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Apply for Credit Cards

Credit Cards are the new-age convenient alternative to hard cash and debit cards. The Credit Cards offered by a lot of banks these days go far beyond just increasing your spending capacity as they come with certain benefits and offers. There are certain assured advantages of having Credit Cards. The first being that they allow you to shop without worrying about the current funds in your account.Secondly, you get multiple offers on a variety of exclusive Credit Cards that allow you to discounts at movie tickets, on travelling, on shopping and various cashback offers as well.

Why Should You Apply For a Credit Card?

There are multiple Credit Cards available across various banks today. These include cards that provide assured welcome gifts, exclusive benefits to shoppers, extra miles along with airport lounge access to frequent flyers and huge discounts on movie tickets to the movie buffs. Moreover, you can always rely on a Credit Card to help you purchase items you have kept in your wishlist for a long time without having to pay the entire sum upfront.. 

Finserv MARKETS is a financial marketplace that gives you access to a range of credit cards , along with their features, benefits, fee details, and latest offers- everything at one place. You can choose from among a curated list of handpicked Credit Cards, across three banks- Axis Bank, State Bank of India and RBL Bank, which offer you a wide range of offers. These cards allow you to pay your utility bills conveniently; get discounts at partner restaurants in India, Avail benefits like emergency credit and pay through easy EMIs on purchases with excellent reward points on milestone spends, and more such advantages. Also, on Finserv MARKETS you get the benefit of fast credit card approval, irrespective of if it’s your first time credit card application, owing to the all credit card apply online process. Browse through the list and select the best credit card to apply online.

How to Apply For a Credit Card?

If you are wondering “how to apply for a first credit card?” You can rest assured that the EMI credit card apply process is simple. Just select the best credit card to apply for first time users and proceed with the new credit card apply online or offline method.

All Bank Credit Card Apply Online Process

The below-mentioned steps will help answer your question, “how to apply for my first credit card online.” Both the new as well as first time credit card apply process is the same. Along with a domestic credit card, you can also apply for an international credit card online..

Step 1- Visit the Finserv MARKETS official website

Step 2- Enter your contact information and other personal details

Step 3- Browse the best credit cards to apply for, by the various banks, and compare the features

Step 4- Select the best credit card that perfectly complements your spending habits

Step 5- Submit your new or first time credit card application form and enjoy instant, easy online credit approval after filling out your application form

New Credit Card Application Offline

If you do not wish to opt for a chargeable or free credit card apply online process, you can also visit a bank branch to apply for credit card and follow the below-mentioned steps-. 

Step 1- Visit the nearest branch of the bank and meet a credit card representative

Step 2- Explain your needs and requirements with the representative, to help him/her suggest the credit card that might best suit you

Step 3- Fill out the credit card application form and submit it along with the documents requested for

Step 4- Once your request is verified, you will receive your credit card within a few days.

Yes, applying for your first credit card or new credit card is indeed that simple.

Eligibility Criteria and Documents Required to Apply For a Credit Card

The eligibility parameters and documents required are the same for both offline and online credit card application processes. These are listed below. 

  • Age-To apply for a credit card, you need to be a minimum of 18 years old. However, for add-on cardholders, in most cases, the minimum age is 15 years.
  • Residence- A new credit card application can be made if you are a resident of India. However, certain credit cards can be availed in case of Non-Resident Indians.
  • Income- Both salaried and self-employed individuals, can apply for credit card. All you need to have is a steady income. In most cases, the minimum income annually needs to be INR 2 lakhs to proceed with the credit card application. The actual amount may vary depending on the guidelines of the issuing authority.
  • Credit Score- A good credit score makes it easy to get credit cards online. In the absence of a credit score, your current income can be used to apply for a credit card. On the other hand, in case you have a low credit score, you can apply for a secured credit card against a fixed deposit.

Credit Card Documents (Any one of each)

  • Identity Proof- Passport, PAN card, Voter ID, Aadhaar card, and Driving licence.
  • Address Proof- Passport, Voter ID, Aadhaar card, Driving licence, Ration card, Property documents, Lease/Rent agreement, Utility bills of the last three months
  • Income Proof- Income tax returns, Salary slips of the last three months, Employment letter, Salary Certificate

Benefits of Having a Credit Card

Benefits
EMI Conversion

Credit cards offer the benefit of converting the amount due on the card into easy EMIs. The EMI facility on credit cards works in a simple way. You purchase the product you wish to buy and convert it to an EMI. The EMI is calculated based on the interest rate charged by the bank, the down payment made on the purchase, and the tenure you choose for repayment.

