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INTRODUCTION
Credit Card
Credit cards in India are gaining ground. A number of banks in India are encouraging people to use credit card. The concept of credit card was used in 1950 with the launch of charge cards in USA by Diners Club and American Express. Credit card however became more popular with use of magnetic strip in 1970. Credit card in India became popular with the introduction of foreign banks in the country. Credit cards are financial instruments, which can be used more than once to borrow money or buy product and service on credit. Basically banks retail stores and other businesses issue these.

Major Banks issuing Credit Card in India

State Bank of India credit card ( SBI credit card) Bank of Baroda credit card or BOB credit card ICICI credit card HDFC credit card IDBI credit card ABN AMRO credit card HSBC credit card Citibank Credit Card

Global player in credit card market Master card

Master card is a product of Master Card international and along with VISA is distributed by financial institutions around the world. Cardholders borrow money against a line of credit and pay it back its interest if the balance is carried over from month to month. Its products are issued by 23,000 financial institutions in 220 countries and territories. In 1998, it had almost 700 million cards in circulation, whose users spent $650 billion in more than 16.2 million locations. VISA Card VISA cards is a product of VISA USA and along with MasterCard is distributed by financial institutions around the world. A VISA cardholder borrows money against a credit line and repays the money with interest if the balance is carried over from month to month in a revolving line of credit. Nearly 6000 million cards carry one of the VISA brands and more than 14 million locations accept VISA cards. American Express 2

The worlds favorite card is American Express Credit card. More than 57 million are in circulation and growing and it is still growing further. Around US $123 billion was spent last year through American Express Cards and it is poised to the worlds No. I card in the near future. In a regressive US economy last year, the total amounts spend on American Express card rose by 4 percent. American Express cards are very popular in the U.S., Canada, Europe and Asia and are used widely in the retail and everyday expenses segment.

Diners Club International

Diners Club is the worlds No. 1 Charge Card. Diners Club cardholders reside all over the world and the Diners Card is a all time favorite for corporate. There are more than 8 million Diners Club cardholders. They are affluent and are frequent travelers in premier business and institutions, including fortune 500 companies and leading global corporations.

The following are some of the varieties of credit cards in India.

ANZ Gold ANZ- Silver Bank of India- India card Bol- Taj Premium Bol- Gold BOB- Exclusive BoB-Premium Canara Bank- Cancard Citibank Gold Citibank- Silver Citibank WWF card Citibank visa card for women Citibank Cry Card Citibank Silver International Credit Card Citibank Womens International Credit Card Citibank Gold International Credit Card Citibank Electronic Credit Card Citibank Indian Oil International Credit Card Citibank Citi Diners Club Card HSBC Gold HSBC- Classic ICICI Sterling Silver Credit Card ICICI Solid Gold Credit Card ICICI True Blue Credit Card SBI Card Stanchart Gold Stanchart- Executive 3

Stanchart- Classic Thomas Cook Standard Chartered Global Credit Card.

Standard Segregation of credit card

Standard Card it is the most basic card ( sans all frills) offered by issuers. Classic Card Brand name for the standard card issued by VISA Gold Card/ Executive Card A credit card that offers a higher line of credit than a standard card, income eligibility is also higher. In additions, issuers provide extra perks or incentives to cardholders. Platinum card A credit card with a higher limit and additional perks than a gold card. Titanium Card A card with an even higher limit than a platinum card.

PROGRESS OF CREDIT CARD BUSINESS

The number of members using credit card and the number of establishment ownering it after joining the scheme have increased vastly over the past few years. Many Indian banks have joined hand with international banks to provide this card facility on a worldwide based or a selected international centers. The number of credit card holders which was 8 lakh (1997), have increased to 25 lakh now. The credit card network is also fast spreading in smaller cities and towns besides by cities and metros.

ELIGIBILITY
A bank who is in the business of credit card grant subject to some rules and guidelines to its eligible customer before a credit card is given to a customer the banker analysis following factors and accordingly fixes a credit limit if found eligible. The customer should have a saving or current account with the bank. His/Her monthly or annual are regularly received and credit to this bank account. His/Her assets and liabilities are known and reported to the bank. He is considered credit worthy up to a limit depending on his income, assets and expenditure and past dealing with the bank. The eligible member is then asked to fill in an application from where in details of account number, name and address, income, wealth, status and evidence statement of income etc. are given. This application form is processed and credit limit is established. This credit limit differs from individual to individual and Bank to bank. The maximum limit depends upon the users income. Some banks have fixed of Rs. 1 lakh, 2 lakh or 5 lakh.

ARRANGEMENTS WITH BANKER

Credit card is the key to opening of the bank accounts. The credit card charges and other payments utilized through credit cards are debited to his account. The banker issues a monthly statement and sent to cardholder. This statement contains details of the charges.

The following are some of the plus features of credit card in India.
Hotel discounts Travel fare discounts Free global calling card Lost baggage insurance Accident insurance Insurance on goods purchased Waiver of payment in case of accidental death Household insurance

Benefits of having a Credit card

A credit card makes it easy to buy something now and pay for it later. Its much safer to use a credit card than to carry around cash. If you lose your credit car, you can ask your credit card company to cancel your card, and no one else can use it. But if you lease cash your money is gone. Credit cards are also convenient. Your can use them to make hotel, are rental and other reservations. You can buy items over the phone or online. You can also use credit cards for emergencies, like unexpected care repairs, when you dont have the cash to cover the expenses. A Credit card gives you a credit history, which helps to get home loans and other credit in a future.

HOW CREDIT CARD BENEFITS THE BANK

Credit card increases the customer base of the bank. Credit card increases credit portfolio of the bank. Credit card enhances the reputation of the bank public. The business establishments, which accept these cards, also give some incentives or commission to bank, by which the bank gains.

HOW CREDIT CARD BENEFITS THE CARD HOLDER

Cardholder can avoid carrying cash and risk of its lose. Cardholder enjoys a credit limit up to which he makes purchases per his need and pay at leisure. Cardholder gets some period of 30 to 45 days the outstanding overdraft. Credit cards serve as a status symbol. Money can be withdrawn at any time over the day and night. It provides free accidentals insurance cover. It provides purchase protection loss of travel, documents, loss of delay in arrival of baggage screeched baggage.

