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✓ Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card now!

Credit Card

A credit card is a financial instrument issued by a bank or NBFC with a pre-set credit limit. The limit is decided by the issuer on the basis of its internal policies and the customer’s creditworthiness. In case you do not have adequate funds in your savings account, you can use the limit on your credit card to pay for your purchases. You can then repay the amount spent on the card in full at the time of billing or opt for an EMI payment option, if applicable. Additionally, these cards also help you build a good credit score while offering benefits such as rewards, cashback, discounts, and more. Depending on your lifestyle and spending habits, you can choose from a number of credit card options.

How to Apply for a Credit Card

Applying for the best credit card online on the %$$BrandName$$% website is pretty easy. You can follow the below-mentioned steps to successfully complete the process:

  • Step 1: Visit the %$$BrandName$$% official website.

  • Step 2: Enter your contact information and other personal details.

  • Step 3: If you have an offer, browse through the card options available on the site and compare their features.

  • Step 4: Select the best credit card that perfectly complements your spending habits.

  • Step 5: Check the eligibility criteria for the card of your choice.

  • Step 6: Submit your application form to initiate the application process for the online credit card.

Credit Card Partners

RBL Bank

The Bajaj Finserv RBL Bank SuperCard offers you unlimited benefits of a credit card coupled with additional rewards. You can use it on diverse platforms, shop with it in a single swipe, use it to withdraw cash without paying any interest, and save more on each transaction.

Axis Bank

Axis Bank brings to you an amazing range of Credit Cards offer benefits from lifestyle to travelling, dining and much more. You can conveniently pay your utility bills, get great discounts on online shopping, grab extra movie tickets and much more.

SBI Card

SBI Card presents a wide range of credit cards designed specially to suit the financial needs of the cardholders. This exciting range of various Credit Cards is now available at %$$BrandName$$% in just a few simple clicks.

Citibank

Citibank brings to you a wide range of credit cards that suit your needs perfectly. Whether you want to travel or save big on your daily spends, you can always find the perfect Citibank Credit Card for your needs. Read the features and benefits of each credit card here at %$$BrandName$$%, compare and apply for the best credit cards from Citibank.

ICICI Bank

ICICI Bank is here to offer you a wide range of credit cards that are designed as per your requirements. Enjoy great benefits, discounts, rewards, and more with the ICICI Bank credit cards. Compare each of them here on %$$BrandName$$% and apply for the one that suits your needs the best.

Bajaj MARKETS has partnered with some of the most prestigious banks in the country to provide you with the best credit cards. Whether you are looking for best credit cards for beginners or premium instant credit cards, we have got you covered. Be it shopping benefits or travel discounts, fuel surcharge waivers, or lifestyle rewards, we have just the right credit card in store for you! Browse now to compare top offers and features by Axis Bank credit card, SBI credit card, RBL Bank credit card, Citibank credit card and ICICI credit card and apply for credit card online today!

Bajaj Finserv RBL Bank Credit Cards

Platinum Choice SuperCard

  • Joining Fee
    ₹499 + GST
  • Annual Fee
    ₹499 + GST

Short-term Benefits

Get welcome bonus of 2,000 reward points. Avail interest-free loan for up to 90 days.

Long-term Benefits

You can avail interest-free cash withdrawal for up to 50 days. You can make down payments using SuperCard reward points. Get 5% cashback on down payment using SuperCard. Enjoy exclusive reward programs on offline and online spends. Benefit from the fuel surcharge waiver option. Avail 10% discount on 1 movie ticket. Pay for expenses above ₹ 3,000 through easy EMIs.
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Platinum Choice First Year Free SuperCard

  • Annual Fee
    ₹499 + GST

Short-term Benefits

Get the credit card without paying any joining free. Get welcome bonus of 2,000 reward points. Avail interest-free loan for up to 90 days.

Long-term Benefits

Avail interest-free cash withdrawal for up to 50 days. You can make down payments using SuperCard reward points. Get 5% cashback on down payment using SuperCard. Reap the benefit of exclusive reward programs on offline and online spends. Enjoy fuel surcharge waiver. Avail 10% discount on 1 movie ticket. Pay for expenses above ₹ 3,000 through easy EMIs.
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Platinum Plus SuperCard

  • Joining Fee
    ₹999 + GST
  • Annual Fee
    ₹999 + GST

Short-term Benefits

Avail welcome bonus of 4,000 reward points. Get interest-free loan for up to 90 days.