Attractive Rewards

Based on spends, card type and welcome bonus, credit cards offer attractive reward points. Customers to make down payment at multiple partner stores, both online and offline, can redeem these reward points. They can also be redeemed to avail discounts, movie tickets, gift vouchers, fuel surcharge waiver, etc.

Boost Your CIBIL Score

Every credit card bill you pay is reported to the credit information companies that regularly update and maintain the credit scores of individuals. As a result, regular bill payment ensures that you maintain a good credit score.

Airport Lounge Access

Your credit card can also give you complimentary Lounge Access. You can use the premium lounge access to rest in a luxury environment, have complimentary snacks, enjoy a quick shower, etc. You can find multiple lounge access credit cards on Finserv MARKETS.

Types of Credit Cards

  • Shopping Credit Card-

    A Shopping Credit Card is a special card designed for frequent shoppers. These credit cards can provide deals and discounts for shopping online, while in some cases they also offer similar benefits during in-store shopping. In addition to these, there are Shopping Credit Cards that are co-branded and provide offers and rewards on specific stores or brands. The card involves a starting annual fee of Rs.500 only. It is ideal for enjoying benefits such as welcome gifts, reward points, deals and discounts, etc.

  • Travel Credit Card-

    The Travel Credit Card is ideal for frequent travellers. This is because the features and benefits offered on the card revolve primarily around air travel. The reward points earned on the card can be converted to air miles, used for purchasing free flight tickets, getting complimentary airport lounge access, accelerated rewards on air ticket bookings, and much more. Most Travel Credit Cards are co-branded cards and are offered by a card issuer in collaboration with an Air Carrier or a Travel Website. The annual fee of owning such cards depends on the benefits they offer and usually ranges from INR 500 to INR 5,000.

  • Lifestyle Credit Card-

    A Lifestyle Credit Card, as the name suggests, is a card that is designed to meet all lifestyle needs. As a result, such a card is considered an “All-in-one” credit card, which provides you with privileges across a myriad of categories. Using this card, you can enjoy benefits while you shop, dine, entertain, or travel. You can also enjoy cashback and rewards, best credit card rates, exclusive credit card offers and discounts and much more. Owing to the luxury it offers, the annual fee and the joining fee for the card is relatively high. However, it totally makes up for the privileges these cards provide.

  • Fuel Credit Card-

    For car owners, who spend a significant amount of money refuelling, the Fuel Credit Card is the ideal credit card to opt for. These cards are recommended if you are looking to save significantly on your fuel expenses. Some of the top credit card issuers offer the best Fuel Credit Cards in the country. The cards provide a range of benefits such as earning reward points on fuel spends, enjoying fuel surcharge waiver facility, redeeming reward points against fuel purchases and many more value back benefits. As a result, the Fuel Credit Card efficiently manages to keep your fuel expenses under check.

Why Choose Finserv MARKETS While Applying For a Credit Card?

Reasons to Choose Finserv MARKETs Online Credit Card Apply Process
Personal Loan Conversion

Easy apply credit cards on Finserv MARKETS allow you to avail a personal loan against your cash limit. This amount can be repaid in easy EMIs!

Convert Purchases into EMIs

Purchases through any Credit Card available at Finserv MARKETS can be converted into EMIs easily. Some of the easy to apply credit cards also give you no cost EMI option. Just look out for the facility in the card you select before clicking the credit card apply now button.

Stringent Security Measures

Cyber-crime is a reality. As a result, your credit Card comes with security features that ensure that your money is safe from any fraud. Get a credit card online and avail a range of benefits today!

Cash Withdrawal Without Interest

Enjoy the advantage of withdrawing cash, whenever you need, using your very own Credit Card, that too interest-free! Avail this benefit against a minimal processing fee.

Discounts & Rewards

Avail BIG savings annually when you get a new credit card and use it for all your purchases. Why wait? Go online and enjoy a paperless credit card application online process!

At Finserv MARKETS we provide portfolios for SBI Credit Cards, RBL Credit Cards and Axis Credit Cards. You can also check out the our Student Credit Card page to know more about credit card benefits for students. If you are a student from Bihar, then you should also check our Bihar Student Credit Card Yojna to know more about the Student Credit Card Scheme introduced by Bihar Government.