BENEFITS TO BUSINESS ESTABLISHMENT

Business increases to great extent of business houses that accept credit cards. Reputation of the business establishment increases. Customer based increases.

What are the cost of having a credit card?

All credit cards have finance charges foror not paying your balance in fill each month, but you could save a lot of money by shopping around for the credit card that offers you the best terms. Key credit card terms to took at are the annual percentage rate (APR), annual fee, grace period, and late payment charge. Shop for a card with a grace period that gives you enough time to pay your bills on time without charging you interest. Credit card with no grace period start charging you fees as soon as you buy something on your credit card.

Where can I get credit card ?

Your mail is probably full credit card offers from national companies. Most local banks and Community Development Credit Unions (CDCUs) offer credit cards as well. The fees, charges and benefits for credit cards very among different companies. When youre choosing a card, shop around. CDCUs often offer the best rates and lowest fees, since they are not trying to make a profit like credit card companies are. Some large department stroes also offer credit cards that only can be used in their stores. Usually, when you apply for a store credit card, you get a one-time discount on your purchase that day. But these credit cards have limited uses and often carry high finance charges.

How do I get a credit card

If you are least 18 years old, have a regular source of income and good credit rating; you can probably qualify for a credit card. Before you submit a credit card application, order a copy of your credit report to make sure all of the information on it is correct. After you check your credit report, and fix any wrong information, you can start carefully researching credit card rates, fees and benefits. At the same time, make a list of the features you want in a credit card. Call any credit any credit companies youre interested in for question and other available plans.

REVIEW OF LITERATURE
Investigates the attitudes of Turkish consumers towards credit cards, and the approach of card issuers, by surveying two samples of 200 card-holders and nonholders: the better educated, middle-aged members of the upper-middle class seem to be the prime target; the most important reasons for using a credit card were ease of payment followed by risk of carrying cash; non-holders do not carry credit cards because they do not know much about it; informal sources of information appear to be more influential than mass media advertising in penetrating the market; proposes that the usage and the administration of credit cards are influenced very much by the infrastructure of the country and, hence, credit card companies have to modify their marketing and administrative procedures rather than following a standardized approach. Credit cards, including store cards and bankcards, serve two distinct functions for consumers: a means of payment and a source of credit (Ausubel 1991; Chakravorti 1997, 2000; Chakravorti and Emmons 2001; Slocum and Matthews 1970; Stavins 2000). Based on the main use of credit cards and the benefits sought, credit card users can be segmented into two groups: convenience users and revolvers (Lee and Hogarth 1999). Convenience users tend to employ credit cards as an easy mode of payment; typically pay their balance in full upon receiving the statement. Revolvers, on the other hand, use the card principally as a mode of financing and chose to pay interest charges on the unpaid balance. According to the consumer behavior literature, consumer usage behavior and the benefits sought from a product or a service are one of the best predictors to explain consumer purchase behavior (PeterandOlson1999). Credit cards also serve as an open-ended, easily available credit source ( Lee and Kwon 2002). When consumers use credit cards as a mode of financing, credit cards compete with bank loans and other forms of financing

(Brito and Hartley 1995). Credit cards allow consumers to borrow within their credit limit without transaction costs, which includes all the time and effort involved with obtaining a loan from a financial institution. This convenience attracts many consumers to pay high interest on outstanding credit card balances, rather than taking the time to apply for a loan with a lower interest rate. As a result, credit cards account for a substantial and growing share of consumers' debt Ausubel (1991) suggests that consumers may not even consider the interest rate when making purchases because they do not intend to borrow for an extended period when they make purchases. However, they may change their minds when the bill arrives. Stavins (1996) argues that consumers are somewhat sensitive not only to changes in the interest rate but also to the value of other credit-card enhancements such as frequent-use awards, expedited dispute resolution, extended warranties, and automobile rental insurance. However, she agrees with Ausubel (1991), Calem and Mester (1995) that lowering interest rates may attract less creditworthy consumers, therefore dissuading some credit-card issuers from lowering their interest rates. It is very essential to know whether the study has already been conducted before .If so, how to what extent? And because of this, scholar has to go through all the existing literature relation to the study. Credit card are a new concept introduced in India by Nationalized Banks only a few year back, very limited studies have been conducted on the subject. Due to time restriction Scholar could seek advice from only the limited literature, Which is available in the library as well as on the Internet. It is the real world we have 3 ways to pay for goods: cash check And credit cards or debit cards. Cards can be smart card, debit card, ATM cards and any kind of credit cards. They all serve a special Purpose. They allow us to pay without cash. They are also all Online electronic payment media.

REAL WORLD CASH

We have now so many mediums of exchange to simplify transaction, a standard of value to make it easier to decide on the Worth of goods, and a store of value to facilitate the concept of saving. For the purpose of E-commerce, electronic money must fulfill the first function. When you carry cash, you are making on the spot payment but online payment is not very different from cash transactions in the real world, except for speed of transfer, ease of handling and the safety of not having to carry cash. Outside of the Internet, cash continues to be most widely used of the payment. 10

Its unique features are:

Convenience: - easy to use and easy to carry. Wide acceptance: - the U.S.Dollar happens to be most widely accepted paper currency in the world because of its stability and durability. Anonymity: - No identification is needed to pay in cash. No audit trial: - Lack of trace ability means you can do what you want with your cash. In countries where trust in currency, banking system, or the govt. is in question, cash is still used to buy all kind of product including homes, automobiles and other big ticket item.

CREDIT CARD BASED PAYMENT SYSTEM

ELECTRONIC

To avoid the complexity association with digital cash and electronic cheques, consumers and vendors are also looking at credit card payment on the Internet as one possible timetasted alternative. There is nothing new in the basic process. If consumer wants to purchase or services, they simply send their credit card detail to their service provider involved and the credit card organization will handle this payment like any other. We can break credit card payment on online network into 3 basic categories: Payment using plain credit card detail: - The easiest method of payment is the exchange of unencrypted credit cards over a public network such as telephone lines or the Internet. The low level of security inherent in the design of the Internet makes this method problematic (any snooper can read credit card number, and programs can be created to scan the internet traffic for credit cards number and send the number to its master). Authentication is also a significant problem. And the vendor is usually responsible to ensure that the person using the credit card is its owner. Without encryption there is no way to do this.

