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TABLE OF CONTENTS

CHAPTER 1: INTRODUCTION
Meaning....2
Definition.2
Objective of the study3
Limitations.3

CHAPTER 2: THE HISTORY OF CREDIT CARDS AND


DEBIT CARDS IN PLASTIC MONEY
Credit Card Origins....5
Bank Card Associations....5
Plastic Becomes the Standard.......5
The Future....6

CHAPTER 3: RESEARCH AND METHODOLOGY...7


CHAPTER 4: TYPES OF PLASTIC MONEY
Credit card..11
Debit card......11
Charge card.....12
Amex card.....12
Dinner club card.....13
Global card....13
Co-branded card.....14
Master card & Visa......14
Smart card...15
Photo card....15

CHAPTER 5: CREDIT CARD


CREDIT CARD INTRODUCTION17
DEFINITION.17
MEANING.......18
ADVANTAGES OF CREDIT CARD....19
(A) BENEFITS TO THE BANK......19
(B) BENEFITS TO CARD HOLDER..20
(C) BENEFITS TO THE MERCHANT ESTABLISHMENT......20
DISADVANTAGES OF CREDIT CARD.....21
MARKETING STRATEGIES...21
STEPS FOLOWED IN CREDIT CARD TRANSACTION
1.AUTHORIZATION..24
2. MERCHANT BALANCING...24
3. CAPTURE....24
4. CLEARING .....24
5. INTERCHANGE (VS/MC ONLY)...25

6. Settlement.....25
7. Merchant ACH.25
Different Types of Credit Cards.....25
Low Interest Credit Cards....25
Instant Approval Credit Cards...26
Balance Transfer Cards..................................................26
Rewards Credit Cards.....26
Cash Back Credit Cards..27
Airline Credit Cards...27
Prepaid Debit Cards....28
Secured Credit Cards..28
Credit Cards for Bad Credit28
Student Credit Cards...28
Business Credit Cards...29

Types of Credit Cards offered by Indian Banks


Silver Cards....29
Gold and Platinum Cards...30
Credit Card Data..31

CHAPTER 6: DEBIT CARD


DEBIT CARD.33
Types of debit card systems....33
Online Debit System...33
Offline Debit System.....34
Electronic Purse Card Syste.34
Prepaid Debit Card..34
BENEFITS OF DEBIT CARDS......35
FEATURES OF DEBIT CARD...36

CHAPTER 7: Advantages & Disadvantage of plastic money


ADVANTAGES.40
DISADVANTAGES....41

CHAPTER 8: TECHNOLOGY &INFRASTRUCTURE.43


CHAPTER 9: FINDINGS, SUGGESTION & CONCLUSION...45
BIBLIOGRAPHY...48

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