A credit card is a financial instrument that allows the cardholder to make transactions without paying for it instantly. These Cards issued by a bank or NBFC with a pre-set credit limit. The limit is decided by the issuer on the basis of its internal policies and the customer’s creditworthiness. In case you do not have adequate funds in your savings 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 an EMI payment option, if applicable. Additionally, these cards also help you build a good credit score while offering 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.
Applying for the best credit card online on the Bajaj MARKETS website is pretty easy. You can follow the below-mentioned steps to successfully complete the process:
Step 1: Visit the Bajaj MARKETS official website.
Step 2: Enter your contact information and other personal details.
Step 3: If you have an offer, browse through the card options available on the site and compare their features.
Step 4: Select the best credit card that perfectly complements your spending habits.
Step 5: Check the eligibility criteria for the card of your choice.
Bajaj MARKETS has partnered with some of the most prestigious banks in the country to provide you with the best credit cards. Whether you are looking for best credit cards for beginners or premium instant credit cards, we have got you covered. Be it shopping benefits or travel discounts, fuel surcharge waivers, or lifestyle rewards, we have just the right credit card in store for you! Browse now to compare top offers and features by Axis Bank credit card, SBI credit card, RBL Bank credit card, Citibank credit card and ICICI credit card and apply for credit card online today!
Depending on the issuer’s policy and the type of credit card you wish to apply for, the eligibility criteria for a credit card may slightly differ. However, the basic credit card eligibility requirements can be summed up as follows:
Age: The minimum age for applying is 18 years.
Residence: You must either be a resident of India or a non-resident Indian (NRI).
Income: The minimum annual income is ₹1.8 lakh.
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.
The following documents are necessary when initiating the application process for a credit card:
Identity Proof: Passport, PAN card, Voter’s ID, Aadhaar card, driving licence, arms licence, ration card, Freedom Fighter’s ID card, or legally acceptable photo ID duly signed by a gazetted officer.
Address Proof: Passport, Voter’s ID, Aadhaar card, driving licence, ration card, property documents, lease/rent agreement, utility bills of the last three months.
Income Proof: Form 16, income tax returns, salary slips of the last three months, bank statements of the previous six months.
EMI or Equated Monthly Instalments lets you pay for the cost of purchases with ease. The amount you would need to pay as EMI would depend on the rate of interest charged by the bank, the loan tenor, and the down payment.
You can earn attractive credit card reward points based on the type of spends, cost of purchase, and card type. You can redeem these reward points in the form of discounts, gift vouchers, movie tickets, fuel surcharge waivers, etc., when you transact at any of the partner stores.
Every credit card bill payment you make gets reported to the credit bureaus. These companies are in charge of maintaining and updating the credit scores of individuals. Regular bill payments improve your credit history and help you maintain a good credit score.
One of the most sought-after features of credit cards is the airport lounge access. The most prestigious cards also double as lounge access cards to offer you the benefit of resting, eating, and unwinding in a relaxed lounge setting while you wait for your next flight.
Depending on the features offered, credit cards can be classified into different types. Below listed are details about various credit card types available in the market with examples.
It is designed for frequent shoppers. While some cards provide deals and discounts for shopping online, others are designed for in-store shopping. Further, there are co-branded cards that give offers and rewards on specific brands or stores. These cards are great for enjoying benefits such as welcome gifts, reward points, deals and discounts, etc.
This is the best value card for frequent travellers. The features and benefits offered mostly revolve around air travel. Reward points to air miles conversion, free flight tickets, complimentary airport lounge access, and accelerated rewards on air ticket booking, among others, are some common features offered. Most of these cards are co-branded cards offered in collaboration with the card issuer and an air carrier or travel website.
This is the best card to get if you own a vehicle as it allows you to enjoy significant savings on your fuel expenses. You get reward points on fuel spends, fuel surcharge waiver facility, reward points redemption against fuel purchases, and many more benefits. This enables you to keep your fuel expenses under check.
These cards are specially designed for people who travel frequently via air. To make your experience worthwhile, such cards come with complimentary lounge access. They even let you earn bonus points against flight ticket purchases in addition to providing cashback, reward points, lower foreign exchange rates, hotel booking discounts, extra air miles on partner airlines, etc.
Axis Bank PRIVILEGE Credit Card
Rewards Credit Card
These cards help cardholders earn rewards against purchases. This includes bonus points on card renewal, online and offline transactions, special occasions, etc. These cards, in some cases, also let you earn accelerated reward points against milestone expenses. These points can be redeemed to save more.
These cards are issued against a fixed deposit and are ideal for people with no or poor credit history. Using the card properly can help improve your creditworthiness and credit score, which would allow you to borrow funds with ease in the future.
