Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    How to Apply for Credit Card through BankBazaar

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    Apply for Credit Cards Online

    With the coming in of the World Wide Web, resulting in simplification of a number of procedures, more organizations are resorting to the internet in order to get their work done. From groceries, to financial services, customers can procure all products and services online. Similarly, a number of financial services also offer customers the option to procure their products and services online, such as credit cards and loans.

    In order to apply for credit cards online, customers can visit the webpages of their chosen bank or visit other popular financial portals, such as BankBazaar, and apply for their credit cards online.

    How to Apply Credit Card Best Credit Cards Compare Credit Cards Understanding Credit Card

    Credit Cards at BankBazaar

    Banks Banks Credit Cards Rewards Offered
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    CitiBank

    Citi Cashback Card
    • Rs.1200 cash back on a domestic flight booking through MakeMyTrip.
    • 5% cash back on select purchases.
    • 0.5% cash back on other purchases.
    Citi Rewards Card
    • Rs.1200 cash back on a domestic flight booking through MakeMyTrip.
    • 10 Reward Points on every Rs.125 spend on purchases from certain stores.
    • 1 Reward Point on every Rs.125 spent on other purchases.
    • 1,000 Reward Points on every Rs.1 lakh spent each quarter.
    Indian Oil Citi Platinum Card
    • Rs.1200 cash back on a domestic flight booking through MakeMyTrip.
    • 4 Reward Points for every Rs.150 spent at specific e-stores and fuel.
    • 2 Reward Points on every Rs.150 spent on supermarket and grocery purchases.
    • 1 Reward Point for every Rs.150 spent on other purchases.
    Citi PremierMiles Card
    • Rs.1200 cash back on a domestic flight booking through MakeMyTrip.
    • 10 Reward Points on every Rs.100 spent on Airlines.
    • 4 Reward Points on every Rs.100 spent on other purchases.

    HDFC Bank

    JetPrivilege HDFC Bank Diners Club
    • 24 Reward Points on every Rs.150 spent on Jet Airways.
    • 8 Reward Points on every Rs.150 spent on retail purchases.
    HDFC Bank Regalia Card
    • 1000 Reward Points with a maximum of Rs.1000 cashback.
    • 8 Reward Points on every Rs.150 spent at the HDFC Regalia website as well as dining.
    • 4 Reward Points for every Rs.150 spent on other purchases.
    JetPrivilege HDFC Bank World Card
    • 18 Reward Points on every Rs.150 spent on Jet Airways.
    • 6 Reward Points of every Rs.150 spent on retail purchases.
    HDFC Bank Diners Premium Card
    • 8 Reward Points on every Rs.150 spent at the HDFC Diners Club website.
    • 4 Reward Points on every Rs.150 on retail purchases.
    HDFC Bank Diners Rewardz Card
    • 6 Reward Points for every Rs.150 spent at the HDFC Diners Club website.
    • 3 Reward Points on every Rs.150 spent on retail purchases.
    HDFC Bank MoneyBack Card
    • 4 Reward Points on every Rs.150 spent on shopping online.
    • 2 Reward Points for every Rs.150 spent on retail purchases.
    HDFC Bank Titanium Times Card
    • 5 Reward Points on every Rs.150 spent on dining on weekdays.
    • 2 Reward Points for every Rs.150 spent on other purchases.
    HDFC Bank Platinum Times Card
    • 10 Reward Points on every Rs.150 spent on weekdays for dining.
    • 3 Reward Points for every Rs.150 spent on other purchases.
    Snapdeal HDFC Bank Card
    • 6 Reward Points on every Rs.150 spent on shopping from Snapdeal.
    • 4 Reward Points on every Rs.150 spent on a category of the customer’s choice.
    • 2 Reward Points on every Rs.150 spent on other purchases.

