Apply for a wide range of Credit Cards on BankBazaar starting at 0 annual fees, offering many benefits such as shopping rewards, cashback, & discounts.
Apply for a credit card by comparing the best credit cards online. You can find credit cards offered by Top banks along with their features, benefits, fees, and latest offers, everything at a single place.
Credit cards are an essential financial tool that enables its holders to make purchases and have the luxury of paying back the amount later. A credit card comes with a bank-approved credit limit, and the holder must pay back the amount due on the due date, which is mutually decided by the bank and the holder.
Features and Benefits of a Credit Card
Welcome Gift
Many banks offer a welcome gift to new credit card applicants once the card is issued to them in the form of bonus reward points, vouchers & discounts.
Rewards Program
All credit cards generally have a reward program, allowing cardholders to earn reward points on every transaction they make using their cards.
Fuel Surcharge Waiver
Banks offers a fuel surcharge waiver to the cardholders on spending a specific amount of money on fuel every month.
Cashback Benefits
Many credit cards offer cashback benefits to the customers.
Lifestyle Benefits
Cardholders can enjoy various lifestyle benefits on their credit cards such as offers on dining, shopping, wellness & entertainment.
Travel Benefits
Travel benefits of credit cards include air miles, airport lounge access, travel insurance, airline offers, hotel & offers.
Airport Lounge Access
Some credit cards offer complimentary airport lounge access to the cardholders. The offer varies from one bank to another.
Your spending pattern: Your monthly spending pattern is a significant factor in choosing the right credit card.
The reward type: Credit cards offer rewards in terms of cashback, rewards points & air miles.
Fees and charges: Compare the interest rate on different cards and the fees and charges that apply.
Offers on the card: Some cards have great offers and discounts when you use them to shop on a particular website or when you use it in a specific store.
Welcome bonus or gift: Some banks offer welcome gifts and joining bonuses on applying for a credit card. Gifts could be the latest gadget or bonus points and miles.
Payment options: Most cards will allow you to make payments via multiple channels.
You can apply for a credit card, both online and offline. Due to the COVID-19 pandemic, the credit card application process has been digitized, making it simpler and faster.
The Process to Apply for a Credit Card Online
You can Compare & Apply for a Credit Card on BankBazaar by Following 4 Simple Steps:
Step 1 - Compare credit card offers
Step 2 - Select from the top cards offered by leading Indian banks
Step 3 - Check your eligibility by entering a few personal details
Step 4 - Enjoy instant approval online after filling out your application form
Alternately, you can also apply for a card online on the bank’s website by following these steps:
Step 1: Visit the bank's website.
Step 2: Explore the cards offered by the bank.
Step 3: Use the comparison tool if available to compare their features and benefits
Step 4: Select the card that is the right one for you and hit the 'Apply' button.
Step 5: Fill in the required details and upload all necessary documents.
Step 6: Submit your form.
Note: Each bank may have a different application procedure. Visit the bank's website for more details regarding how to apply for their card online.
Benefits of Applying for Credit Card on Bankbazaar
BankBazaar offers an end-to-end application process, wherein you can browse through most of the credit cards offered by various banks, compare and apply for the best credit card in just a few clicks.
Let's look at the perks that we offer for applying for a credit card through us.
Compare from a range of many credit cards.
A simple application process.
24x7 Customer Support.
Different Types of Credit Cards Offered by Bankbazaar
Shopping Credit Cards:
Shopping Credit Cards are typically affordable with an annual fee starting from Rs. 500. The benefits offered on the cards including the welcome gifts, reward points, deals and discounts, etc., revolve round the shopping category.
Lifestyle Credit Cards typically come with a high annual fee and joining fee, which of course, is worth spending for the privileges offered by the cards. Some cards also have low or no annual fee and are designed for low-income group individuals.
Fuel Credit Cards provide accelerated reward points on fuel spends, fuel surcharge waiver facility, reward points redemption against fuel purchases, and other value back benefits, enabling users to keep fuel costs under check.
Rewards Credit Cards - Get Rewarded While You Shop:
Rewards Credit Cards offer accelerated rewards on most of the spending categories. Credit card issuers provide a wide variety of redemption options ranging from gifts to air miles to cashback.
Travel Credit Cards – Make Your Holidays Budget-friendly:
Mostly providing air travel benefits, Airline Credit Cards are best suited for frequent travelleRs. The features and services offered on the cards revolve around air travel.
