Study on combo cards issued in India and survey of usage pattern and satisfaction level of combo card users at Manipal university

Cards which functions for combination of utilities are called Combo Cards. Some Banks have issued Combo cards for a number of purposes in association with various agencies. State Bank of India has issued Combo Card to Manipal Academy of Higher Education (MAHE) Group in 2005 which is used as their Student Identity, ATM cum Debit Card, Access Control card for university, Library, Hostel, Card for Payment of fees and Card for payment at Food Court and other locations. In Combo Card the Smart Card portion of the Card and an ATM Card have been cloned together so that the individual need to carry only one Card instead of multiple cards for multiple functionalities/uses. The present study has been conducted to assess the potential of Combo Card as marketing/customer retention tool and suggest measures to improve the acceptability of the card among existing/potential customers.