my offers

How about checking some pre-approved offers you might be eligible for?

my offers

How about checking some pre-approved offers you might be eligible for?

  • Mobile No.
  • Date of birth

You have a pre approved offer

  • Sum Assured
    Persons Covered
  • Rate

Currently, we do not have a personalized offer for you but don’t be disheartened. Check out our oven fresh deals of the day here!

We have 02 personalised offers for you

Currently, we do not have a personalized offer for you but don’t be disheartened. Check out our oven fresh deals of the day here!

my offers

Credit Card

Credit Card
Perfect Credit Cards
that let you do more!
Greater Convenience | Interest-free Personal Loan | Easy EMI Facility

  • Overview
  • Our SuperCards
  • Offers

Whether you’re looking to buy the latest smartphone or need immediate financial assistance, having a Credit Card at hand helps. Given the plethora of options available across banks, how does one apply for credit card online? That’s rather simple – choose one that meets your requirements while going easy on interest rates and other such charges. Read everything you need to know about Credit Cards and choose for the best credit card for you & apply for a Credit Card that best suits your needs today!

Types of Credit Card

Shopping Credit Card

The name says it all - Shopping Credit Cards are 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 Shopping credit cards that provide offers and rewards on specific brands or stores. Shopping Credit Cards are typically affordable with a starting annual fee of Rs.500. The benefits offered on the cards including the welcome gifts, reward points, deals and discounts, etc., revolve round the shopping category.

Travel Credit Card

The travel Credit Cards are best suited 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 of 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 best credit cards offered by most banks and is considered to be 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 exclusive credit card offers and discounts on most of them. The Lifestyle 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

Fuel Credit Cards offer you great savings on your fuel expenses. We have partnered with the best in the Industry to 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, enabling you to keep your fuel expenses under check.

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!

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

With cyber-crime a reality, your credit Card comes with features that ensure safety against 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!

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.


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?


Step 1:

You have just completed your shopping at your favourite brand's outlet and use your Credit Card at the checkout counter. The storekeeper will 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 looks all right (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.


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.

Features and Benefits

  • 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 a simple way. 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 will be calculated depending on the rate of interest charged by the bank, the tenure you choose and the down payment which you provide. 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.

  • Utility Bill Payments

    Most credit cards can now be used to pay your utility bills! You can now recharge your DTH, pay your phone bills or even buy groceries all with convenience of your Credit Card.

  • 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.

All we need from you…

Eligibility Criteria
  • You must have a credit score of 750 and must not have defaulted on any credit card payments.
  • You must not be less than 25 years and not more than 65 years of age.
  • Your residential address must be in the list of locations where the credit card is being offered.
Documents Required
  • Identity Proof – Passport/Driving License/Voter ID/Pan Card/Aadhar Card.
  • Address Proof - Passport/Driving License/Voter ID/Pan Card/Aadhar Card/ Telephone Bill/Gas Bill/Post Paid Mobile Phone Connection Bill.
  • Passport size photograph
In addition to the above, you may be asked to provide additional documents for processing your new credit card application.

Why Credit Card from Finserv MARKETS?

Credit Card

Apply for a Credit Card online by following quick steps and avail benefits such as Interest-free cash withdrawal, Personal Loan on Credit Card, Reward points & discounts & much more. 

People also considered

EMI Card




Personal Loan


Manage all your queries here

  • ✔️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.

Happy Customers of Finserv MARKETS

Getting a loan to take care of my wedding and relieving my parents to enjoy the occasion was the best decision I ever made. Easy-to-apply, amazing interest rate and quick disbursal, what more can one ask for!

I am passionate about the vehicle I drive. I want to protect it with the best available option. What amazed me was the full transparency, quick quotes and the attractive discount on the premium while choosing the annual payment option!

Check your personal loan eligibility in seconds!

My husband and I will finally move into our own house this Diwali. All thanks to Finserv Markets, with competitive interest rates, minimal processing fees and easy to repay EMIs, our dream saw the light of reality in no time!

Get the best FD interest rates starting @ 8.40%. Let's start!

Kids grow up fast and to fulfill their dream trip to Disneyland I had everything but instant funds. With no collateral or guarantor required and a hassle-free processing, I gifted my family a memorable trip to Orlando with just a click!

Get sum insured up to 1 Crore! Let's start!

The best way to start looking for health insurance is to do a close study of the coverage needs and checking the insurance company's claim ratio. No unnecessary jargons, easy to apply claims process and choice of premium!

Zero additional charge on part-payment option on Business loans! Let's start!

I bought my first iPhone using my Bajaj Finserv EMI Network Card. Zero downpayment with a No cost EMI on Bajaj Finserv EMI store just made my day!

Get home loan sanctioned online in 72 hours! Let's start!