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Apply for Credit Card Online

Go cashless and address emergencies with ease using a credit card. Enjoy reward points, cashback, dining offers, discounts on purchases, and more. Choose between cashback, travel or rewards cards and get one easily online.

Go cashless and address emergencies with ease using a credit card.

Apply for Credit Card Online

Go cashless and address emergencies with ease using a credit card. Enjoy reward points, cashback, dining offers, discounts on purchases, and more. Choose between cashback, travel or rewards cards and get one easily online.

Go cashless and address emergencies with ease using a credit card.
Selected Card NEO Credit Card
partner-card-img-alt NEO Credit Card Know More
partner-card-img-alt MY ZONE Credit Card Know More
partner-card-img-alt INDIANOIL AXIS BANK Credit Card Know More
partner-card-img-alt SELECT Credit Card Know More
partner-card-img-alt SBI Card PRIME Know More
partner-card-img-alt SimplySAVE SBI Card Know More
partner-card-img-alt SimplyCLICK SBI Card Know More
partner-card-img-alt SBI Card ELITE Know More
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₹250 /year

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What is a Credit Card

Credit cards are payment cards issued by financial institutions to allow you to utilise a certain predetermined amount for purchases. This credit acts as a debt that you have to repay later. Typically, the company allows you to pay back the amount interest-free for up to 50 days, post which interest would apply for the outstanding balance.

Different Types of Credit Card

Credit Card Type Description
Lifetime-free Credit Card No joining or annual fees; ideal for cost-conscious users or those who use credit cards occasionally or for emergencies.
Cashback Credit Card Earn cashback on everyday purchases like groceries, utilities, and online shopping; great for regular spenders who want savings.
Travel Credit Card Offers discounts and deals on flights, hotels, and train tickets; suitable for frequent business or leisure travelers.
Rewards Credit Card Earn reward points for purchases, redeemable for airmiles, products, or discounts; ideal for users with varied monthly spending.
Airline Credit Card Co-branded cards offering flight discounts, lounge access, bonus miles; perfect for frequent flyers.
Shopping/Lifestyle Credit Card Access discounts across fashion, electronics, dining; EMI options for large purchases; best for lifestyle and shopping enthusiasts.
Entertainment Credit Card Discounts and offers on movies, concerts, events, plus dining perks; ideal for users who enjoy recreation and events.
Credit Card with Dining Offers Restaurant discounts and dining memberships; ideal for frequent diners and food lovers.
Fuel Credit Card Fuel surcharge waiver, free fuel, roadside assistance; designed for frequent drivers and commuters.
Secured Credit Card Issued against a fixed deposit, minimal eligibility; helps build credit history for new or low-credit users.
Credit Card Linked to UPI Linkable to UPI apps for seamless mobile payments; great for users who prefer digital wallets over physical cards.
Co-branded Credit Card Launched with specific brands offering exclusive benefits; ideal for loyal customers of retail, e-commerce, or travel brands.
Premium Credit Card High-end perks like concierge, travel memberships, luxury benefits; suitable for high-income users (₹10–12L+ spend/year).
Business Credit Card Cashback on business spends, simplifies accounting, offers travel/business perks; best for entrepreneurs and small business owners.
Corporate Credit Card Issued to employees for business expenses, linked to company systems for tracking; designed for corporate professionals.

Disclaimer:  Credit card features and benefits may vary by issuer. Always read the terms and conditions before applying.

Credit Card Eligibility and Required Documents

Eligibility Criteria Documents Required
  • Minimum age: 18 years
  • Nationality: Indian resident or NRI
  • Minimum income: As per issuer’s policy
  • Employment: Salaried or self-employed
  • Credit score: 700 or above preferred
Proof of Identity (any one):
  • Passport
  • Aadhaar card
  • PAN card
Proof of Address (any one):
  • Utility bill (electricity, water, phone)
  • Ration card
Income Proof:
  • Salaried: Salary slips (2–3 months), Form 16
  • Self-employed: ITR with income computation, bank statements

Disclaimer:  Please note that the eligibility criteria and documents stated above can vary from one issuer to another. Please understand these terms and conditions before applying for a credit card.