Payment using encrypted credit card details: - It would make sense to

encrypted your credit card details before sending them out, but even then are certain factors to considered. One would be the cost of credit card transaction itself. Such cost would prohibit low value payment by adding costs to the transaction.

Payments using 3rd party verification:- One solution to security and verification
problem is the introduction of the 3rd party. A company that collects and approves payment from one client to another. After a certain period of time, one credit card transaction for the total accumulated amount is completed. Some of the companies that are attempting to provide the infrastructure on-line credit card processing.

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MASTER BANKING
A house banking service started by MASTER CARD and check free corp., as online payment processor.

VISA INTERACTIVE
VISA International acquired US order, a screen phone manufacture. VISA Interactive has signed up more than 30 banks including national banks.

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OBJECTIVES OF THE STUDY

To study out customer awareness about the credit cards. To study out customer perception about credit cards. To evaluate marketing practices adopted by bankers about credit cards. To compare the credit schemes of different banks. To find out main obstacles while getting finance under various credit schemes. To find out the market potential of credit card in Chandigarh.

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SIGNIFICANCE OF THE STUDY The number of banks issuing credit cards and number of users of credit cards has increased at the vast speed. Present study has been conducted with following in the mind. Helpful in knowing Customers awareness and perception about credit cards. Helpful in removing hurdles in smooth service to cardholders. Helpful to banker and holder of credit card. Helpful in creating a workable system and procedure.

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INDUSTRY PROFILE BANK

A banker or bank is a financial institution that acts as a payment agent for customers and borrows and lends money. In some countries such as Germany and Japan banks are the primary owner of industrial corporations while in other countries s such as the United States banks are prohibited from owning non-financial companies. The first modern bank was founded in Italy at Genon in 1406; its name was Banco di San Giorgio (Bank of St. George). Banks act as payment agents by conducting checking o current accounts for customers paying cheques drawn by customers on the bank, and collecting cheques deposited to customers current accounts. Bank also enable customer payments via other payment methods such as telegraphic transfer, ERTPOS, and ATM. Banks borrow money by accepting funds deposited on current account, accepting term deposits and by issuing debt securities such as banknotes and bonds. Banks lend money by making advances to customers on current account, by making installment loans, and by investing in marketable debt securities and other form of lending. Banks provide almost all payment services, and a bank account is considered indispensable by most business, individuals and governments. Non- banks that provide payment services such as remittance companies are not normally considered an adequate substitute for having a bank account. Banks borrow most funds borrowed from household and non-financial businesses, and lend most funds lent to household and non-financial businesses, but non-bank lenders provide a significant and in many cases adequate substitute for bank loans, and money market funds, cash management trusts and other non-bank financial institutions in many cases provide an adequate substitute to bank for lending savings to.

Banking business
Banking business means the business of receving money on current or deposit account, paying and collecting cheques drawn by or paid in by customers, the making of advances to customers, and includes such other business as the Authority may prescribe for the purpose of this act; ( Banking Act ( Singapore), Section 2, interpretation). Banking Business means the business of either or both of the following. 16

receiving from the general public money on current, deposit, savings or other similar account repayable on demand or within less than [3 months] or with a period of call or notice of less than that period; Paying or collecting cheques drawn by or paid in by customers.

Online Banking Techniques

Since the advent of EFTPOS ( Electronic Funds Transfer at Point of Sale), direct credit, direct debit and internet banking, the cheques has lost its primacy in most banking systems as a payment instrument. This has lead legal theorists to suggest that the cheques based definition should be broadened to include financial institutions that conduct current accounts for customers and enable customers to pay and be paid by third parties, even if they do not pay and collect cheques.

SNAPSHOT OF CREDIT CARD

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Various bank of credit card for payment

MACHINE USE FOR CREDIT CARD

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Swap machine for payment through the credit card

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CREDIT CARD SERVICES PROVIDED BY VARIOUS BANK ICICI BANK

ICICI Bank is India's second-largest bank with total assets of about Rs.1, 676.59 by (US$ 38.5 bn) at March 31, 2005 and profit after tax of Rs. 20.05 bn(US$ 461 mn) for the year ended March 31, 2005 (Rs. 16.37 bn(US$ 376 mn) in fiscal 2004). ICICI Bank has a network of about 573 branches and extension counters and over 2,000 ATMs. ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialised subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management. ICICI Bank set up its international banking group in fiscal 2002 to cater to the cross border needs of clients and leverage on its domestic banking strengths to offer products internationally. ICICI Bank currently 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 Bank's equity shares are listed in India on the Bombay Stock Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE). ICICI Bank has formulated a Code of Business Conduct and Ethics for its directors and employees. At September 20, 2005, ICICI Bank, with free float market capitalization* of about Rs. 400.00 billion (US$ 9.00 billion) ranked third amongst all the companies listed on the Indian stock exchanges. ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly owned subsidiary. ICICI's shareholding in ICICI Bank was reduced to 46% through a public offering of shares in India in fiscal 1998, an equity offering in the form of ADRs listed on the NYSE in fiscal 2000, ICICI Bank's acquisition of Bank of Madura Limited in an all-stock amalgamation in fiscal 2001, and secondary market sales by ICICI to institutional investors in fiscal 2001 and fiscal 2002. ICICI was formed in 1955 at the initiative of the World Bank, the Government of India and representatives of Indian industry. The principal objective was to create a development financial institution for providing medium-term and long-term project financing to Indian businesses. In the 1990s, ICICI transformed its business from a development financial institution offering only project finance to a diversified financial services group offering a wide variety of products and services, both directly and through a number of subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the first Indian company and the first bank or financial institution from non-Japan Asia to be listed on the NYSE. 20

After consideration of various corporate structuring alternatives in the context of the emerging competitive scenario in the Indian banking industry, and the move towards universal banking, the managements of ICICI and ICICI Bank formed the view that the merger of ICICI with ICICI Bank would be the optimal strategic alternative for both entities, and would create the optimal legal structure for the ICICI group's universal banking strategy. The merger would enhance value for ICICI shareholders through the merged entity's access to low-cost deposits, greater opportunities for earning fee-based income and the ability to participate in the payments system and provide transactionbanking services. The merger would enhance value for ICICI Bank shareholders through a large capital base and scale of operations, seamless access to ICICI's strong corporate relationships built up over five decades, entry into new business segments, higher market share in various business segments, particularly fee-based services, and access to the vast talent pool of ICICI and its subsidiaries. In October 2001, the Boards of Directors of ICICI and ICICI Bank approved the merger of ICICI and two of its wholly-owned retail finance subsidiaries, ICICI Personal Financial Services Limited and ICICI Capital Services Limited, with ICICI Bank. Shareholders of ICICI and ICICI BANK approved the merger in January 2002, by the High Court of Gujarat at Ahmedabad in March 2002, and by the High Court of Judicature at Mumbai and the Reserve Bank of India in April 2002. Consequent to the merger, the ICICI group's financing and banking operations, both wholesale and retail, have been integrated in a single entity.