Long-term Benefits

Avail interest-free cash withdrawal for up to 50 days. You can make down payments using SuperCard reward points. Get 5% cashback on down payment using SuperCard. Enjoy best-in-class reward programs on offline and online shopping. Fuel surcharge waiver every month. Get 1 + 1 movie tickets when booked on BookMyShow every month. Pay for expenses above ₹ 3,000 through easy EMIs. Win 2 complimentary airport lounge access annually.
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Platinum Plus First Year Free SuperCard

  • Annual Fee
    ₹999 + GST

Short-term Benefits

Get the credit card without paying any joining free. Win welcome bonus of 2,000 reward points. Avail interest-free loan for up to 90 days.

Long-term Benefits

Avail interest-free cash withdrawal for up to 50 days. Get 5% cashback on down payment using SuperCard. You can make down payments using SuperCard reward points. Enjoy exclusive reward programs on offline and online spends. Enjoy monthly Fuel surcharge waiver. Avail 1+ 1 movie ticket on bookmyshow once a month. Pay for expenses above ₹ 3,000 through easy EMIs. Get 2 complimentary airport lounge access once a year
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World Prime SuperCard

  • Joining Fee
    ₹2,999 + GST
  • Annual Fee
    ₹2,999 + GST

Short-term Benefits

Get welcome bonus of 12,000 reward points. Avail interest-free loan for up to 90 days.

Long-term Benefits

Avail interest-free cash withdrawal for up to 50 days. You can make down payments using SuperCard reward points. Avail 1+ 1 movie ticket on BookMyShow once a month. Get 5% cashback on down payment using SuperCard. Get 4 complimentary airport lounge access once a year. Enjoy exclusive reward programs on offline and online spends. Get monthly Fuel surcharge waiver. Pay for expenses above ₹3,000 through easy EMIs.
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World Plus SuperCard

  • Joining Fee
    ₹4,999 + GST
  • Annual Fee
    ₹4,999 + GST

Short-term Benefits

Get welcome bonus of 20,000 reward points. Avail interest-free loan for up to 90 days.

Long-term Benefits

Get interest-free cash withdrawal for up to 50 days. You can make down payments using SuperCard reward points. Enjoy the offer 1 + 1 movie ticket on BookMyShow once a month. Avail 5% cashback on down payment using SuperCard. Get 8 complimentary airport lounge access once a year. Enjoy exclusive reward programs on offline and online expenses. Get monthly Fuel surcharge waiver. Pay for expenses above ₹ 3,000 through easy EMIs.
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Doctor's SuperCard

  • Joining Fee
    ₹999 + GST
  • Annual Fee
    ₹999 + GST

Short-term Benefits

You can opt for an interest-free loan for up to 90 days. You also get a welcome bonus of 1,000 reward points.

Long-term Benefits

Offers professional indemnity insurance up to Rs. 20 Lakhs. Moreover, get an insurance premium waiver on professional indemnity cover on expenses above Rs. 3.5 Lakhs. Get interest-free cash withdrawal for up to 50 days. You can make down payments using SuperCard reward points. Enjoy the offer 1 + 1 movie ticket on BookMyShow once a month. Avail 5% cashback on down payment using SuperCard. Get 4 complimentary airport lounge access once a year. Enjoy best-in-class reward programs on offline and online expenses. Get monthly Fuel surcharge waiver. Convert your expenses above ₹ 3,000 in easy EMIs.
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Bajaj Finserv RBL Bank Shop Smart SuperCard

  • Joining Fee
    ₹499 + GST
  • Annual Fee
    ₹499 + GST

Short-term Benefits

Get a cashback worth Rs. 500 (On the expense of Rs. 2000 in first 30 days & payment of joining fees). Avail interest-free loan for up to 90 days.

Long-term Benefits

You can make down payments using SuperCard reward points. Avail 5% cashback on down payment using SuperCard. Convert your expenses above ₹ 3,000 in easy EMIs. Enjoy annual savings of more than Rs. 5000. Reap the benefits of cashback worth Rs. 1000 on the expenses of Rs. 1 Lakh in the first year. Avail 5% cashback on monthly grocery shopping. Get interest-free cash withdrawal for up to 50 days.
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Bajaj Finserv RBL Bank Travel Easy SuperCard

  • Joining Fee
    ₹999 + GST
  • Annual Fee
    ₹999 + GST

Short-term Benefits

Avail gift vouchers worth Rs. 1000 on spends of Rs. 2000 in first 30 days & payment of annual fee. Avail interest-free loan for up to 90 days.