Credit Card Fees and Charges

Regardless of the type of credit cards you apply for, you will come across a few credit card charges that will apply based on your transactions. Get a glimpse of some common charges in this table:

Fee Type

Details 

General Range

Joining Fee 

This is a one-time fee to be paid during application in order to own the card

Varies between issuers and can go up to ₹1 Lakh

Annual Maintenance Fee

Annual fee to be paid to enjoy the privileges of the credit card 

Can go up to ₹60,000

Interest Charges

Prefixed rate applicable if you do not pay the credit card bill in full by the due date

Can go over 50% per annum

Rewards Redemption Fee

Processing fee charged when you use your accumulated reward points to enjoy benefits like gift cards, air miles, or merchandise shopping

Typically range from ₹99 to ₹150 

NIL in some cases 

Foreign Transaction Fee

Additional foreign credit card charges when you swipe your credit card in a foreign country

Usually 1.50% to 3.50% of the transaction amount

Late Payment Fee

Applicable when you miss paying even the minimum amount due as per the credit card statement  

₹5 to ₹1,300 based on the overdue balance; may also be charged as a percentage of the balance due 

Cash Advance Fee

Applies to the amount you withdraw as cash from an ATM 

Up to 3.5% on the amount withdrawn

Over Limit charges

Applies to the amount you spend over the limit of your credit card 

Up to 4%

Fuel Surcharge

Fee that applies to using a credit card to pay for fuel 

Up to 2%-2.5%

Goods & Services Tax (GST)

Applicable on interest fees, late payment fees, forex charges, annual and joining fees, and more

18%

Disclaimer: These are some of the general fees applicable to credit cards. Check the charges and rates of the specific card you plan to get.

How to Apply for a Credit Card Online

The enhanced security protocols on Bajaj Markets help keep your data safe when you apply for a credit card online. The easy option to compare cards also aids in selecting the ideal card for yourself. Applying digitally is simple, and all you need to do is:

✅ Step 1: Click ‘Check Eligibility

  • Begin by clicking the ‘Check Eligibility’ button on the credit card application page.

📝 Step 2: Fill in Basic Details

Enter the required information:

  • Mobile number
  • Date of birth
  • Occupation

🔐 Step 3: Enter OTP

  • You'll receive a One-Time Password (OTP) on your registered mobile number.
  • Enter the OTP to proceed securely.

🔍 Step 4: Verify Pre-Filled Information

Check and confirm the pre-filled details, including:

  • PAN Card number
  • Address
  • Email ID
  • Income information

💳 Step 5: Choose Your Credit Card

  • Review the available credit card options based on your eligibility.
  • Select the card that best fits your needs.

📤 Step 6: Submit Your Application

  • Click the ‘Submit’ button to complete the application process.

NoteThe application process may vary slightly in case of certain cards.

 

Things to Know Before Applying For a Credit Card online

A credit card is a tool you can use to improve your financial well-being. In order to get the most out of it, know some important terms associated with it. 

  • Billing Cycle

This is the monthly period during which all your credit cards transactions are tracked. It is usually between 28 to 31 days. When it comes to an end, you will receive a statement summarising your purchases, EMI instalments, if any, fees, and total payment due.

While the billing cycleis fixed by your issuer, you have a one-time chance to change your billing cycle to something that works for you. You may want the date to coincide with the time you receive your salary in order to pay your bill stress-free. 

  • Interest Rate

You will be charged a certain rate of interest on credit card on the unpaid balance. This is only when you do not clear your bill in full by the due date. It is calculated as an Annual Percentage Rate (APR) and is charged per day. 

Avoiding it helps you maintain healthy finances as credit card APR is quite high compared to other financial services. 

  • Grace Period 

This is the interest-free window when you won’t be charged any interest on your balance. Pay the entire due amount before the grace period ends to avoid interest. This period usually ranges between 18 to 55 days, depending on your credit card. 

  • Minimum Due

This is the least amount you need to pay by the due date to avoid late payment charges. It is usually 5% of the entire balance due. Remember, the overdue amount attracts interest even if you pay this amount.

  • Late Payment Charges

If you don’t pay at least the minimum amount due by the specified date, you will have to incur a late payment fee. This may be a flat fee or a percentage of your outstanding balance. It is best to avoid late charges and strain your finances needlessly. 

  • Rewards Expiration and Redemption

Most credit cards have reward programs based on which you can earn points and get access to perks. To maximise your benefits, check if and when the points you get expire and how to redeem them. Evergreen points and easy redemption help you enjoy the points effortlessly. 

  • Credit Limit Calculation

Your credit limit is the maximum amount you can spend using your credit cards. Banks consider your income, credit score, and other factors when determining your credit limit. To maintain financial health, try not to max out your credit card each month.

Benefits of Using Credit Cards

Credit cards have evolved over time, and the number of cards issued by Indian banks has crossed a significant milestone. They are extremely versatile to use and offer better safety too. 