    State Bank of India

    SBI Simply Save Card
    • 10 Reward Points on every Rs.100 spent on Movies, Dining, Departmental Stores and Grocery spends.
    • 1 Reward Point for every Rs.100 spent on other purchases
    SBI Simply Click Card
    • 10 Reward Points for every Rs.100 spent on online purchases with exclusive purchases.
    • 5 Reward Points for every Rs.100 spent on other purchases online.
    • 1 Reward Point for every Rs.100 spent on other purchases.
    SBI Card ELITE
    • 10 Reward Points on every Rs.100 spent Movies, Dining, Departmental Stores and Grocery spends.
    • 2 Reward Points for every Rs.100 spent on other purchases.
    • 2 movie tickets free per month.
    SBI Platinum Card
    • 10 Reward Points for every Rs.100 spent on Movies, Dining, Departmental Stores and Grocery spends.
    • 2 Reward Points for every Rs.100 spent on other purchases.
    • When customers spend over Rs.4 lakhs per year on their card, they receive either a one way ticket for domestic air travel, for free or an apparel voucher worth Rs.3000.
    Air India SBI Platinum Card
    • 10 Reward Points for every Rs.100 spent on tickets from Air India.
    • 2 Reward Points for every Rs.100 spent on other purchases.
    Air India SBI Signature Card
    • 20 Reward Points for every Rs.100 spent on tickets from Air India.
    • 4 Reward Points for every Rs.100 spent on other purchases.

    American Express

    The American Express PAYBACK Card
    • Rs.3,000 worth gift vouchers on joining.
    • 900 Reward Points on procuring the card once customers spend Rs.15,000 on the card and within 60 days of approval of card.
    American Express Platinum Travel Card
    • No perks on joining
    American Express MakeMyTrip Card
    • 2 vouchers from MakeMyTrip that are worth Rs.1,000 on joining.
    American Express Platinum Reserve Card
    • 11,000 Reward Points on joining
    American Express Gold Card
    • Rs.1,000 Statement Credit will be provided once customers join.
    Jet Airways American Express Platinum Card
    • 10,000 Reward Points will be procured on joining.

    IndusInd Bank

    Jet Airways IndusInd Bank Voyage American Express Card
    • 6 Reward Points on every Rs.100 spent on tickets from Jet Airways.
    • 3 Reward Points for every Rs.100 spent on other purchases.
    • 12 Reward Points for every Rs.100 spent on tickets from Jet Airways during the weekend.
    • 6 Reward Points for every Rs.100 spent on other purchases during the weekend.
    Jet Airways IndusInd Bank Voyage Visa Card
    • 3 Reward Points for every Rs.100 spent on purchases during the weekend.
    • 2 Reward Points for every Rs.100 spent on other purchases during weekdays.
    • 12 Reward Points for every Rs.100 spent on tickets from Jet Airways during the weekend.
    • 6 Reward Points for every Rs.100 spent on other purchases during weekend.
    IndusInd Bank Chelsea FC Card
    • No perks on joining.
    IndusInd Bank Signature Card
    • No perks on joining.
    IndusInd Bank Platinum Card
    • No perks on joining.

    Axis Bank

    Axis Bank Privilege Credit Card
    • Voucher from Yatra worth Rs.5,000 on joining, when customers make three card swiped within 30 days of procuring the card.
    Axis Bank My Zone Credit Card
    • When customers make their first online transaction after joining, they receive 100 Reward Points.
    Axis Bank Neo Credit Card
    • BookMyShow voucher worth Rs.200 and Myntra voucher worth Rs.500 for free on joining
    Axis Bank My Wings Credit Card
    • 100 Reward Points on joining.
    Axis Bank Miles & More World Credit Card
    • 5,000 Miles on first transaction, after joining.

    Kotak Mahindra Bank

    Kotak Royale Signature Credit Card
    • No perks on joining.
    Kotak Delight Credit Card
    • No perks on joining.
    Kotak PVR Gold Credit Card
    • No perks on joining.
    Kotak PVR Platinum Credit Card
    • No perks on joining.

    HSBC Bank

    HSBC Visa Platinum Card
    • 6 Reward Points when customers spend Rs.150 on telecom, hotels and dining categories for the first 12 months.
    • 10 Reward Points for every Rs.150 spent on purchases worth over Rs.4 lakhs each year. Maximum amount that can be spent is Rs.10 lakhs per year.
    • 2 Reward Points for every Rs.150 spent on other purchases.

    How to Apply for Credit Card Online Through BankBazaar (Step by Step Process)

    BankBazaar is one of India’s leading financial portals that allow customers to compare rates and products across a number of financial companies, enabling them to make better choices at their convenience.

    Customers can apply for credit cards on BankBazaar by following the easy steps given below. Customers can also look for the option that is most suited to them and check their eligibility for the same.

