✔️What is a Credit Card?

A credit card is a financial instrument offered by Banks and NBFCs that allows you to make cashless payments without having to pay the upfront cost.

✔️How can I get a credit card online?

To get an instant credit card online, visit the official Bajaj Markets website. Then, enter your contact details and submit the OTP. Check out the list of credit cards on offer and compare their features. If offers are not available, fill in your personal details. A representative will contact you to take your application process further.

✔️What is the credit card balance?

The credit card balance is the total outstanding that you owe to your card issuer. It is calculated based on factors like 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 can I use a credit card?

A credit card can be used online as well as offline to make purchases. When paying for purchases online, 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. Finally, click on ‘Pay’ and once redirected, you must authenticate the payment by entering the OTP sent to your registered mobile. On the other hand, when you use a credit card to pay for your purchases offline, you would need to either swipe or insert it. The PoS machine will then ask you to enter the PIN (personal identification number) to authenticate the transaction. In case you have a contactless credit card, you can simply tap the card against the card reader to complete the transaction.

✔️How can I 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 bill via cash or cheque at your nearby bank branch.

✔️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) to get a credit card. Moreover, you should be a resident of India or a non-resident Indian (NRI) and must have a good credit score. You must also fall within the set income bracket to apply for a credit card. You can check the credit card eligibility for different cards on Bajaj Markets.

✔️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. It also informs you about credit card reward points, applicable fees and charges, etc.

✔️What are the different types of credit cards?

Some of the popular types of credit cards are travel credit cards, fuel credit cards, co-branded credit cards, lifestyle credit cards, etc.

Apply for Credit Card Online

Choose from 35 credit card options from the comfort of your home and apply for a credit card online to enjoy benefits like rewards, privileges, cashbacks & discounts. To get your credit card, apply on Bajaj Markets and use the credit card online & offline to make purchases, bill payments and more!

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

Apply Now

Credit Card

With comfort and convenience taking the centre stage, applying for a credit card online seems to be all the rage these days. You can explore over 35 different credit card options on Bajaj Markets, each tailored to suit your diverse needs.

Make purchases, pay bills, and do more, both online & offline, to enjoy benefits such as cashbacks, rewards, discounts, etc. Apply for a credit card on Bajaj Markets today!

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 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, DBS Bank Credit Card and ICICI credit card. Apply for a credit card online of your choice today!

Features and Benefits

Before you apply for a credit card, you must be aware of some of its notable features and benefits:

1. EMI Conversion

With a credit card, you can easily purchase big-ticket products and services and convert the cost into EMIs or Equated Monthly Instalments. In this way, you can avoid hefty upfront costs and an unnecessary strain on your savings.

2. Attractive Rewards

Credit cards allow you to get attractive credit card reward points based on the type of spending, cost of purchase, and card type. You can redeem these reward points in the form of discounts, gift vouchers, movie tickets, etc., at the issuer’s partner stores.

3. Boost Your CIBIL Score

Every credit card bill payment you make gets reported to the credit bureaus. So, making timely repayments towards your credit card bills will help you improve your credit history and boost credit score.

4. Airport Lounge Access

One of the most sought-after features of credit cards is airport lounge access. Many banks even offer lounge access cards that provide the benefit of resting, eating, and unwinding in a relaxed lounge setting.

5. Welcome Offers

Whenever you apply for a credit card, most financial institutions offer a welcome gift. The gift may include a mix of bonus reward points, vouchers, and discounts on purchasing products from major brands.

6. Fuel Surcharge Waiver

This feature is specially designed for people who own vehicles. The fuel surcharge waiver of up to 3% is offered by banks when you spend a certain amount on fuel each month.

7. Cashback Benefits

This benefit on your credit card allows you to enjoy cashback on the amount spent on a wide variety of purchases. It varies based on the card and ranges from shopping on an e-commerce website, and movie tickets, to utility bills payment.

8. Lifestyle Benefits

These benefits on a credit card allow you instant access to offers and discounts across all aspects of your lifestyle. You can get a wide range of offers on different lifestyle needs, such as entertainment, dining, wellness, shopping, etc.

