Credit Cards
A credit card is a piece of plastic or metal issued by a bank or financial services company, with a pre-set credit limit that is decided by the issuer on the basis of the customer’s eligibility and the former’s policies. In the absence of adequate funds in your account, you can use the limit on your credit card to pay for your purchases. You can then repay the amount spent on the card in full at the time of billing or opt for EMI payment option, if applicable. Additionally, credit cards also help to build a good credit score while letting you save through benefits such as rewards, cashback, discounts, and more.
Depending on your lifestyle and spending habits, you can choose from a number of credit card options such as shopping credit cards, business credit cards, secured credit cards, etc. If you are unaware of the various benefits available on these cards, the eligibility criteria for applying, or how to choose the right credit card, we have got all the answers for you!
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. Avail interest-free loan for up to 90 days.
- 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. Avail interest-free loan for up to 90 days.
- 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. Get interest-free loan for up to 90 days.
- 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. Avail interest-free loan for up to 90 days.
- 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). Avail interest-free loan for up to 90 days.
- 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. Avail interest-free loan for up to 90 days.
- 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. Get interest-free loan for up to 90 days.
- 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
- 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 ₹Rs.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 ₹Rs.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 ₹Rs.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 ₹Rs.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 ₹Rs.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 ₹Rs.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.
Personal Loan Conversion
Credit Cards available at Finserv MARKETS allow you to avail a personal loan against your cash limit. Also, you can repay this amount in easy EMIs!
Convert Purchases into EMIs
Purchases through any Credit Card available at Finserv MARKETS can be converted into EMIs easily. Apply for a credit card online today.
Stringent Security Measures
You credit card comes pre-equipped with all the safety measures to tackle any kind of fraud. Apply online and avail the best credit card for you now!
Cash Withdrawal Without Interest
You can now withdraw cash whenever you need using your Credit Card, that too interest-free! Avail this benefit against a minimal processing fee.
Discounts & Rewards
Avail BIG savings annually when you use your Credit Card. Why wait? Go online and apply today with a paperless application process! If you are student, then you can apply for a Student Credit Card and avail exciting offers.
How to Apply for a Credit Card?
Applying for a new credit card on the Bajaj MARKETS website is pretty easy and quick. You can follow the below-mentioned steps to apply for credit card online:
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 credit 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 credit card of your choice.
Step 6: Submit your credit card application form to initiate the credit card apply online process.
Credit Card Eligibility & Documents Requirement
Credit Card Eligibility to Apply for a Credit Card:
Depending on the issuer’s policy and the type of credit card you wish to apply for, the eligibility criteria may slightly differ. However, the basic credit card eligibility can be summed up as follows:
Age: The minimum age for applying for a credit card is 18 years.
Residence: You must be a resident of India or a non-resident Indian (NRI).
Income: The minimum annual income to apply for credit card is ₹1.8 lakh.
Credit Score: A credit score of 700 or above is considered ideal. In the absence of a good credit score, credit cards can be availed against your income and savings. You can also opt for a secured credit card issued against a fixed deposit.
Documents Required to Apply for a Credit Card:
The following documents are necessary when initiating the credit card apply online process:
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 ID, Aadhaar card, Driving licence, Ration card, Property documents, Lease/rent agreement, Utility bills of the last three months.
Identity Proof: Form 16, Income tax returns, Salary slips of the last three months, Bank statements of the previous six months.
Credit Card Features and Benefits
EMI Conversion
One of the best features of a credit card is the EMI process, wherein you can convert the cost of purchases into easy EMIs. The amount you would need to pay as EMI would depend on the rate of interest charged by the bank, the loan tenor, and also the down payment.
Attractive Rewards
Credit cards offer attractive reward points based on the type of spends, cost of purchase, and credit 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 online 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 add to your credit history and help you maintain a good credit score.
Airport Lounge Access
One of the most sought-after features of a credit card is airport lounge access. Some of the most prestigious credit cards also double as lounge access credit cards to offer you the benefit of resting, eating, and unwinding in a relaxed lounge setting while you wait for your next flight.
Credit Card Fees and Charges
The fees and charges applicable on credit cards tend to vary from one card to another. As a result, the type of credit card you choose and the way you use it will decide the expenses you are likely to incur. Some common fees and charges that can be levied on a credit card are mentioned below:
Annual Fees
In case yours is not a lifetime-free credit card, the bank will charge you an annual fee for owning the card. The fee is added to your bill automatically.
Interest/Finance Charges
The interest rate is the charge you have to pay against the outstanding balance on your credit card if you fail to clear the dues by the due date.
Late Fee
A late fee is charged only when you fail to pay the minimum due amount in time. This is especially critical when getting credit cards for first-time users as delays or failures in paying the minimum pending amount can negatively affect the credit score.