Our Partners

  • Credit Card
    Key Features
    Annual Fee
  • RBL Bajaj Finserv Platinum Choice Credit Card

    Get 5% cashback on down-payment for any product on Bajaj Finserv EMI Network

    Avail interest free cash withdrawal up to 50 Days on cash limit

    Enjoy interest free loan up to 90 Days once a year on cash limit

    Assured Rs.100/month waiver on fuel surcharge

    Convert spends above Rs.3,000 to Easy EMI's (with interest)

    Annual Fee of Rs. 499

  • RBL Bajaj Finserv Platinum TravelEasy Credit Card

    Get 5% cashback on down-payment for any product on Bajaj Finserv EMI Network

    Enjoy Interest free cash withdrawal up to 50 Days on cash limit

    Avail Interest free loan up to 90 Days once a year on cash limit

    Get Additional fuel surcharge waiver of Rs.100/Month

    Convert spends above Rs.3,000 to Easy EMI's (with interest)

    Annual Fee of Rs. 999

  • Axis Bank Neo Credit Card

    Get amazon gift voucher worth Rs 250 on 1st spend with your Axis bank neo credit card within 30 days of card issuance

    Welcome gift voucher worth Rs 300 from BookMyShow

    Axis bank dining delights offering a minimum of 15% off at our partnered restaurants in india

    Redeem a Myntra gift voucher of upto 500/- -- Apply the coupon code-AXNIOMYNT during checkout

    Get the power of 10 — 10% off on Akbar travels, 10% off on Myntra with minimum transaction of Rs 500, 10% off on every movie ticket purchase on BookmyShow with maximum monthly benefits of 50/-, 10% off on mobile recharge through the FreeCharge app with monthly benefits of 30/-

    Zero lost card liability 

    Convert transactions over Rs 2500 into EMIs

    Annual Fee of Rs. 250

  • Axis Bank My Zone Credit Card

    25% cashback on movie tickets at Paytm all week. The amount of cashback in a calendar month is limited to 100/-

    Upto 1000/- off on myntra as welcome delights—Use code MYZONE1000 and pay using Axis bank my zone Credit Card to avail the offer. It’s applicable on minimum spends of 3499/-

    1% fuel surcharge waiver at all fuel transactions 

    Easily convert transactions over Rs 2500 into EMIs

    Get Axis bank dining delights offering upto 20% discount at partner restaurants in india.

    Upto 25% off on Myntra— Use coupon code MYZONE25 and pay using my Zone credit card.

    Avail 1 complimentary access to select airport lounges within india per calendar quarter 

    Annual Fee of Rs. 500

  • Axis Bank IndianOil Axis Bank Credit Card

    Welcome Gift- Earn 100% cashback within 30 days—Earn 100% cashback upto 250/- on all fuel transactions performed on your card within the 1st 30 days of card issuance.

    1% Fuel surcharge waiver

    Get annual fee waiver on spending more than Rs 50,000/-

    Avail instant discount upto 10% on tickets booked via Bookmyshow

    Grab Axis bank dining delights offering upto 20% discount at partner restaurants in india.

    Annual Fee of Rs. 750

  • Simply Click SBI Card

    Earn 10X rewards on online spends with exclusive partners - Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / Netmeds / Dineout / UrbanClap

    Get 1% Fuel surcharge waiver across all petrol pumps

    Grab Amazon.in Gift Card worth ₹ 500 on joining

    Earn 5X rewards on all other online spends

    Win e-vouchers worth Rs. 2,000 each on annual online spends of ₹ 1 Lakh & ₹ 2 Lakhs

    Avail annual fee reversal on annual spends of ₹ 1 lakh

    Available at an small renewal fee of just ₹ 499

    Annual Fee of ₹ 499

  • Simply Save SBI Card

    Enjoy 10X Reward Points on Dining, Grocery, Departmental stores & Movie spends

    Grab 2,000 Bonus Reward Points on spends of ₹ 2000 in first 60 days

    Get 1% Fuel surcharge waiver across all petrol pumps

    Avail annual Fee Reversal on spends of ₹ .1,00,000 in a year

    On all other spends, earn 1 Reward Point per ₹ 100 spent

    Available at an small renewal fee of just ₹ 499

    Annual Fee of ₹ 499

  • SBI Card Elite

    Get a welcome e-gift voucher worth ₹ 5,000 from Shoppers Stop, Yatra, Bata / Hush Puppies, Pantaloons

    Receive 2 complimentary movie tickets worth ₹ 500 every month at bookmyshow.com

    Get upto 50,000 Bonus Reward Points on annual spends

    Earn 10,000 bonus Reward Points on achieving annual spends of ₹ 3 lakhs & ₹. 4 lakhs

    Avail 6 Complimentary visits/year to airport lounges outside India through Priority Pass

