A credit card is a piece of plastic or metal issued by a bank or financial services company, with a pre-set credit limit that is decided by the issuer on the basis of the customer’s eligibility and the former’s policies. In the absence of adequate funds in your 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 EMI payment option, if applicable. Additionally, credit cards also help to build a good credit score while letting you save through 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 such as shopping credit cards, business credit cards, secured credit cards, etc. If you are unaware of the various benefits available on these cards, the eligibility criteria for applying, or how to choose the right credit card, we have got all the answers for you!
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!
Credit Cards available at Finserv MARKETS allow you to avail a personal loan against your cash limit. Also, you can repay this amount in easy EMIs!
Purchases through any Credit Card available at Finserv MARKETS can be converted into EMIs easily. Apply for a credit card online today.
You credit card comes pre-equipped with all the safety measures to tackle any kind of fraud. Apply online and avail the best credit card for you now!
You can now withdraw cash whenever you need using your Credit Card, that too interest-free! Avail this benefit against a minimal processing fee.
Avail BIG savings annually when you use your Credit Card. Why wait? Go online and apply today with a paperless application process! If you are student, then you can apply for a Student Credit Card and avail exciting offers.
Applying for a new credit card on the Bajaj MARKETS website is pretty easy and quick. You can follow the below-mentioned steps to apply for credit card online:
Step 1: Visit the Bajaj MARKETS official website.
Step 2: Enter your contact information and other personal details.
Step 3: If you have an offer browse through the credit 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 credit card of your choice.
Step 6: Submit your credit card application form to initiate the credit card apply online process.
Depending on the issuer’s policy and the type of credit card you wish to apply for, the eligibility criteria may slightly differ. However, the basic credit card eligibility can be summed up as follows:
Age: The minimum age for applying for a credit card is 18 years.
Residence: You must be a resident of India or a non-resident Indian (NRI).
Income: The minimum annual income to apply for credit card is ₹1.8 lakh.
Credit Score: A credit score of 700 or above is considered ideal. In the absence of a good credit score, credit cards can be availed against your income and savings. You can also opt for a secured credit card issued against a fixed deposit.
The following documents are necessary when initiating the credit card apply online process:
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 ID, Aadhaar card, Driving licence, Ration card, Property documents, Lease/rent agreement, Utility bills of the last three months.
Identity Proof: Form 16, Income tax returns, Salary slips of the last three months, Bank statements of the previous six months.
One of the best features of a credit card is the EMI process, wherein you can convert the cost of purchases into easy EMIs. The amount you would need to pay as EMI would depend on the rate of interest charged by the bank, the loan tenor, and also the down payment.
Credit cards offer attractive reward points based on the type of spends, cost of purchase, and credit 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.
Every online 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 add to your credit history and help you maintain a good credit score.
One of the most sought-after features of a credit card is airport lounge access. Some of the most prestigious credit cards also double as lounge access credit cards to offer you the benefit of resting, eating, and unwinding in a relaxed lounge setting while you wait for your next flight.
The fees and charges applicable on credit cards tend to vary from one card to another. As a result, the type of credit card you choose and the way you use it will decide the expenses you are likely to incur. Some common fees and charges that can be levied on a credit card are mentioned below:
In case yours is not a lifetime-free credit card, the bank will charge you an annual fee for owning the card. The fee is added to your bill automatically.
The interest rate is the charge you have to pay against the outstanding balance on your credit card if you fail to clear the dues by the due date.
A late fee is charged only when you fail to pay the minimum due amount in time. This is especially critical when getting credit cards for first-time users as delays or failures in paying the minimum pending amount can negatively affect the credit score.
Such charges are levied when you use your credit card for making transactions abroad.
These charges are levied when the card expenses are over the stipulated credit card limit.
