CREDIT CARD

Presented By
1. Smriti
2. Sana
3. Aradhya
4. Om

Thank you
The different categories of credit cards are
Categories
Fuel Credit Cards and Feature of
Credit Card
Contactless Credit Cards
Credit cards for Women
Travel Credit Cards
◦ Cashback Credit Cards
 Features of Fuel Credit Card

◦ No minimum transaction required but the maximum cashback is capped

at Rs. 150 per month. 5% cashback on fuel purchases.
◦ with fuel credit cards, you can drive your own vehicle and reduce the
cost with fuel surcharge waiver and free fuel offers, giving you the much-
needed savings to stay afloat in an inflationary world where every penny
counts.
◦ In ICICI HpcL card :- 2.5% cashback on fuel purchases at HPCL fuel
pumps will be applicable on minimum transaction value of ₹500.
• 1)Speed
• 2)Safety
• 3)Reduce Contact with
Public Surface Features Of
• 4)Less Wear And Tear Contactless
• 5)Better For Overseas
Credit Card
Travel
Features of Women credit card

◦ HDFC Solitaire Credit Card :- On this woman credit card You can avail a wellness package
from Thyrocare as the welcome benefit in the first year. As a renewal benefit, you can avail 1,000
rewards points from the 2nd year onwards. For every Rs.150 spent using the HDFC Solitaire credit
card, you can earn 3 rewards point. Under the feature called Accelerated Rewards Points, you can
avail additional 50% rewards points on all your dining spends and grocery expenses. As shopping
benefit, enjoy a voucher worth Rs.1,000 from SS (Shoppersshop)
◦ Standard Chartered Landmark Rewards Platinum Credit Car :-. On this Woman Credit Card
The Standard Chartered Landmark Rewards Platinum credit card offers 9X reward points at all
the Landmark affiliated shops like Home Centre, Max and Lifestyle. Along with that, you can also
avail 5% cashback at the time of sale previews at Home Centre and Lifestyle. Cashback of 5% can
be availed at SPAR. You can enjoy coupons worth Rs.2,800 with the Standard Chartered
Landmark Rewards Platinum credit card.
◦ Citibank Rewards Credit CarD :- On this woman Credit card The
Citibank Rewards credit card allows you to earn 10X reward points at
different department stores and apparel shops. At select partner outlets,
you can earn unlimited reward points when you use this card. You can
earn 1 point for spending Rs.125 on this credit card.
◦ Women love shopping and there are credit cards that are designed to
specifically cater to such needs. Some women love to travel, and for them,
banks offer credit cards tailored to meet travel requirements.
 Features of Travel Credit Card
◦ Easy currency conversion
◦ Instant Card issuance
◦ Load limit
◦ Transaction alerts
◦ Lost Card Replacement
◦ 24*7 Customer Care
◦ Access to Self Care Portal:
Features of Cashback Credit Card
4 reward points on every Rs. 150 spent on online shopping.
Spend Rs. 50,000 in a quarter and get e-voucher worth Rs. 500.
Free accidental death insurance up to Rs. 50 lakh.
Zero liability on lost card.
1. 1% fuel surcharge waiver on fuel transactions of value Rs.
400.
FACTORS THAT LEAD TO
DEFAULTING
Default reason

