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Credit Cards

The following credit cards are accepted for Equitymaster subscriptions:

American Express: The world's favorite card. With more than 57 million cards in circulation and growing! Around US $123 billion was spent last year through American Express Cards and it is poised to be the world's No. 1 card in the near future. In a regressive US economy last year, the total amount spent on American Express cards rose by 4 percent. American Express cards are especially popular in the U.S., Canada, Europe and Asia and are used widely in the retail and everyday spend categories.

Citibank E-Cards: Citibank has launched a new initiative Citibank eCard to promote safe and secure E-shopping. Like a regular Credit Card but without a physical plastic, it is India 's first web Credit Card. The Citibank eCard can be used for all types of Internet shopping and transactions through telephone and mail order. You can also do all transactions available on Internet Banking, including utility bills and ordering a demand draft.

Diners Club International: The world's No. 1 Charge Card. Diners Club cardholders reside all over the world and the Diners Card is an old corporate favorite. There are more than 8 million Diners Club cardholders. Diners Club cardholders are generally affluent, and are frequent travelers in premier businesses and institutions, including Fortune 500 companies and leading global corporations.

JCB Cards: The JCB Card has a merchant network of 10.93 million spanning 189 countries. It is supported by more than 320 financial institutions worldwide and serves more than 48 million cardholders in 18 countries. The JCB philosophy of "identify the customer's needs and please the customer with Service from the Heart" is paying rich dividends as their customers spend US$43 billion annually on their JCB cards.

MasterCard: MasterCard International is a global payments company with one of the most recognized and respected brands in the world. With 32 million acceptance locations, no payment card is more widely accepted globally than MasterCard. Last year, MasterCard handled transactions worth US$285 billion.

VISA: The world's most preferred card. There are more than one billion cards in circulation, with unsurpassed acceptance in more than 150 countries. Visa-branded cards alone generate US$2.4 trillion in annual card sales volume. Nearly half of this in US alone.

Net Banking

The following net banking gateways are accepted for Equitymaster subscriptions:

Centurion Bank of Punjab
In 2005, the Bank of Punjab and Centurion Bank merged to create the 5 th largest bank private sector bank in India . The merger combines Centurion's network in the South and West of India and Bank of Punjab's in the North to give it an impressive nationwide presence of 279 branches, 408 ATMS and 2200000 customers. The banks complementary strengths give them a strong standing in the SME's, Agriculture and Retail segments. The new Centurion Bank of India will provide their customers with high yielding retail assets portfolio and low cost deposit base which will result in high margins.

Citibank:
Citibank is a member company of Citigroup, the largest and the most diversified provider of financial services in the world. With its 103-year old history, it is one of the leading international banks with a history of innovation and customer service and an outstanding track record of business milestones.

In India`, it was the pioneer in consumer banking - the first to introduce focused consumer lending programs and electronic banking - has made significant investments in technology. Today, it provides a comprehensive range of financial services including treasury management, transaction services, securities custodianship, foreign exchange, fixed income and equities sales and trading, and corporate finance to corporate clients, governments and financial institutions. It operates in 25 offices and branches across 18 cities. It is the largest issuer of Credit Cards and offer mortgages, personal loans, insurance, and investment services for on-shore customers.

HDFC Bank:
Established in August 1994, HDFC (Housing Development Finance Corporation) Bank Limited offers a wide range of commercial and transactional banking services and treasury products to wholesale and retail customers. This includes working capital finance, trade services, transactional services, cash management etc. It also is a leading provider of structured solutions, which combine cash management services with vendor and distributor finance for facilitating superior supply chain management for its corporate customers. Moreover, it hosts a wide array of retail loan products like Auto Loans, Loans against marketable securities, Personal Loans and Loans for Two-wheelers.

HDFC backs its products with world-class service through 583 branches spread over 263 cities across India , 1471 networked ATMs which can be accessed by all domestic and international Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and American Express Credit/Charge cardholders. They also offer their customers Tele Banking facilities in over 120 locations.