    Applicants will have to follow the steps given below, in order to apply for credit cards online through BankBazaar.com.

    • Applicants will have to visit the BankBazaar homepage and in the centre of the page, they will find a drop down menu with two options.
      • Depending on their requirements, they will have to choose the applicable choice in the first option which is ‘I would like to’. These options under this dropdown are - ‘Do research on’, ‘Get a quote on’, ‘Check my eligibility for’, ‘Create an application for’, ‘Talk to our help team’.
      • The second drop down option contains the list of products that BankBazaar offers. Applicants should choose the option ‘Credit Cards’.
    • In order to apply for a credit card, customers should opt for ‘Create an application for’ in the first dropdown and choose ‘credit cards’ in the second.
    • In case they wish to do some more research regarding their products or find more options, they will have to opt for ‘Do research on’ in the first dropdown option and choose ‘credit cards’ in the second. Additionally, customers can also choose ‘Credit Cards’ under the ‘Cards’ option that is present on top, in the homepage.
    • If customers choose the above option, they will be directed to a page wherein they will be presented with four options - ‘Compare Cards’, ‘Get a Card’, ‘User Reviews’ and ‘Hungry for more?’.
    • On this page, below these options, customers will also be presented with the list of available cards along with information regarding their annual fee for the first year, rewards offered, perks available on procuring the card and the approximate time that is needed to receive a response.
    • In case customers are interested in a particular card and wish to know more about it, they can click on the ‘Explore’ option, wherein they will be taken to a page which has details of the card.
    • If customers wish to avail that particular credit card, they can click on the ‘Check Eligibility’ option. Applicants will be redirected to another page.
    • Customers will be asked to provide the name of the city in which they are residing. In case they reside in one of the metros, they can go ahead with the options given or else they will have to type the name of the city that they reside in.
    • Next, they will have to enter the name of the company that they work for. In case that particular company is not in the list, they can still type the same. If the applicants are self-employed, they will have to choose the relevant option.
    • On the next page, applicants will have to mention the particulars of their salary. They will have to enter the amount. The salary that they mention should only be the net income without the bonuses and perks.
    • Next, applicants will have to mention the name of the bank wherein their salary account is held.
    • In case they already have a credit card, they will need to mention the name of the bank that issued the card. In case they do not use any credit cards, they will have to click on ‘None’. After this, customers will have to mention their date of birth including the month and year.
    • The customers will then be directed to a page where they will have to provide BankBazaar with their contact details. However, if they do not wish to do so, they can click on the ‘View Free Offers’ option, present below.
    • Based on the details that have been mentioned, customers will be provided with a list of cards that they are eligible for. If they find a card that they are interested in, they can either ‘Shortlist’ it or select the card.
    • If applicants wish to shortlist a card, they will have to log in to the website using their credentials or create an account if they do not have one. Customers also have the option of logging in through Google or Facebook.
    • If individuals choose a ‘Select Card’ option, they will be able to apply for that particular card. They will have to enter all required details for the same.
    • In addition to the above, applicants will also have to provide details such as - if they have defaulted on a credit card or loan or if their cheques have bounced in the past few months, if they have applied for that particular credit card in the previous 6 months.
    • Customers will also have to agree to certain conditions such as receiving online statements, emailers or their enrolment into certain loyalty programmes.
    • When they reach the end of the form, they can either click on ‘Save Now’ option and save this draft, or they can click on ‘Submit’ and apply for the credit card.
    • When they apply, customers will receive a reference number for their application along with an SMS message, call and an email from the BankBazaar team, confirming the same.
    • This application will be first processed by BankBazaar and will then be handed over to the respective bank, who will then contact the individual.
    • Customers can set up an account with BankBazaar so that they can track their application at all times.

    Choosing the Best Credit Card:

    Using the filters and sorting options on ‘Compare cards’ at BankBazaar, you can select the kind of credit card that is best suitable for you. The kinds of credit cards available on our website are:

    Rewards cards:

    Rewards cards focus on bringing you higher points from the bank’s reward or loyalty programme. Each bank has its own rewards programme. BankBazaar lists the opening rewards the credit card offers against the card name as well as details of regular rewards on each swipe of the card.