RBL Bank Supercard
SBI Advantage Plus Card
These cards use RFID technology to conduct a transaction. As the name suggests, such transactions are contactless and can be completed by simply tapping or hovering the card over the card terminal.
Axis Bank SELECT credit card
Bajaj MARKETS is a financial marketplace that gives you access to a range of credit cards along with insights about their features, benefits, fee details, and latest offers - all in one place! You can choose from a curated list of handpicked cards across popular banks - Axis Bank, State Bank of India, Citibank, ICICI Bank, and RBL Bank, which offer you a wide range of offers. Some of the key reasons why you should apply for credit card online at Bajaj MARKETS include:
The cards available at Bajaj MARKETS allow you to apply for a personal loan against your cash limit. Also, you can repay this amount in easy EMIs!
Purchases on cards available at Bajaj MARKETS can be easily converted into EMIs.
The cards are pre-equipped with topnotch safety measures to tackle any kind of credit card fraud.
Most credit cards these days allow you to withdraw cash from an ATM and that too interest-free! You can avail this benefit against a minimal processing fee.
Avail big savings annually when you use your credit card. Why wait? Go apply for an online credit card today with a paperless application process! If you are a student, then you can apply for a Student Credit Card and avail exciting offers.
The perfect card is the one that best matches your spending habits. It is, therefore, critical to know how to choose the right credit card before applying.
If you are someone who likes to shop a lot, you should go for a shopping credit card. This will allow you to enjoy discounts and cashback at partner brands as well as help you earn rewards. In case you own a car, you should opt for a fuel credit card to save surcharge on petrol or diesel purchases. The fuel surcharge waiver will be applicable at partner fuel outlets. On the other hand, if you do not have a credit score and are looking to build one for a loan you can take in the future, you can consider getting a secured credit card. There are also special credit cards for beginners which are designed to help you enjoy benefits at a low joining/annual fee.
A credit card is a financial tool that lets you borrow a certain sum of money against the assigned credit limit and repay it later in full or in instalments. They also offer other benefits such as rewards, cashback, etc. You can apply for a credit card online or offline.
To get an instant credit card online, follow the steps mentioned below:
Visit the official Bajaj MARKETS website.
Enter your personal information and contact details.
Check out the list of credit cards on offer and compare their features.
Select the best credit card that perfectly complements your spending habits.
Upload the requested documents.
Submit the form online.
The credit card balance is the total outstanding that a cardholder owes to his or her card issuer. It is calculated based on factors like purchases made applicable fees, including statement charges, annual fees, interest rates, and total outstanding amount with accrued interest. The balance is equivalent to the outstanding amount and is inversely related to the credit limit.
A credit card can be used online as well as offline to make purchases.
1) When paying for purchases online, you would need to follow the steps mentioned below:
Step 1: Select ‘Credit Card’ as your mode of payment at the payment gateway.
Step 2: Enter your credit card details, including the 16-digit card number, credit card expiry date, credit card CVV, and name as printed on the card.
Step 3: Click on ‘Pay’.
Step 4: Once redirected, you must authenticate the payment by entering the OTP sent to your registered mobile number or email ID.
2) When you use a credit card to pay for your purchases offline at a point-of-sale (PoS) machine, you would need to either swipe or insert it. The machine will then ask you to enter the PIN (personal identification number) to authenticate the transaction.
3) In case you have a contactless credit card, you can simply tap the card against the card reader to complete the transaction.
Credit card bill payment can be done both online and offline. For online credit card payment, you can pay using popular methods such as IMPS, NEFT, RTGS, netbanking, BillDesk, Visa Money Transfer, auto-debit, etc. If you wish to opt for credit card payment offline, you can pay your credit card bill via cash or cheque at your nearby bank branch or ATM.
The fees and charges applicable will vary from one card to another. As a result, the type of card you choose and the way you use it will decide the expenses you are likely to incur. Some common fees and charges are annual fees, interest and finance charges, international transaction charges, over-limit charges, late payment fees, etc.
A credit card lets you easily borrow against the available credit limit and convert the purchase into EMI. Against all online and offline purchases, you can expect to earn reward points. Other benefits may include discounts, cashback, welcome gifts, fuel surcharge waiver, airport lounge access, golf memberships, etc. Also, paying your credit card bill on time is a good way to improve your credit history and CIBIL score. The specific benefits will vary from card to card.
The eligibility criteria varies depending on the credit card you apply for. You must fall within the age limit (usually between 18 and 65 years of age), should be a resident of India or a non-resident Indian (NRI), must have a good credit score, and fall within the set income bracket to apply for a credit card. You can check the credit card eligibility for different cards on the Bajaj MARKETS website.
A credit card statement is a document that lists the transactions on your active card in a billing cycle. It provides an overview of all aspects related to your card, such as available credit limit, cash limit, total amount due, minimum amount due, credit card reward points, applicable fees and charges, etc.
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