You can increase your purchasing power and build a good credit history using credit cards. Here are some benefits you can enjoy: 

    Earn Reward Points

    Accumulate points on specified purchases and redeem them for shopping vouchers, air miles, cashback, and more

    Get Complimentary Membership to Dining/Travel Programs

    Co-branded and premium cards allow you to become a member of a loyalty program to enjoy more privileges 

    Get Exclusive Discounts

    From electronics to movie tickets, get offers on a range of products and services from partner retailers 

    Pay Bills in EMIs

    Split big-ticket bills and pay comfortably in instalments (with or without additional charges) 

    Travel Hassle-free

    Complimentary lounge access, low forex rates, air miles, and more help you maximise savings

    Save as You Spend

    Cashback and reward points give you more value for most transactions 

    Emergency Cash Withdrawal

    Get money from an ATM based on your card’s limit to address urgent needs, but keep in mind that applicable interest will be charged 

    Instant Use through Virtual Cards

    Once you get Instant approval for a card, you can immediately start using its virtual variant online 

    Pay with UPI

    With RuPay credit cards, pay easily by linking your card with UPI 

    Spend Securely

    Enjoy safety with CVV, PIN, EVM chip and contactless payment features 

    Use Globally

    Enjoy the flexibility to make payments inside and outside India with equal ease

    Save with Waiver on Fuel Surcharge

    Meet specific conditions and avoid a percentage of the additional charge on credit card payments at fuel pumps

    Get a Loan Basis Credit Card Limit

    Address emergencies with an unsecured loan via your card, but keep in mind that applicable interest will be charged

    Get Insurance Covers

    Protect yourself from fraud with zero liability cover and other covers related to travel, accidents, and more

Relationship Between a Credit Card and Credit Score

Credit cards and credit scores have an interdependent relationship. Here's how they impact each other.

  • Responsible Credit Cards Usage Can Boost Credit Score

  • You can prove your creditworthiness by using your credit card responsibly and making on-time payments in full every month. Maintaining healthy credit use is important since consistent late payments can impact your score.

    By using a credit card with care, you can build your credit score, which will help you get quick and affordable access to credit in the future.

  • Poor Credit Score Can Hold You Back From Getting a Credit Card

  • It will be much more difficult to acquire a credit card if you have a low credit score. This may be due to the fact that you do not have any credit history or have missed EMIs and defaulted on a loan in the past. 

    Since banks check how creditworthy you are before approving your application, this can lead to rejections. You can opt for a secured credit card in this case and use it smartly to improve your score over time.

Benefits of Applying for Credit Cards on Bajaj Markets

Whether you use a credit card for cashback on everyday spends or for an additional credit at hand, Bajaj Markets could help you find a credit card.

Here’s why you should apply for a credit card online through our website:

  1. Access to multiple options

  2. With over 30 cards categorised for every need, you can apply for the one that the helps you manage your finances better

  3. Large network of financial institutions

  4. You can get a credit card from any of the bundle of leading credit card issuers tied up with Bajaj Markets

  5. Quick online process

  6. An hassle-free online journey lets you apply easily, at your convenience, without having to visit any issuer physically

How to Use a Credit Card Without Hurting Your Finances

Not monitoring usage or spending recklessly can strain your finances, leading to credit card debt. Here are a few things you can do to ensure that your card does not end up being a liability:

  • Instead of using your full credit limit, try to spend only up to 40% 

  • Increase your credit limit when you can to boost your purchasing power

  • Pay your balance in full each month by the due date 

  • Apply for a new credit card only when necessary

  • Monitor your credit card statement regularly to be in the know

  • Time your purchases at the beginning of your billing cycle to get more time to repay

  • Check the spending threshold to get an annual fee waiver when possible

  • Remember, the more premium the card, the higher the annual fees will be, so choose accordingly

Some of India’s Best Credit Cards Available on Bajaj Markets

Explore and compare 30+ instant approval credit cards available for you and pick as per your needs:

