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International Journal of Science, Strategic Management and Technology

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A STUDY ON CREDIT CARD ADVANTAGES AND DISADVANTAGES WITH REFERENCE TO AXIS BANK AND SBI BANK CREDIT CARDS

AUTHORS:
DHARAVATH GOPAL NAIK
Mentor
D THARANGINI
Affiliation
Dept of MBA,

Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad – 501 401
DOI: 10.55041/ijsmt.v2i8.053
CC BY 4.0 License:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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Abstract
Credit cards have become an important part of India’s digital banking and payment system, offering convenience, financial flexibility, rewards, cashback, security, and short-term credit. However, high interest charges, annual fees, late-payment penalties, overspending, and debt accumulation can create financial difficulties. This study examines the advantages and disadvantages of Axis Bank and SBI Bank credit cards from the customer perspective. It focuses on awareness, usage patterns, reward benefits, transaction convenience, security, customer service, repayment practices, annual fees, and overall satisfaction. Primary data were collected from 100 respondents through a structured questionnaire and analyzed using percentage analysis. The study offers practical guidance.

 
Keywords
Credit Cards; Axis Bank; SBI Bank; Customer Satisfaction; Credit Management
Article Information
PUBLICATION DETAILS
Review Type:
Double-Blind Peer Review
License:
CC BY-NC 4.0
Volume/Issue:
Volume 02, Issue 8
Review Rounds:
2
Article Type:
Research Article
Publication Date:
Aug 25 2026
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NAIK, D. G. (2026). A Study on Credit Card Advantages and Disadvantages with Reference to Axis Bank and SBI Bank Credit Cards. International Journal of Science, Strategic Management and Technology, 02(8), 1-9. https://doi.org/10.55041/ijsmt.v2i8.053

NAIK, DHARAVATH. "A Study on Credit Card Advantages and Disadvantages with Reference to Axis Bank and SBI Bank Credit Cards." International Journal of Science, Strategic Management and Technology, vol. 02, no. 8, 2026, pp. 1-9. doi:https://doi.org/10.55041/ijsmt.v2i8.053.

NAIK, DHARAVATH. "A Study on Credit Card Advantages and Disadvantages with Reference to Axis Bank and SBI Bank Credit Cards." International Journal of Science, Strategic Management and Technology 02, no. 8 (2026): 1-9. https://doi.org/https://doi.org/10.55041/ijsmt.v2i8.053.

References

  • Chandra, A., & Arora, R. (2022). Study on security aspects of contemporary credit cards.

  • Gupta, R., & Ramesh, S. (2023). Study on consumer opinions of SBI Bank and Axis Bank credit cards.

  • Kumar, A., & Verma, S. (2019). Study on customer satisfaction with credit card services provided by commercial banks.

  • Malhotra, A., & Jain, R. (2024). Study on the benefits and drawbacks of credit cards in the Indian banking industry.

  • Nair, P., & Joseph, M. (2021). Study on the disadvantages of credit card usage.

  • Patel, R., & Shah, M. (2021). Study on customer choice and credit card reward programmes.

  • Prasad, R., & Kiran, S. (2024). Study on financial literacy and credit card usage.

  • Reddy, P., & Rao, S. (2019). Study on the impact of credit cards on consumer purchasing decisions.

  • Sharma, A., & Gupta, R. (2018). Study on Indian consumers’ attitudes toward credit card use.

  • Singh, R., & Mehta, A. (2020). Study on digital banking and the growth of credit card usage.

Ethics and Compliance
✓ All ethical standards met
This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.
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