Apply for 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.

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.