Apply for Credit Card Online

Choose from 35 credit card options from the comfort of your home and apply for a credit card online to enjoy benefits like rewards, privileges, cashbacks & discounts. To get your credit card, apply on Bajaj Markets and use the credit card online & offline to make purchases, bill payments and more!

Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card now!

Credit Card

A credit card is a financial instrument with a pre-approved credit limit that lets you make instant cashless transactions. The credit card issuer determines the credit limit based on factors like credit score and income. When using a credit card, you are essentially borrowing money from a bank or NBFC that should be paid back within a stipulated time period. You can repay your credit card dues in full or choose EMI payment options. The best bit about a credit card is that the card is not linked to your bank account so the money is debited from your credit limit. You can apply for a credit card online from the comfort of your home.

How to Apply for a Credit Card

Applying for a credit card on Bajaj Markets is a very smooth and hassle-free process. All you need to do is:

 

  • Step 1: Visit the Bajaj Markets official website.

  • Step 2: Enter your contact information and other personal details.

  • Step 3: Browse through the ‘credit card’ section on our page to compare various credit cards and choose one that best suits your needs.

  • Step 4: Check the eligibility criteria for the card of your choice.

  • Step 5: Select ‘Apply Now’ and fill-in the online application form.

  • Step 6: Submit your application form to initiate the application process for the online credit card.

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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, and ICICI credit card and apply for credit card online today!

Bajaj Finserv RBL Bank Credit Cards

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Bajaj Finserv RBL Bank Binge SuperCard

  • Joining Fee
    ₹999 + GST
  • Annual Fee
    ₹999 + GST
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Bajaj Finserv RBL Bank Binge SuperCard

  • Short-term Benefits Get welcome bonus of 4,000 Reward Points on spends worth Rs. 2,000. You can also get fuel surcharge waiver of up to Rs. 100/month. Get 1+1 Bookmyshow offer on movie ticket bookings of up to Rs. 200 once a month.
  • Long-term Benefits Get 2 complimentary domestic airport lounge access in a year. When you spend Rs.1 Lakh in a year and get annual fee waiver in the next year. On crossing Rs. 2 Lakh spend in a year get 10,000 milestone reward points.

Bajaj Finserv RBL Bank FYF Binge SuperCard

  • Joining Fee
    ₹Nil + GST
  • Annual Fee
    ₹Nil + GST
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Bajaj Finserv RBL Bank FYF Binge SuperCard

  • Short-term Benefits Get fuel surcharge waiver of up to Rs. 100/month. Also get 1+1 Bookmyshow offer on movie ticket bookings of up to Rs. 200 once a month.
  • Long-term Benefits Get 2 complimentary domestic airport lounge access in a year. When you spend Rs.1 Lakh in a year and get annual fee waiver in the next year. On crossing Rs. 1.5 Lakh spend in a year get 10,000 milestone reward points. Shop using this card and save up to Rs. 12,000 annually.

Platinum Choice SuperCard

  • Joining Fee
    ₹499 + GST
  • Annual Fee
    ₹499 + GST
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Platinum Choice SuperCard

  • Short-term Benefits Get welcome bonus of 2,000 reward points. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
  • 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
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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. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
  • 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
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Platinum Plus SuperCard

  • Short-term Benefits Avail welcome bonus of 4,000 reward points. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
  • 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
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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. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
  • 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
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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). Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
  • 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
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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. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
  • 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
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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. Convert your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month with 0 processing fee. The said loan is provided by RBL Bank as per their discretion and subject to its policies
  • 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

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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 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
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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
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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
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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

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BPCL SBI Card

  • Joining Fees
    ₹499 + GST
  • Renewal Fee
    ₹499 + GST
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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.

ICICI Bank Credit Cards

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ICICI Coral Visa Credit Card

  • Annual Fee
    ₹500 + GST
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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
    ₹500 + GST
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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
    ₹199 + GST
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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
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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
    ₹2,500 + GST
  • Annual Fee
    ₹Nil (2nd year onward) + GST
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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
    ₹499 + GST
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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
    ₹2,499 + GST
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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
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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.

DBS Bank Credit Cards

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Bajaj Finserv DBS Bank 5X Rewards Credit Card

  • Annual Fee
    ₹499 + GST
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Bajaj Finserv DBS Bank 5X Rewards Credit Card

  • Short-term Benefits Get welcome bonus of 2,000 Cash Points on the first transaction. On every ₹200 spent, get 2 Cash Points and multiply these Cash Points 5X every month, on crossing spends worth ₹10,000. Enjoy 10X Cash Points when you purchase on DBS Delights.
  • Long-term Benefits On spends of ₹50,000 in a year, enjoy annual fee waiver. Additionally, you can also get benefits of the Bajaj Finserv Health Prime Membership using the Bajaj Health app. Receive 5% cashback on making down payments of No Cost EMI loans at either the EMI marketplace or any Bajaj Finserv Network Partner Stores.

Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card

  • Joining Fee
    ₹999 + GST
  • Annual Fee
    ₹999 + GST
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Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card

  • Short-term Benefits Get welcome bonus of 4,000 Cash Points on the first transaction. On every ₹200 spent, get 2 Cash Points and multiply these Cash Points 5X every month, on crossing spends worth ₹10,000. Enjoy access to 1 domestic airport lounge every quarter.
  • Long-term Benefits On spends of ₹75,000 in a year, enjoy annual fee waiver. Additionally, you can also get benefits of the Bajaj Finserv Health Prime Membership using the Bajaj Health app. Receive 5% cashback on making down payments of No Cost EMI loans at either the EMI marketplace or any Bajaj Finserv Network Partner Stores.

