dec 09).

On a minimum purchase of Rs.3, 500 get Rs.500 off at Café Gadgets.(till 31st Dec 09).

Shopping Offer

Get 17% off on Adora Jewellery. (till 31st Dec 09).

Get 17% off on Adora Jewellery. (till 31st Dec 09).

15% off on Allen Solly Watches. (till 31st Dec 09).

Get 15% off on Pierre Cardin Swiss Watches.(till 31st Dec 09).

On a minimum purchase of Rs.5,000 & above  from Sangini Jewellery get 12% off.(till 31st Dec 09).

Flat 15% off on Sparkles Diamonds.(till 31st Dec 09).

On a purchase of Rs.1000 from Welspun get Rs.100 off.(till 31st Dec 09).

Travel Offer

Get 15% to 25% off on room tariffs at Choice Hotels.(till 31st Dec 09).

Other Offer

Enjoy a cash withdrawal limit of Rs.1 lac per day and transaction limit of Rs.2 lac per day.

Get special deal at Apollo Clinics. (till 31stDec 09).

Get 5% off on total bill at Apollo Pharmacy.(till 31st Dec 09).

Free eye test and 10% discount on sunglasses, spectacles and on contact lenses. (till 31st Dec 09).

Petro Offer

Fuel surcharge of 2.5% waiver at all Petrol pumps.

Reward Offer

On every spent of Rs.200 get 3 reward points.

3) The ICICI Bank Titanium Debit Card

Petro Offer

Fuel surcharge of 2.5% waiver at HPCL Petrol pumps. <li></ul>

Reward Points Offer

On every spent of Rs.200 get 3 reward points. <li></ul>

Travel Offer

10% discount at Flemingo duty-free shops at select international air ports. <li></ul>

Get 15% off on Antonio Bernini Watches.(till 31st Dec 09). <li></ul>

Get 15% off on all artd’inox product.(till 31st Dec 09). <li></ul>

Budget Rent A car offers you 20% off on Tariff.(till 31st Dec 09). <li></ul>

At COSMOPOLITAN get 30% off on annual subscription.(till 31st Dec 09). <li></ul>

Flat 15% off at the Ferns N Petals Outlets.(till 31st Dec 09). <li></ul>

Get 10% off at Giordano Apparels.(till 31st Dec 09). <li></ul>

10% off on all Giordano Travel Gear Products.(till 31st Dec 09). <li></ul>

On a minimum purchase of Rs.1000 get flat 20% off at Grasim. (till 31st Dec 09). <li></ul>

Jaweb habib offers you 25% discount on all services.(till 31st Dec 09). <li></ul>

15% off on All ranges of Laopala Products.(till 31st Dec 09). <li></ul>

On a minimum purchase of Rs.1500 get Rs. 500 off at Latin Quarters.(till 31st Dec 09). <li></ul>

Get 10% off on Women Merchandise by Van Huesen.(till 31st Dec 09). <li></ul>

A shopping of Rs.3000 from Urbana get discount of Rs. 500 on same purchase. <li></ul>

Other Offer

Enjoy a cash withdrawal limit of Rs.1 lac per day and transaction limit of Rs.1.5 lac per day. <li></ul>

4)     ICICI Bank Woman’s Debit Card

Reward Points Offer

On every spent of Rs.200 get 3 reward points. <li></ul>

Shopping Offer

Get 17% off on Adora Jewellery. (till 31st Dec 09). <li></ul>

15% off on Allen Solly Watches. (till 31st Dec 09). <li></ul>

Special discounts on Morphy Richards products like 20% off on Steam Irons, Rs.800 off on mixer grinder, juicer mixer grinder and 10% off on electric cooker, hand blender,OTG and on hair care. (till 31st Dec 09). <li></ul>

On a minimum purchase of Rs.5,000 & above  from Sangini Jewellery get 12% off.(till 31st Dec 09). <li></ul>

Get 15% off on Pierre Cardin Swiss Watches.(till 31st Dec 09). <li></ul>

Flat 15% off on Sparkles Diamonds.(till 31st Dec 09). <li></ul>

Travel Offer

Get 15% to 25% off on room tariffs at Choice Hotels.(till 31st Dec 09). <li></ul>

Other Offer

Enjoy a cash withdrawal limit of Rs.25, 000 per day and transaction limit of Rs.25, 000 per day. <li></ul>

Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in. <li></ul>

++++++++++++++++++++++++++++++++++++++++++++++++++++++

5)     ICICI Bank Smart Shopper Gold Debit Card

Petro Offer

Fuel surcharge of 2.5% waiver at HPCL Petrol pumps. <li></ul>

Reward Points Offer

On every spent of Rs.200 get 3 reward points. <li></ul>

Shopping Offer

Special discounts on Morphy Richards products like 20% off on Steam Irons, Rs.800 off on mixer grinder, juicer mixer grinder and 10% off on electric cooker, hand blender,OTG and on hair care. (till 31st Dec 09). <li></ul>

Get 17% off on Adora Jewellery. (till 31st Dec 09). <li></ul>

15% off on Allen Solly Watches. (till 31st Dec 09). <li></ul>

On a minimum purchase of Rs.5,000 & above  from Sangini Jewellery get 12% off.(till 31st Dec 09). <li></ul>

Get 15% off on Pierre Cardin Swiss Watches.(till 31st Dec 09). <li></ul>

Flat 15% off on Sparkles Diamonds.(till 31st Dec 09). <li></ul>

Travel Offer

Get 15% to 25% off on room tariffs at Choice Hotels.(till 31st Dec 09). <li></ul>

Other Offer

Enjoy a cash withdrawal limit of Rs.50,000 per day and transaction limit of Rs.50,000 per day. <li></ul>

Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in. <li></ul>

++++++++++++++++++++++++++++++++++++++++++++

6)     ICICI Bank Smart Shopper Silver Debit Card

Other Offer

Enjoy a cash withdrawal limit of Rs.25, 000 per day and transaction limit of Rs.25, 000 per day. <li></ul>

Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in.<li></ul>

Reward Points Offer

On every spent of Rs.200 get 3 reward points. <li></ul>

Petro Offer

Fuel surcharge of 2.5% waiver at HPCL Petrol pumps. <li></ul>

Shopping Offer

Get 17% off on Adora Jewellery. (till 31st Dec 09). <li></ul>

15% off on Allen Solly Watches. (till 31st Dec 09). <li></ul>

Special discounts on Morphy Richards products like 20% off on Steam Irons, Rs.800 off on mixer grinder, juicer mixer grinder and 10% off on electric cooker, hand blender,OTG and on hair care. (till 31st Dec 09). <li></ul>

On a minimum purchase of Rs.5,000 & above  from Sangini Jewellery get 12% off.(till 31st Dec 09). <li></ul>

Get 15% off on Pierre Cardin Swiss Watches.(till 31st Dec 09). <li></ul>

Flat 15% off on Sparkles Diamonds.(till 31st Dec 09). <li></ul>

Travel Offer

Get 15% to 25% off on room tariffs at Choice Hotels.(till 31st Dec 09). <li></ul>

7)     ICICI Bank HPCL Debit Card

Other Offer

Enjoy a cash withdrawal limit of Rs.25, 000 per day. <li></ul>

Petro Offer

Fuel surcharge of 2.5% waiver at HPCL Petrol pumps. <li></ul>

Use your Deutsche Debit card to make your utility bill payments and get 5% discount on the bill amount for more details visit visabillpay.in.<li></ul>

Reward Points Offer

On every spent of Rs.200 get 3 reward points. <li></ul>

Shopping Offer

Get 17% off on Adora Jewellery. (till 31st Dec 09). <li></ul>

15% off on Allen Solly Watches. (till 31st Dec 09). <li></ul>

Special discounts on Morphy Richards products like 20% off on Steam Irons, Rs.800 off on mixer grinder, juicer mixer grinder and 10% off on electric cooker, hand blender,OTG and on hair care. (till 31st Dec 09). <li></ul>

On a minimum purchase of Rs.5,000 & above  from Sangini Jewellery get 12% off.(till 31st Dec 09). <li></ul>

Get 15% off on Pierre Cardin Swiss Watches.(till 31st Dec 09). <li></ul>

Flat 15% off on Sparkles Diamonds.(till 31st Dec 09). <li></ul>

Travel Offer

Get 15% to 25% off on room tariffs at Choice Hotels.(till 31st Dec 09). <li></ul>

+++++++++++++++++++++++++++++++++++++++++++

++++++++++++++++++++++++++++++++++++++++

SBI Debit Card Offers

c. SBI Gold – Master Card

Reward Points Offer

On ever spent of Rs.100 get 1 loyalty points which is equal to Re.0.25. <li></ul>

Shopping Offer

Special discounts on shopping, entertainment etc. <li></ul>

Other Offer

Enjoy a cash withdrawal limit of Rs.50, 000 per day and transaction limit of Rs.2lac per day. <li></ul>

Complementary insurance- Accidental death Rs.2 Lacs and purchase protection of Rs.5, 000. <li></ul>

SBI Gold – Visa Card

Other Offer

Enjoy a cash withdrawal limit of Rs.50, 000 per day and transaction limit of Rs.2lac per day. <li></ul>

Complementary insurance- Accidental death Rs.2 Lacs and purchase protection of Rs.5, 000. <li></ul>

Discounts on Visa Bill pay, Mobile Top Up, Virtual cards solution for e-commerce and wide range of Discount on shopping, entertainment and leisure, and purchase etc. <li></ul>

Reward Points Offer

On ever spent of Rs.100 get 1 loyalty points which is equal to Re.0.25. <li></ul>

Barclays Debit Card

1) Classic Debit Card

Reward Points Offer

Earn100 points on every spent of Rs.200 at Ferns’N’Petals. <li></ul>

Shopping Offer

At Ferns’N’Petals get 10% off on purchase upto Rs.1,000, 12.5% off on purchases above Rs.1001 to Rs.1500/-, 15% off on purchase above Rs.1501/-.(till 31 July’09 in valid in cities like Mumbai & Delhi). <li></ul>

2) Platinum Debit Card

Shopping Offer

At Ferns’N’Petals get 10% off on purchase upto Rs.1,000, 12.5% off on purchases above Rs.1001 to Rs.1500/-, 15% off on purchase above Rs.1501/-.(till 31 July’09 in valid in cities like Mumbai & Delhi). <li></ul>

Reward Points Offer

Earn100 points on every spent of Rs.200 at Ferns’N’Petals. <li></ul>

Petro Offer

Petrol surcharge waiver across all petrol pumps. <li></ul>

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

Kotak Debit Cards

Kotak Gold Card

Travel Offer

Use your Kotak Bank Debit card and you can win exclusive holiday pack or cash back.(from 15 Oct to 30 Dec 09).

Petro Offer

No surcharge of 2.5% across all petrol pumps. <li></ul>

Shopping Offer

Get 15% discount on all products at fernsnpetals.com(till 30th Nov 2009)

Global Debit Card

Shopping Offer

Get 15% discount on all products at fernsnpetals.com(till 30th Nov 2009)

Travel Offer

Use your Kotak Bank Debit card and you can win exclusive holiday pack or cash back(from 15 Oct to 31 Dec 09)

For More details check http://www.deal4loans.com and compare debit cards and choose the best.

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