Wednesday, April 1, 2009

Major Credit Card Types and Issuers by Country

USA 

Types of credit card: Airline Credit Cards, Balance Transfer Cards, Business Credit Cards, Cash Back Credit Cards, Credit Card Specials, Instant Approval Cards, Low Interest Credit Cards, Prepaid and Debit Cards, Reward Credit Cards and Student Credit Cards. 

Major issuers: Advanta, Bank of America, Capital One, Discover, First National Bank of Omaha, HSBC Bank, MasterCard, Orchard Bank, Visa, American Express, Chase, First Premier Bank and Citi Credit Cards. 

UK 

Types of credit card: 0% Balance Transfer Cards, Cash back Cards, 0% Purchase Cards, Long Term / Life Balance Transfer Cards, Virtual Cards, Purchase Cards Low Standard Rate Cards, Business Cards, Low Credit Score Cards, Charge Cards, Loyalty Reward Cards, Charity Cards, Music Cards and Sports Cards. 

Major issuers: 360Money, Marks & Spencer Money plc, AA, Nationwide, Bank of Ireland (NI), Orange, Capital One Bank, PayPal, Debenhams, Quidity, easykard, Raphaels Bank, first direct, Saga, GE Capital Bank, Tesco Personal Finance, Halifax Card Services, Ulster Bank (NI), IDT Prime, Vanquis, John Lewis, Yorkshire Bank and Leeds Building Society. 

Australia 

Types of credit card: Low interest, Rewards Programs, Interest Free, Cash Back, No Annual Fee, Airline Rewards, Balance Transfer and Gold and Platinum credit cards. 

Credit card companies: American Express, Diners Club, Visa, Debit Cards and Mastercard. 

India 

Types of credit card: Premium Credit Cards, Cash Back Credit Cards, Gold Credit Cards, Airline Credit Cards, Silver Credit Cards, Business Credit Cards, Balance Transfer Credit Cards, Co-branded Credit Cards, Low Interest Credit Cards, Lifetime Free Credit Cards and Rewards. The Rewards credit cards may be subdivided into Points, Hotels/Travels, Retail, Auto and Fuels cards. 

Major issuers: American Express, HSBC, ANZ, Macquarie Bank, Aussie, NAB, BankWest, St George, Bank of Queensland, Suncorp Metway, Citibank, Westpac and Commonwealth Bank. The major credit card providers in India are ABN Amro, HDFC, American Express, ICICI Bank, Axis Bank, SBI, Bank of Baroda, Canara Bank, Citibank, Visa, HSBC, MasterCard, Deutsche Bank, Amex, Barclays Bank, Diners Club, Standard Chartered and Kotak Mahindra. 

Singapore 

Singapore credit cards are issued by banks as well as non-banking financial institutes. Getting a credit card in Singapore is easy. Difficulty lies in resisting the temptation of acquiring multiple cards since they are available conveniently across this port country. 

The banks in Singapore offer Master and Visa cards. The non- banking credit cards include Diners Club, American Express, and JCB cards. Bank credit cards are more easily available from account holding banks. Acquiring credit cards from non-account holding banks is tougher and unnecessary.

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