Eligibility & Documention

1. Eligibility Criteria

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.

  • Credit Score: A credit score of 700 or above is considered ideal. In the absence of a good credit score, you can apply for a credit card against a fixed deposit.

2. Documents Required

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.

Features and Benefits

  • EMI Conversion

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.

  • Attractive Rewards

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.

  • Boost Your CIBIL Score

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.

  • Airport Lounge Access

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.

  • Welcome Offers

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.

  • Fuel Surcharge Waiver

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. 

  • Cashback Benefits

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. 

  • Lifestyle Benefits

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.

  • Travel Benefits

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. 

  • Add-on Cards

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.

  • Insurance Coverage

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.

  • Balance Transfer

This feature allows you to transfer the balance of one credit card to another credit card with a lower rate of interest. 

  • Global Acceptance

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. 

Types of Credit Cards

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.

Type

Description

Top Cards

Shopping Credit Card

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.

SBI Prime Credit Card

Axis NEO credit card

Travel Credit Card

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.

IRCTC SBI RuPay Card

RBL Travel Easy SuperCard

Fuel Credit Card

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.

IndianOil Axis Bank Credit Card

BPCL SBI Card

AirMiles Credit Card

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.

SimplySAVE SBI Credit Card

Axis Bank SELECT Credit Card

Secured Credit Card

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

Contactless Credit 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.

ICICI Bank Coral Credit Card

Axis Bank SELECT credit card

Why Apply for a Credit Card Online at 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 cards across popular banks - Axis Bank, State Bank of India, ICICI Bank, DBS 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:

 

  • Personal Loan Conversion

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!

  • Convert Purchases into EMIs

Purchases on cards available at Bajaj Markets can be easily converted into EMIs.

  • Stringent Security Measures

The cards are pre-equipped with topnotch safety measures to tackle any kind of credit card fraud.

  • Cash Withdrawal Without Interest

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.

  • Discounts & Rewards

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.

Latest Credit Card News

HDFC and Flipkart Wholesale Roll Out Co-branded Credit Card

Flipkart in collaboration with HDFC announced the launch of a co-branded credit card for its members. The card is said to function on the network of Diners Club International and can be used worldwide in over 200 countries. Additionally, registered members will be eligible for a cashback of up to 5% on purchases made on the website.

 

The card is equipped with benefits such as cashback of up to ₹1,500 on activation, zero joining fee, utility bill cashbacks and more. It aims at fostering a wider ecosystem for smaller merchants to manage their cash flows efficiently through the benefits of digitisation.

-  Mar 17, 2023

Indian Oil, Kotak Mahindra Bank Unveil Co-branded Fuel Credit Card

Kotak Mahindra Bank and Indian Oil join forces to launch Indian Oil Kotak Credit Card on the RuPay network. This card is aimed at offering consumers a seamless mode of payment while accruing points that can be redeemed at Indian Oil stations across the country. The card’s launch on the RuPay network reinforces the vision of Atma Nirbhar Bharat.

 

Additionally, the credit card offers facilities such as 48-day interest-free loans, 1% surcharge waiver on gasoline, 2% rewards on various purchases, EMI, zero liability on missing cards and contactless payment.

-  Mar 17, 2023

Credit Card Outstanding Reaches an All-Time High in Jan 2023

The credit card outstanding in January hiked by 29.6% to an all-time high of ₹1.87 Lakh Crore. RBI’s latest data suggests there is a 20% growth in the outstanding balance in the current fiscal. Increased digitisation and booming consumer confidence in the post-pandemic era are some of the major contributors to this.

 

Nearly 8.25 Crore credit cards were issued by the end of January by various banks. HDFC, SBI, ICICI, Axis and Kotak rank as top credit card issuers in India. With the economy resuscitating, credit card spends have seen a substantial increase due to the ease of payments.

-  Mar 11, 2023

City Union Bank Launches Credit Card in Collaboration with 42 Card Solutions

Dhi CUB Visa Signature Credit Card, the very first credit card by City Union Bank (CUB) was launched in partnership with 42 Card Solutions (42 CS). All the credit card’s processing services will be managed by 42 CS through a card management system by Pismo, a brazilian company.

 

First preference to get the card will be given to pre-existing users of CUB. By the end of March 2023, CUB targets to have about 30,000 active cards in circulation. Founded in 1904 and headquartered in Kumbakonam, Tamil Nadu, the bank is attempting to diversify its portfolio. This credit card is expected to benefit roughly over 5 Lakh of its customers.

-  Mar 10, 2023

JCB Contributes to Global Payment Industry: Issues 1 Million Credit Cards

One of the first Asia-based international credit card brands, Japan Credit Bureau (JCB), issued one million Rupay-JCB cards in India. This card can be used in stores within India as well as abroad for international trade and shopping. Additionally, it offers services such as airport lounge access, preferential treatment and so on.

 

The card gives an upper hand to Indian users by offering a 40% discount in frequented countries such as Thailand, Bahrain and Singapore. The firm aims to increase its reach by 30% in the next five years.

-  Mar 10, 2023

FAQs on Credit Card

  • ✔️What is a 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.

  • ✔️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.

  • ✔️What is the credit card balance?

    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.

  • ✔️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:

    • 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.

  • ✔️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.

  • ✔️Are there any charges on a credit card?

    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.

  • ✔️What are the benefits of a credit card?

    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.

  • ✔️What is the eligibility to get a credit 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.

  • ✔️What is a credit card statement?

    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.

  • ✔️What are the different types of credit cards?

    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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