SOME DEPOSITS SCHEMES:

ICICI Bank offers wide variety of Deposit Products to suit your requirements. Coupled with convenience of networked branches/ ATMs and facility of E-channels like Internet and Mobile Banking, ICICI Bank brings banking at your doorstep. Select any of our deposit products and provide your details online and our representative will contact you for Account Opening.

1) SAVING ACCOUNTS
ICICI Bank offers you a power packed Savings Account with a host of convenient features and banking channels to transact through. So now you can bank at your convenience, without the stress of waiting in queues.

2) SENIOR CITIZEN SERVICES

We understand that as you reach the age to retire, you do have certain concerns whether your hard earned money is safe and secure whether your investments give you the kind of returns that you need. That's why we have an ideal Banking Service for those who are 60 years and above. The Senior Citizen Services from ICICI Bank has several advantages that are tailored to bring more convenience and enjoyment in your life. 21

3) YOUNG STARS
It's really important to help children learn the value of finances and money management at an early age. Banking is a serious business, but we make banking a pleasure and at the same time children learn how to manage their personal finances

4) FIXED DEPOSIT
Safety, Flexibility, Liquidity and Returns!!!! A combination of unbeatable features of the Fixed Deposit from ICICI Bank.

5) RECURRING DEPOSIT
When expenses are high, you may not have adequate funds to make big investments. But simply going ahead without saving for the future is not an option for you. Through ICICI Bank Recurring Deposit you can invest small amounts of money every month that ends up with a large saving on maturity. So you enjoy twin advantages- affordability and higher earnings.

SOME LOANS SCHEMES:

ICICI Bank offers wide variety of Loans Products to suit your requirements. Coupled with convenience of networked branches/ ATMs and facility of E-channels like Internet and Mobile Banking, ICICI Bank brings banking at your doorstep. Select any of our loan product and provide your details online and our representative will contact you for getting loans.

1) HOME LOANS
The No. 1 Home Loans Provider in the country, ICICI Bank Home Loans offers some unbeatable benefits to its customers - Doorstep Service, Simplified Documentation and Guidance throughout the Process. It's really easy !

2) CAR LOANS
The NO 1 financier for car loans in the country. Network of more than 1500 channel partners in over 780 locations. Tie-ups with all leading automobile manufacturers to ensure the best deals. Flexible schemes & quick processing. Hassle-free application process on the click of a mouse.

3) COMMERCIAL VEHICLE LOANS

Range of services on existing loans & extended products like funding of new vehicles, refinance on used vehicles, balance transfer on high cost loans, top up on existing loans, Extends product, working capital loans & other banking products. 22

4) FIRM EQUIPMENT LOANS

Preferred financier for almost all leading tractor manufacturers in the country. Flexible repayment options in tandem with the farmer's seasonal liquidity. Monthly, Quarterly and Half-yearly repayment patterns to choose from. Comfortable repayment tenures from 1 year to 9 years.

SOME INVESTMENTS SCHEMES

At ICICI Bank, we care about all your needs. Along with Deposit products and Loan offerings, ICICI Bank assists you to manage your finances by providing various investment options ranging from ICICI Bank Tax Saving Bonds to Equity Investments through Initial Public Offers and Investment in Pure Gold. ICICI Bank facilitates following investment products: ICICI Bank Tax Saving Bonds Government of India Bonds Investment in Mutual Funds Initial Public Offers by Corporate Investment in "Pure Gold" Foreign Exchange Services Senior Citizens Savings Scheme, 2004 You can invest in above products through any of our branches. For select products ICICI Bank also provides the ease of investing through electronic channels like ATMs and Internet (ICICIdirect.com) ICICI Bank offers a varied range of cards to suit your requirements. These cards having a wide acceptance, nationally and internationally, coupled with benefits of channels like Internet and Mobile will enhance your experience. In ICICI, the following cards are issuing to its customer.

1) CREDIT CARDS
ICICI Bank Credit Cards give you the facility of cash, convenience and a range of benefits, anywhere in the world. These benefits range from life time free cards, Insurance benefits, global emergency assistance service, discounts, utility payments, travel discounts and much more.

2) DEBIT CARDS
The ICICI Bank Debit Card is a revolutionary form of cash that allows customers to access their bank account around the clock, around the world. The ICICI Bank Debit Card can be used for shopping at more than 100,000 merchants in India and 13 million merchants worldwide. 23

3) TRAVEL CARDS
Presenting ICICI Bank Travel Card. The Hassle Free way to travel the world. Traveling with us dollar, Euro, Pound Sterling or Swiss Francs; Looking for security and Convenience; take ICICI Bank Travel card. Issued in duplicate. Offers the pin based security .Has the Convenience of usage of credit or debit card.

ICICIS SUBSIDIARIES:
ICICI Securities and Finance Company ltd. ICICI Brokerage Securities ltd. ICICI Prudential. ICICI Infotech Securities ltd. ICICI Personal Finance Services ltd. ICICI Capital Services Ltd. ICICI Venture Funds Management Company ltd. ICICI International ltd. ICICI Lombard.

Premium Cards
ICICI Bank Signature Credit card ICICI Bank Platinum Credit Card ICICI Bank Platinum Premiere Credit Card ICICI Bank- Titanium Credit Card ICICI Bank Thomas Cook Titanium Credit Card Icici Bank Solid Gold Credit Card Icici bank American Express Gold Card Card ICICI Bank Gold Card

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Premium Cards : Features at a Glance

ICICI Bank Signature credit Card

Features : A powerful rewards program : 5 points on every international spend of Rs. 100 points on every travel-related spend of Rs. 100 and 2 point on every hotel- and dining related spend of Rs. 100 Air- accident insurance of Rs. 3 crore. Special travel-related experiential offers from flying a fighter jet to watching the Emperor Penguins in Antarctica. Exclusive welcome privilege ( after the payment of joining fee b-A travel voucher of Rs. 35000 OR C-, 35000 reward points. Priority access to the worlds exclusive airport lounges. To know more about priority pass facility, and for lounge locater, Fuel-surcharge waiver across all petrol pumps. I-Assist, 24*7 personal concierge services, offering a host of benefits. To view the services provided A special customer service desk. A special customer service desk.