Long-term Benefits

Avail 10% cashback on Uber/ Ola/ Fuel Purchases (up to Rs. 400/month). You can make down payments using SuperCard reward points. Get 5% cashback on down payment using SuperCard. Reap the benefits of gift vouchers worth Rs. 1000 on the expenses of Rs. 1 Lakh in the first year. Enjoy annual savings of more than Rs. 9,000. Get interest-free cash withdrawal for up to 50 days. Convert your expenses above ₹ 3,000 in easy EMIs. In addition, get monthly Fuel surcharge waiver.
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Bajaj Finserv RBL Bank Value Plus SuperCard

  • Joining Fee
    ₹499 + GST
  • Annual Fee
    ₹499 + GST

Short-term Benefits

Avail welcome gift vouchers that are redeemable on Shoppers Stop, Flipkart, MakeMyTrip and many more. Get interest-free loan for up to 90 days.

Long-term Benefits

Convert your expenses above ₹ 3,000 in easy EMIs. In addition, get monthly Fuel surcharge waiver. Reap the benefits of gift vouchers worth Rs. 1000 on the expenses of Rs. 1 Lakh in the first year. Avail 10% cashback on Uber/ Ola/ Fuel Purchases (up to Rs. 400/month). You can make down payments using SuperCard reward points. Get 5% cashback on down payment using SuperCard. Get interest-free cash withdrawal for up to 50 days.
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Axis Bank Credit Cards

MY ZONE Credit Card

  • Joining Fee
    ₹500 + GST
  • Annual Fee (2nd year onwards)
    ₹500 + GST

Benefits

The MY ZONE Credit Card is an all-rounder when it comes to offers! You get 25% cashback on movie ticket purchases, complimentary airport lounge access and fuel surcharge waiver and much more!

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NEO Credit Card

  • Joining Fee
    ₹250 + GST
  • Annual Fee
    ₹250 + GST

Benefits

The NEO Credit Card offers a lot with the main benefits being gift vouchers from Amazon, BookMyShow and Myntra. You can get up to 20% off at 4000+ partner restaurants across India. Get 10% off on movies, mobile recharges, online shopping & more.

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INDIANOIL AXIS BANK Credit Card

  • Joining Fee
    ₹500 + GST
  • Annual Fee (2nd year onwards)
    ₹500 + GST

Benefits

INDIANOIL AXIS BANK Credit Card is a specially designed credit card to benefit you on every fuel transaction. Enjoy accelerated reward points and surcharge waiver at fuel outlets. Get instant discount on your movie tickets booked via BookMyShow website/app & 20 EDGE REWARD points on every Rs. 100 spent on fuel at IOCL outlets.

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SBI Cards

BPCL SBI Card

  • Joining Fees
    ₹499 + GST
  • Renewal Fee
    ₹499 + GST

Benefits

The BPCL SBI Card is launched in collaboration with Bharat Petroleum. It lets you save huge on your fuel spends. Additionally, it offers welcome gift vouchers, premium security, contactless advantage and much more.

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SimplySAVE SBI Card

  • Annual Fee
    ₹499 + GST
  • Renewal Fee
    ₹499 + GST

Benefits

The SimplySAVE SBI Card is designed to help you save big time on your everyday expenditure. Hence it offers rewards points and discounts at most of your transactions. The SimplySAVE SBI Card comes with reward points on movies, dining, and even grocery shopping. It is accepted worldwide so you can plan your travel without any worries.

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IRCTC RuPay Card

  • Annual Fee
    ₹500 + GST
  • Renewal Fee
    ₹300 + GST

Benefits

The IRCTC RuPay Card is specially designed to let you save on your railway ticket bookings. Launched in collaboration with IRCTC, the Credit Card offers amazing discounts and reward points to make your travel worry-free. The IRCTC SBI Card brings you great offers on travel, golf, dining and other entertainment options from RuPay.

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SBI Card ELITE

  • Annual Fees
    ₹4999 + GST
  • Renewal Fees
    ₹4999 + GST

Benefits

The SBI Card ELITE, as the name suggest, is the crème de la crème of Credit Cards. It is a top-notch Credit Card that brings you the best of everything including e-gift vouchers, ELITE Rewards, International Lounge access, complimentary Club Vistara membership, Domestic airport lounge access, premium security and much more.