International Transaction Charges
Such charges are levied when you use your credit card for making transactions abroad.
Overlimit Charges
These charges are levied when the card expenses are over the stipulated credit card limit.
Credit Card Offers and Reward Programs
Purchasing items or services using a credit card can earn you rewards as an added advantage on every transaction. These credit card reward points can be collected and redeemed for purchasing merchandise, securing air miles, getting gift vouchers, getting discounts or other benefits. You can also enjoy attractive credit card offers across a range of categories such as travel, shopping, dining, entertainment, healthcare, fitness, etc. It is important to note that credit card offers are at the discretion of the issuing authority and tend to vary from bank to bank.
Types of Credit Cards
Depending on the features offered, credit cards can be classified into different types. If you are wondering ‘Which is the best credit card for me?’, below listed are details about various credit card types available in the market with examples.
Type |
Description |
Top Cards |
A shopping credit card is designed for frequent shoppers. While some shopping credit cards provide deals and discounts for shopping online, others are designed for in-store shopping. Further, there are co-branded shopping credit 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 credit card for frequent travellers. The features and benefits offered on travel credit cards 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 by travel credit cards. Most travel credit 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 credit card to get if you own a vehicle; these cards allow you to enjoy significant savings on your fuel expenses. The top credit card issuers bring you some of the best fuel credit cards in the country. Fuel credit cards give you more 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 usually 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. |
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Business credit cards are offered to employees for the tenor of their employment to make business-related transactions. This may include hotel stays, flight bookings, etc. As a result, employers can take stock of the expenses and manage them better. Personal transactions are strictly prohibited on such cards. |
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Rewards Credit Card |
Reward credit 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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Secured credit 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 in the future |
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Why Apply for a 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 credit cards across popular banks - Axis Bank, State Bank of India, Citibank, ICICI Bank, and RBL Bank, which offer you a wide range of offers and initiate the credit card apply online process. Some of the key reasons why you should apply for credit card online at Bajaj MARKETS include:
Personal Loan Conversion
Credit Cards available at Bajaj MARKETS allow you to avail a personal loan against your cash limit. Also, you can repay this amount in easy EMIs!
Convert Purchases into EMIs
Purchases through any Credit Card available at Bajaj MARKETS can be converted into EMIs easily.
Stringent Security Measures
Your credit card comes pre-equipped with all the safety measures to tackle any kind of fraudulent activities.
Cash Withdrawal Without Interest
You can now withdraw cash using your Credit Card anytime, that too interest-free! Avail this benefit against a minimal processing fee.
Discounts & Rewards
Avail BIG savings annually when you use your Credit Card. Why wait? Go online and apply today with a paperless application process! If you are a student, then you can apply for a Student Credit Card and avail exciting offers.
There are multiple Credit Cards available across various banks today. These include cards that provide assured welcome gifts, exclusive benefits to shoppers, extra miles along with airport lounge access to frequent flyers and huge discounts on movie tickets to the movie buffs. Moreover, you can always rely on a Credit Card to help you purchase items you have kept in your wishlist for a long time without having to pay the entire sum upfront.
Bajaj MARKETS is a financial marketplace that gives you access to a range of credit cards, along with their features, benefits, fee details, and latest offers- everything at one place. You can choose from among a curated list of handpicked Credit Cards, across popular banks- Axis Bank, State Bank of India, Citibank, ICICI Bank and RBL Bank, which offer you a wide range of offers. These cards allow you to pay your utility bills conveniently; get discounts at partner restaurants in India, avail benefits like emergency credit and pay through easy EMIs on purchases with excellent reward points on milestone spends, and more such advantages. Also, on Bajaj MARKETS you get the benefit of fast credit card approval, irrespective of if it’s your first-time credit card application, owing to the all credit card apply online process. Browse through the list and select the best credit card to apply online.
Latest Credit Card News
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✔️What is a Credit Card?
A credit card is a financial instrument that can be used to make purchases on borrowed credit. The money spent can be paid later in full or using the credit card EMI option. Credit cards also offer other benefits such as rewards, cashback, etc. You can apply for 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 are the benefits of a credit card?
An instant credit card from Bajaj MARKETS comes with various benefits. These include:
Huge reward points with almost every transaction
Personal loan against the unutilised credit limit
Guaranteed annual savings
Easy conversion of big-ticket purchases into manageable EMIs
Improved CIBIL score with timely repayments
Convenient ATM cash withdrawals
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✔️What is the eligibility to get a credit card?
Different credit cards come with different eligibility criteria. However, the basic eligibility criteria which you must consider before applying for a credit card is:
Age - Between 18-65 years
CIBIL Score - at least 700 and above
Applicant must be a resident of India or an NRI
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✔️What is a credit card statement?
