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Credit Card

Credit Cards

Fast Processing | Great Discounts & Offers | Easy EMI Facility

Overview

A credit card is a line of credit issued by a financial institution. It serves as an alternative to cash and comes with a pre-set credit limit, which depends on various factors. This allows you to pay for purchases using borrowed credit, even in the absence of adequate funds in your account. You can then go on to repay the amount spent on your card, in full, at the time of billing, or opt for the credit card EMI option. As long as you pay your bills in time, there are no penalties charged, and you can continue purchasing with ease. In addition to this, good credit cards also offer you benefits such as rewards, cashback, etc.

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.

Credit Card Partners

To help you enjoy the top free credit cards and paid credit cards, Finserv MARKETS has partnered with banks that offer some of the most prestigious cards. The financial marketplace gives you access to these top free credit cards and paid credit cards, along with their features, benefits, fee details, and latest offers- everything at one place. You can get the best credit cards for beginners, top premium credit cards, best free credit cards, best credit card for low income, best looking credit cards and even the easiest credit cards to get one’s hands on. Compare amongst India’s top credit cards by popular banks in India- Axis Bank Credit Cards, SBI Credit Cards and RBL Bank Credit Cards, to understand that based on your needs, which is the best bank for credit cards. Browse through the most prestigious credit cards and select the top 5 credit cards suitable for you. You can then further take a look at the best credit card reviews and select the best credit card to use on an everyday basis. Be it shopping benefits or travel discounts, fuel credits or lifestyle rewards; we have just the right credit card in store for you!

Bajaj Finserv RBL Bank Credit Cards

Platinum Choice SuperCard

  • Joining Fee
    ₹499 + GST
  • Annual Fee
    ₹499 + GST
Know More

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 ₹ 3,000 through easy EMIs.

Platinum Choice First Year Free SuperCard

  • Annual Fee
    ₹499 + GST
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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 ₹ 3,000 through easy EMIs.

Platinum Plus SuperCard

  • Joining Fee
    ₹999 + GST
  • Annual Fee
    ₹999 + GST
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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 ₹ 3,000 through easy EMIs. Win 2 complimentary airport lounge access annually.

Platinum Plus First Year Free SuperCard

  • Annual Fee
    ₹999 + GST
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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 ₹ 3,000 through easy EMIs. Get 2 complimentary airport lounge access once a year

World Prime SuperCard

  • Joining Fee
    ₹2,999 + GST
  • Annual Fee
    ₹2,999 + GST
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World Prime SuperCard

  • Short-term Benefits
    Get welcome bonus of 12,000 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. Avail 1+ 1 movie ticket on BookMyShow once a month. Get 5% cashback on down payment using SuperCard. Get 4 complimentary airport lounge access once a year. Enjoy exclusive reward programs on offline and online spends. Get monthly Fuel surcharge waiver. Pay for expenses above ₹3,000 through easy EMIs.

World Plus SuperCard

  • Joining Fee
    ₹4,999 + GST
  • Annual Fee
    ₹4,999 + GST
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World Plus SuperCard

  • Short-term Benefits
    Get welcome bonus of 20,000 reward points. Avail interest-free loan for up to 90 days.
  • Long-term Benefits
    Get interest-free cash withdrawal for up to 50 days. You can make down payments using SuperCard reward points. Enjoy the offer 1 + 1 movie ticket on BookMyShow once a month. Avail 5% cashback on down payment using SuperCard. Get 8 complimentary airport lounge access once a year. Enjoy exclusive reward programs on offline and online expenses. Get monthly Fuel surcharge waiver. Pay for expenses above ₹ 3,000 through easy EMIs.

Doctor's SuperCard

  • Joining Fee
    ₹999 + GST
  • Annual Fee
    ₹999 + GST
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Doctor's SuperCard

  • Short-term Benefits
    You can opt for an interest-free loan for up to 90 days. You also get a welcome bonus of 1,000 reward points.
  • Long-term Benefits
    Offers professional indemnity insurance up to Rs. 20 Lakhs. Moreover, get an insurance premium waiver on professional indemnity cover on expenses above Rs. 3.5 Lakhs. Get interest-free cash withdrawal for up to 50 days. You can make down payments using SuperCard reward points. Enjoy the offer 1 + 1 movie ticket on BookMyShow once a month. Avail 5% cashback on down payment using SuperCard. Get 4 complimentary airport lounge access once a year. Enjoy best-in-class reward programs on offline and online expenses. Get monthly Fuel surcharge waiver. Convert your expenses above ₹ 3,000 in easy EMIs.