ICICI Bank Ltd.:
ICICI bank merger with ICICI Limited has made it the second biggest financial entity in the country, second only to the state Bank of India. It offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels, specialized subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management. Its customers can avail these services through its large network of 614 branches and extensions counters and over 2,200 ATM's.

Currently, ICICI Bank also has subsidiaries in the United Kingdom, Canada and Russia, branches in Singapore and Bahrain and representative offices in the United States, China, United Arab Emirates, Bangladesh and South Africa .

ICICI ePayments Ltd.:
ICICI ePayments Ltd., a subsidiary of ICICI Ltd., (www.payseal.com) is dedicated to providing secure electronic commerce payment solutions. It is the first company in the Asian region to incorporate Visa International's Global Authentication Payment Mechanism. This is a 3-D secure protocol, which makes it mandatory for the card holder to punch in not only his PIN number, but also a special log-in ID and a password which will enable banks to identify and trace the point of origin of the transaction. This process of tracking will leave absolutely no scope of dispute or charge backs. The Company will also provide proprietary payment gateway services to CCAvenue.

IDBI Bank:
IDBI Ltd, the tenth largest development bank in the world. It is India 's youngest and one of the fastest growing new private sector banks and has promoted world class institutions in India . The Bank has surged ahead from strength to strength and is fast transforming into a technology led, service driven financial services marketing company with managed with intellectual integrity.

Today, IDBI provides a large range of products and services to industrial concerns, covering almost the entire spectrum of industrial activities, including manufacturing and services. It serves its nearly one million customers through a large network of 432 branches and 520 ATMs.

IndusInd Bank:
IndusInd Bank Ltd., one of the leading new-generation private-sector banks in India, commenced operations in 1994 and built up its net worth to Rs. 866 crore as at March 31, 2006. With the recent GDR issue, the net worth of the Bank has crossed Rs. 1000 crore (approximately) as on March 31, 2007. Driven by technology, the Bank constantly upgrades its support systems for the introduction of retail banking products and alternative delivery channels, while continuing to expand its network of branches. In its twelve years of existence, the Bank has displayed its commitment to global benchmarks in retail banking by proactively adopting the requirements of ISO 9001:2000 quality certification for its entire network of branches. It was one of the first banks to go live on the RTGS platform and enjoys clearing bank status for both major stock exchanges - BSE and NSE and both major commodity exchanges in the country – MCX and NCDEX. It also offers DP facilities for stock and commodity segments. Since the merger of Ashok Leyland Finance in June 2004, the Bank has expanded its retail portfolio. It is a large player in the financing of commercial vehicles, utility vehicles, 2/3-wheelers and construction equipment. The Bank has been given the highest A1+ rating for its Certificates of Deposits by ICRA. The Bank has been awarded the highest P1+ rating for its FDs by CRISIL, who have also assigned the highest safety ratings to the Bank’s Pass through Certificates for securitized assets. For more information visit us at: www.indusind.com.

Kotak Mahindra Group:
Kotak Mahindra Group is one of India's leading financial institutions, offering complete financial solutions that encompass every sphere of life. The group has a net worth of over Rs.3,100 crore and employs over 9,100 employees in its various businesses. With a presence in 82 cities in India and offices in New York, London, Dubai and Mauritius, it services a customer base of over 2.2 million. The Kotak Mahindra Group's flagship company, Kotak Mahindra Finance Ltd which was established in 1985, was converted into a bank – Kotak Mahindra Bank Ltd in March 2003 becoming the first Indian company to convert into a Bank. It's banking operations offers a central platform for customer relationships across the group's various businesses. The bank has a presence in the Commerial Vehicles, Retail Finance, Corporate Banking and Treasury and Housing Finance segments.

Oriental Bank of Commerce
Oriental Bank of Commerce was founded by Rai Bahadur Lala Sohan Lal in Lahore, and was re-located to Amritsar after the partition in 1947.