9. Travel Benefits

If you are someone who travels often, then these travel benefits ensure an effortless travel experience. From airport lounge access to travel bookings and airline offers to travel insurance, the travel benefits on a credit card cover it all.

10. Add-on Cards

Several banks offer up to 5 supplementary credit cards that you can apply for your family members against your existing credit card. The limit and features on an add-on card are generally the same as the primary card.

11. Insurance Coverage

The comprehensive insurance coverage option on credit cards is offered by several premium banks and NBFCs. It provides cover against accidents, loss of baggage, passport theft, travel insurance, etc.

12. Balance Transfer

This feature allows you to transfer the balance of one credit card to another credit card with a lower rate of interest.

13. Global Acceptance

What sets credit cards apart from debit cards is their universal acceptance. Most credit cards are accepted globally, and this feature comes to the fore when you are travelling abroad.

Bajaj Finserv RBL Bank Credit Cards

Bajaj Finserv RBL Bank Binge SuperCard

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

Know More

Bajaj Finserv RBL Bank Binge SuperCard

Short-term Benefits Get welcome bonus of 4,000 Reward Points on spends worth Rs. 2,000. You can also get fuel surcharge waiver of up to Rs. 100/month. Get 1+1 Bookmyshow offer on movie ticket bookings of up to Rs. 200 once a month.
Long-term Benefits Get 2 complimentary domestic airport lounge access in a year. When you spend Rs.1 Lakh in a year and get annual fee waiver in the next year. On crossing Rs. 2 Lakh spend in a year get 10,000 milestone reward points.

Bajaj Finserv RBL Bank FYF Binge SuperCard

Joining Fee
₹Nil + GST
Annual Fee
₹Nil + GST

Know More

Bajaj Finserv RBL Bank FYF Binge SuperCard

Short-term Benefits Get fuel surcharge waiver of up to Rs. 100/month. Also get 1+1 Bookmyshow offer on movie ticket bookings of up to Rs. 200 once a month.
Long-term Benefits Get 2 complimentary domestic airport lounge access in a year. When you spend Rs.1 Lakh in a year and get annual fee waiver in the next year. On crossing Rs. 1.5 Lakh spend in a year get 10,000 milestone reward points. Shop using this card and save up to Rs. 12,000 annually.

Platinum Choice SuperCard

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

Know More

Platinum Choice SuperCard

Short-term Benefits Get welcome bonus of 2,000 reward points. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
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 ₹ 2,500 through easy EMIs.

Platinum Choice First Year Free SuperCard

Annual Fee
₹499 + GST

Know More

Platinum Choice First Year Free SuperCard

Short-term Benefits Get the credit card without paying any joining free. Get welcome bonus of 2,000 reward points. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
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 ₹ 2,500 through easy EMIs.

Platinum Plus SuperCard

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

Know More

Platinum Plus SuperCard

Short-term Benefits Avail welcome bonus of 4,000 reward points. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
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 ₹ 2,500 through easy EMIs. Win 2 complimentary airport lounge access annually.

Platinum Plus First Year Free SuperCard

Annual Fee
₹999 + GST

Know More

Platinum Plus First Year Free SuperCard

Short-term Benefits Get the credit card without paying any joining free. Win welcome bonus of 2,000 reward points. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
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 ₹ 2,500 through easy EMIs. Get 2 complimentary airport lounge access once a year

Bajaj Finserv RBL Bank Shop Smart SuperCard

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

Know More

Bajaj Finserv RBL Bank Shop Smart SuperCard

Short-term Benefits Get a cashback worth Rs. 500 (On the expense of Rs. 2000 in first 30 days & payment of joining fees). Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
Long-term Benefits You can make down payments using SuperCard reward points. Avail 5% cashback on down payment using SuperCard. Convert your expenses above ₹ 2,500 in easy EMIs. Enjoy annual savings of more than Rs. 10,000. 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.