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SimplyCLICK SBI Credit Card

  • Annual Fees
    ₹500 + GST
  • Renewal Fees
    ₹500 + GST

Benefits

The SimplyCLICK SBI Credit Card offers amazing discounts on your daily purchases and comes pre-equipped with amazon vouchers, gets you fuel surcharge waivers, cash on the go, premium security and much more.

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SBI Card PRIME

  • Annual Fees
    ₹2999 + GST
  • Renewal Fees
    ₹2999 + GST

Benefits

The SBI Card PRIME is one of the most premium Credit Card that you can own in India. It brings you a host of rewards points and discounts that make it live up to its name. The SBI Card PRIME comes with exclusive PRIME benefits, milestone benefits, complimentary Club Vistara membership, airport lounge access, premium security and much more.

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Citibank Credit Cards

Citibank Cash Back Credit Card

  • Joining Fees
    ₹500 + GST

Benefits

Citi Cash Back Credit Card rewards is the ideal credit card for users who are looking to save on every transaction. It returns a percentage of the transacted amount back on every purchase.

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Citibank Rewards Credit Card

  • Joining Fees
    ₹1000 + GST

Benefits

Citibank Rewards Credit Card is one of the best Credit Cards that you can apply for. With this credit card in your pocket, the list of benefits just won’t seem to end! Get up to 2500 reward points upon joining and up to 10 Reward Points for every Rs.125 spent at apparel and department stores with your Citi Rewards Credit Card.

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Citibank Premier Miles Credit Card

  • Annual Fees
    ₹3000 + GST

Benefits

Citi Premier Miles Credit Card is specially created for frequent travelers. It provides access to both, domestic and international airport lounges along with exclusive deals on flight tickets, hotel bookings and car hire, which makes it an ideal travel credit card. Cardholders can also accumulate air miles that can be redeemed to buy flight tickets.

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Citibank IndianOil Credit Card

  • Annual Fees
    ₹1000 + GST

Benefits

The Citibank IndianOil Credit Card is a fuel credit card that enables you to save more on fuel at all IndianOil outlets across the country. You get 2.5% fuel surcharge across all IndianOil fuel stations. Want more? You even get dining and shopping privileges. Here are a few details about the popular Credit Card and its benefits.

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ICICI Bank Credit Cards

ICICI Coral Visa Credit Card

  • Annual Fee
    ₹500 + GST

Benefits

If you enjoy online shopping, the ICICI Coral Credit Card is designed as per your needs. You get cashback, rewards points, and exciting gift vouchers that enhance your shopping experience. This card also offers great dining benefits and entertainment perks.

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ICICI Expressions Credit Card

  • Annual Fee
    ₹500 + GST

Benefits

This credit card comes with an embedded microchip that protects your transactions from fraudulent activities. Apart from offering a high level of security, this card comes with a myriad of perks tailored as per your needs. May it be shopping, dining, or lifestyle needs, the ICICI Expressions Credit Card is ever-ready to reap benefits for you.

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ICICI HPCL Credit Card

  • Annual Fee
    ₹199 + GST

Benefits

Use your ICICI HPCL Credit Card to refuel your vehicle and get cashback benefits. This card can be used for all your utility bill payments like mobile bills, electricity bills, and so on. It also offers great savings on dining at participating restaurants.

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ICICI MMT Platinum Credit Card

  • Annual Fee
    ₹Nil (2nd year onward) + GST

Benefits

The MakeMyTrip ICICI Bank Platinum Credit Card is a great option if you love traveling. Enjoy exclusive MakeMyTrip benefits when you use this card to book your travel plans. You can earn “My Cash” under the Milestone Rewards Program associated with this card.

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ICICI MMT Signature Credit Card

  • Joining Fee
    ₹2,500 + GST
  • Annual Fee
    ₹Nil (2nd year onward) + GST

Benefits

This credit card offers exclusive perks when you use it for your travel bookings. The domestic lounge access comes as a complimentary benefit with the MakeMyTrip ICICI Bank Signature Credit Card. It doesn’t stop here! You can enjoy big savings when you use this card for buying movie tickets.

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ICICI Manchester United Platinum Credit Card

  • Annual Fee
    ₹499 + GST

Benefits

If you are a Red, this is a card specifically designed for you. Enjoy great discounts when you visit the ‘Theatre of Dreams’. Also get additional discounts when you shop online at the Manchester United megastore. Apart from the exclusive MU benefits, this card comes with amazing dining and entertainment offers.

