MasterCard Credit Card

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What are MasterCard Credit Cards

Mastercard credit cards are special credit cards that use the Mastercard network to operate. Mastercard is a USA-based financial services company that facilitates card payments between Mastercard-issuing banks and merchant banks in a secure and efficient way. Several major banks in the country have partnered with Mastercard to offer credit cards with numerous benefits to users.

Best Mastercard Credit Cards

Some of the best Mastercard credit card variants offered by the top banks are mentioned below:

Credit Card

Mastercard CC Type

Best suited for

IndianOil Citi credit card

Platinum Mastercard

Fuel

Citi Cash Back credit card

Platinum Mastercard

Shopping

Citi Rewards Card

Platinum Mastercard

Rewards

Citi PremierMiles credit card

World Mastercard

Travel

SBI Card Elite

World Mastercard

Travel and lifestyle

SBI Card Prime

World Mastercard

Rewards

RBL Bank World Plus Supercard

World Mastercard

Rewards

RBL Bank World Prime Supercard

World Mastercard

Rewards

RBL Bank Platinum Choice Supercard

Platinum Mastercard

Rewards

RBL Bank Platinum Classic Supercard

Platinum Mastercard

Rewards

Types of MasterCard Credit Card

There are different types of Mastercard credit cards to suit the specific needs of cardholders. These are listed below:

Standard Mastercard

The Standard Mastercard variant is ideal for everyday purchases. You can use the credit card at retail outlets, for online shopping, to make hotel and flight bookings, and more. The card helps you build a credit history while offering you features and benefits that support your lifestyle.

Platinum Mastercard

The Platinum Mastercard is designed for premier cardholders. It offers financial sophistication with its worldwide acceptance. The card also comes with the best of lifestyle and travel benefits to make your experiences more enjoyable.

World Mastercard

The World Mastercard offers many great features coupled with a worldwide acceptance that lets you be flexible while travelling and exploring places. You can use the card to shop, dine, watch movies as well as enjoy specially curated experiences to make your stay pleasurable.

Gold Mastercard

The Gold Mastercard is specially designed for frequent overseas travellers. The card offers luggage insurance, air accident insurance, as well as extensive accident cover. It comes with free 24x7 personal assistance, contactless payments, and is accepted worldwide at over 36 million transaction points. The Gold Mastercard also offers an attractive bonus against annual spendings.

Titanium Mastercard

The Titanium Mastercard offers special privileges and benefits to aid you when you travel as well as helps you maintain a trendy lifestyle. You can access personal lounges, book chauffeurs, get discounts on stays, and enjoy curated experiences when you use the card while travelling. The card also comes with great offers on dining, entertainment, and more.

Mastercard Credit Card Offers

Depending on the type of Mastercard credit card you apply for, you can avail different offers across a host of categories. Listed below are some of the popular Mastercard credit card offers you can avail:

Credit Card

MasterCard Credit Card Offers

 

 

Citi PremierMiles credit card

  • Up to 20% savings across participating restaurants

  • 10,000 miles against the first transaction of more than ₹1,000 within 60 days of issuance

  • 3,000 miles against annual card renewal

 

 

 

SBI Card Elite

  • Welcome e-gift Voucher worth ₹5,000

  • Complimentary movie tickets worth ₹6,000 annually

  • Complimentary Priority Pass membership worth $99

  • Complimentary Silver membership of Club Vistara

  • Complimentary Trident Privilege Red-Tier Membership

 

 

SBI Card Prime

  • Welcome e-gift voucher worth ₹3,000

  • Pizza Hut e-voucher worth ₹1,000 against spends of ₹50,000 in a calendar quarter

  • e-voucher worth ₹7,000 from Yatra.com/Pantaloons against spends of ₹5 lakh in a year

  • Complimentary Trident Privilege Red-Tier Membership

  • Complimentary Silver membership of Club Vistara

 

 

RBL Bank World Plus Supercard

  • Enjoy 8 free visits (2 per quarter) at domestic lounges across all major airports in India every year

  • 5% discount on dining as well as international spends

  • 1+1 free movie tickets twice a month on BookMyShow

  • Up to ₹5,000 savings annually

 

 

RBL Bank World Prime Supercard

  • World-class concierge for golf course referral/reservation, car rental, dining reservations

  • Fuel surcharge waiver up to ₹150 every month

  • 10,000 Reward Points on spends of over ₹3.5 lakh in a year

  • 8 free (2 per quarter) visits to domestic airport lounges in a year

How to Apply for a Mastercard Credit Card

If you wish to get a Mastercard credit card, you can apply for one online by following the steps mentioned below:

  • Step 1: Visit the Bajaj Markets website.