Bajaj Finserv RBL Bank Travel Easy SuperCard

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

Know More

Bajaj Finserv RBL Bank Travel Easy SuperCard

Short-term Benefits Avail gift vouchers worth Rs. 1000 on spends of Rs. 2000 in first 30 days & payment of annual fee. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
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. 7,500. Get interest-free cash withdrawal for up to 50 days. Convert your expenses above ₹ 2,500 in easy EMIs. In addition, get monthly Fuel surcharge waiver.

Bajaj Finserv RBL Bank Value Plus SuperCard

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

Know More

Bajaj Finserv RBL Bank Value Plus SuperCard

Short-term Benefits Avail welcome gift vouchers that are redeemable on Shoppers Stop, Flipkart, MakeMyTrip and many more. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
Long-term Benefits Convert your expenses above ₹ 2,500 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.

Axis Bank Credit Cards

MY ZONE Credit Card

Suited For:
₹Travel + GST
Annual Fee (2nd year onwards)
₹500 + GST

Know More

MY ZONE Credit Card

Benefits The MY ZONE Credit Card is an all-rounder when it comes to offers! You get 40% off on Swiggy, free SonyLiv 1 year subscription, complimentary airport lounge access, fuel surcharge waiver and much more!

NEO Credit Card

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

Know More

NEO Credit Card

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.

INDIANOIL AXIS BANK Credit Card

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

Know More

INDIANOIL AXIS BANK Credit Card

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.

SELECT Credit Card

Joining Fee
₹3000 + GST
Annual Fee (2nd year onwards)
₹3000 + GST

Know More

SELECT Credit Card

Benefits SELECT credit card is one of the best credit cards that you can apply for. With this credit card, you get exclusive access to movie ticket offers on BookMyShow, 20% Off on BigBasket, 40% instant discount on Swiggy, milestone bonuses on premier spend, airport lounge access, fuel surcharge waiver, Complimentary Golf rounds, and much more.

SBI Credit Cards

BPCL SBI Card

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

Know More

BPCL SBI Card

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.

SimplySAVE SBI Card

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

Know More

SimplySAVE SBI Card

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.

IRCTC RuPay Card

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

Know More

IRCTC RuPay Card

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.

SBI Card ELITE

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

Know More

SBI Card ELITE

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.

SimplyCLICK SBI Credit Card

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

Know More

SimplyCLICK SBI Credit Card

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.

SBI Card PRIME

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

Know More

SBI Card PRIME

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.

Lifestyle Home Centre SBI Card

Annual Fees
₹499 + GST
Renewal Fees
₹499 + GST

Know More

Lifestyle Home Centre SBI Card

Benefits The Lifestyle Home Centre SBI Card is one of the best shopping credit cards which is launched in association with Landmark Stores. This card is specially designed for people who love shopping, especially at Lifestyle, Spar, Home Centre and Max stores or online portals. The card offers huge discounts and rewards on these stores which can be redeemed for Landmark Rewards and Landmark Points. With the accumulated Landmark Rewards or Points, you can buy various products from the Landmark Stores.

Max SBI Card SELECT

Annual Fees
₹1499 + GST
Renewal Fees
₹1499 + GST

Know More

Max SBI Card SELECT

Benefits The Max SBI Card Select is specially designed for the shopaholics who love shopping at Landmark Stores including Max Fashion. The card is a co-partnered shopping credit card with the SBI and Max, offering a wide range of rewards and benefits across varied categories such as bonus reward points, milestone rewards, welcome gifts and a lot more.

Central SBI Select Credit Card

Annual Fees
₹750 + GST
Renewal Fees
₹750 + GST

Know More

Central SBI Select Credit Card

Benefits Are you a shopaholic and love being a fashionista or someone who loves to keep their wardrobe updated with the latest in fashion? Yes, then gear up, as being fashionable is now more exciting and rewarding! Yes, you read that right! Bringing to you Central SBI Select Card which is thoughtfully designed to give you maximum rewards and benefits with a host of lifestyle features. The Central SBI Select Card can be used for daily as well as luxury purchases making it a great choice for frequent shoppers.

