Credit Card
A credit card is a financial instrument that allows you to make instant cashless transactions. When using a credit card, you are borrowing money from your bank or NBFC that must be paid back within a stipulated time period. You can repay your credit card dues in full or choose EMI payment options. You can also use a credit card for purchasing goods and services, or for making online credit card payments for utilities or paying mobile phone bills. When you make credit card purchases online or offline, you receive a number of incredible rewards, cashbacks and other perks offered by the card provider. You can apply for a credit card online from the comfort of your home.
How to Apply for a Credit Card Online
Applying for the best credit card online on the Bajaj Markets website is pretty easy. You can follow the below-mentioned steps to successfully complete the process:
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 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.
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
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
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
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
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
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
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
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.
Bajaj Finserv RBL Bank Binge SuperCard
- Joining Fee
₹999 + GST
- Annual Fee
₹999 + GST
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
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.
Axis Bank Credit Cards
MY ZONE Credit Card
- Joining Fee
₹500 + GST
- Annual Fee (2nd year onwards)
₹500 + GST
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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.
Citibank Credit Cards
Citibank Cash Back Credit Card
- Joining Fees
₹500 + GST
Citibank Cash Back Credit Card
- 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.
Citibank Rewards Credit Card
- Joining Fees
₹1000 + GST
Citibank Rewards Credit Card
- 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.
Citibank Premier Miles Credit Card
- Annual Fees
₹3000 + GST
Citibank Premier Miles Credit Card
- 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.
Citibank IndianOil Credit Card
- Annual Fees
₹1000 + GST
Citibank IndianOil Credit Card
- 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.
ICICI Bank Credit Cards
ICICI Coral Visa Credit Card
- Annual Fee
₹500 + GST
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
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
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
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
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
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
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
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
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
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 & Documention
1. 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.
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: 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.
Welcome Offers
Whenever you apply for a credit card, most financial institutions offer a mix of bonus reward points, vouchers, and discounts on purchasing products from major brands. Banks and NBFCs provide these offers to new card applicants as a welcome bonus upon the issuance of the card.
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.
Cashback Benefits
Earn from the money you spend to increase your savings. 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. A certain percentage of the money spent is credited back to the account which helps you save money.
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.
Travel Benefits
These benefits are best for the travel bug in you. 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. Another important feature is the accumulation of miles called frequent flyer miles which helps you get discounts on your flight tickets.
Add-on Cards
Several banks offer 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. Some banks allow you to apply for up to 4 add-on cards.
Insurance Coverage
The comprehensive insurance coverage option is offered by several premium banks and NBFCs. You need to check with the bank regarding insurance when applying for a credit card. It provides cover against accidents, loss of baggage, passport theft, travel insurance, etc.
Balance Transfer
This feature allows you to transfer the balance of one credit card to another credit card with a lower rate of interest.
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. It makes travelling to a foreign country a hassle-free experience when it comes to making online/offline transactions using your card.
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 |
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. |
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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. |
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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. |
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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 |
|
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. |
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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 |
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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. |
Axis Bank SELECT credit card |
Why Apply for an Online Credit Card From Bajaj Markets
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 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 Bajaj Markets include:
Personal Loan Conversion
The cards available at Bajaj Markets 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 Bajaj Markets 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.
How to Choose the Right Credit Card for You
A credit card is a popular and convenient financial instrument for making cashless payments online or offline. It aids in building your credit profile and if managed wisely, it can help boost your credit score. The number of people using or applying for credit cards has been on the rise for the past few years. There are a plethora of credit cards available in the market designed to meet the needs of a variety of users.
Several factors such as bank charges, offers, terms & conditions, payment options, etc. need to be considered when applying for a credit card. You should evaluate your spending habits to choose the right credit card for you and save money by utilising discounts, reward points, and several offers from the bank.
Listed below are some of the major categories of credit card categories that will help you choose the right card for you as per your spending habits.
Travel Credit Card - A frequent traveller should look for a travel credit card that offers discounts, cashback, and reward points for travel-related expenses. Several co-branded credit cards for frequent flyers make the travel experience smoother with features such as priority boarding, lounge access at airports, cashback, etc.
Lifestyle Credit Card - This type of card is ideal for people who spend on entertainment activities like movies, dining out, etc. on a regular basis. It provides several features such as reward points, great discounts at restaurants, and free concierge service. Lifestyle cards tend to have a higher annual fee.
Shopping Credit Card - It is best suited for people who are constantly purchasing products such as electronic gadgets, clothes, jewellery, etc. on e-commerce websites. A shopping credit card lets you enjoy special offers on these websites.
Reward Points Credit Card- Several banks offer credit cards that provide higher reward points on every purchase. These reward points can be later redeemed to purchase a gift or your favourite items online.
Fuel Credit Card- The constant surge in fuel prices over the years has ensured that vehicle owners expend a lot of money on fuel. A fuel credit card from several major banks helps you save on fuel and allows up to a 3% surcharge waiver.
Cashback Credit Card - A cash back card is ideal for people who lead a basic lifestyle and use credit cards for basic expenses such as utility bills. It is similar to a reward points card and allows you to earn cash for the money you spend on your credit card.
Latest Credit Card News
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- Credit Card Settlement
- Credit Card Documents
- Credit Card Eligibility Criteria
- Credit Card EMI
- Features & Benefits of Credit Card
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- International Credit Card
- Credit Card Limit
- Loan on Credit Card
- Credit Card Lounge Access
- Credit Card Netbanking
- Credit Card Bill
- Credit Card Pin Generation
- Credit Card Reward
- Shopping Credit Card
- Check Credit Card Statement
- Types of Credit Card
- Credit Card Billing Cycle
- Credit Card Meaning
- Best Credit Card In India
- Amex Bank Credit Card
- Axis Bank Credit Card
- Bank of Baroda Credit Card
- Canara Credit Card
- Citi Credit Card
- HDFC Credit Card
- HSBC Credit Card
- ICICI Credit Card
- IDFC Credit Card
- Indian Bank Credit Card
- Indusind Credit Card
- Kotak Bank Credit Card
- LIC Credit Card
- PNB Credit Card
- RBL Credit Card
- SBI Credit Card
- South Indian Bank Credit Card
- Standard Chartered Credit Card
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- Yes Bank Credit Card
FAQs on Credit Card
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✔️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.
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✔️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.
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✔️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.
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✔️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.
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✔️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.
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✔️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.
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✔️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.
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✔️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.
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✔️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.
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✔️What are the different types of credit cards?
Credit cards can be broadly categorised into the following two categories:
Standard Credit Cards - Simple cards that offer basic features with no annual fees associated with them.
Specialized Credit Cards - These credit cards are designed to cater to your needs and offer great deals and benefits based on your spending habits.
Some of the popular types of credit cards are listed below.
Travel credit cards
Fuel credit cards
Co-branded credit cards
Business credit cards
Cashback credit cards
Entertainment credit cards
Credit cards for students
Credit cards for women
Premium credit cards
Lifestyle credit cards
