Types of credit cards and their uniqueness.

Many Indian banks provide different types of credit cards. People can choose a credit card according to their usage & purchasing habits. Although bank only offers a credit card to only eligible consumers but an eligible customer can opt for various other card types mentioned in the next paragraph. It adds a lot of benefits and is an ideal match for their requirements.


Example – If you travel a lot, then a travel Credit card is best for you. It can help customer earn air miles reward point, access any airport lounges and take benefits of their credit cards, etc. In India, credit cards are offered in collaboration with following payment networks – Visa, MasterCard, American Express, Diner’s Club, etc. These are basically card manufacturers. Each manufacturer or card type uses a pre-decided set of card numbers to make it easier figuring out a card type at the later stage. Example:




Type of Credit Card Prefix Credit Card Number
Diners ClubCarte Blanche 300-305
China UnionPay 62, 88
Discover Card 6011, 622126-622925, 644-649, 65
Diners Club International 300-305, 309, 36, 38-39
Diners Club US & Canada 54, 55
Visa Electron 4026, 417500, 4405, 4508, 4844, 4913, 4917
JCB 3528-3589
Laser 6304, 6706, 6771, 6709
Maestro 5018, 5020, 5038, 5612, 5893, 6304, 6759, 6761, 6762, 6763, 0604, 6390
Dankort 5019
MasterCard 50-55
Visa 4
American Express 34, 37



There are different categories of credit cards below:



1.Gold Credit Cards
2.Business Credit Cards
3.Cashback cards
4.Classic Credit Cards
5.Rewards Cards
6.Co-branded Credit Cards
7.Contactless Credit Cards
8.Balance transfer Credit Cards
9.Credit cards for Women
10.Entertainment Cards
11.Lifestyle Cards
12.Platinum Credit Cards
13.Premium/Signature Credit Cards
14.Prepaid Credit Cards
15.Auto / Fuel Credit Cards
16.Silver Credit Cards
17.Titanium Credit Cards
18.Travel Cards

click here to continue