    Premium cards:

    Premium credit cards are high-end cards that offer a greater value for the money you spend through your credit card. These cards offer higher rewards, free services, specialised privileges such as health and wellness offers and membership, dining discounts, and concierge and lounge access at airports. There are also ultra-premium cards that offer customised services to clients and are often offered based on an invite-only membership.

    Airline cards:

    Airline credit cards provide air miles to customers and is ideal for frequent travellers. Airlines such as Jet Airways and Air India have partnered with banks such as HDFC, ICICI and SBI to provide joining bonuses, conversion of rewards points to air miles and discounts on travel websites such as ClearTrip, Yatra and MakeMyTrip.

    Lifestyle cards:

    Lifestyle credit cards focus on providing customers with exclusive benefits on lifestyle services such as fine dining, travel, hotel bookings, flight tickets, fuel purchases, health and wellness rebates, free movie tickets, etc.

    Fuel cards:

    Fuel credit cards help you to save money while using your card to buy fuel. Every time you buy fuel with credit card, you can get higher reward points and cashback than when swiping for regular shopping.

    Shopping and cashback cards:

    These cards are specifically for people who love discounts when shopping. Even if a store does not offer concessions, shopping credit cards will give you cashbacks and exclusive discounts on selected outlets and brands. Cashbacks are available on grocery shopping, apparel shopping, utility bill payments, movie ticket purchases, etc.

    Many credit cards also give the option to convert purchases into EMI, waiver of fees and other customized benefits. All the relevant details can be found under the ‘Explore’ option available under each card listed on BankBazaar.

    How to Compare Credit Cards on BankBazaar

    Once customers visit the ‘Credit Card’ page, they will find an option titled, ‘Compare cards’. A drop down will indicate various filters. Using these filters, customers can compare cards based on the selected criteria. These filters include - Name of the Bank, Type of Rewards available, Fee for the first year and Networks. Just below these filters, customers will be able to see a list of all the credit cards that are available with their basic details as well. They can either click on the ‘explore’ option to procure information about the card or they can check their eligibility for the same.

    • Customers can filter the credit cards (of course it might be inconvenient to go through so much information!) on the basis of Banks, Rewards type, 1st-year fee and Networks.
      • Currently, there are credit cards from 8 different banks - Citibank, HDFC Bank, IndusInd Bank, Kotak Mahindra Bank, American Express, SBI, HSBC Bank and Axis Bank. Customers can select the bank(s) of their choice.
      • The ‘Rewards type’ includes Rewards points, Airline cards, Premium cards, Fuel cards, Lifestyle cards, and Shopping and Cashback cards. Applicants can choose the card that is most suited to them, based on their requirements.
      • 1st-year fee can be selected using the slider to adjust the amount, or entering the amount in the column and clicking on ‘Done’.
      • Networks service providers such as Visa, AMEX, MasterCard and Diners Club International can also be selected as a filter.
    • Applicants can also sort the cards based on the 1st-year fee, Popularity or Joining Perks. The ‘Filter’ and ‘Sort By’ allow them to find the exact type of cards that they are looking for, instead of spending time looking through something that is unnecessary.
    • The ‘Explore’ option against a credit card will open up more details about the card. This information includes Features and Benefits of the card, User reviews, Eligibility, Documents required, Fees and charges and frequently asked questions.
    • If customers require details in brief, then they can also click the small ‘Details’ tab below the card name.

    Understanding Credit Card Better

    Credit cards are one of the most beneficial financial products that can be availed by individuals. Credit cards are convenient, allows customers some measure of freedom when it comes to finances, and also offers a number of additional perks and privileges such as Reward Points, gift vouchers and other offers.

    However, prior to procuring a credit card, customers must understand their necessity and also the requirements that they have, with respect to their financial status. For example, if an individual is a frequent traveller, then he/she can procure a credit card that offers perks related to the same, such as additional Air Miles or discounts on tickets. Examples of such a card include the Air India Signature Credit Card by SBI or Jet Airways IndusInd Bank Voyage Visa Card. Additionally, if customers spend a lot on dining or restaurants, then cards such as the SBI Platinum Card or the HDFC Bank Diners Rewardz Card can be availed.