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ICICI Manchester United Signature Credit Card

  • Annual Fee
    ₹2,499 + GST

Benefits

The ICICI Bank MU Signature Credit Card comes with great benefits for all United fans. Enjoy great discounts when you visit The Old Trafford. Additional discounts are available on purchases made online from the MU megastore. Apart from the exclusive MU offers, this card comes with lucrative perks associated with dining and entertainment.

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ICICI Platinum Visa Credit Card

  • Annual Fee
    ₹Nil + GST

Benefits

The ICICI Platinum Credit Card offers 2.5% waiver on fuel surcharge. PAYBACK points can also be earned by you when you make purchases using this card. Enjoy attractive travel benefits with this ICICI credit card.

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Eligibility & Documents Required to Apply for a Credit Card

Eligibility Criteria

Depending on the issuer’s policy and the type of credit card you wish to apply for, the eligibility criteria for a credit card may slightly differ. However, the basic credit card eligibility requirements can be summed up as follows:

  • Age: The minimum age for applying is 18 years.

  • Residence: You must either be a resident of India or a non-resident Indian (NRI).

  • Income: The minimum annual income is ₹1.8 lakh.

  • Credit Score: A credit score of 700 or above is considered ideal. In the absence of a good credit score, you can apply for a credit card against a fixed deposit.

 Documents Required

The following documents are necessary when initiating the application process for a credit card:

  • Identity Proof: Passport, PAN card, Voter’s ID, Aadhaar card, driving licence, arms licence, ration card, Freedom Fighter’s ID card, or legally acceptable photo ID duly signed by a gazetted officer.

  • Address Proof: Passport, Voter’s ID, Aadhaar card, driving licence, ration card, property documents, lease/rent agreement, utility bills of the last three months.

  • Income Proof: Form 16, income tax returns, salary slips of the last three months, bank statements of the previous six months.

Features and Benefits of Credit Cards

  • EMI Conversion

EMI or Equated Monthly Instalments lets you pay for the cost of purchases with ease. The amount you would need to pay as EMI would depend on the rate of interest charged by the bank, the loan tenor, and the down payment.

  • Attractive Rewards

You can earn attractive credit card reward points based on the type of spends, cost of purchase, and card type. You can redeem these reward points in the form of discounts, gift vouchers, movie tickets, fuel surcharge waivers, etc., when you transact at any of the partner stores.

  • Boost Your CIBIL Score

Every credit card bill payment you make gets reported to the credit bureaus. These companies are in charge of maintaining and updating the credit scores of individuals. Regular bill payments improve your credit history and help you maintain a good credit score.

  • Airport Lounge Access

One of the most sought-after features of credit cards is the airport lounge access. The most prestigious cards also double as lounge access cards to offer you the benefit of resting, eating, and unwinding in a relaxed lounge setting while you wait for your next flight.

Types of Credit Cards

Depending on the features offered, credit cards can be classified into different types. Below listed are details about various credit card types available in the market with examples.

Type

Description

Top Cards

Shopping Credit Card

It is designed for frequent shoppers. While some cards provide deals and discounts for shopping online, others are designed for in-store shopping. Further, there are co-branded cards that give offers and rewards on specific brands or stores. These cards are great for enjoying benefits such as welcome gifts, reward points, deals and discounts, etc.

SBI Prime Credit Card

Axis NEO credit card

Travel Credit Card

This is the best value card for frequent travellers. The features and benefits offered mostly revolve around air travel. Reward points to air miles conversion, free flight tickets, complimentary airport lounge access, and accelerated rewards on air ticket booking, among others, are some common features offered. Most of these cards are co-branded cards offered in collaboration with the card issuer and an air carrier or travel website.

IRCTC SBI RuPay Card

RBL Travel Easy SuperCard

Fuel Credit Card

This is the best card to get if you own a vehicle as it allows you to enjoy significant savings on your fuel expenses. You get reward points on fuel spends, fuel surcharge waiver facility, reward points redemption against fuel purchases, and many more benefits. This enables you to keep your fuel expenses under check.

IndianOil Axis Bank Credit Card

BPCL SBI Card

AirMiles Credit Card

These cards are specially designed for people who travel frequently via air. To make your experience worthwhile, such cards come with complimentary lounge access. They even let you earn bonus points against flight ticket purchases in addition to providing cashback, reward points, lower foreign exchange rates, hotel booking discounts, extra air miles on partner airlines, etc.