Credit Cards

Joining Fee (Excluding GST) Annual/Renewal Fee (Excluding GST) Key Features

SimplySAVE SBI Card

₹499

₹499

  • Earn 10x rewards on every ₹150 spent on lifestyle

  • Welcome benefit of 2,000 reward points

IRCTC RuPay SBI Card

₹500

₹300

  • Complimentary railway lounge access

  • Get up to 10% Value Back on railway bookings

SBI Card ELITE 

₹4999

₹4999

  • Welcome gift voucher worth ₹5,000

  • Access to 1000+ international airport lounges

SimplyCLICK SBI Card

₹500

₹500

  • Joining benefit of Amazon gift voucher worth ₹500

  • Convert purchases worth ₹2,500 and above into easy EMIs

SBI Card PRIME

₹2999

₹2999

  • Welcome gift vouchers worth ₹3,000 from lifestyle brands

  • Complimentary domestic and international airport lounge access

Lifestyle Home Centre SBI Card

₹499

₹499

  • Welcome bonus of 2,000 reward points

  • Get accelerated reward points on spends at partner stores 

Max SBI Card SELECT 

₹1499

₹1499

  • Welcome benefit of 6,000 reward points worth ₹1,500

  • Milestone reward points worth up to ₹8,600

Central SBI Select Credit Card

₹750

₹750

  • Get welcome gift vouchers worth ₹750

  • Accelerated reward points on purchases made at Central stores

FBB SBI STYLEUP Card

₹499

₹499

  • Get 10x reward points on purchases made at Big Bazaar, FBB, and Food Bazaar outlets

  • Convert spends worth ₹2,500 and above into easy EMIs 

BPCL SBI Card OCTANE

₹1499

₹1499

  • Get more out of fuel spends

  • Get a welcome bonus of 6,000 reward points worth ₹1,500

BPCL SBI Card

₹499

₹499

  • Complete fuel freedom with 4.25% cashback on fuel spends

  • Enjoy simple debt consolidation with balance transfer facility

SBI Card PULSE

₹1,499

₹1,499

  • Free healthcare membership for a year

  • Spends over ₹2,500 can be converted into EMIs

Axis Bank MY ZONE Credit Card

₹500

₹500

  • Beginner-friendly credit card

  • Complimentary SonyLIV Premium annual subscription

Axis Bank NEO Credit Card

₹250

₹250

  • Get up to 40% off on Zomato

  • Convert big purchases into manageable EMIs

Indianoil Axis Bank Credit Card

₹500

₹500

  • 100% cashback on fuel transactions as joining benefit

  • Accelerated reward points on fuel transactions

Axis Bank SELECT Credit Card

₹3000

₹3000

  • Tee off in style with 6 complimentary golf rounds

  • Dedicated concierge desk

IndusInd Bank Legend Credit Card

Nil

Nil

  • ‘B1G1’ on movie tickets booked through BookMyShow

  • World-class concierge service 

IndusInd Bank Platinum Master Credit Card

Nil

Nil

  • Luxury gift cards from global brands

  • Complimentary golf lessons from experts

IndusInd Bank Platinum Aura Edge Credit Card

Nil

Nil

  • Exclusive access to 600+ international airport lounges

  • Luxury concierge benefits

AU Small Finance Bank Vetta Credit Card

₹2,999

₹2,999

  • Up to 4 complimentary airport lounge visits

  • 1000 bonus reward points as a birthday gift

AU Small Finance Bank LIT Credit Card

Nil

Nil

  • Up to 4 complimentary lounge visits every 90 days

  • Customisable credit card

Rupicard

Nil

Nil

  • Low interest rate of just 2.5% per month

  • Easy ATM cash withdrawal

ICICI Bank Coral Credit Card

₹500

₹500

  • Enjoy ‘Buy 1 and Get 1 Free’ offers at INOX Cinema

  • Complimentary airport and railway lounge access

ICICI Bank Expressions Credit Card

₹499 

₹499 

  • Get up to 20% discounts at partner restaurants

  • Complimentary airport lounge access

ICICI Bank HPCL Credit Card

₹500

₹500

  • Redeem reward points against outstanding credit card balance

  • 1% fuel surcharge waiver of up to ₹4,000 at HPCL pumps

MakeMyTrip ICICI Bank Platinum Credit Card

₹500

Nil

  • Activation gifts worth ₹3,500 from MakeMyTrip

  • Complimentary lounge access

MakeMyTrip ICICI Bank Signature Credit Card

₹2500

Nil

  • Exclusive deals on MakeMyTrip

  • Complimentary airport lounge access

ICICI Bank Manchester United Platinum Credit Card

₹499

₹499

  • Get a complimentary branded football from Manchester United

  • Up to 15% off on dining at partner restaurant

ICICI Bank Manchester United Signature Credit Card

₹2499

₹2499

  • Exclusive Manchester United experiences

  • Complimentary airport lounge access

ICICI Bank Platinum Visa Credit Card

Nil

Nil

  • Exclusive dining discounts

  • Fuel surcharge waivers

IDFC FIRST Select Credit Card

Nil

Nil

  • ₹500 voucher on spends of ₹5,000 within 30 days of card generation

  •  5% cashback (maximum ₹1,000) on first EMI transaction made within initial 30 days