Bajaj Finserv RBL Bank Shop Smart SuperCard

  • Joining Fee
    ₹499 + GST
  • Annual Fee
    ₹499 + GST
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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 ₹ 3,000 in easy EMIs. Enjoy annual savings of more than Rs. 5000. 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
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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. 9,000. Get interest-free cash withdrawal for up to 50 days. Convert your expenses above ₹ 3,000 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
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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 ₹ 3,000 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
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MY ZONE Credit Card

  • Benefits
    The MY ZONE Credit Card is an all-rounder when it comes to offers! You get 25% cashback on movie ticket purchases, complimentary airport lounge access and fuel surcharge waiver and much more!

NEO Credit Card

  • Joining Fee
    ₹250 + GST
  • Annual Fee
    ₹250 + GST
Know More

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
Know More

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.

How to Find the Best Credit Card?

Whether you are new to credit card mode of payment and are looking for your first credit card, or are an existing holder searching for a new credit card, the question that usually pops up is “which is the best credit card for me?” To ensure that you get your hands on the best first credit card/ best starter credit card or simply the best new bank credit card, take a look at the types of credit cards, their features and the best way to use a credit card.

Types of Credit Cards

Shopping Credit Card

A Shopping Credit Card is designed for frequent shoppers and is the easiest credit card to get approved for. 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 provide offers and rewards on specific brands or stores. Getting a shopping credit card new account is relatively easy and affordable. It involves a starting annual fee of Rs.500 only. These are great credit cards for enjoying benefits such as welcome gifts, reward points, deals and discounts, etc.

Travel Credit Card

This is the best value credit card for frequent travellers. The features and benefits offered on the 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 of the Travel Credit Cards are co-branded cards offered in collaboration with the card issuer and an Air Carrier or Travel Website. The annual fee of the cards ranges from Rs.500 to Rs.5,000 depending on the benefits they offer.

Lifestyle Credit Card

A lifestyle credit card is one of the most powerful credit cards and is considered an “All-in-one” credit card that provides you with privileges across categories. From shopping to travel, cashback & rewards, entertainment to dining, you get to enjoy best credit card rates, exclusive credit card offers and discounts on most of them. The most valuable credit cards usually come with a high annual fee and joining fee, which is worth spending for the privileges offered by most of these cards.

Fuel Credit Card

This is the best credit card to get if you own a car. Fuel Credit Cards are recommended credit cards if you are looking 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 value back benefits. This enables you to keep your fuel expenses under check.

Credit Card Fees and Charges

Different Credit Cards have different fees and annual charges which you need to check before making a decision on choosing the correct type of Credit Card for you. Some fees that can be levied on a credit card are mentioned below-

Card Fees and Charges

Annual fees

In case your credit card is not a free credit card, the annual fees is a charge that you have to incur for owning the card. On a yearly basis, the fee is added to your bill automatically.

Late Fee

A late fee is charged only when you fail to make the minimum due payment, in time. This is especially critical to keep in mind while getting credit cards for first time users. Delays or failures in paying the minimum pending amount can affect the credit score.

Other Fees

These are fees charged on your credit card, apart from annual and late fees, such as charges levied for exceeding your credit limit or other issues like returned cheques.

Why get a Credit Card from Finserv MARKETS

Credit Card

Why choose Finserv MARKETS for 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.

Benefits of Having a Credit Card

  • EMI Conversion

    One of the best features offered by Credit Card companies is that you can convert your amount due into easy EMIs. EMI on credit cards works in an extremely simple manner. If you are purchasing a product which is more than Rs.10,000, for example, an electronic appliance, furniture, vehicles, etc. You can convert it to an EMI. The EMI amount depends on the rate of interest charged by the bank, your preferred tenures and also on the down payment which you pay. If for example, you have purchased a phone worth Rs.20,000 and pay Rs.10,000 as a down payment. The rest Rs.10,000 can be paid as EMIs for a period of 1 year with an interest of 12%. The EMI you will need to pay for 12 months will be Rs.1,200.

  • Attractive Rewards

    Credit cards offers attractive reward points basis the spends, card type and welcome bonus. Customers can redeem these reward points to make down payment at multiple partner stores both online & offline. Also, you can redeem these reward points to avail discounts, gift vouchers, movie tickets, fuel surcharge waiver etc.

  • Boost Your CIBIL Score

    Every online credit card bill payment you make on your credit card is reported to credit information companies like which regularly maintain and update credit scores of individuals from time to time. Regular bill payment helps you maintain a good score.

  • Airport Lounge Access

    One of the most talked about features is complimentary Lounge Access. With premium lounge access, you can get spoiled with luxury environment to rest your mind, have complementary snacks, a quick shower, etc. choose from multiple lounge access cards on Finserv MARKETS.