Always keep a check on the breakdown of all your contactless payments. This way, you can keep track of all your transactions and escalate any unusual activity.
If you need to initiate the payment on your own, make sure to hold the credit card flat on the payment area or the terminal.
Try to keep your contactless credit card in your wallet at all times. Most contactless credit cards do not require you to remove it from the wallet.
Things to Know Before Applying for A Credit Card
Credit Card Statement
A Credit card statement or (credit card bill) is generated every 30/31 days. The bill generation date depends on the date on which the card is first issued, and the same date will be followed for the subsequent months.
Besides the bill amount which is also called the outstanding amount on the card, the statement also provides a detailed history of all the transactions conducted during the billing period.
It also reflects the total credit limit, available credit limit, cash limit, due date, and other related information. The statement is typically mailed to the cardholder’s registered e-mail address every month. However, if the total outstanding balance is less than a certain cut-off, say Rs. 200, no statement will be generated.
In India, you cannot transfer money directly from your card to other bank accounts. However, you can always use third-party websites and apps to do the same. You can transfer money to other bank accounts using your debit card. This can be done via net banking and mobile banking.
The reward point system of credit cards allows you to earn reward points every time you spend on different purchases. The accumulated reward points can be redeemed for merchandise, air miles, gift vouchers, or cash. The reward points have an expiry date and the minimum points needed for redemption differs from one card to another.
Generally, the rejection of your application for a credit card will not directly impact your CIBIL score. Your CIBIL score is largely affected by default in payments and an unstable income source. You can always reapply for a new card once you have understood the reasons why your credit card application was rejected the first time and rectify the same. This can be done by paying off all dues.
Credit Card FAQs
How do credit cards work?
A credit card gives you a line of credit and you can use this to make balance transfers, all kinds of purchases, and cash advances. You will have to pay back the amount by the date specified by the bank. When you use a credit card, you have to keep in mind the minimum payment to be made every month by the due date.
What is credit card limit?
This is the maximum amount that one can spend on their card. When you have a high limit for the credit card, it allows you to spend more and this will help your credit scores.
Can I get a credit card online?
Yes, you can apply for a credit card online, once you go to the website of your preferred bank, or you can conveniently compare options and apply for one on BankBazaar.
What is the minimum credit score for a credit card?
A credit score above 650 is ideal to be able to get a credit card.
Can I get a credit card without a job?
Even if you do not have a job and have a pretty substantial cash inflow into your account every month or so, you are eligible for a credit card.
Can I get a credit card in one day?
Yes. Due to the online application system, your credit card application could be approved in one day. However, you will not get the physical credit card in one day.
Do credit cards come with any airport lounge benefits?
Yes, a lot of credit cards come with access to domestic and international lounges at airports.
Are there any benefits of having a credit card?
Yes, most credit cards come with a reward point system, where you earn a point every time you spend a said amount of money. You can then redeem these points for vouchers, cashback, or air miles.
How can I get a credit card for the first time?
If you already have a credit history, you can check your eligibility, choose a card that suits your lifestyle needs and apply for it on Bankbazaar. If you do not have a credit history, you can opt for a secure credit card usually offered against fixed deposits.
How many credit cards should I have?
The number, one should own is not fixed. It depends on your financial ability and your spending behavior. However, ensure to manage all the cards properly.
Can I get a credit card with a bad credit score?
Credit scores above 650 are generally deemed as good for credit card approvals. Scores below 650 are usually considered poor, and approval may be subject to providing security (collateral such as fixed deposits).
Which is the best and easiest way to apply for a credit card?
The best and the easiest way to get a credit card is to apply for it on a platform like Bankbazaar. You can compare the features, benefits, fees, interest rates etc. and then choose a card that best suits your needs.
Should I pay interest on all the purchases I make using a credit card?
No, you don't have to pay interest on all the transactions. However, if you're not repaying the due amount within the stipulated time, the unpaid due would attract interest along with all the new transactions, till the due amount is repaid in full.
What does 'minimum due' mean on a credit card statement?
The minimum amount due is the minimum amount a credit cardholder needs to pay in case he/she is not able to pay the total outstanding. It is typically 5% of the total outstanding amount on the card.
Do I need to pay a processing fee for a loan against credit card?
Yes, banks do charge processing fees for loans against credit cards. However, you need to pay a very nominal amount as a processing fee.
How many days will it take for a Credit Card to be renewed?