ICICI Bank Platinum Credit Card

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Features: Priority access to the worlds exclusive airport lounges. To know more about Priority Pass Facility, please click here and for lounge locator , please click here. Fuel surcharge waiver across all petrol pumps. Fuel purchase transactions on the card will not earn reward points from December 15, 2007. An exclusive Rewards Program and one of a kind redemption offer. High credit limit and cash limit. APR of 2.75% monthly w.e.f. march ist 2008 Air-accident insurance of up to Rs. 1 crore. I-Assist, 24*7 personal concierge services, offering a host of benefits. To view the services provided, please, click here A specialized customer service desk. The ICICI Bank Platinum Credit Card is currently offered only by invitation.

Most powerful Global Card

Benefits : Welcomed internationally at over 22 million merchant establishments. High credit limit and cash limits. Dial-a-Draft at 2.5% of the draft amount subject to a minimum of Rs. 300. Lifetime Balance Transfer offer : 0.72% for first 6 month ( 9% p.a.) followed by 1.49% p.m. ( 17.88%p.a) thereafter. Most powerful catalogue-based Rewards Program. Mobile alerts and statement by e-mail

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ICICI Bank Travel Smart Gold Credit Card

Most Power Travel Card : A Card that gives the best deal on air travel and holiday
package, 24*7. 10% of cash back on basic fare on any domestic and international airline ticket booked through Makemytrip.com. the cash back is only in case of INR transaction. To booktickets please call 1-800-102-8747 (From BSNL and MTNL phones) 1-108-102 8747 ( Airtel Subscribers ) or log on to Makemytrip.com 24*7 Personal Travel Desk for assistance in booking flights, hotels, holiday packages. Guaranteed 5% cash back on holiday packages booked through Makemytrip.com. All the benefits of the ICICI Bank Solid Gold Card. Fuel- surcharge waiver across all petrol pumps from December 15, 2007. Fuel purchase transaction on the card will not earn reward points from December 15, 2007. I-Assist, 24*7 personal concierge services, offering a host of benefits. To view the services provided, place click here. Air accident insurance of upto Rs. 50 lac.

HDFC Bank
HDFC Bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its registered office in Mumbai, India. The Bank commenced operations as a Scheduled Commercial Bank in January 1995.

The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an in principle approval from the Reserve Bank of India ( RBI) to set up a bank in the private sector, as the part of the RSBIs liberalization of the Indian Banking industry in 1994. the bank was incorporated in Augest 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. HDFC Bank Commenced operations as a Scheduled Commercial Bank in January 1995.
HDFC Bank, has a network of over 531 branches spread over 228 cities across India. All branches are linked on an online real-time basis. Customers in over 120 locations are serviced

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through Telephone Banking. The Bank also has a network of about over 1054 networked ATMs across these cities. HDFC Bank's ATM network can be accessed by all domestic and international Visa / MasterCard, Visa Electron / Maestro, Plus / Cirrus and American Express Credit / Charge cardholders. HDFC Bank has won many awards for its excellent service. Major among them are "Best Bank in India" by Hong Kong-based Finance Asia magazine in 2005 and "Company of the Year" Award for Corporate Excellence 2004-05.

Cards
Our range of Cards help you meet your financial objectives. So whether you are looking to add to your buying power, conducting cashless shopping, or budgeting your expenditure, you will find a credit card that sutis you.

Credit cards
Besides arming you with unmatched spending power, Our credit cards are designed to meet your unique nees. Choose one thats tailored for you. The best credit cards are available herem including even the online credit cards service Netsafe. Classic cards Silver Credit Card Premium Cards Gold Credit Card Titanium Credit Card Womans Gold Card Platinum Plus Credit Card Visa Signature Credit Card Special Benefit Cards Value Plus Credit Card Health Plus Credit Card Commercial Cards Corporate Credit Card Business Credit Card

AXIS BANK
The erstwhile UTI Bank has changed its name to Axis Bank effective July 30, 2007. This is the first time that a bank has gone in for a brand-change voluntarily; earlier names of banks have been changed either due to a merger or an acquisition. Axis Bank India, the first bank to begin operations as new private banks to be established. Axis Bank was jointly promoted by the Administrator of the specified undertaking of the Unit Trust of India (UTI-I), Life Insurance Corporation of India (LIC) and General Insurance Corporation Ltd. Also with associates viz. National Insurance Company Ltd., The New India Assurance Company, The Oriental Insurance Corporation and United Insurance Company Ltd.

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Axis Bank in India today is capitalized with Rs. 282.65 Crores with 57.05% public holding other than promoters. It has more than 574 branch offices and Extension Counters in the country with over 2428 Axis Bank ATM proving to be one of the largest ATM networks in the country. It commits to adopt the best industry practices internationally to achieve excellence. It has strengths in retail as well as corporate banking. By the end of June 2007, Axis Bank in India had over 60 lakhs debit cards. This is the first bank in India to offer the AT PAR Cheque facility, without any charges, to all its Savings Bank customers in all the places across the country where it has presence. The bank has also raised its reach to 341 cities, towns and villages. The bank has the outstanding deposit base of more than Rs. 61,000 crores with over 65 lakh accounts.

STATE BANK OF INDIA

State Bank of India is India's largest bank amongst all public and private sector banks operating in India. State Bank of India owns and operates the following subsidiaries and Joint VenturesState Bank of India Credit Card State Bank of India Online State Bank of India USA State Bank Of India Services State Bank of India Mutual Funds State Bank of India Branch State Bank of India NRI Account

ACTIVITIES
State Bank of India administrative structure is well equipped to oversee the large network of branches in India and abroad. The State Bank of India 14 Local Head Offices and 57 Zonal Offices are located at important cities spread throughout the country. State Bank of India has 52 foreign offices in 34 countries across the globe. The Corporate Accounts Group is a Strategic Business Unit of the Bank set up exclusively to fulfill the specialized banking needs of top corporate in the country.