SBI FBB StyleUP Credit Card

Annual Fees
₹499 + GST
Renewal Fees
₹499 + GST

Know More

SBI FBB StyleUP Credit Card

Benefits Launched in association with Fbb, a retail fashion store of Future Group, the SBI FBB StyleUP Credit Card is one of the best credit cards for shopaholics. The card is thoughtfully curated for frequent shoppers, particularly those who prefer shopping at Big Bazaar and its partner stores. This co-branded credit card promises to make your shopping experience enjoyable by offering great discounts and accelerated reward points on every spend.

SBI BPCL Octane Credit Card

Annual Fees
₹1499 + GST
Renewal Fees
₹1499 + GST

Know More

SBI BPCL Octane Credit Card

Benefits The BPCL SBI Card OCTANE is a premium fuel credit card by SBI which is launched in collaboration with the Bharat Petroleum Corporation Limited. The card comes with an exclusive range of features and benefits across different categories which include fuel, shopping, travel, reward points, and milestone benefits. With this SBI credit card, you can get a value back of 7.25% on fuel transaction made at select Bharat Petroleum Gas stations. This, besides, the card gives 10x accelerated rewards on multiple categories such as groceries, dining, movies, and a lot more.

ICICI Bank Credit Cards

ICICI Coral Visa Credit Card

Annual Fee
₹500 + GST

Know More

ICICI Coral Visa Credit Card

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.

ICICI Expressions Credit Card

Annual Fee
₹500 + GST

Know More

ICICI Expressions Credit Card

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.

ICICI HPCL Credit Card

Annual Fee
₹199 + GST

Know More

ICICI HPCL Credit Card

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.

ICICI MMT Platinum Credit Card

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

Know More

ICICI MMT Platinum Credit Card

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.

ICICI MMT Signature Credit Card

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

Know More

ICICI MMT Signature Credit Card

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.

ICICI Manchester United Platinum Credit Card

Annual Fee
₹499 + GST

Know More

ICICI Manchester United Platinum Credit Card

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.

ICICI Manchester United Signature Credit Card

Annual Fee
₹2,499 + GST

Know More

ICICI Manchester United Signature Credit Card

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.

ICICI Platinum Visa Credit Card

Annual Fee
₹Nil + GST

Know More

ICICI Platinum Visa Credit Card

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.

DBS Bank Credit Cards

Bajaj Finserv DBS Bank 5X Rewards Credit Card

Annual Fee
₹499 + GST

Know More

Bajaj Finserv DBS Bank 5X Rewards Credit Card

Short-term Benefits Get welcome bonus of 2,000 Cash Points on the first transaction. On every ₹200 spent, get 2 Cash Points and multiply these Cash Points 5X every month, on crossing spends worth ₹10,000. Enjoy 10X Cash Points when you purchase on DBS Delights.
Long-term Benefits On spends of ₹50,000 in a year, enjoy annual fee waiver. Additionally, you can also get benefits of the Bajaj Finserv Health Prime Membership using the Bajaj Health app. Receive 5% cashback on making down payments of No Cost EMI loans at either the EMI marketplace or any Bajaj Finserv Network Partner Stores.

Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card

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

Know More

Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card

Short-term Benefits Get welcome bonus of 4,000 Cash Points on the first transaction. On every ₹200 spent, get 2 Cash Points and multiply these Cash Points 5X every month, on crossing spends worth ₹10,000. Enjoy access to 1 domestic airport lounge every quarter.
Long-term Benefits On spends of ₹75,000 in a year, enjoy annual fee waiver. Additionally, you can also get benefits of the Bajaj Finserv Health Prime Membership using the Bajaj Health app. Receive 5% cashback on making down payments of No Cost EMI loans at either the EMI marketplace or any Bajaj Finserv Network Partner Stores.

