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Apply for the Best Credit Card to Enjoy Shopping Time in India


Credit cards circulation in India touched a new high of 48.9 million in FY 2019-20, a 27% spike from 38.6 million in FY 2018-19 – as sourced from the RBI. This 27% growth has fuelled up new business opportunities as UPI, and mobile wallets managed to grab the attention of policymakers. This is not just an indication of escalating digital payments, but also an expansion of retail borrowers into the ecosystem.

The total value of credit card transactions also shot up. Between FY 2018 and 2019, card users spent over Rs. 6 Lakh Crore. It indicates a 30% higher usage from Rs. 4.6 Lakh Core in FY 2018-19.

To cash in this booming market, numerous financial institutions and NBFCs are rolling out millions of credit cards with unique features and benefits. So, if you are considering to opt for a credit card apply online procedure, now is an opportune time to join the millions of credit card users.

Credit card application procedure

To opt for a credit card apply online procedure, follow these simple steps:

Step 1: Fill up the online credit card application form with personal details such as name, email ID, contact number, etc.

Step 2: Submit the KYC documents like a Voter ID card or Aadhaar card, income and address proof along with passport-sized photographs.

Step 3: Make the payments online and wait for the card to arrive via post. You can also place a call at credit card customer care number to enquire regarding the details.

By applying for a credit card online in these 3 steps, you can enjoy its numerous features and benefits. Be sure to make the bill payments on time to avoid penal charges on your credit card. If you hold an excellent CIBIL score of 750 or above, expect issuance of a card with a higher credit limit.

Features and benefits of a credit card

 Availing a credit card comes with numerous benefits like –

  1. Receive 20000 reward points as a welcome gift.
  2. Earn reward points with every transaction you make.
  3. Enjoy cash withdrawal from ATMs with 0% interest for up to 50 days.
  4. Draw an emergency personal loan against your unutilised credit limit for up to 90 days at 0% interest.
  5. Convert your big-ticket expenses into manageable EMIs.
  6. Enjoy added benefits like shopping vouchers, cash backs with every purchase.
  7. Earn loyalty points and redeem it to enjoy exclusive privileges such as airport lounge access, free movie tickets, air miles, fuel surcharge waiver, and many more.
  8. Improve your credit score with timely repayments.
  9. Enjoy robust security features like ‘in-hand security’ and ‘zero-fraud liability cover’.

The best credit card in India

There are numerous credit card options in India to choose from – each with its set of innovative features and advantages. One such option is a Bajaj Finserv RBL Bank SuperCard that comes loaded with industry-first features. It not only takes care of one’s everyday cash requirements but also acts as a dependable tool in time of financial emergency.

Further, the existing customers of the provider can avail pre-approved offers. These pre-approved offers streamline the process of availing finances and provide customers with a plethora of benefits. Pre-approved offers are applicable on credit cards, personal loans, business loans and home loans among numerous other financial products. By sharing a few necessary details, you can check your pre-approved offer.

Eligibility criteria to apply for a credit card

Individuals considering to opt for a credit card apply online procedure must make sure to qualify these eligibility requirements –

  • Aged between 25 and 65 years.
  • Hold a credit score of at least 750.
  • Possess a stable income.
  • Must not be a defaulter.
  • Must be an Indian citizen.
  • Should be residing among the credit card live locations in India.

Following this guideline will help you to choose the right credit card for yourself. If you need more help call at credit card customer care number. Credit cards are a valuable financial tool enabling cardholders to make purchases on credit. With a credit card, you can engage in online shopping, purchase home appliances, pay for utility bills and cover all other expenses conveniently.

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