 IDFC FIRST Classic Credit Card

Nil

Nil

  • Fuel surcharge waiver of 1% on spends of up to ₹200 each month

  •  Get 25% off on Paytm movie tickets, up to ₹100 once a mont

IDFC FIRST Millennia Credit Card

Nil

Nil

  • Get a ₹500 voucher on spending ₹5,000 or more within the first 30 days of card issuance

  •  Earn reward points that you can redeem anytime as they never expire

IDFC FIRST Wealth Credit Card

Nil 

Nil

  • 10X Reward Points on eligible spends

  •  Pay pocket-friendly mark-up charges of just 1.5% on purchases made internationally.

IDFC FIRST Wow! Credit Card

Nil 

Nil

  • With an FD-backed credit limit equal to your fixed deposit amount, get instant approval

  •  Enjoy a 45-day interest-free period on transactions

 IDFC FIRST SWYP Credit Card

₹499

₹499 

  • Receive EaseMyTrip discount coupons worth ₹2,100 upon paying the joining fee

  •  Receive 10% off, up to ₹100, on Zomato orders above ₹299, available twice a month

 IDFC FIRST Power Credit Card

₹199

₹199 

  • Save up to 5% on your fuel expenses

  •  Get 2.5% off when you complete the IDFC FIRST Bank FASTag recharge

IDFC FIRST EA₹N Credit Card

₹499

₹499 

  • Get a 25% instant discount, up to ₹100, on movie tickets

  •  Earn 5% cashback, up to ₹1,000, on your first EMI transaction within the first 30 days

Kotak League Platinum Credit Card

Nil

Nil 

  • Get rewarded with 4 free PVR tickets or 10,000 reward points by spending ₹1.25 Lakhs every 6 months

  •  Earn up to 8 reward points for every ₹150 spent on all categories

IndianOil Kotak Credit Card

₹449

₹449 

  • Earn 4% back as reward points on fuel purchases at IndianOil stations, up to ₹1200 per month

  •  Get 1,000 reward points upon spending ₹500 within 30 days of card issuance

Zet Credit Card

Nil

Nil 

  • Earn up to 7% interest on your secured, RBI-insured fixed deposit (FD)
  •  Enjoy discounts of up to 20% on leading brands such as Amazon, Flipkart, Myntra, and more

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Basis the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.

Frequently Asked Questions

Credit Card
What is a credit card number?

A credit card number is a 16-digit numerical identifier assigned to your card. It plays an important role in any financial transaction done through your card. The digits indicate the following and in the sequence as given below:

  • Card category or industry (E.g. Travel)

  • Issuer 

  • Unique account number 

  • Digits for security

This depends purely on your requirements from your credit card. If you would like instant cashback, you can opt for a cashback credit card. If you want to earn reward points and redeem them later, you can choose a rewards card.

It is the duration between the date when you have made your purchase and the due date of your next billing cycle. This is the period where you will not incur any interest on your balance. However, to avail of this, you must pay the full due amount on or before the due date.

You can choose to use your card up to the limit. However, it is important to note that maxing out your card every month will affect your credit score as it increases your credit utilisation.

Your credit cards bill payment behaviour is recorded in your credit history and affects your credit score. Not paying credit card bills on time will bring your score down. Timely payment will help you maintain or improve your score.

To choose the right credit card, first identify your requirements and the benefits you seek to avail. Then, you can apply for a card in a specific category, such as travel, shopping, rewards, entertainment or others. Make sure you are eligible for a card before you apply.

Yes, applying for a credit cards online is completely safe as long as you choose a trusted platform.

On Bajaj Markets you can compare credit cards with ease and apply easily online. It being a secure platform, your data remains safe too.

Credit cards allow quick access to funds. You can opt for the cash withdrawal option or get a loan using your credit card to tide over an emergency.

Be careful not to view your credit cards as a source of unlimited funds as you will need to pay bills on time. If you delay the payment, your credit score can decrease, and you would incur hefty interest.

The billing cycle is important as it determines when your bill is due. By ensuring the cycle suits your finances, you can pay your bills on time, avoid interest, and boost your credit score.

Some industry experts recommend keeping your credit cards utilisation ratio below 30-40%. Having a high ratio constantly can negatively impact your credit score.

You can log into your credit card account via the mobile app or online account of the card provider and redeem your points. The exact process varies as per the issuer.

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