Eligibility & Documentation

1. Eligibility Criteria

Depending on the issuer’s policy and the type of credit card you wish to apply for, the eligibility criteria may 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 needs to be ₹1.8 Lakhs
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

2. 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: Driving licence, Passport, ration card, Voter’s ID, Aadhaar 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, or bank statements of the previous six months.

How to Apply for a Credit Card

To apply for a credit card on Bajaj Markets, all you need to do is a quick and easy process:

Step 1: Visit the Bajaj Markets website, go the cards section and click on “Apply – Credit Card”
Step 2: Enter your contact information
Step 3: Submit the OTP received on your mobile phone
Step 4: Browse through the ‘credit card’ section on our page to compare various credit cards
Step 5: Choose the credit card that best suits your needs
Step 6: Check if you have an offer on a credit card
Step 7: If you have an offer, avail of your credit card
Step 8: If you do not have any offer, fill in the personal details
Step 9: Our representative will contact you to take your application process further

Types of Credit Cards

On the basis of the features they offer, credit cards are classified into various types. Listed below are the different types of credit cards that are currently available for you to opt from:

1. Shopping Credit Cards

Specially curated for the shopaholic in you, these credit cards offer great deals and discounts on shopping, both online and offline. Axis NEO Credit Card and SBI Prime Credit Card are some examples of this card that offer rewards, welcome gifts, and various other privileges.

2. Travel Credit Cards

To satiate the traveller in you, travel credit cards are your best bet. They let you enjoy offers, discounts, flyer miles and cashbacks on hotel accommodations and travel ticket bookings. One such example of a travel credit card is the IRCTC SBI RuPay Card.

3. Fuel Credit Cards

If you own a vehicle, these credit cards are a great way to save up on fuel expenses. They let you earn reward points and get waivers on fuel surcharge. An example of a fuel credit card is the IndianOil Axis Bank Credit Card.

4. Lifestyle Credit Cards

These credit cards are well-suited to accommodate your changing lifestyle trends. Lifestyle cards provide exclusive privileges on dining, travel, golfing and so on. The SBI PULSE Card is an example of a lifestyle credit card.

5. Entertainment Credit Cards

These credit cards cater to your entertainment needs. They provide you with reward points and cashbacks on booking shows, events and movie tickets. One such example of an entertainment card is the Bajaj Finserv RBL Bank Binge SuperCard.

6. Secured Credit Cards

If you do not have a good credit score, you can opt for secured credit cards that are generally issued against your FD. These cards will help you practise financial hygiene through timely payments and allow you to improve your credit score.

7. Contactless Credit Cards

Contactless credit cards help you carry out transactions through a mere tap. These cards do not ask for a PIN on every purchase you make, thus facilitating a secure and convenient mode of payment. The ICICI Bank Coral Credit Card is one such example.

Latest Credit Card News

Axis Bank Users Can Now Use RuPay Credit Cards on UPI

After several other banks launched their RuPay cards on the UPI network, Axis Bank now becomes the sixth bank to do so. Users can make use of RuPay credit cards at merchant outlets to pay using UPI. This will allow users to acquire reward points on their credit card transactions.

Axis Bank’s President and Head of Cards and Payments, Sanjeev Moghe, said that with over 250 million customers making use of UPI for their payments, linking RuPay cards to UPI will result in an increase in the acceptance of credit cards.

- May 16, 2023

SBI to Integrate its RuPay Credit Cards with UPI

India’s second largest credit card issuer, SBI, intends to soon link its RuPay credit cards with UPI. Since almost 11% of SBI’s portfolio consists of RuPay cards, this move could be disruptive. CEO and MD of SBI cards, Rama Mohan Rao Amara believes that the additional income from large spends through credit cards on UPI will be higher than the loss incurred through small-size transactions.

Presently, customers prefer UPI to make low-value transactions and credit cards for high-value transactions. However, with the integration of RuPay cards with UPI, this trend could change.