Now 63 years later, with a customer base of 8.3 lakhs the Oriental Bank of Commerce has a stronghold on two different spheres in the industry – the traditional public and the modern private sector. To emphasis its commitment to its customers, the bank has undertaken taken major technological initiatives like its merger with the Global Trust Bank to strengthen existing infrastructure. Currently, the bank has a geographical network of 1143 Branches, 162 Extension Counters (E/C) and 514 ATMs. It has tied up with the MITR Network and the National Financial Switch (NFS) to provide its ATM card holder’s access to approximately 7200 ATMs across the country.

Punjab National Bank (PNB) :
Established in 1895 at Lahore, undivided India, Punjab National Bank (PNB) has the distinction of being the first bank to have been started solely with Indian capital. From its modest beginning, the bank has grown in size and stature to become a front-line banking institution in India at present. Punjab National Bank (PNB) is today, serving over 3.5 crore customers through 4497 offices, largest amongst Nationalized Banks.

PNB operates at the cutting edge of technology for its customers and offers innovative services to its customers, such as Free Tele-banking / Fax Banking facility, and Centralized Banking Solution (CBS), an inter-branch networking and data sharing platform which makes 'Anytime Anywhere ' banking a reality for its customers. It has also launched a Debit/ATM card which can be accessed at 555 ATMs PNB ATMS and 11000 other ATMs through tie ups with other Banks.

The Federal Bank Ltd:
The Federal Bank is a regional giant one with strong national presence and global reach . From its humble beginning as Travancore Federal Bank Ltd. almost Five decades ago, Federal Bank has grown to become India 's largest private sector bank and is now the largest scheduled commercial bank in Kerala.

The Bank has emerged into a financial supermarket giving the customers a range of products and services. It has the full range of delivery channels including Internet Banking, Mobile Banking and Alerts, any Where (Branch) Banking, Interconnected Visa enabled ATM networks, E-mail Alerts, Tele Banking, and a Centralised customer Call Centre with toll free number.

It also has a very wide network of more than 500 offices and 275 ATMs covering almost all the important cities in the country with a dominant presence in the State of Kerala with more than 300 branches. It also has strong patronage of NRI Community and NRI deposits constitute 40 % of its total deposits.

UTI Bank:
UTI Bank was the first of the new private banks to begin operations in 1994, after the Government of India allowed new private banks to be established. The Bank was promoted jointly by Unit Trust of India, the largest mutual fund in India, Life Insurance Corporation of India (LIC) and General Insurance Corporation Ltd. and its four subsidiaries viz. National Insurance Company Ltd., The New India Assurance Company, The Oriental Insurance Corporation and United Insurance Company Ltd. Presently, the Bank has a very wide network of more than 373 branch offices and Extension Counters. It also has one of the largest ATM networks in the country with over 1737 ATMs providing 24hrs a day banking convenience to its customers. The Bank has strengths in both retail and corporate banking and is committed to adopting the best industry practices internationally in order to achieve excellence.

The Bank of Rajasthan:
Established in May 1943 in Udaipur, The Bank of Rajasthan is the largest private sector bank in North India. The bank provides its customers with the following services - Commercial Banking, Merchant Banking, Auxiliary services, Consumer Banking, Deposit & Money Placement services, Trust & Custodial services, International Banking, Priority Sector Banking, and Depository. It also has specialized Forex and Industrial finance branches.

The Bank of Rajasthan has branches all across India with prominent presence in Rajasthan. Its large network includes 12 Regional Offices, 436 branches 5 extension counter and 344 Online Branches (Includes Extn. Counters). 96 branches are fully computerized.

YES Bank:
YES Bank, India’s new age private sector bank started operations in November 2004. It aims to be a state-of-the-art technology driven, high quality, private Indian Bank catering to ‘Emerging India’.

In just 4 years since its inception, YES Bank has achieved its goal by creating a presence in the Industry by virtue of its innovative Business Model. Today, it has branches in all major cities across India and offers a comprehensive range of banking products and financial services, which include corporate and institutional banking, financial markets, investment banking, business and transactional banking, retail and private banking business lines across the country.