Purchasing items or services using a credit card can earn you rewards as an added advantage on every transaction. These credit card reward points can be collected and redeemed for purchasing merchandise, securing air miles, getting gift vouchers, getting discounts or other benefits. You can also enjoy attractive credit card offers across a range of categories such as travel, shopping, dining, entertainment, healthcare, fitness, etc. It is important to note that credit card offers are at the discretion of the issuing authority and tend to vary from bank to bank.
Depending on the features offered, credit cards can be classified into different types. If you are wondering ‘Which is the best credit card for me?’, below listed are details about various credit card types available in the market with examples.
Type |
Description |
Top Cards |
A shopping credit card is designed for frequent shoppers. While some shopping credit cards provide deals and discounts for shopping online, others are designed for in-store shopping. Further, there are co-branded shopping credit 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. |
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This is the best value credit card for frequent travellers. The features and benefits offered on travel credit cards 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 by travel credit cards. Most travel credit cards are co-branded cards offered in collaboration with the card issuer and an air carrier or travel website. |
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This is the best credit card to get if you own a vehicle; these cards allow you to enjoy significant savings on your fuel expenses. The top credit card issuers bring you some of the best fuel credit cards in the country. Fuel credit cards give you more 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. |
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These cards are specially designed for people who travel frequently via air. To make your experience worthwhile, such cards usually 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. |
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Business credit cards are offered to employees for the tenor of their employment to make business-related transactions. This may include hotel stays, flight bookings, etc. As a result, employers can take stock of the expenses and manage them better. Personal transactions are strictly prohibited on such cards. |
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Rewards Credit Card |
Reward credit 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. |
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Secured credit 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 in the future |
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Bajaj MARKETS 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 credit cards across popular banks - Axis Bank, State Bank of India, Citibank, ICICI Bank, and RBL Bank, which offer you a wide range of offers and initiate the credit card apply online process. Some of the key reasons why you should apply for credit card online at Bajaj MARKETS include:
Credit Cards available at Bajaj MARKETS allow you to avail a personal loan against your cash limit. Also, you can repay this amount in easy EMIs!
Purchases through any Credit Card available at Bajaj MARKETS can be converted into EMIs easily.
Your credit card comes pre-equipped with all the safety measures to tackle any kind of fraudulent activities.
You can now withdraw cash using your Credit Card anytime, that too interest-free! Avail this benefit against a minimal processing fee.
Avail BIG savings annually when you use your Credit Card. Why wait? Go online and apply today with a paperless application process! If you are a student, then you can apply for a Student Credit Card and avail exciting offers.
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.
Bajaj 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 popular banks- Axis Bank, State Bank of India, Citibank, ICICI Bank 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 Bajaj 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.
A credit card is a financial instrument that can be used to make purchases on borrowed credit. The money spent can be paid later in full or using the credit card EMI option. Credit cards also offer other benefits such as rewards, cashback, etc. You can apply for credit card online or offline.
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.
An instant credit card from Bajaj MARKETS comes with various benefits. These include:
Huge reward points with almost every transaction
Personal loan against the unutilised credit limit
Guaranteed annual savings
Easy conversion of big-ticket purchases into manageable EMIs
Improved CIBIL score with timely repayments
Convenient ATM cash withdrawals
Different credit cards come with different eligibility criteria. However, the basic eligibility criteria which you must consider before applying for a credit card is:
Age - Between 18-65 years
CIBIL Score - at least 700 and above
Applicant must be a resident of India or an NRI
A credit card statement is the documentation of all transactions that you make on your credit card during a specific billing cycle. It also carries other crucial details related to your card such as the total amount due and minimum amount due for a billing cycle, payment due date, available credit limit, current billing cycle’s opening and closing balance, reward points earned/not redeemed, etc. A credit card statement can easily be accessed both online and offline.
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. Credit card balance is equivalent to the outstanding amount and is inversely related to the credit limit
The minimum amount due on a credit card is the amount that you are required to pay for your credit card bill on or before the due date. Generally, the minimum amount due is calculated at 5% of the unpaid balance. Note that the minimum amount due is not a fixed amount and varies every month, depending on the purchases you have made using the card during that period.
