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Credit cards began in the late '40s when banks began giving out paper certificates that could be used like cash in local stores. The first real credit card was issued in 1951 by Franklin National Bank in New York.

But according to Encyclopedia Britannica, the use of credit cards started in United States of America in 1920s when companies like hotels and oil companies began giving them to customers for purchases made at those business. The use of credit cards increased after World War II.

The first universal credit card -- one that could be used at a variety of stores and businesses -- was introduced by Diners Club, Inc., in 1950. Later the major universal credit card was issued by American Express company in 1958 with a slogan – "Don't leave home without it!"

BEST CREDIT CARDS

HDFC GOLD CREDIT CARDS

Advanced Feature and Benefits

Up to 5% cashback on air/ rail ticketing

5% Cash back on domestic air ticket bookings through domestic airline websites or rail ticket bookings through irctc.co.in if your statement balance for that month is above Rs 25000. Worldwide acceptance

Accepted at over 23 million Merchant Establishments around the world, including 110,000 Merchant Establishments in India.

Rewards points redemption After earning all those reward points on your HDFC Bank Gold Credit Card, redeem them for exciting gifts and services! You could even convert them to airline miles with India's leading airlines through the MyRewards programme.
Lost Card Liability

In case you lose your card, intimate us immediately. If any fraudulent transactions happen after you have intimated us, you are fully absolved of any liability on those transactions up to Rs. 2.00 lacs.

ICICI Bank Preferred Gold Credit Cards

Fuel surcharge waiver on fuel spends at select HPCL pumps (2.5 % of transaction value or Rs.10, which ever is higher).

Fabulous shopping deals & Delicious Dining Treats

Double Reward Point on every Rs. 200/- spent on hotel stays, airline ticketing and dining. Travel Privileges

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Compare Silver Credit Cards Data as on: Jan 01, 2008

	HDFC Bank	ICICI Bank	SBI	HSBC	Citibank
Card Name	Silver card	Sterling Silver	Silver	Classic	Silver
Network	Master	Visa/Master	Visa card	Visa/Master	Master
Joining Fee (in rupees)	300	NIL	NIL	NIL	Free
Annual fee(in rupees)	700	NA	Free for life	700	350
Add On Card - Issue Fee	Free	Free	NIL	Rs 350	Free
Interest Rate -on revolving Credit	41.75%	45.09% - 19.42%	44.25%	44.25%	45.75%
Interest Rate -on Cash Withdrawal	41.75%	45.09% - 19.42%	44.25%	44.25%	45.75%
Interest Rate - on Balance Transfer	1.5% of BT amount or (Rs 150/-) whichever is higher	9% p.a for 6 months and 17.88% thereafter	NA	0% interest rates for 3 month	NA
Reward points	Earn 2 reward points per Rs 150 spent on the Silver Credit Card	NA	NA	1 point for Rs 100 spend	You earn 1 Rewards Point for every Rs. 200 spent
Surcharge on Fuel	2.5% (subject to a min of Rs 10)	2.5% or Rs.10. Upto Rs.3000/- for HPCl pumps on 0% rate	0% on Rs.400-3000, 2.5% or Rs.10 whichever is higher on >3000 and <400	0%	2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs
Cash Withdrawal Fee	2.5% (Min. Rs. 300)of the cash amount	2.50% on advanced amount, subject to a minimum of Rs. 300	NA	2.5% of the transaction amount (subject to a minimum of Rs 250)	2.5% (subject to a minimum of Rs. 250 and US $5 at International ATMs)
Late Payment Fee	Rs 350 for credit card bills upto Rs 10000, Rs 500 for credit card bills between Rs 10000 and Rs 20000, Rs 600 for credit card bills above Rs 20000	30% of minimum amount outstanding (subject to min. of Rs. 350 and max. of Rs. 600)	30% of minimum amount due(Min. of Rs. 350 & Max. Rs. 600)	30% of the minimum amount ( subject to minimum of Rs 400 and a maximum of Rs 600 per month )	Rs 300 for bills upto Rs 10000, Rs 600 for bills upto Rs 10001-25000, Rs 700 for bills above Rs 25000
Overlimit Charges	2.5% of overlimit amount subject to a minimum of Rs 500	2.5% on over limit amount (subject to a min. of Rs. 500)	2.5% of overlimit amount or Rs. 500 whichever is higher	Rs 500 per month	2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)
Maximum Credit Free Period	Upto 50 days	Min : 20 days, Max : 50 days	Upto 50 days	upto 52 days	NA

*Service Tax @ 12.36% applicable to all interest rates and charges

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