Here's the updated list of banks and credit cards that we accept: Banks | Debit Cards | Credit Cards.

	American Express: The world's favorite card. With more than 57 million cards in circulation and growing! Around US $123 billion was spent last year through American Express Cards and it is poised to be the world's No. 1 card in the near future. In a regressive US economy last year, the total amount spent on American Express cards rose by 4 percent. American Express cards are especially popular in the U.S., Canada, Europe and Asia and are used widely in the retail and everyday spend categories.
	Citibank E-Cards: Citibank has launched a new initiative Citibank eCard to promote safe and secure E-shopping. Like a regular Credit Card but without a physical plastic, it is India 's first web Credit Card. The Citibank eCard can be used for all types of Internet shopping and transactions through telephone and mail order. You can also do all transactions available on Internet Banking, including utility bills and ordering a demand draft.
	Diners Club International: The world's No. 1 Charge Card. Diners Club cardholders reside all over the world and the Diners Card is an old corporate favorite. There are more than 8 million Diners Club cardholders. Diners Club cardholders are generally affluent, and are frequent travelers in premier businesses and institutions, including Fortune 500 companies and leading global corporations.
	JCB Cards: The JCB Card has a merchant network of 10.93 million spanning 189 countries. It is supported by more than 320 financial institutions worldwide and serves more than 48 million cardholders in 18 countries. The JCB philosophy of "identify the customer's needs and please the customer with Service from the Heart" is paying rich dividends as their customers spend US$43 billion annually on their JCB cards.
	MasterCard: MasterCard International is a global payments company with one of the most recognized and respected brands in the world. With 32 million acceptance locations, no payment card is more widely accepted globally than MasterCard. Last year, MasterCard handled transactions worth US$285 billion.
	VISA: The world's most preferred card. There are more than one billion cards in circulation, with unsurpassed acceptance in more than 150 countries. Visa-branded cards alone generate US$2.4 trillion in annual card sales volume. Nearly half of this in US alone.