Credit cards are automatically renewed towards the end of the expiration period. A renewed card with a new expiration date is usually a month before the existing card's expiration.
How long are Credit Cards usually valid?
Credit cards issued in India are usually valid for a period of 3 years.
Does my credit card number change when I renew?
The renewed card usually has the same number as your expired card, but the new card's CVV number is different.
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 card issuer. However, a certain fee known as the foreign transaction fee will be charged for all the purchases made abroad.
If I make a late payment on my credit card, will it affect my credit score?
It depends on various factors - the number of days late, the number of instances and the amount due. Based on all this your credit card issuer would take a call about whether or not to report the same to the credit agencies.
Two million credit cards to be issued by Paytm over the next 18 months
Paytm has announced that it will be launching several co-branded credit cards for over two million customers over the next 18 months. The company is also designing ‘'Next Generation’' credit cards which will offer a host of features and services such as a a personalised spend analyser, insurance protection against fraudulent transactions, and one-touch services that enable one to block the card, update the address, or change the security pin instantly. The Paytm mobile application now also has a digital credit card application process that will help customers track their credit card application status instantly through the app. The app also allows customers to choose a convenient time for their documents to be collected from their doorstep. Paytm’s first co-branded credit card was launched in May 2009 in partnership with Citigroup, called ‘Paytm First’. On the Paytm co-branded credit cards, there will be no expiry date on the reward points that have accumulated. These reward points can be redeemed against products and other payments in the Paytm eco-system as well. The cashback will be offered as Paytm Gift Vouchers that can be used at any place. There will also be complimentary memberships across various lifestyle categories such as travel, dining, entertainment, and others.
20 October 2020
Axis Bank and Google Pay partner to launch a credit card
Axis Bank has partnered with Visa and Google Pay to launch the ACE Credit Card. The main reason for the launch of the card was the increase in the number of individuals who prefer to make payments digitally. Individuals who use the card can avail various benefits. A 5% cashback will be provided for any bill payments and mobile recharges. Cashback will also be provided for Ola, Grofers, BigBasket, Zomato, and Swiggy transactions. A 2% cashback will be provided for all other transactions as well. Any cashback will be directly deposited into the ACE Credit accounts.
15 October 2020
Co-branded credit card launched by ICSI and BFSL for Company Secretaries
A co-branded credit card has been launched by the Institute of Company Secretaries of India (ICSI) and BOB Financial Solutions Ltd. for Company Secretaries. The BoB-ICSI Diamond Credit Card comes with several conveniences and benefits for Company Secretaries. Some of the benefits offered by the card are insurance benefits, milestone-based rewards, utility payments, rewards on online spends, and domestic lounge visits at no extra charges. According to the MD and CEO of BFSL, the launch of the credit card is to recognise contributions made by Company Secretaries to help build a progressive India. BFSL is an NBFC that was launched in 1994.
06 October 2020
New credit card rules by the RBI effective 1 October 2020
The Reserve Bank of India has announced new guidelines for credit cards (and debit cards) that will enhance the security and convenience of using the cards. These rules will help to stem the rising cases of banking frauds and will be effective from 1 October 2020. According to the latest guidelines, users can now choose their preferences for contactless transactions, online transactions, and international transactions. Some of the options which can now be customised by users include spend limits and opt-out or opt-in services. This means that cards issued by banks will only have transactions enabled for Point of Sales (PoS) terminals and ATM domestic transactions. The limits on the cards can also be set by the users. Based on the risk perception, banks have been given the leeway to deactivate cards as well as reissue them. These guidelines are not applicable for gift cards and prepaid cards. RBI has also mandated that banks and other companies that issue cards should disable online payment options in the case of cards that have never been used for contactless or online transactions in India or internationally. This means that international transactions on cards will be enabled only at the request of the cardholder. The contactless facility can also be enabled or disabled by cardholders themselves. These options can also be changed from time to time through net banking or the card’s mobile application for more convenience to the user.
30 September 2020
New credit card rules to be implemented from 1 October 2020
The Centre has recently introduced certain changes in certain credit card rules in the country. As per the new implementation, credit card users will no longer be able to avail discounts at petrol pumps.
Previously, the oil companies had rolled out these offers and discounts for people to resort to digital payments over cash transactions. However, the Centre has decided to stop offering these discounts on payments through credit cards. However, the discounts on payments made through debit cards, and e-wallets will be continued to be offered for now.