  • Step 2: Go to the credit card section and browse through the range of credit cards and select the best Mastercard credit card.

  • Step 3: Enter the requested details such as email id, contact number, etc.

  • Step 4: Click on ‘Apply’.

  • Step 5: Validate with the OTP.

  • Step 6: Fill in all applicable details in the MasterCard credit card application form and check your eligibility.

Alternatively, you can also apply for a Mastercard credit card offline by visiting the nearest bank of your choice. You would need to carry all relevant documents required for credit card and request a bank representative to assist you with the Mastercard credit card application. The representative would then check your eligibility and help you choose the right Mastercard credit card.

Where is Mastercard Credit Card Accepted?

Mastercard credit cards can be used on the Mastercard network, which is available worldwide. The card supports payments across multiple categories, both online and offline, while also giving you access to exclusive credit card reward points. You can also use the card at Mastercard-compatible ATMs globally if you are in urgent need of cash.

What is a Contactless Mastercard Credit Card?

Contactless is a special feature that comes with certain Mastercard credit cards. If your credit card has the contactless benefit, you can simply tap your card on a point-of-sale (PoS) machine to make a payment. This makes transactions using your credit card safe and secure as you do not need to part with your card at any point. It also helps you save time when you are in a rush or at locations where speed is essential such as gas stations, food takeaway counters, etc.


Note: As per the July 14, 2021, Reserve Bank of India (RBI) circular, RBI has restricted Mastercard Asia / Pacific Pte. Ltd. (Mastercard) from on-boarding new domestic customers onto its card network from July 22, 2021.

FAQs on Mastercard Credit Card

  • ✔️Which different categories of Mastercard credit cards are available?

    The different types of Mastercard credit cards available are Standard Mastercard, Platinum Mastercard, World Mastercard, Gold Mastercard, and Titanium Mastercard. Know more about the difference between Visa and Mastercard at Bajaj MARKETS.

  • ✔️I have lost my Mastercard credit card. What should I do now?

    If you have lost your Mastercard credit card, the first step is to block it. You can do so by calling the bank’s customer helpline number or using its netbanking portal. Once blocked, you can apply for a new Mastercard in its place.

  • ✔️What are the benefits of using a Mastercard Credit Card?

    The benefits of using a Mastercard credit card include worldwide acceptance and support, access to exclusive benefits on travelling, shopping, dining, entertainment, specially curated experiences, and more.

  • ✔️Can a Mastercard be a credit card?

    Yes. As long as the credit card is using the Mastercard network to process payments, it is a Mastercard credit card.

  • ✔️Is a Mastercard the same as a credit card?

    Credit cards that use the Mastercard network to facilitate payments between Mastercard-issuing banks and merchant banks are known as Mastercard credit cards. Not all credit cards are Mastercard credit cards.

  • ✔️Which banks provide Mastercard?

    Some of the top banks offering Mastercard credit cards are Citibank, RBL Bank, and State Bank of India.

  • ✔️How do I know if my Mastercard is contactless?

    All Mastercards with a contactless functionality are marked with the word ‘contactless’ on the card itself. If your card comes with this feature, you will also be able to notice a wi-fi-like symbol on the card. If your Mastercard is contactless, you can use it in shops that accept contactless payment by simply tapping your card on the PoS machine.

  • ✔️Which are the Banks which issue Mastercard Credit Cards?

    Several major banks in India issue Mastercard credit cards to their customers. These include HSBC Bank, State Bank of India, HDFC Bank, Citi Bank, ICICI Bank, IndusInd Bank, Standard Chartered Bank and Union Bank of India.

  • ✔️What should be the credit score for Mastercard credit cards?

    Mastercard has a range of credit cards for customers with varying degrees of credit scores. However, the bank or other lender who issues this credit card has the power to determine the exact credit score required. Regardless, the minimum credit score to avail of this credit card is decided upon by Mastercard.