	Centurion Bank of Punjab In 2005, the Bank of Punjab and Centurion Bank merged to create the 5 th largest bank private sector bank in India . The merger combines Centurion's network in the South and West of India and Bank of Punjab's in the North to give it an impressive nationwide presence of 279 branches, 408 ATMS and 2200000 customers. The banks complementary strengths give them a strong standing in the SME's, Agriculture and Retail segments. The new Centurion Bank of India will provide their customers with high yielding retail assets portfolio and low cost deposit base which will result in high margins.
	Citibank: Citibank is a member company of Citigroup, the largest and the most diversified provider of financial services in the world. With its 103-year old history, it is one of the leading international banks with a history of innovation and customer service and an outstanding track record of business milestones. In India`, it was the pioneer in consumer banking - the first to introduce focused consumer lending programs and electronic banking - has made significant investments in technology. Today, it provides a comprehensive range of financial services including treasury management, transaction services, securities custodianship, foreign exchange, fixed income and equities sales and trading, and corporate finance to corporate clients, governments and financial institutions. It operates in 25 offices and branches across 18 cities. It is the largest issuer of Credit Cards and offer mortgages, personal loans, insurance, and investment services for on-shore customers.
	HDFC Bank: Established in August 1994, HDFC (Housing Development Finance Corporation) Bank Limited offers a wide range of commercial and transactional banking services and treasury products to wholesale and retail customers. This includes working capital finance, trade services, transactional services, cash management etc. It also is a leading provider of structured solutions, which combine cash management services with vendor and distributor finance for facilitating superior supply chain management for its corporate customers. Moreover, it hosts a wide array of retail loan products like Auto Loans, Loans against marketable securities, Personal Loans and Loans for Two-wheelers. HDFC backs its products with world-class service through 583 branches spread over 263 cities across India , 1471 networked ATMs which can be accessed by all domestic and international Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and American Express Credit/Charge cardholders. They also offer their customers Tele Banking facilities in over 120 locations.
	ICICI Bank Ltd.: ICICI bank merger with ICICI Limited has made it the second biggest financial entity in the country, second only to the state Bank of India. It offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels, specialized subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management. Its customers can avail these services through its large network of 614 branches and extensions counters and over 2,200 ATM's. Currently, ICICI Bank also has subsidiaries in the United Kingdom, Canada and Russia, branches in Singapore and Bahrain and representative offices in the United States, China, United Arab Emirates, Bangladesh and South Africa .
	ICICI ePayments Ltd.: ICICI ePayments Ltd., a subsidiary of ICICI Ltd., (www.payseal.com) is dedicated to providing secure electronic commerce payment solutions. It is the first company in the Asian region to incorporate Visa International's Global Authentication Payment Mechanism. This is a 3-D secure protocol, which makes it mandatory for the card holder to punch in not only his PIN number, but also a special log-in ID and a password which will enable banks to identify and trace the point of origin of the transaction. This process of tracking will leave absolutely no scope of dispute or charge backs. The Company will also provide proprietary payment gateway services to CCAvenue.
	IDBI Bank: IDBI Ltd, the tenth largest development bank in the world. It is India 's youngest and one of the fastest growing new private sector banks and has promoted world class institutions in India . The Bank has surged ahead from strength to strength and is fast transforming into a technology led, service driven financial services marketing company with managed with intellectual integrity. Today, IDBI provides a large range of products and services to industrial concerns, covering almost the entire spectrum of industrial activities, including manufacturing and services. It serves its nearly one million customers through a large network of 432 branches and 520 ATMs.
	IndusInd Bank: IndusInd Bank Ltd., one of the leading new-generation private-sector banks in India, commenced operations in 1994 and built up its net worth to Rs. 866 crore as at March 31, 2006. With the recent GDR issue, the net worth of the Bank has crossed Rs. 1000 crore (approximately) as on March 31, 2007. Driven by technology, the Bank constantly upgrades its support systems for the introduction of retail banking products and alternative delivery channels, while continuing to expand its network of branches. In its twelve years of existence, the Bank has displayed its commitment to global benchmarks in retail banking by proactively adopting the requirements of ISO 9001:2000 quality certification for its entire network of branches. It was one of the first banks to go live on the RTGS platform and enjoys clearing bank status for both major stock exchanges - BSE and NSE and both major commodity exchanges in the country – MCX and NCDEX. It also offers DP facilities for stock and commodity segments. Since the merger of Ashok Leyland Finance in June 2004, the Bank has expanded its retail portfolio. It is a large player in the financing of commercial vehicles, utility vehicles, 2/3-wheelers and construction equipment. The Bank has been given the highest A1+ rating for its Certificates of Deposits by ICRA. The Bank has been awarded the highest P1+ rating for its FDs by CRISIL, who have also assigned the highest safety ratings to the Bank’s Pass through Certificates for securitized assets. For more information visit us at: www.indusind.com.