STATE BANK OF INDIA OFFERS THE FOLLOWING SERVICE TO ITS CUSTOMER

Domestic Treasury. SBI Vishwa Yatra Foreign Travel Card. Broking Services. Revised Service Charge. ATM Services. Internet Banking. 29

E-Pay. E-Rail. RBIEFT. Safe Deposit Lockers. Gift Cheques. MICR Codes. Foreign Inward Remittances.

SBI Credit Card

SBI Credit Card or State Bank of India Credit Card offers you exclusive deals and convenience of cashless shopping with complete online payments and balance transfer solutions and all this come with redeemable reward points system. The benefits and features of State Bank of India credit cards do not end here. The available SBI Credit Cards are: SBI Silver, Gold & Platinum Card and SBI partnership cards that include Go Air, Hero Honda, LG, SBI Advantage Card, SBI Card For Doctors, Employee Card, Lifestyle Card, Railway Card, Vishal Mega Mart Card, Social Card, UBI Cards, SpiceJet SBI Card. The exclusive offers on the above State Bank of India Credit Cards are free insurance covers, low interest on balance transfers, easy bill payments solutions, 0% surcharge across all petrol pumps, flexible payment solutions, special discount offers, Teledraft facility, special reward points system and many more The SBI credit cards online services include online account operations that include online balance transfer, checking account status, generating e-statement, 24-hour customer service, and SBI credit card login online to get details of your past transactions. These are just some of the benefits you derive from your State Bank of India credit card. You get cashless shopping facility and reward points for every purchase you make. On accumulating a substantial amount of reward points, you can redeem the points for cash or gifts benefits. You can dial up the All India Toll Free Number for SBI Customer Care Service to enquire about the ongoing interest rates, and details of the process of how to apply for SBI credit card online. State Bank provides various payment channels for the credit cards bill payments.

SpiceJet SBI Card

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Flexipay Easy bill pay SBI Card PayNet SBI Card PayCash

SBI Employee Card

Free Card For Life Cash on the go Flexi pay Telerate Facility Credit facility Book your railway tickets online SBI Card Alerts

SBI Gold & More Card

Cash Back in Departmental Stores & Groceries Cash Back in Restaurants Cash Back on Utility Bill Payment Cash on the go Enjoy a world of convenience Flexipay Teledraft Facility(Easy Money Draft) Credit facility Book your railway tickets online

SBI Silver & More Card

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Cash Back in Departmental Stores & Groceries Cash Back in Restaurants Cash Back on Utility Bill Payment Cash on the go Enjoy a world of convenience Flexipay Teledraft Facility(Easy Money Draft) Book your railway tickets online Enhanced power to your family

SBI Platinum Card

Global Concierge Services Personal Concierge Services Movie Tickets Auto Assistance Service Travel Related Assistance Services International Markup Waiver Travel Insurance Platinum Club Offers Exclusive Lifestyle Privilages Power Points Flexipay Installment Plan Online Railway Tickets booking Credit Facility Cash Access across the World

SBI GoAir Card

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Cash on the go Flexipay Teledraft Facility(Easy Money Draft) Book your railway tickets online SBI Card Alerts

PUNJAB NATIONAL BANK

Punjab National Bank with 4497 offices and the largest nationalized bank is serving its 3.5 crore customers with the following wide variety of banking services: Corporate banking Personal banking Industrial finance Agricultural finance Financing of trade International banking Punjab National Bank has been ranked 38th amongst top 500 companies by The Economic Times. PNB has earned 9th position among top 50 trusted brands in India. Punjab National Bank India maintains relationship with more than 200 leading international banks world wide. PNB India has Rupee Drawing Arrangements with 15 exchange companies in UAE and 1 in Singapore.

PNB Online
Punjab National Bank of India is also a member of SWIFT and more than 150 PNB Branches are connected with terminals in Mumbai. It promotes "Any Time, Any Where Banking". PNB offers Internet Banking services for both to the Corporate and Individuals. It provides 24 hours, 365 days banking from the PC of the user. A user can operate anytime and from anywhere its accounts. The following are some of the services available online: Access to account Complete details of transactions and statement of account Online information of deposits, loans overdraft account etc. Online Payment Facility for railway reservation through IRCTC Payment Gateway Project Online Utility Bill Payment Services which allows Internet Banking account holders to pay their telephone, mobile, electricity, insurance and other bills anytime from anywhere from their desktop. Punjab National Bank Card user can buy goods and enable services from 45,000 merchant outlet in India and can withdraw cash from over 4500 ATMs with its own 450 33

ATMs. Punjab National Bank Branches Punjab National Bank has its Branches in all the 7 metropolitan and cosmopolitan cities in India namely New Delhi, Mumbai, Calcutta, Chennai, Bangalore, Hyderabad and Ahmedabad. It even has its branches in small town in both urban as well as rural areas. PNB is always focusing on expanding abroad and till date has identified some emerging economies abroad. They are in few of these places. Almaty Kazakhktan Shanghai China London Kabul Afghanistan Punjab National Bank Housing Loan Any individual can avail Punjab National Bank Housing Loan for any of the following purpose: For construction of house. For purchase of house/ flat. For purchase of house/ flat from the original allottee, i.e. on First Power of Attorney basis. For carrying out repairs/ renovation/ additions/ alterations in the existing house. Approximately 80% of the cost of project is sanctioned by PNB Housing Finance, subject to a maximum of Rs. 50 lac. In case of carrying out repairs/ renovation/ additions/ alterations in the existing house, the ceiling is Rs. 5 lac. The loan is available for a period of 5 years to 20 years or before the borrowers attain the age of 65. Interest of Punjab National Bank Home Loan is charged on reducing balance and the amount to be sanctioned depends upon the repaying capability of the borrower. The following securities are required by the cell of PNB Housing Loan: Mortgage of property for which finance is being given. In case of purchase of house flat from housing board/ society where mortgage cannot be created immediately, a tripartite agreement shall be executed amongst the housing board/society, borrower and the Bank. In case of purchase of house/ flat on first power of attorney, additional security by way of mortgage of some other property or pledge of Bank's Fixed Deposit Receipt/ LIC policy/ Govt. securities has to be provided. Suitable third party guarantee acceptable to the Bank which may include guarantee from family members/ other relatives.