28 September 2020
The government states that loan moratorium can be extended by 2 years
According to a circular given by the Reserve Bank of India, the moratorium for loan repayments can be extended by up to 2 years. Along with this, the central government has also submitted an affidavit which states that the National Disaster Management Authority has been apprised on the issues and has sent its feedback to the RBI.
The loans will include all kinds of retail products which are vehicle, home, agricultural, personal and crop loans. The central bank has also stated that credit card dues will also be included and eligible for the extension of the moratorium.
In May, the RBI had previously extended the loan moratorium till 31 August after the lockdown was lifted in the country.
02 September 2020
Federal Bank to launch an independent credit card within a year
A senior official of Federal Bank has recently quoted that the bank is looking forward to come up with its very own independent credit card product. This is supposed to be taken care of within another year. The bank is offering a co-branded SBI Card at present.
The bank will focus on its existing customer base which has more than 1 crore customers. The credit card will be primarily aimed at the existing customers of the bank who have a relationship. The bank is planning the launch of its individual credit card programme to fulfil the lending suite products of the bank.
26 August 2020
Petition filed in Delhi HC to extend the moratorium period for repayment of term loan and credit cards
On Monday, a petition was moved in the Delhi High Court to extend the moratorium period for repayment of term loan and credit cards. The PIL seeks the extension of moratorium for another year or until the COVID-19 situation normalises. In addition to this, it also seeks complete waiver of interest at savings bank rate of interest for advocates and the government to provide financial assistance to advocates enrolled with the Bar Council of Delhi for their survival.
25 August 2020
Federal Bank to launch an independent credit card in collaboration with Finserv
Federal Bank, a private sector bank in India has partnered up with Finserv, a payment services provider to launch their first independent credit card. Finserv will also be digitising the end-to-end the process of card application and issuance.
The solution will enable card issuing and processing with highly integrated functions which will result in the reduction of ownership costs, according to resources. Finserv will be offering its FirstVision service solution to the Federal Bank.
With the help of FirstVision, new solutions will be brought to the market at a faster rate and a lower cost with its service-oriented architecture and open APIs. With this partnership, Federal Bank will be outsourcing associated operational processes to Finserv as well.
14 August 2020
Punjab National Bank launches credit and loan facility for weavers
Punjab National Bank has launched a cash credit or loan facility for weavers which will be provided against their credit requirements. This is called the PNB Weaver Mudra Scheme or PNBWMS. Under this program, a credit card plan has been launched under the scheme of the Ministry of Textiles under which weavers can avail a loan of up to Rs.2 lakh. This can be availed by weavers in both rural and urban areas. It can be used flexibly for working capital or for investments. The scheme was launched just before National Handloom Day. Under the Shishu category, up to Rs.50,000 is available and under the Kishore category, anywhere between Rs.50,000 and Rs.5 lakh will be offered. The Government of India will extend financial assistance for credit guarantee fees, interest subsidy, and margin money subsidy. The government will bear the cost of up to 20% of the project cost for working capital up to a maximum of Rs.10,000 with the rest being borne by the borrower. After the loan is sanctioned, the margin money subsidy will be credited to the borrower’s account directly. These accounts will be covered under the credit guarantee schemes of various credit guarantee corporations.
10 August 2020
BFSL chooses Fiserv.Inc to enable the digitization of their end-to-end card issuance
Bank of Baroda’s credit arm known as BOB Financial Solutions Limited (BFSL) has chosen Fiserv.Inc for digital transformation. Fiserv.Inc is a global provider of payments and financial services technology solutions. BFSL will utilize Fiserv’s First VisionTM to advance its digital strategy and keep pace with the rapidly changing consumer expectations.
First VisionTM is an end-to-end managed services solution that enables card issuing and processing with global economies of scale and integrated capabilities that span the card lifecycle and facilitates rapid application development. It will help in bringing new capabilities to the market quickly and at a lower cost. The SaaS solution is hosted locally and enables card processing for major issuers across the country.
The MD and CEO of BFSL was hopeful that Fiserv’s scalable and integrated technology will enable them to deliver the experience its customers expect as they accelerate the launch of new products and services.
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I got RBL card offer from BAJAJ Finance. I have been using this card past 10 months which is a life time free card. The credit limit is sufficient of 55K. EMI conversion is avail and I can convert via mobile app whenever required with nominal charge. I use this card for general purpose. Based on usage I get points but not yet redeem it.