    Spend Based Reversal on Annual Fee on spends of ₹ 10 Lakhs

    Get 5X Reward Points on Dining, Departmental stores and Grocery Spends

    Earn benefits on International Spends with the lowest Foreign Currency Mark-up Charge

    Avail lounge access at over 850 airports worldwide

    Get a 24/7 Concierge Service for a host of services and exciting offers on various privileges

    Avail 2 Complimentary Domestic Airport Lounge visits every quarter in India

    Get exclusive assistance with gift delivery, customized holiday packages, movie & hotel reservations

    Earn 15,000 bonus Reward Points on achieving annual spends of ₹ 5 lakhs and ₹ 8 lakhs

    Available at a renewal fee of just ₹ 4999

    Annual Fee of ₹ 4999

  • SBI Card Prime

    Get welcome e-gift vouchers worth ₹ 3,000 from any of the following brands: Yatra.com, Hush Puppies/Bata, Pantaloons and Shoppers Stop

    Receive Pizza Hut e-voucher worth ₹ 1000 on achieving spends of ₹ 50,000 in a calendar quarter

    Get Yatra.com/Pantaloons e-gift voucher worth ₹ 7000 on annual spends of ₹ 5 Lakhs

    Avail waiver of renewal fee on annual spends of ₹ 3 Lakhs

    Get 4 complimentary visits per year to International Lounges (outside India) under the Priority Pass Program (maximum of 2 visits per quarter)

    Avail 8 complimentary visits per year to Domestic Lounges under the VISA/MasterCard Lounge Program in India (maximum of 2 visits per quarter)

    Enjoy complimentary Trident Privilege Red Tier Membership

    Avail complimentary Club Vistara Membership

    Earn 20 Reward Points per ₹ 100 on birthday

    Grab 20 Reward Points per ₹ 100 on standing instructions for Utility Bills payments

    Earn 10 Reward Points per ₹ 100 on Dining, Groceries, Departmental stores and Movie spends

    Avail savings of 10% off on Hertz car rental and up to 35% off on Avis Car Rentals

    Get 15 Reward Points per ₹ 100 spent on BigBasket

    Available at an small renewal fee of just ₹ 2999

    Annual Fee of ₹ 2999

  • SBI Card BPCL

    Get 2000 Activation Bonus Reward Points worth Rs 500 on payment of joining fee

    Avail 4.25% Valueback ~ 13X Reward Points on fuel purchases at BPCL petrol pumps

    Earn 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies & Dining.

    Get 5X Reward Points per Rs. 100 spent on standing instructions of Utility Bills payments.

    Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases.

    Enjoy 4.25 % Valueback (13X Reward Points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction of upto ₹ 4,000), at any BPCL petrol pump across the country.

    Avail maximum surcharge waiver of Rs. 100 in a month, which is equivalent to an Annual Savings of ₹ 1200.

    Available at an small renewal fee of just ₹ 499

    Annual Fee of ₹ 499

  • IRCTC Rupay SBI Card

    Enjoy upto 10% value back on AC1, AC2, AC3, AC CC bookings made at irctc.co.in

    Avail 1 % transaction fee waiver on bookings made through IRCTC website

    Earn ₹ 350 activation bonus reward points on Joining

    Get 1% fuel surcharge waiver

    Grab 4 complimentary Premium Railway Lounge Access (Max 1 per quarter)

    Redeem reward points on IRCTC website for free tickets

    Available at an small renewal fee of just ₹ 300

    Nil

Frequently Asked Questions-

1. What is a Credit Card?

A Credit Card is a new-age convenient alternative to hard cash and debit cards. Along with increasing your spending capacity, these cards come with a range of benefits and offers. Credit cards allow you to shop in the absence of sufficient funds in your account. Also, you get multiple offers on Credit Cards that let you enjoy discounts on movie tickets, on travelling, on shopping and various cashback offers as well.

2. How to Apply for a Credit Card?

Enjoy easy credit card apply online process on Finserv MARKETS by following the steps stated below:

  • Visit Finserv MARKETS
  • Fill in your details
  • Check out the list of multiple Credit Cards from Axis Bank
  • Compare between the multiple Credit Cards being offered.
  • Select the Credit Card you find right for yourself
  • Submit your credit card online application form

3. How to Check Credit Card Eligibility?

To verify your credit card eligibility opt for online apply Bajaj Finance Card. Visit the Finserv MARKETS website, and enter your personal information, and contact details to begin the credit card new apply process. Once verified by OTP, you will be able to view the cards that you are eligible for.