Axis Bank PRIVILEGE Credit Card

Citi PremierMiles Credit Card

Rewards Credit Card

These cards help cardholders earn rewards against purchases. This includes bonus points on card renewal, online and offline transactions, special occasions, etc. These cards, in some cases, also let you earn accelerated reward points against milestone expenses. These points can be redeemed to save more.

SimplySAVE SBI Credit Card

Axis Bank SELECT Credit Card

Secured Credit Card

These cards are issued against a fixed deposit and are ideal for people with no or poor credit history. Using the card properly can help improve your creditworthiness and credit score, which would allow you to borrow funds with ease in the future.

RBL Bank Supercard

SBI Advantage Plus Card

Contactless Credit Card

These cards use RFID technology to conduct a transaction. As the name suggests, such transactions are contactless and can be completed by simply tapping or hovering the card over the card terminal.

ICICI Bank Coral Credit Card

Axis Bank SELECT credit card

Why Apply for an Online Credit Card From %$$BrandName$$%

%$$BrandName$$% is a financial marketplace that gives you access to a range of credit cards along with insights about their features, benefits, fee details, and latest offers - all in one place! You can choose from a curated list of handpicked cards across popular banks - Axis Bank, State Bank of India, Citibank, ICICI Bank, and RBL Bank, which offer you a wide range of offers. Some of the key reasons why you should apply for credit card online at %$$BrandName$$% include:

  • Personal Loan Conversion

The cards available at %$$BrandName$$% allow you to apply for a personal loan against your cash limit. Also, you can repay this amount in easy EMIs!

  • Convert Purchases into EMIs

Purchases on cards available at %$$BrandName$$% can be easily converted into EMIs.

  • Stringent Security Measures

The cards are pre-equipped with topnotch safety measures to tackle any kind of credit card fraud.

  • Cash Withdrawal Without Interest

Most credit cards these days allow you to withdraw cash from an ATM and that too interest-free! You can avail this benefit against a minimal processing fee.

  • Discounts & Rewards

Avail big savings annually when you use your credit card. Why wait? Go apply for an online credit card today with a paperless application process! If you are a student, then you can apply for a Student Credit Card and avail exciting offers.

Why get a Credit Card from %$$BrandName$$%?

Which Credit Card is Best For You

The perfect card is the one that best matches your spending habits. It is, therefore, critical to know how to choose the right credit card before applying.

If you are someone who likes to shop a lot, you should go for a shopping credit card. This will allow you to enjoy discounts and cashback at partner brands as well as help you earn rewards. In case you own a car, you should opt for a fuel credit card to save surcharge on petrol or diesel purchases. The fuel surcharge waiver will be applicable at partner fuel outlets. On the other hand, if you do not have a credit score and are looking to build one for a loan you can take in the future, you can consider getting a secured credit card. There are also special credit cards for beginners which are designed to help you enjoy benefits at a low joining/annual fee.

Latest Credit Card News

Amazon Prime Day Sale 2022: Get Discounts with ICICI Credit Cards on iQOO Neo 6 5G, iQOO 9 5G & Select Smartphones

Amazon, the world’s leading digital retailer caters to the specific needs of its customers and provides them with amazing offers throughout the year. Right before the biggest Independence Day offer, customers can enjoy the two-day Amazon Prime Day Sale which is going to start on 23rd July 2022.Read More...

-  Jul 19, 2022

Amazon Prime Day Sale 2022: Members to get Instant 10% Discount with ICICI, SBI Credit Cards

The Amazon Prime Day Sale 2022 is around the corner and the e-commerce platform is ready to extend amazing offers. This year Amazon is going to host its first Prime Day Sale on 23rd July which is set to end on the very next day, i.e., 24th July 2022.Read More...

-  Jul 19, 2022

Thomas Cook Partners with Mastercard and HDFC Bank to Launch an Exciting Holiday Campaign - #FunTasticAsia

Recently, Thomas Cook (India) Limited has added the credit card giant Mastercard and the prestigious HDFC Bank to their business operations. The partnership has resulted in a thrilling holiday campaign named #FunTasticAsia where individuals can get instant discounts on holiday bookings at Southeast Asian destinations especially Singapore, Indonesia, Malaysia, and Thailand with their credit cards.Read More...