If you miss the minimum payment six

months in a row, your credit card will be
in default. Your credit card issuer will
likely close your account and report the
default to the credit bureaus
Different factors are used to quantify credit risk, and three
are considered to have the strongest relationship:
probability of default, loss given default, and exposure at
default.
Probability of default measures the likelihood that a
borrower will be unable to make payments in a timely
manner.
Loss given default looks at the size of the loans, any
collateral used for the loan, and the legal ability to pursue
the defaulted funds if the borrower goes bankrupt.
◦ Exposure at default looks at the total risk of default a
lender faces at any given time.
Default
Probability of Default
◦ The probability of default, sometimes
abbreviated as POD or PD, expresses
the likelihood the borrower will not
maintain the financial capability to
make scheduled debt payments. For
individual borrowers, default
probability is most represented as a
combination of two factors: debt-to-
income ratio and credit score.
Loss Given Default
◦ Imagine two borrowers with identical
credit scores and identical debt-to-
income ratios. The first borrower takes
a $5,000 loan, and the second borrows
$500,000. Even if the second individual
has 100 times the income of the first,
their loan represents a greater risk.
Users become credit card
defaulters when they fail to
pay their credit card bills
within the due time period for
a long time. It is important to
note that credit cardholders
must also pay the minimum
amount du
 CREDIT RISK
MANAGEMENT
TECHNIQUES
Techniques
Risk based Pricing
◦ Risk-based pricing in the credit market refers to the offering of different
interest rates and loan terms to different consumers based on their
creditworthiness. Risk-based pricing looks at factors associated with the
ability of the borrower to pay back the loan, namely a consumer’s credit
score, adverse credit history (if any), employment status, income, dent
level, assets, collateral, the presence of a co-signer, and so on.
Covenant
Covenants exist in financial contracts, such as bond issues, that
set out certain activities that will or will not be carried out.
Covenants are legally binding clauses, and if breached will
trigger compensatory or other legal action.
1. Covenants that allow certain activities are called affirmative,
while those that restrict are classified as negative covenants.
 MiS
◦ MIS Reports are reports required by the Decision makers need information to make
management to assess the performance of effective decisions. Management Information
the organization and allow for faster Systems (MIS) make this possible.
decision-making. A Management ◦ MIS systems facilitate communication
Information System, often simply referred to
within and outside the organization –
as MIS, can be understood by looking at
employees within the organization are able
each of the words that make up the name.
to easily access the required information for
There is the management, the information,
the day to day operations
and the system. At the heart of it, such a
system is one that will provide important
information to the management of the
company.
Credit exposure is a measurement of the maximum
potential loss to a lender if the borrower defaults on
payment. It is a calculated risk to doing business as a Limited sector
bank. Exposure

◦ For example, if a bank has made a number of short-term

and long-term loans totaling $100 million to a company,
its credit exposure to that business is $100 million
 ADVANTAGES OF
ICICI BANK CREDIT
CARD
Benefits of
ICICI Credit
Card
Benefits of ICICI Bank Credit Card
◦ Reward Program:
◦ Exciting Options to Redeem Rewards:
◦ Dining Discounts:
◦ Fuel Surcharge Waiver
Reward Program
◦Our reward programs, Hand-picked Rewards, ICICI Bank
Rewards and PAYBACK are amongst the best in the country.
PAYBACK, a coalition reward program lets you pool loyalty
benefits from many attractive Partners.
◦The reward catalogues for the different programs have been
expanded. Real-time redemption options such as in-store and
online redemption at PAYBACK Partner Brands have been
introduced, making it easier for you to redeem your reward points.
Exciting Options To Redeem Award
◦ Your ICICI Bank Credit Card entitles you to earn PAYBACK Points on your
transactions. PAYBACK, India’s largest Reward Programme, has powered ICICI Bank
Rewards to bring you a suite of exciting rewards from your everyday spending.
◦ You not only earn PAYBACK Points when you use your ICICI Bank Credit Card, but
also earn additional points from PAYBACK Partner Bran.ds for the same purchase.
◦ ICICI Bank Platinum Chip credit card
◦
◦ 2 Payback points on ₹100 spent on retail purchases except for fuel
◦ 1 Payback points on ₹100 spent on utilities and insurance
 Dinning Discounts
◦ Get an instant discount of Rs 100. Use your ICICI Bank Credit and Debit Card.
◦ Get 25% off on orders above Rs 1,500 Pay using ICICI Bank Credit and Debit Card
◦ Get 10% instant discount at EazyDiner Offer Pay using ICICI Bank Credit or Debit
Card
◦ Get flat Rs 100 off on select restaurants & Zomato credits worth Rs 100 on other
restaurants, on a minimum order value of Rs 599.
Dinning
benefits of
ICICI credit
card
Zomato,Swiggy linked
Fuel Surcharge Waiver
◦ It is nothing, but the transaction charge levied for using the credit card for
fuel transaction. For example, if you have made a fuel purchase for Rs.
1000, you will end up paying about Rs. 28 additionally, out of which Rs. 25
is a surcharge and the rest are for the service tax.
◦ ICICI Bank HPCL Coral Credit Card help you keep fuel costs under
check with cashback and savings on fuel surcharge
◦
◦ 1% Fuel Surcharge waiver along with 2.5% cashback on total fuel
purchase (capped at Rs.100 per month)