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Gift Cards
By Barunkumar Bhowmick
Gift cards are some times the best choice to gift on different occasions. One of the main advantages is that the receiver does not get repetitive gifts. It may help them to buy things as per their requirement and necessity. Moreover, these cards have some validity period. So, there is a plenty of time to think upon. These cards are prepaid cards, i.e. gift amounts are preloaded onto the cards when they are purchased. These cards are not credit cards and there are no bank accounts involved. No PIN (Personal Identification Number) is associated with these cards. Hence, these cards cannot be used to withdraw cash at ATM. Normally, expiry date is printed on these cards. When purchases are made, amounts are deducted from the cards until the balance reaches to zero. Most of the Indian banks provide this facility. Here are some of them: Corporation bank issues Visa gift Card for a minimum of Rs.1,000/- and thereafter in multiple of Rs. 500/- subject to a maximum of Rs. 5,000/- which is accepted at all VISA enable merchant establishments in India. Central Bank of India issues MasterCard gift Card for a range of Rs. 500/- to Rs. 50,000/- which is accepted at all MasterCard enable merchant establishments in India. State Bank of India issues Visa gift Card for a minimum of Rs. 500/- and thereafter in multiples of Rs. 100/- subject to (1) For individuals – a maximum of Rs. 20,000/- and (ii) For Corporate- a maximum of Rs. 5,000/- per employee/beneficiary. It is acceptable at all VISA merchant establishments in India, Nepal and Bhutan. Different Banks provide different types of facilities. Like some banks provide SMS alerts, e-mails etc. Some banks provide outstanding balance at their ATMs. Some banks provide balance enquires on mobile phones and so on. More information on: www.corpprepaidcards.co.in
www.centralbankgiftcards.co.in
www.prepaidsbi.com
e-mail: dc@corpbank.co.in
prepaid@sbi.co.in
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