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!
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 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 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 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 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 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!
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 Card, RBL Bank credit card, DBS Bank credit card, IndusInd Bank credit card, and ICICI Bank credit card. Apply for a credit card online of your choice today!
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
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.
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
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:
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.
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.
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.
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.
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.
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.
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.
A credit card and a debit card differ from one another in various aspects. Here is a brief list of the differences between credit card and debit card:
When you use a credit card, you essentially borrow money. The credit card company pays on your behalf and the dues have to be repaid at a later, predetermined date. However, when you use a debit card, you use existing funds from your bank account.
Since credit cards come with a limit, your usage is restricted to a predetermined credit limit. On the other hand, there are no such limits with debit cards, and your usage is restricted only by the amount that you hold in your bank account.
With credit cards, you will have to repay the amount that you borrowed on or before the stipulated due date. However, since debit cards use existing funds, you don’t have to make any repayments.
If you don’t pay your credit card dues within the stipulated due date, you will be liable to pay a penalty and an interest on the unpaid amount. With debit cards, there are no such obligations.
Credit cards offer exciting rewards, offers, and discounts when you use them for purchases. Although debit cards also offer rewards, they are comparatively fewer.
Debit cards have no impact on your credit score. Credit cards, on the other hand, impact your credit score positively or negatively depending on how you use them.
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.