A credit card statement is the documentation of all transactions that you make on your credit card during a specific billing cycle. It also carries other crucial details related to your card such as the total amount due and minimum amount due for a billing cycle, payment due date, available credit limit, current billing cycle’s opening and closing balance, reward points earned/not redeemed, etc. A credit card statement can easily be accessed both online and offline.
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✔️What is credit card balance?
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. Credit card balance is equivalent to the outstanding amount and is inversely related to the credit limit
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✔️What is the minimum amount due?
The minimum amount due on a credit card is the amount that you are required to pay for your credit card bill on or before the due date. Generally, the minimum amount due is calculated at 5% of the unpaid balance. Note that the minimum amount due is not a fixed amount and varies every month, depending on the purchases you have made using the card during that period.
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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:
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.
Click on ‘Pay’.
Once redirected, you would need to 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.
Credit Card Reviews
Easy to convert for EMI!
Finserv MARKETS offered me an RBL card. I've been using this card for the past ten months, and it's a free card for life. The credit limit of Rs. 55,000 is sufficient. EMI conversion is available, and I can convert by mobile app at any time for a small fee. This card serves as a general purpose card for me. I earn points based on my consumption, but I have yet to redeem them.
Anju James
Posted on 03 Dec 21
Excellent service!
My RBL credit card from Finserv MARKETS has a credit limit of 40000 rupees, which is sufficient. If I spend more than 1 lakh in a year, the bank agent informs me that I will receive 1000 reward points. I used to pay my bills on time, which helped me keep my credit in good standing.
Mehak Jain
Posted on 03 Dec 21
Very good!
I've had my RBL credit card from Finserv MARKETS for 1.5 years, and it has a lot of retail, gas, movie ticket, and reward point incentives. The credit limit is one lakh, which is more than enough. I pay my bills through the bank because it is close by. I also use net banking, which works quite well.
Rajshree
Posted on 03 Dec 21
Great!
RBL Bank credit card was recommended by a friend, so I applied for it through Finserv MARKETS. This card offers EMI alternatives, and I receive credit card statements in the form of a soft copy. This card offers a 1+1 movie ticket offer on a monthly basis, and I use it for everything.
Meena Kumari
Posted on 03 Dec 21
Awesome!
The RBL credit card is extremely wonderful, and I've been using it for two years with no problems. The annual fee is Rs.499, however this fee will be waived if I spend more than 1L in the same year. The card also comes with a lot of bonus points. The credit limit was likewise Rs 60,000, which was exactly what I had hoped for.
Amanjeet Singh
Posted on 03 Dec 21
Good service!
SBI credit card has offers and reward points, but I have yet to redeem them; this is a domestic card with a credit limit of Rs 50,000, which is more than enough for my needs. My statement arrived on schedule. This card was used for personal reasons. The card is really easy to use.
Komal Dutta
Posted on 03 Dec 21
Awesome!
I've had my SBI credit card for over three months, and it comes with certain reward points and offers. This card was used for online shopping, gas surcharges, and grocery purchases. The credit limit on the card is adequate, and what I enjoy best about it is that it is a lifetime free card that is quite convenient to use.
Bhishma Singh
Posted on 03 Dec 21
Worth it!
I've had my SBI credit card for approximately two months, but I haven't had the opportunity to review the card's offerings. The card's limit is 38000 points, and I'm happy with that because it's a free card for life. My card statement was always delivered on schedule, and my online banking was also quite reliable.
Suraj Tripathi
Posted on 03 Dec 21
Good enough!
For the past 3-4 years, I've been using the SBI credit card. It's a really convenient card, and it has the potential to improve my credit score. The credit limit is Rs.37,000, which is insufficient; nevertheless, this card offers extra benefits if I shop online through e-commerce sites.
Harshul Gupta
Posted on 03 Dec 21
Blown away!
SBI processed everything in a fairly basic manner, and then an executive arrived and completed the process. I'm not thrilled with my credit limit, which is very low, and I need to boost it. Annual fees are Rs. 499, and if I spend Rs. 20k in 2 months, I will receive 500 rs in reward points. Those points may be converted into cash back, which I use to pay my bills, and if I spend Rs. 1Lakh in a year, it's a free card from the second year onward.
Shivansh Khare
Posted on 03 Dec 21
Awesome!
For the past three years, I've had an Axis bank credit card; it's a free card for life, so I applied through the bank. I've learned everything I need to know about the card from the representative. I used to get a 10% discount on gas and groceries. I used to pay my expenses through the bank, and the card's limit is Rs. 45000. I also take use of their superb online banking service.
Anurag Bawani
Posted on 03 Dec 21
Nice card!
This is an Axis Bank Flip card, and I'm earning extra reward points, which I'm converting into Indian rupees immediately from my account, at a rate of 5% on all transactions. I like the credit limit, and this card offers EMI options, as well as good customer support.