	Kotak Mahindra Group: Kotak Mahindra Group is one of India's leading financial institutions, offering complete financial solutions that encompass every sphere of life. The group has a net worth of over Rs.3,100 crore and employs over 9,100 employees in its various businesses. With a presence in 82 cities in India and offices in New York, London, Dubai and Mauritius, it services a customer base of over 2.2 million. The Kotak Mahindra Group's flagship company, Kotak Mahindra Finance Ltd which was established in 1985, was converted into a bank – Kotak Mahindra Bank Ltd in March 2003 becoming the first Indian company to convert into a Bank. It's banking operations offers a central platform for customer relationships across the group's various businesses. The bank has a presence in the Commerial Vehicles, Retail Finance, Corporate Banking and Treasury and Housing Finance segments.
	Oriental Bank of Commerce Oriental Bank of Commerce was founded by Rai Bahadur Lala Sohan Lal in Lahore, and was re-located to Amritsar after the partition in 1947. Now 63 years later, with a customer base of 8.3 lakhs the Oriental Bank of Commerce has a stronghold on two different spheres in the industry – the traditional public and the modern private sector. To emphasis its commitment to its customers, the bank has undertaken taken major technological initiatives like its merger with the Global Trust Bank to strengthen existing infrastructure. Currently, the bank has a geographical network of 1143 Branches, 162 Extension Counters (E/C) and 514 ATMs. It has tied up with the MITR Network and the National Financial Switch (NFS) to provide its ATM card holder’s access to approximately 7200 ATMs across the country.
	Punjab National Bank (PNB) : Established in 1895 at Lahore, undivided India, Punjab National Bank (PNB) has the distinction of being the first bank to have been started solely with Indian capital. From its modest beginning, the bank has grown in size and stature to become a front-line banking institution in India at present. Punjab National Bank (PNB) is today, serving over 3.5 crore customers through 4497 offices, largest amongst Nationalized Banks. PNB operates at the cutting edge of technology for its customers and offers innovative services to its customers, such as Free Tele-banking / Fax Banking facility, and Centralized Banking Solution (CBS), an inter-branch networking and data sharing platform which makes 'Anytime Anywhere ' banking a reality for its customers. It has also launched a Debit/ATM card which can be accessed at 555 ATMs PNB ATMS and 11000 other ATMs through tie ups with other Banks.
	The Federal Bank Ltd: The Federal Bank is a regional giant one with strong national presence and global reach . From its humble beginning as Travancore Federal Bank Ltd. almost Five decades ago, Federal Bank has grown to become India 's largest private sector bank and is now the largest scheduled commercial bank in Kerala. The Bank has emerged into a financial supermarket giving the customers a range of products and services. It has the full range of delivery channels including Internet Banking, Mobile Banking and Alerts, any Where (Branch) Banking, Interconnected Visa enabled ATM networks, E-mail Alerts, Tele Banking, and a Centralised customer Call Centre with toll free number. It also has a very wide network of more than 500 offices and 275 ATMs covering almost all the important cities in the country with a dominant presence in the State of Kerala with more than 300 branches. It also has strong patronage of NRI Community and NRI deposits constitute 40 % of its total deposits.
	UTI Bank: UTI Bank was the first of the new private banks to begin operations in 1994, after the Government of India allowed new private banks to be established. The Bank was promoted jointly by Unit Trust of India, the largest mutual fund in India, Life Insurance Corporation of India (LIC) and General Insurance Corporation Ltd. and its four subsidiaries viz. National Insurance Company Ltd., The New India Assurance Company, The Oriental Insurance Corporation and United Insurance Company Ltd. Presently, the Bank has a very wide network of more than 373 branch offices and Extension Counters. It also has one of the largest ATM networks in the country with over 1737 ATMs providing 24hrs a day banking convenience to its customers. The Bank has strengths in both retail and corporate banking and is committed to adopting the best industry practices internationally in order to achieve excellence.
	The Bank of Rajasthan: Established in May 1943 in Udaipur, The Bank of Rajasthan is the largest private sector bank in North India. The bank provides its customers with the following services - Commercial Banking, Merchant Banking, Auxiliary services, Consumer Banking, Deposit & Money Placement services, Trust & Custodial services, International Banking, Priority Sector Banking, and Depository. It also has specialized Forex and Industrial finance branches. The Bank of Rajasthan has branches all across India with prominent presence in Rajasthan. Its large network includes 12 Regional Offices, 436 branches 5 extension counter and 344 Online Branches (Includes Extn. Counters). 96 branches are fully computerized.
	YES Bank: YES Bank, India’s new age private sector bank started operations in November 2004. It aims to be a state-of-the-art technology driven, high quality, private Indian Bank catering to ‘Emerging India’. In just 4 years since its inception, YES Bank has achieved its goal by creating a presence in the Industry by virtue of its innovative Business Model. Today, it has branches in all major cities across India and offers a comprehensive range of banking products and financial services, which include corporate and institutional banking, financial markets, investment banking, business and transactional banking, retail and private banking business lines across the country.
Here's the updated list of banks and credit cards that we accept: Banks \| Debit Cards \| Credit Cards.