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PNBMutualFund
PNB Mutual Fund services are distributed under the scheme of Principal PNB Asset Management Company from its assigned branches. The varieties of Punjab National Bank Mutual Fund are as under: Principal Growth Scheme Principal balanced Fund Principal Income Fund Principal Income Fund - Short Term Debt Principal Cash management Fund Principal Index Fund Principal government Securities Fund

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36

RESEARCH METHODOLOGY
Research is a voyage from known to known. Research Methodology means the procedure for conducting a systematic and planned approach to carry out research project for the purpose of achieving the objectives. A useful research methodology must be exhaustive, comprehensive, in time and free from bias or uncertainty. The researcher is therefore compelled to follow certain scientific rules or steps and stipulation ids designing, planning and executing the research. The content of research methodology are stated below:

RESEARCH DESIGN:
This research is exploratory-cum-descriptive in nature. In descriptive research, researcher has sufficient data on the concept and research material. The design of research is exploratory also termed, as formulative research. The major emphasis was a discovery of ideas and insights.

PURPOSE OF STUDY:
The research study is based on Exploratory. An attempt has been made by us to know the thinking of the customer and factor affect to the problem. For instances, what is the Customer Awareness and Perception about Credit Card in Chandigarh

SAMPLE SIZE AND TECNIQUES:

The sample size is 50 credit card holders on the basis of convenience sampling.

ANALYSIS PATTERN:
The analysis of the data is done through statically analysis and interpretation.

DATA COLLECTION:
To get required information data collected is primary and secondary. PRIMARY DATA: The primary data is collected through survey method. By the instruments structured questionnaire. SECONDARY DATA: Secondary data is collected through websites, journals, and magazines.

NATURE OF ANALYSIS:
The nature of our research analysis of quantitative type using simple statistical method. 37

38

DATA ANALYSIS AND INTERPRETATION

1.)Age of the respondent.
Age 20- 30 30- 40 40- 50 Above 50 50 45 40 35 30 25 20 15 10 5 0 Frequency Percentage% Frequency 24 21 3 2 Percentage% 48 42 6 4

20- 30 30- 40 40- 50 Above 50

There are 48% respondents who are in the age group of 20 to 30 followed by age group of 30 to 40 (42%), 40 to 50 (6%), and above 50 (4%).

2.) Education qualification of the respondent

39

Qualification Illiterate Upto 12th Under Graduation Graduation Post Graduation

Frequency 1 3 13 15 18

Percentage% 2 6 26 30 36

40 35 30 25 20 15 10 5 0 Frequency Percentage%

Illiterate Upto 12th Under Graduation Graduation Post Graduation

There are 6% respondents who have upto 12th level followed by Under Graduation (26%), graduates (30%), post graduates (36%), and illiterate (2%).

3.) Occupation of the respondent

40

Occupation Student Serviceman Businessman Professional Any other

Frequency 13 17 9 10 1

Percentage% 26 34 18 20 2

35 30 25 20 15 10 5 0 Frequency Percentage% Student Serviceman Businessman Professional Any other

There are 26% respondents who are in students followed by businessmen (18%), Professional (20%), servicemen (34%), and others (2%).

4.) Monthly income of the respondent

Income

Frequency
41

Percentage%

20000< 20000- 40000 40000-60000 >60000

6 14 17 13

12 28 34 26

35 30 25 20 15 10 5 0 Frequency Percentage% 20000< 20000- 40000 40000-60000 >60000

There are 12% respondents who are in the income group of less than Rs. 20000 followed by income group of Rs.20000-40000 (28%), income group of Rs.40000-60000 (34%), income group of Greater than Rs. 100000(26%).

5.) Are you aware of credit card?

Awareness Yes

Frequency 48
42

Percentage% 96

No

100 80 60 Yes 40 20 0 Frequency Percentage% No

There are 48 (equal to 96%) respondent aware about credit card and only 2 (4%) respondent not aware about credit card.

6.) Since when you are availing this facility.

Year

Frequency
43

Percentage%

No Disclosed Upto 2year Upto 4 year Upto 6 year Above 6 year

4 27 8 4 7

8 54 16 8 14

60 50 40 30 20 10 0 Frequency Percentage% No Disclosed Upto 2year Upto 4 year Upto 6 year Above 6 year

4 (equal to 8%) respondents have not disclosed the period while 54% are availing the credit card facility for the last 2 years and less, 16% above 2 years to 4 years, (8%) for above 4 to 6 years and (14%) for more than six years. RESULT: Majority of credit cards holders have started availing this facility for the last 2 years. 7.) What bank do you prefer for credit card?

Bank

Frequency
44

Percentage%

AXIS ICICI PNB SBI HDFC Any other

2 25 3 4 6 10

4 50 6 8 12 20

50 45 40 35 30 25 20 15 10 5 0

AXIS ICICI PNB SBI HDFC Any other Frequency Percentage%

25 (equal to 50%) respondents prefer the credit card of ICICI bank, 2( 4%) AXIS bank, 3(equal to 6%) PNB bank, 4(8%) SBI bank, 6(12%) HDFC bank and 10(20%) respondents prefer any other bank. RESULT: Majority of credit cards holders prefer the ICICI bank for the credit card. 8.) Are you satisfied with the service being provided to you by the bank?

Yes

Frequency 46
45

Percentage% 92

No

100 90 80 70 60 50 40 30 20 10 0 Frequency Percentage%

Yes No

In this question 46 respondents are satisfied with the service provided by this bank while 4 of the respondents are unsatisfied by the services. RESULT: Greater number of credit cards holders is satisfied.

9.) Do you feel that this facility of credit card is really beneficial for you

Yes

Frequency 44
46

Percentage% 88

No

12

90 80 70 60 50 40 30 20 10 0 Yes No

Frequency

Percentage%

In this question 44 of the respondents have responded that this facility is really beneficial while 6 of the respondents are unsatisfied with this facility. RESULT: Majority has responded that the credit cards are really beneficial.

10.) Do you feel that the pin number, which is given with along with credit card, ensures security of your account?