Reward Programs

Purchasing items or services using a credit card can earn you rewards as an added advantage for every purchase. These points can be collected and redeemed for purchasing merchandise, securing air miles, getting gift vouchers, etc. 

Eligibility and Documents Required to Apply for a Credit Card

Eligibility

Age

The minimum age for applying for a credit card is 18 years. However, in the case of add-on cardholders, the minimum age, in most cases, is 12 years.

Residence

You should be a resident of India if you wish to apply for a credit card in the country. However, in case you are a Non-Resident Indian, you can be eligible for certain credit cards.

Income

You must have a steady income to apply for a credit card. Both salaried and self-employed individuals are eligible for the same. Usually, the minimum annual income for applying for a credit card is INR 2 Lakhs. The amount can vary depending on the requisite guidelines of the issuing authority.

Credit Score

It is easiest to get credit cards when you have a good credit score. In the absence of a credit score, a credit card can be availed using your current income. In case you have a low credit score, you can opt for a secured credit card which is issued against a fixed deposit.

Credit Card Documents (Any one of each)

Identity Proof

  • Passport

  • PAN card

  • Voter 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

Income Proof

  • Form 16

  • Income tax returns

  • Salary slips of the last three months

  • Bank statements of the previous six months

Best Way to Get a Credit Card

Applying and activating a new credit card is easy and can be done online on the Finserv MARKETS website. To apply for a credit card, you need to check out the best online credit card options, study their features and see if you are eligible for the latest credit card. If eligible, you can apply for a new online credit card by following the below-mentioned steps-

  1. Visit the official website of Finserv MARKETS
  2. Enter your personal information and contact details
  3. Check out the list of credit cards offered by the various banks and compare their features
  4. Select the best credit card that perfectly complements your spending habits
  5. Upload any documents requested for
  6. Submit the form online

How to Use a Credit Card

There are some golden rules to use a Credit Card.

  • Never miss your payment deadline

    Timely payment of your Credit Card bill helps you maintain a healthy Credit Score.

  • Track your spends

    Keeping track of your expenses lets you keep a check on overspending.

  • Choose your Credit Card limit wisely

    A Credit Card should be selected basis your income, fixed monthly obligations & your expenses.

  • Regularly check your statement

    You should regularly check your Credit Card statement in order to check the status of your Credit Card payment & view your spending behavior!

How to Find the Right Credit Card

  • Your spending pattern

One of the most important aspects of the choosing the right Credit Card is to consider your spending habits first. If you're an avid traveller, then you should go for a Credit Card that gives you reward points on travelling. If you shop frequently, then you choose a card that gives you discounts and reward points frequently.

  • Offers

Some lifestyle Credit cards give amazing offers and discounts on shopping from certain websites or brands. Some are better suited for travel. You need to be sure that you look out for benefits and compare between multiple cards to avail these benefits.

  • Frequent Rewards

Make sure that you check the rewards that are being offered in the Credit Card. If you're into travelling, then you need to look out for Card that offer more rewards on travelling. A lot of banks offer you exclusive rewards when your credit card payments are made on time. The same goes for Lifestyle Credit Cards, Fuel Credit Cards, etc.           

  • Fees & Annual Charges

Different Credit Cards have different fees and annual charges which you need to check before making a decision on choosing the correct type of Credit Card for you. A lot of companies even offer free Credit Cards these days, i.e. without any annual charges.           

  • Welcome Gift

Finserv MARKETS offers a lot of welcome gifts or bonus points on the online Credit Cards that you select. These can be extra miles that can be redeemed while travelling or bonus points that can be redeemed whenever you shop. If you want to avail these, you need to find and apply for Credit Cards that offers good welcome gifts or bonus points. What are you waiting for? Apply & avail the benefits today!        

  • Credit Card ROI

This is very crucial to check out before you apply for any Credit Card as different banks offer different rates of Interest on a variety of Credit Cards that they offer.

How a Credit Card Works

Offline

Step 1:

You have just completed your shopping at your favourite brand's outlet and use your Credit Card at the checkout counter. The merchant will either swipe your card or insert it into a POS or point of sale machine. In most cases, the store will then ask you to enter a PIN (personal identification number) to authenticate the transaction.

Step 2:

The machine reads the strip or chip on your Credit Card and sends the information along with the PIN to your issuing bank. If everything appears to be correct (credit limit, identity, validity, etc.), the bank approves the purchase.

Step 3:

If the transaction is approved, the machine then prints a pair of receipts – the retailer keeps one and hands you the second copy. In rare cases, where a PIN is not required, the retailer will request you to sign a copy of the receipt.

You are billed for the transaction in the next statement, and the retailer receives the money after a few days. The whole process works seamlessly on systems and technology provided by Visa or Mastercard or NPCI.