-  Jul 19, 2022

Credit Card/Debit Card Tokenisation w.e.f July 1: Important Details

Effective July 1, RBI would be implementing the tokenisation rule for debit and credit cards. As per the new rule, online merchants will not be able to store the customer's credit card or debit card details in their system. This move is implemented in order to protect customer privacy.Read More...

-  Jun 24, 2022

Credit Card Recurring Payment Limit Increased: No OTP Required for Payments Upto ₹15,000

The Reserve Bank of India (RBI) recently made amendments to the rules for credit and debit card payments in an effort to make recurring digital payments more seamless. As per the new update, the minimum amount limit for credit cards as well as debit cards has been increased. While earlier, e-mandates and standing instructions were required for amounts exceeding ₹5,000, as per the new rules, the limit has been extended to ₹15,000 for credit and debit cards.Read More...

-  Jun 24, 2022

About Credit Cards

Credit Cards & Related to Credit Cards

Resource Centre

FAQs on Credit Card

✔️What is a Credit Card?

A credit card is a financial tool that lets you borrow a certain sum of money against the assigned credit limit and repay it later in full or in instalments. They also offer other benefits such as rewards, cashback, etc. You can apply for a credit card online or offline.

✔️How to get a Credit Card online?

To get an instant credit card online, follow the steps mentioned below:

  • Visit the official Bajaj MARKETS website.

  • Enter your personal information and contact details.

  • Check out the list of credit cards on offer and compare their features.

  • Select the best credit card that perfectly complements your spending habits.

  • Upload the requested documents.

  • Submit the form online.

✔️What is the credit card balance?

The credit card balance is the total outstanding that a cardholder owes to his or her card issuer. It is calculated based on factors like purchases made applicable fees, including statement charges, annual fees, interest rates, and total outstanding amount with accrued interest. The balance is equivalent to the outstanding amount and is inversely related to the credit limit.

✔️How to use a credit card?

A credit card can be used online as well as offline to make purchases.

1) When paying for purchases online, you would need to follow the steps mentioned below:

  • Step 1: Select ‘Credit Card’ as your mode of payment at the payment gateway.

  • Step 2: Enter your credit card details, including the 16-digit card number, credit card expiry date, credit card CVV, and name as printed on the card.

  • Step 3: Click on ‘Pay’.

  • Step 4: Once redirected, you must authenticate the payment by entering the OTP sent to your registered mobile number or email ID.

2) When you use a credit card to pay for your purchases offline at a point-of-sale (PoS) machine, you would need to either swipe or insert it. The machine will then ask you to enter the PIN (personal identification number) to authenticate the transaction.

3) In case you have a contactless credit card, you can simply tap the card against the card reader to complete the transaction.

✔️How to make credit card bill payments?

Credit card bill payment can be done both online and offline. For online credit card payment, you can pay using popular methods such as IMPS, NEFT, RTGS, netbanking, BillDesk, Visa Money Transfer, auto-debit, etc. If you wish to opt for credit card payment offline, you can pay your credit card bill via cash or cheque at your nearby bank branch or ATM.

✔️Are there any charges on a credit card?

The fees and charges applicable will vary from one card to another. As a result, the type of card you choose and the way you use it will decide the expenses you are likely to incur. Some common fees and charges are annual fees, interest and finance charges, international transaction charges, over-limit charges, late payment fees, etc.

✔️What are the benefits of a credit card?

A credit card lets you easily borrow against the available credit limit and convert the purchase into EMI. Against all online and offline purchases, you can expect to earn reward points. Other benefits may include discounts, cashback, welcome gifts, fuel surcharge waiver, airport lounge access, golf memberships, etc. Also, paying your credit card bill on time is a good way to improve your credit history and CIBIL score. The specific benefits will vary from card to card.

✔️What is the eligibility to get a credit card?

The eligibility criteria varies depending on the credit card you apply for. You must fall within the age limit (usually between 18 and 65 years of age), should be a resident of India or a non-resident Indian (NRI), must have a good credit score, and fall within the set income bracket to apply for a credit card. You can check the credit card eligibility for different cards on the Bajaj MARKETS website.

✔️What is a credit card statement?

A credit card statement is a document that lists the transactions on your active card in a billing cycle. It provides an overview of all aspects related to your card, such as available credit limit, cash limit, total amount due, minimum amount due, credit card reward points, applicable fees and charges, etc.