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:
Select ‘Credit Card’ as your mode of payment at the payment gateway.
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.
Click on ‘Pay’.
Once redirected, you would need to 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.
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.
Finserv MARKETS offered me an RBL card. I've been using this card for the past ten months, and it's a free card for life. The credit limit of Rs. 55,000 is sufficient. EMI conversion is available, and I can convert by mobile app at any time for a small fee. This card serves as a general purpose card for me. I earn points based on my consumption, but I have yet to redeem them.
Posted on 03 Dec 21
My RBL credit card from Finserv MARKETS has a credit limit of 40000 rupees, which is sufficient. If I spend more than 1 lakh in a year, the bank agent informs me that I will receive 1000 reward points. I used to pay my bills on time, which helped me keep my credit in good standing.
Posted on 03 Dec 21
I've had my RBL credit card from Finserv MARKETS for 1.5 years, and it has a lot of retail, gas, movie ticket, and reward point incentives. The credit limit is one lakh, which is more than enough. I pay my bills through the bank because it is close by. I also use net banking, which works quite well.
Posted on 03 Dec 21
RBL Bank credit card was recommended by a friend, so I applied for it through Finserv MARKETS. This card offers EMI alternatives, and I receive credit card statements in the form of a soft copy. This card offers a 1+1 movie ticket offer on a monthly basis, and I use it for everything.
Posted on 03 Dec 21
The RBL credit card is extremely wonderful, and I've been using it for two years with no problems. The annual fee is Rs.499, however this fee will be waived if I spend more than 1L in the same year. The card also comes with a lot of bonus points. The credit limit was likewise Rs 60,000, which was exactly what I had hoped for.
Posted on 03 Dec 21
SBI credit card has offers and reward points, but I have yet to redeem them; this is a domestic card with a credit limit of Rs 50,000, which is more than enough for my needs. My statement arrived on schedule. This card was used for personal reasons. The card is really easy to use.
Posted on 03 Dec 21
I've had my SBI credit card for over three months, and it comes with certain reward points and offers. This card was used for online shopping, gas surcharges, and grocery purchases. The credit limit on the card is adequate, and what I enjoy best about it is that it is a lifetime free card that is quite convenient to use.
Posted on 03 Dec 21
I've had my SBI credit card for approximately two months, but I haven't had the opportunity to review the card's offerings. The card's limit is 38000 points, and I'm happy with that because it's a free card for life. My card statement was always delivered on schedule, and my online banking was also quite reliable.
Posted on 03 Dec 21
For the past 3-4 years, I've been using the SBI credit card. It's a really convenient card, and it has the potential to improve my credit score. The credit limit is Rs.37,000, which is insufficient; nevertheless, this card offers extra benefits if I shop online through e-commerce sites.
Posted on 03 Dec 21
SBI processed everything in a fairly basic manner, and then an executive arrived and completed the process. I'm not thrilled with my credit limit, which is very low, and I need to boost it. Annual fees are Rs. 499, and if I spend Rs. 20k in 2 months, I will receive 500 rs in reward points. Those points may be converted into cash back, which I use to pay my bills, and if I spend Rs. 1Lakh in a year, it's a free card from the second year onward.
Posted on 03 Dec 21
For the past three years, I've had an Axis bank credit card; it's a free card for life, so I applied through the bank. I've learned everything I need to know about the card from the representative. I used to get a 10% discount on gas and groceries. I used to pay my expenses through the bank, and the card's limit is Rs. 45000. I also take use of their superb online banking service.
Posted on 03 Dec 21
This is an Axis Bank Flip card, and I'm earning extra reward points, which I'm converting into Indian rupees immediately from my account, at a rate of 5% on all transactions. I like the credit limit, and this card offers EMI options, as well as good customer support.