- May 16, 2023

Kisan Credit Cards Issued to Over 2.36 Lakh MP Farmers in 2023

Prem Singh Patel, the Minister of Animal Husbandry and Dairy, said that above 2.36 Lakh Kisan Credit Cards have been issued to Madhya Pradesh farmers this year. A working capital of ₹2 Lakhs is made available for animal husbandry by primary agricultural credit co-operative societies under the KCC scheme at 0% interest. The state government offers 1% normal and 4% added interest subsidy on making timely payments.

The extension of Kisan Credit Cards to fishery and animal husbandry farmers for their working capital needs will be carried out by the central government, says Mr. Patel. Individuals already using the card, will get a ₹3 Lakh limit while new users will get a ₹2 Lakh limit for animal husbandry activities. As per the Union Ministry of Dairy, Animal Husbandry and Fisheries, all credit card users will get 2% yearly interest subsidy and 3% added interest subsidy on making timely payments.

- April 28, 2023

Moving UPI Customers to Credit Card Will Be an Easy Switch, Says HDFC Bank

Parag Rao, the Country Head of Payments Business, Digital Banking, Marketing and Consumer Finance at HDFC Bank, said the move from UPI to credit cards will be an easy one.

Billions of transactions are carried out on UPI every month. Tech savvy individuals understand such payment modes and this will act as a funnel for an increase in future credit card business. In the upcoming years, electronic payments will penetrate into personal consumption expenditure and result in market expansion. This will also lead to the symbiotic growth of credit cards alongside UPI, says Mr. Parag Rao.

- April 28, 2023

RBI Issues New Guidelines on the General Credit Card Scheme

On April 25, 2023, RBI introduced new guidelines pertaining to the General Credit Card (GCC) scheme. The GCC scheme covers credit cards like Laghu Udyami Card, Weaver’s Card, Artisan Credit Card, Swarojgar Credit Card, etc. These cards cater to the credit needs of non-farm entrepreneurs. Under this scheme, banks are liable to report the extension of such cards.

As per the new guidelines, the GCC scheme will be referred to as the General Credit Card Facility. Each bank’s GCC scheme has to be aligned with the guidelines of the RBI. The terms and conditions of the scheme have to be on par with RBI’s framework and the policies approved by the banks’ board. Entities or individuals that are sanctioned such working capitals for non-agricultural entrepreneurial activities classified under the guidelines of the priority sector, can get General Credit Cards.

- April 28, 2023

About Credit Cards Services

Credit Cards Partners at Bajaj Markets

Non Partners Credit Cards

FAQs on Credit Card

✔️What is a Credit Card?

A credit card is a financial instrument offered by Banks and NBFCs that allows you to make cashless payments without having to pay the upfront cost.
✔️How can I get a credit card online?

To get an instant credit card online, visit the official Bajaj Markets website. Then, enter your contact details and submit the OTP. Check out the list of credit cards on offer and compare their features.

If offers are not available, fill in your personal details. A representative will contact you to take your application process further.
✔️What is the credit card balance?

The credit card balance is the total outstanding that you owe to your card issuer. It is calculated based on factors like 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 can I use a credit card?

A credit card can be used online as well as offline to make purchases. When paying for purchases online, 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. Finally, click on ‘Pay’ and once redirected, you must authenticate the payment by entering the OTP sent to your registered mobile.

On the other hand, when you use a credit card to pay for your purchases offline, you would need to either swipe or insert it. The PoS machine will then ask you to enter the PIN (personal identification number) to authenticate the transaction.

In case you have a contactless credit card, you can simply tap the card against the card reader to complete the transaction.
✔️How can I 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 bill via cash or cheque at your nearby bank branch.
✔️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) to get a credit card.

Moreover, you should be a resident of India or a non-resident Indian (NRI) and must have a good credit score. You must also fall within the set income bracket to apply for a credit card. You can check the credit card eligibility for different cards on Bajaj Markets.
✔️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. It also informs you about credit card reward points, applicable fees and charges, etc.
✔️What are the different types of credit cards?

Some of the popular types of credit cards are travel credit cards, fuel credit cards, co-branded credit cards, lifestyle credit cards, etc.