Satisfied

Frequency 43
47

Percentage% 86

Unsatisfied Not commented

90 80 70 60 50 40 30 20 10 0 Frequency

5 2

10 4

Satisfied unsatisfied Not commented

In this question 43 of the respondents have satisfied with the security of pin number while 5 are unsatisfied and 2 of the respondents are not even commented. RESULT: Majority of the credit card holders is satisfied.

11.) Is the bank providing insurance on the credit card?

Yes No

Frequency 38 2
48

Percentage% 76 4

Not commented

10

20

80 70 60 50 40 30 20 10 0 Frequency Percentage% Yes No Not commented

In this question 38 of respondents are stated that insurance is provided by bank, while 2 have replied in negative and 10 have not commented upon. RESULT: Majority of the credit card holders has replied in positive.

12.) For what purpose do you use these cards?

Uses Travelling Shopping

Frequency 3 28
49

Percentage% 6 56

Air ticketing Withdrawing Trading Above all

1 11 1 6

2 22 2 12

60 50 40 30 20 10 0 Frequency Percentage% Traveling Shopping Air ticketing Withdrawing Trading Above all

In this question 28 (equal to 56%) respondents use the credit card for the purpose of Shopping, 3(6%) travelling, 1( 2%) air ticketing, 11(22%) withdrawing, 1(2%)trading and, 6(12%) respondents use the credit card for all the above purpose. RESULT: Majority of the credit card holders use the credit card for the purpose of shopping. 13.) What facilities attract you more for using/having the credit cards?

Attracting facilities 24*7 Facilities Easy handling

Frequency 13 20
50

Percentage% 26 40

Security for signature Instantly statement Time saving Any other

1 6 12 1

2 12 24 2

40 35 30 25 20 15 10 5 0 Frequency Percentage%

24*7 Facilities Easy handling Security for signature Instantly statement Time saving Any other

14.) Are you satisfied the facilities provided by your credit cards bank?

Satisfaction level High Moderate Low

Frequency 16 31 3
51

Percentage% 32 62 6

70 60 50 40 30 20 10 0 frequency Percentage% High Moderate Low

15.) Source of information of using / owing the credit cards?

Source Advertisement Friends Family member Banking agent Any others

Frequency 11 9 11 18 1

Percentage% 22 18 22 36 2

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40 35 30 25 20 15 10 5 0 Frequency Percentage% Advertisement Friends Family member Banking agent Any others

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SUGGESTION & RECOMMENDATION

1) Charges on credit card should be reduced. 2) One supplement card should be issue free. 3) Credit card facility should be made available in all branches of the bank. 4) Final decision for the credit card should be in the hand of HDFC authorized people. 5) More ATM should be setup at business center, valuable points. 6) Net working is required at initial stages. 7) Arrangement for education about credit card, timely updating and proper guidance to customer should be made

54

FINDINGS OF THE STUDY

After the thorough research programme, some findings are there which I found and these are: 1) 50% of the credit card holders say that they availed this facility since 2 years back. 2) 92% are satisfied with the services of the bank, 94% are satisfied with the timings and 88% are satisfied with dealings of the employees of the bank. 3) 54% say that they dont require any updates and guidance and 35% wanted guidance and updating about general changes of the schemes. 4) 86% showed satisfaction over pin number about security of their accounts. 5) 76% say that insurance cover is available free with credit cards. 6) 62% say that they enjoy deposit and withdrawal facility on credit card. 7) 50% of credit card holders say that supplementary credit card for their family members.

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QUESTIONNAIRE
CUSTOMER AWARENESS AND PERCEPTION ABOUT CREDIT CARD

1.) Name of the Respondent ___________________________________. 2.) Age ( ) 20 to 30 ( ) 40 to 50

( ) 30 to 40 ( ) Above 50

3.) Education qualification ( ) Illiterate ( ) under graduate ( ) post graduate 4.) Occupation ( ) student ( ) service man ( ) Any other

( ) up to 12th std ( ) graduate

( ) Businessman ( ) Professional

5.) Are you aware of credit card? ( ) yes ( ) No 6.)Since when you are availing this facility ___________________.

7.) What bank do you prefer for credit card? ( ) AXIS ( ) ICICI ( ) PNB ( ) SBI ( ) HDFC ( ) Any other 8.) Are you satisfied with the service being provided to you by the bank. ( ) Yes ( ) No 9.) Do you feel that this facility of credit card is really beneficial? ( ) Yes ( ) No 10.) Do you feel that the pin number, which is given along with credit card, insured security of your account? 56

( ) Yes

( ) No

11.) Is the bank providing insurance on credit card? ( ) Yes ( ) No 12.) For what purpose do you use these cards? ( ) Traveling ( ) Shopping ( ) Air ticketing ( ) Withdrawing ( ) Trading ( ) Above all 13.) What facilities attract you more for using/having the credit cards? ( ) 24*7 hours facilities ( ) Easy handling ( ) Security for signature ( ) instantly getting statement of A/c ( ) Time saving (no queue) ( ) any other 14.) Usage of credit cards stimulates you for? ( ) Technology ( ) impulses purchase ( ) Ease for financial Transaction 15.) What do you think mode of payment is affected by? ( ) Availability of machines ( ) Unauthorized use ( ) Interchange use ( ) any other (specify) 16.) Are you satisfied the facilities provided by your credit cards bank? ( ) Yes ( ) Moderate ( ) Low 17.) Source of information of using / owing the credit cards? ( ) Advertisement ( ) Friends ( ) Family member ( ) Banking Agent ( ) Any other (specify) 18.) Suggest any improvement that you want in your bank based payment system? ______________________________________________________________________ ______________________________________________________________________ . Thanks for giving your valuable time.

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BIBLIOGRAPHY
BOOKS
Kothari, C.R., Research Methodology, Vishaka Prakashan, New Delhi, 1990. Avadhani V.A., Marketing and financial services, Himalayas publishing house pvt. Ltd., 2002. Beri, G.C., Marketing Research, Tata McGraw Hill, New Delhi, Millennium Edition. Awad, M.Elias, Electronic Commerce, Prentice Hall of India pvt.ltd, New Delhi, 2002.

MAGAZINES AND NEWSPAPER

Economics Times. Times of India. Hindustan Times.

WEBSITES
WWW.GOOGLE.COM WWW.ICICI.COM. WWW.HDFC.COM WWW.PNB.COM WWW.AXIXBANK.COM

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