Posted on 03 Dec 21
Because an Axis bank representative called me directly, I applied for this credit card in my personal name. The customer service was excellent, and the credit limit was adequate. The limit is good; they gave me twice my income. I use this card for everything.
Posted on 03 Dec 21
This is an Axis Bank privilege credit card, which I applied for through a different route. I received a soft copy of my credit card statement. It's a travel card that I use to purchase airline tickets and receive airline discounts; it's quite beneficial.
Posted on 03 Dec 21
Because I have an Axis bank account, the banker has offered me a credit card. I received my card on time and without any problems. The bonus points are excellent. This card was used to make an online payment. I have another card from the same bank, but it has a different version, and generating a pin was a difficult procedure; I hope the bank would look into it.
Posted on 03 Dec 21
For the past year, I've been utilising an Axis Neo card. It's a free card for life, and the credit limit is adequate. They just recommended an increase, but I declined. Their service is excellent, and their prices are competitive. I use it for internet shopping because there aren't many deals on this card.
Posted on 03 Dec 21
CITI has provided excellent discounts and advantages for the past two months. As a result, I chose this card and applied online. It is a 500 rupee annual fee, but there is a waiver option if I spend Rs 30K within a year. The credit limit is set at Rs. 65,000. This card is eligible for EMI conversion.
Posted on 03 Dec 21
CITI Bank provides excellent customer service and consistently ranks first in response times. They gave me a Rs. 1 lakh credit card, which I have used extensively for shopping, dining, EB bill payment, rent payment, and the e-commerce vouchers I receive on a monthly basis.
Posted on 03 Dec 21
I applied for a CITI card online and submitted all of my documentation online, as well as having a bank agent come and collect the hard copy of my documents. I received the card in a timely manner. The processing fee and other charges were reasonable. The card's only value is that I can use it to get a discount at a gas station.
Posted on 03 Dec 21
The CITI has suggested a cost of 1000 rupees each year, but I can get it waived if I spend Rs. 30,000 in a year. I received a call on schedule, the process went smoothly, and I had the card and package within 6 working days. The credit limit is adequate, and I earn reward points dependent on how much I use it. I get reward points and cash back, which is great. Conversion to EMI is possible.
Posted on 03 Dec 21
With sky-rocketing fuel prices, I needed a Credit Card that could help me save on this ever increasing expense of mine. The INDIANOIL AXIS BANK Credit Card was just what I needed. Helped me save big-time.
Posted on 09 Dec 19
Choosing the MY ZONE Card was a very good decision as I got many vouchers with it! Plus the online process of applying for this Credit Card on Finserv MARKETS was very smooth. Highly recommended if you are looking for an all-in-one card.
Posted on 08 Mar 20
I have been using the INDIANOIL AXIS BANK Credit Card for quite some time now and I must say this is your go-to card if you are looking to save on your fuel expenses. I was also extremely satisfied with Finserv MARKETS portal as my application got approved in just a few clicks.
Posted on 10 Jan 20
I have the NEO Credit Card and it has proved to be a complete all-rounder for me! I got discounts on shopping, movie tickets, and it was extremely easy to convert my spends into smaller EMIs. Applying on Finserv MARKETS was very simple. I am totally satisfied with this card.
Posted on 11 Mar 20
I have taken MY ZONE Credit Card from Finserv MARKETS. I have just started using it and the best part is that I got an approval real quick and the application was very easy to fill.
Posted on 3 Apr 20
Getting a credit card on Finserv MARKETS was very easy. The product information provided was very useful. The process took just a few minutes and i was able to successfully apply for the card of my choice without any hassle.
Posted on 13 Apr 20
I got my Bajaj Finserv RBL Bank Credit Card two months ago and it has been a great experience. I get my card statement on time. I use this card for online shopping, groceries and for many other personal purchases.
Posted on 10 May 20
I have used credit card from Bajaj Finserv RBL Bank for 1 year. Lots of offers are available with the card. This card was suggested to me by my colleague.
Posted on 08 May 20