    In order to apply for credit cards through BankBazaar, customers will only have to opt for the card of their choice, provide their details such as date of birth, salary, place of residence and so on and find out their eligibility for the same. Once they are deemed to be eligible, they can apply for the card online. They can also find out all the information regarding each of the cards that can be applied for, through BankBazaar.

    If customers use their credit cards very sparingly, then they can opt for cards that do not offer too many rewards that may not be used.

    Credit cards are highly advantageous, but it is also up to the individual to utilise these cards in the right way so that the maximum benefits can be availed.

    Conclusion

    Procuring credit cards is quite an easy task now, thanks to the internet. Customers can apply for credit cards, by choosing from a wide array of cards on BankBazaar. Applying for credit cards through BankBazaar is highly advantageous for a number of reasons. Customers can apply online for a number of cards from different banks after choosing the card that is most suited to them, thanks to the option for comparison of cards.

    This entire process is also hassle free and can be done from the comfort of their homes through their laptops or mobile phones. Customers can look for popular credit cards on the website and also the rewards and perks that they offer, before making a decision to apply for a card. Additionally, customers can also check if they are eligible for a particular credit card or not. The above advantages are just some of the few offered by BankBazaar for its customers. By making use of them, applicants can easily get the credit card that they require in a very quick and easy manner.

    Reasons Why Credit Cards Are Declined

    “Your Credit Card was declined.” Was your perfect dinner ruined by these words? It’s important to know how your Credit Card works. Let’s give you some reasons why your transactions could be declined.

    Credit Limit

    Overshooting the credit limit on your card will result in a failed transaction. Keep your spending in check. Now that’s a wise thing to do.

    Is That Correct?

    If you play at guessing your card number or CVV, your transaction will not go through successfully. Trying it three times is not lucky here. Your Credit Card could be blocked.

    Fraud Protection

    Picture this. You usually use your Credit Card to make bill payments. Then you decide to go on a shopping spree. Your card issuer may notice this change in your spending habits and block your card. Just to protect it from fraud usage.

    Where Did You Buy That? Abroad?

    Travelling abroad? Did you activate international usage on your Credit Card? Inform your card issuer if you are travelling overseas. That’s a good idea if you don’t want your international transactions to get declined.

    Now that you know why your Credit Card may be declined, why not choose a card from our awesome range of offers?

    Using Your Credit Card Abroad

    Thinking of going abroad? Shopping becomes all the more fun with a Credit Card. We’ll give you a checklist of what to keep in mind when you use your Credit Card overseas.

    Apply Now

    Foreign Transaction Fee When you use a Credit Card abroad, 2-3% of the bill amount is charged as foreign transaction fees. Choose a Credit Card that has a lower foreign transaction fees or better yet, one that doesn’t charge this fee.

    Using Your Credit Card At An Overseas ATM

    If you use your Credit Card to withdraw money from an ATM abroad, you may need to pay a fee. Choose a card that does not charge excessively for withdrawing money in foreign countries.

    Foreign Currency Conversion Fee

    When you make a transaction outside India on your domestic Credit Card, you will need to pay a foreign currency conversion fee. Double check all your transactions.

    Check All The Charges

    Let’s make this easy. There are three important charges on overseas transactions. A foreign currency conversion fee which ranges between 3-5%, a foreign transaction fee which ranges between 2-3% and a cash advance charge which ranges between 1-3%. If you don’t like surprises in your bill, remember to confirm these charges before you swipe your Credit Card.

    Before you take off, don’t forget to inform your Credit Card issuer that you will be using your card abroad. Are you still looking for the perfect Credit Card to take on your trip? We have so many on offer, check them out.

    Ever thought why you can’t manage your Credit Card expenses well?

    It’s no rocket science really! Here’re ways of doing it like a pro:

    Text Message/Email Alerts

    Ignoring all emails and texts from your Credit Card issuer? You’re doing it wrong, mate! Keep a regular check to beware of frauds/unusual activities.

    Check It Online

    Haven’t registered for online banking? Do it now! Develop a habit of checking your recent transactions online. Also, use login credentials that are easy to remember.

    Contact Your Bank

    Multiple Credit Cards? They’re hard to manage. Worry not! Talk to your bank & request to set their payment due dates far from each other.

    Rely On Technology

    Do you have a smartphone? You’re sorted! Download a money management app & track all your expenses.

    Enough lessons for the day. Choose the right Credit Card now.

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