Online

Step 1:

When you are paying for purchases online, the e-commerce store will ask you for the below details:

Step 2:

Choose whether it is Visa or Mastercard or RuPay Card

  • 16-digit card number,
  • Expiry date,
  • CVV
  • Name as printed on the card
  • Billing address (sometimes)

Step 3:

Post-pressing the pay button, the information is sent to your bank via a payment gateway. 

The bank sends an OTP or one-time password to your registered mobile number or email ID to authenticate this transaction.

If the OTP entered by you is correct, only then your transaction is complete.

Why your Credit Card Application may get Rejected

  • Your Credit Card balances are too high

If your Credit Card balance is running too high already, there are chances that your fresh online Credit Card application may not get processed.

  • Your CIBIL Score is weak

One of the prominent reasons for your card to get rejected is that  your CIBIL score is not up to the mark.

  • Your loan balances are too high

Having too much debt makes it harder for you to take on a new payment. If your loan balances are high, credit card issuing banks may be hesitant in giving you a new Credit Card.          

  • Income too low

Your income is one of the major factors to decide on which Credit Card to give to you. This may be a factor of rejection in case the issuing banks find your income too low.           

  • Too many Credit Cards

One of the reasons for rejection of a good Credit Card is that you already may be having too many of them. The number of Credit Cards you have can have an influence on whether or not you shall get a new one.

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Frequently Asked Questions

  • ✔️What is a Credit Card?

    A credit card is an alternative to cash and comes with a pre-set credit limit. It is issued by a financial institution and 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. The card also offers other benefits such as rewards, cashback, etc.

  • ✔️What are the benefits of Credit Cards?

    The benefits of credit cards are as follows-

    • Credit cards let you convert your amount due into easy EMIs, which is calculated depending on the rate of interest charged by the bank, the tenure you choose, and the down payment which you provide.

    • Credit cards offer attractive reward points based on the spends and card type, which can be redeemed to avail discounts, gift vouchers, movie tickets, fuel surcharge waiver, etc.

    • Regular bill payment helps you maintain a good score.

    • Credit cards offer complimentary Lounge Access, which allows you to rest in peace, have complimentary snacks, a quick shower, etc.

  • ✔️How to get a Credit Card online?

    To get a credit card online, follow the steps mentioned below-

    • Visit the official website of Finserv MARKETS

    • Enter your personal information and contact details

    • Check out the list of credit cards offered by the various banks and compare their features

    • Select the best credit card that perfectly complements your spending habits

    • Upload any documents requested for

    • Submit the form online

  • ✔️What is the ideal credit score you need to get a Credit Card?

    Many credit cards require you to have a very good credit score. Some even require your score to be above 750. This means that you need to maintain an excellent credit score in case you're planning to apply for a Credit Card in the near future.
  • ✔️What are the benefits of a credit card?

    A credit card from Finserv MARKETS comes with various benefits. These are- Brings 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. Improve CIBIL score with timely repayments. Convenient ATM cash withdrawals.
  • ✔️How long does it take for a credit card application to get approved?

    Usually, it takes about 12-15 days for a Credit Card application to get processed. You need to submit your identity proof , address proof , a copy of your PAN card, Income/ Employment proof . Your documents are then verified and processed further.
  • ✔️How many credit cards should I have?

    The number of Credit Cards one should own is not fixed. It depends on your financial ability and your spending behaviour. However, ensure to manage all the cards properly. Use them responsibly, repay the outstanding on time and make sure none of them is affecting your credit score.
  • ✔️How do you know if you’re eligible for a credit card?

    You need to fulfil certain eligibility criteria to get a credit card. Age must be between 25 and 65 years. CIBIL score must be at least 750. Shouldn’t be a defaulter. The residing address must be verified.
  • ✔️What is a credit card statement?

    Credit card statement is a documentation of all transactions that you make with your credit card in a specific billing cycle. It also carries other crucial details related to your card like 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.
  • ✔️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 including accrued interest. Credit card balance is equivalent to the outstanding amount and is inversely related to the credit limit
  • ✔️Can I get a credit card with a bad credit score?

    Having a poor credit score decreases your chances of having a good Credit Card by a huge margin. It is strongly advised that one should have a good credit score in case you want a Credit Card.
  • ✔️Can I use my credit card in other countries?

    It depends on your card type. If your credit card is accepted globally, you can use it in other countries as mentioned by your creditor. However, a certain fee known as the foreign transaction fee will be charged for all the purchases made abroad.
  • ✔️What is the minimum amount due?

    The minimum amount due 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.

Credit Card Reviews

Credit Card Reviews

4out of 5

8 reviews

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.

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.

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.

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.

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.

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.

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.

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.