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

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 30 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!

Our Partners
RBL Bank
RBL Bank

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

Axis Bank
Axis Bank

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

SBI Card
SBI Card

SBI Card presents a wide range of credit cards designed specially to suit the financial needs of the cardholders. This exciting range of various Credit Cards is available on this platform and you can get them in just a few simple clicks.

ICICI Bank
ICICI Bank

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

DBS Bank
DBS Bank

DBS Bank offers you the DBS Bank 5X Rewards Credit Card and the DBS Bank 5X Plus Rewards Credit Card that provide you with a range of exclusive benefits such as multiplied returns, assured cash points, accelerated returns, and much more. You can now enjoy special offers on travel, membership, subscription, fee waivers and earn rewards on every purchase.

IndusInd Bank
IndusInd Bank

IndusInd Bank brings to you a range of premium credit cards with amazing lifestyle and travel benefits. These credit cards are easy to use and apply for. Get started on your application today to enjoy unlimited benefits!

Rupicard
Rupicard

Rupicard brings you one of India's best FD-backed credit card helps you build your credit score. From instant cash approval to an interest of up to 7% on your FD, this card offers multiple benefits in one.

YES Bank
YES Bank

This bank offers you major lifestyle perks to enhance your shopping, travelling, and other experiences. Its range of cards holds exciting rewards, cashback, discounts, and privileges for you.

AU Small Finance Bank
AU Small Finance Bank

The wide range of credit cards by this bank can give you a taste of exciting lifestyle, shopping, fuel, and travel perks. Apply for these lifetime-free credit cards now!

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 cardSBI CardRBL Bank credit cardDBS Bank credit card, IndusInd Bank credit card, and ICICI Bank credit card. Apply for a credit card online of your choice today!

SBI Credit Cards

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

Features and Benefits

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. 

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.

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.

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. 

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.

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

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. 

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

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. 

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. 

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.

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.

 

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 Finance 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. 

Read More

FAQs on 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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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