SBI credit card have offers and reward points but I have not redeem them yet, this is a domestic card, the credit limit is of 50000 which I am very much satisfied as per my need. I got my statement on time. I used this card for personal purposes.The card is very user friendly.
I am using SBI credit card for more than three months, there are some reward points and offers in the card. I used this card for online shopping, fuel surcharge and groceries.The credit limit of the card is sufficient and I like the most about the card is that it is a life time free card and very good to use.
The bank agent suggest me to take credit card from INDUSIND and I have taken it because it doesn't have any annual fee. The offer and reward points are available in the card are good. I am satisfied with the limit of the card. I used the card for general purposes. But it will be nice, if the offers and reward points will be more.
I am using INDUSIND credit card for 3 months. The card have no offers available and also there is no rewards. The only benefit is that its a life time free card and the credit limit is only for 75000 I am not that satisfied as i expected to get around 1.5 lakh. Apart from the limit over all experience is good.
I have got INDUSIND credit card few months ago and I have used it for two months now ,the credit limit of the card is Rs.70000 which is a life time free card. The bank have informed me every details about the reward points and offers but I have not got any time check it. I am satisfied with their card service.
Am having ICICI credit card for two years, I feel good and have not face any issues. The best part about the card is its a life time free card. I used to get my card statement on time. I used this card for shopping, groceries and for many other personal purposes.I am using the bank mobile app which function smooth and simple.
I have used SBI credit card for 2-3 months, but I have not got any time to check about the offers available in the card. The limit of the card is 38000 and I am satisfied because its a life time free card. I used to get my card statement on time and the net banking is also working very well.
Since it is a life time free card offer from INDUSIND so I chosen it and applied through online. I received a call on time and they have done the verification process. Hence I received the card by 7 days, the credit limit is okay for me. Its easy to use for all purposes.
CITI has provided good offers and benefits on 2 months before. So I chosen this card and applied through online. It is annual fee chargeable of 500 rupees bu there is waiver off option if I spend 30K within a year. The credit limit is 65K. There is EMI conversion avail for this card.
Was this review helpful?
83
SHIVARAJ MAHENDRAN
, coimbatore
Reviewed on Mar 21, 2020
I have used credit card from HDFC bank for 1 year which is very good and also very comfortable, its a life time free card and lots of offers are available in the card. This card was suggested to me by my colleague. Mobile banking also functions very smooth.
INDUSIND bank credit card have an credit limit of of Rs.75000, there is no offers available in the card and it also have a charges of 3000 along with GST. I hardly receive any remainder messages for my bill payment due to that some time I could not pay my bill on time. I would advise them send my bill on time before the due date.
I have been using ICICI card for more than one year. They have provided an annual fee chargeable card and waiver off option is applicable. The credit limit is okay of 50K. Since I need to do purchase about 45K on some of the month so this limit is not sufficient. I swipe the card for travel, shopping and fuel purposes. I have not opted for EMI conversion.
I have been using AXIS bank credit card for 3 years, Its a life time free card so I applied the card through bank. The agent have informed me everything about the card. I used to get offers of 10% on petrol bunk and shopping.The limit of the card is Rs.45000 and I used to pay my bill directly through bank.I am also using their net banking which is very good.
I got INDUSIND credit card from few months ago.The card have an EMI conversion. I used the card for multi purposes like shopping, online payment, ticket booking. This is annually chargeable card, I am not satisfied with the credit limit of Rs.75000 as I am expecting more than than 1 lakh.
I got a life time free card offer from INDUSIND bank hence applied through online on three months back. I received the call on time and the process was done on smooth. I got the card on exact time frame. The credit limit is sufficient and they provided good offers and benefit as well.I use this card for shopping and travel purpose.
RBL credit card is a chargeable card, I always have to go to Bajaj Finance to pay my credit card bill. I am not satisfied with the customer service which has to be improved. I used this card when ever needed for shopping, fuel surcharge and bill payment.The limit of the card is fine.
HDFC credit card is very convenience to use, I have been using the card for 4.5 months for Shopping, groceries, fuel surcharge and electricity bill payment also. I pay my credit card bill through ATM. I always get my bill on time, this card was suggested to me by the bank agent.
I used RBL card for twice only. I get message or call for EMI conversion from banker. It is a life time free card. Once all the process done I received the card by 15 days. I am holding this card past 6 months. The credit limit is sufficient of 30K. Once I tried to convert for EMI of 3 months it was done on time without any problem. It is Bajaj card.
I have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
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