Gautam Pandey
Posted on 03 Dec 21
Best card!
Because an Axis bank representative called me directly, I applied for this credit card in my personal name. The customer service was excellent, and the credit limit was adequate. The limit is good; they gave me twice my income. I use this card for everything.
Ankit Verma
Posted on 03 Dec 21
Happy!
This is an Axis Bank privilege credit card, which I applied for through a different route. I received a soft copy of my credit card statement. It's a travel card that I use to purchase airline tickets and receive airline discounts; it's quite beneficial.
Ritvik Verma
Posted on 03 Dec 21
Satisfied!
Because I have an Axis bank account, the banker has offered me a credit card. I received my card on time and without any problems. The bonus points are excellent. This card was used to make an online payment. I have another card from the same bank, but it has a different version, and generating a pin was a difficult procedure; I hope the bank would look into it.
Archit Saxena
Posted on 03 Dec 21
Good enough!
For the past year, I've been utilising an Axis Neo card. It's a free card for life, and the credit limit is adequate. They just recommended an increase, but I declined. Their service is excellent, and their prices are competitive. I use it for internet shopping because there aren't many deals on this card.
Rishabh Gandhi
Posted on 03 Dec 21
Good!
CITI has provided excellent discounts and advantages for the past two months. As a result, I chose this card and applied online. It is a 500 rupee annual fee, but there is a waiver option if I spend Rs 30K within a year. The credit limit is set at Rs. 65,000. This card is eligible for EMI conversion.
Ajay Singh
Posted on 03 Dec 21
Best card!
CITI Bank provides excellent customer service and consistently ranks first in response times. They gave me a Rs. 1 lakh credit card, which I have used extensively for shopping, dining, EB bill payment, rent payment, and the e-commerce vouchers I receive on a monthly basis.
Jitender Das
Posted on 03 Dec 21
Worth it!
I applied for a CITI card online and submitted all of my documentation online, as well as having a bank agent come and collect the hard copy of my documents. I received the card in a timely manner. The processing fee and other charges were reasonable. The card's only value is that I can use it to get a discount at a gas station.
Harshit Walia
Posted on 03 Dec 21
Happy!
The CITI has suggested a cost of 1000 rupees each year, but I can get it waived if I spend Rs. 30,000 in a year. I received a call on schedule, the process went smoothly, and I had the card and package within 6 working days. The credit limit is adequate, and I earn reward points dependent on how much I use it. I get reward points and cash back, which is great. Conversion to EMI is possible.
Ranveer Brar
Posted on 03 Dec 21
Big Savings on Fuel
With sky-rocketing fuel prices, I needed a Credit Card that could help me save on this ever increasing expense of mine. The INDIANOIL AXIS BANK Credit Card was just what I needed. Helped me save big-time.
Anurag Nainani
Posted on 09 Dec 19
All-rounder Card
Choosing the MY ZONE Card was a very good decision as I got many vouchers with it! Plus the online process of applying for this Credit Card on Finserv MARKETS was very smooth. Highly recommended if you are looking for an all-in-one card.
Mohit Pandit
Posted on 08 Mar 20
Best Card for Savings on Fuel
I have been using the INDIANOIL AXIS BANK Credit Card for quite some time now and I must say this is your go-to card if you are looking to save on your fuel expenses. I was also extremely satisfied with Finserv MARKETS portal as my application got approved in just a few clicks.
Roshni
Posted on 10 Jan 20
Great Offers!
I have the NEO Credit Card and it has proved to be a complete all-rounder for me! I got discounts on shopping, movie tickets, and it was extremely easy to convert my spends into smaller EMIs. Applying on Finserv MARKETS was very simple. I am totally satisfied with this card.
Kunal Mishra
Posted on 11 Mar 20
Quick & Easy Process
I have taken MY ZONE Credit Card from Finserv MARKETS. I have just started using it and the best part is that I got an approval real quick and the application was very easy to fill.
Manoj
Posted on 3 Apr 20
Quick & Easy Process
Getting a credit card on Finserv MARKETS was very easy. The product information provided was very useful. The process took just a few minutes and i was able to successfully apply for the card of my choice without any hassle.
Sachin Dave
Posted on 13 Apr 20
All-rounder Credit Card
I got my Bajaj Finserv RBL Bank Credit Card two months ago and it has been a great experience. I get my card statement on time. I use this card for online shopping, groceries and for many other personal purchases.
Jayesh Kumar
Posted on 10 May 20
Amazing Offers
I have used credit card from Bajaj Finserv RBL Bank for 1 year. Lots of offers are available with the card. This card was suggested to me by my colleague.
Aakash Jain
Posted on 08 May 20
