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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
This feature allows you to transfer the balance of one credit card to another credit card with a lower rate of interest.
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.
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.
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.
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.
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.
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.
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
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
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:
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!
Purchases on cards available at Bajaj Markets can be easily converted into EMIs.
The cards are pre-equipped with topnotch safety measures to tackle any kind of credit card fraud.
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.
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.
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.
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.
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.
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.
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.
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.
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), 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.
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.
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
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