Getting a credit card in Aurangabad

Know the detailed process of getting a credit card in Aurangabad, benefits, eligibility, and how to apply.
Getting a credit card in Aurangabad
4 min read
7th Aug 2023

Getting a Credit Card in Aurangabad

Aurangabad, known for its rich cultural heritage and historical significance, has also evolved into a vibrant economic hub in recent years. The city's landscape has undergone a big change, attracting both residents and businesses. Owing to this evolution, credit cards have emerged as an essential tool for managing financial transactions and facilitating convenient purchases. In this article, we learn about the dynamics of credit cards in Aurangabad, focusing on why they are crucial, eligibility criteria, necessary documents, and a spotlight on two prominent Bajaj Finserv co-branded credit cards.

Why should one get a credit card in Aurangabad

Credit cards have become an integral part of modern-day financial transactions, offering plenty of benefits to individuals and businesses alike. In a city like Aurangabad, where aspirations for a better lifestyle are on the rise, credit cards give a convenient way to manage expenses and access credit when needed. You can shop online, book travel tickets, dine at restaurants, and indulge in various leisure activities without the hassle of carrying cash.

Credit cards offer flexibility with the buy now and pay option. In Aurangabad's evolving economy, credit cards help entrepreneurs and businesses in covering operational expenses and seize growth opportunities. Additionally, credit cards often come with rewards and cashback programs, which can contribute to significant savings in the long run.

Eligibility criteria of getting a credit card

Before applying for a credit card in Aurangabad, you must meet certain eligibility criteria set by financial institutions. While these criteria may vary from one bank to another, some common parameters include:

  1. Age: You are generally required to be within a specific age range, often between 21 and 70 years.
  2. Income: Financial institutions assess your income to determine your repayment capacity. A minimum income threshold is usually required.
  3. Credit score: A good credit history is crucial for credit card approval. A higher credit score reflects responsible credit behaviour and increases the chances of approval.
  4. Employment status: You are often required to have a stable employment status, whether as salaried employees or self-employed individuals.
  5. Residency: Typically, you should be Indian resident with a valid address in Aurangabad.

List of documents required for getting a credit card

When applying for a credit card in Aurangabad, certain documents need to be submitted to support the application. These documents help verify your identity, income, and other relevant information. The following list includes some of the commonly required documents:

  • Proof of identity: This can include documents like Aadhaar Card, passport, voter ID, or driver's licence.
  • Proof of address: Utility bills, rental agreements, or any government-issued document showing your address can serve as proof.
  • Income proof: Salary slips, Income Tax Returns, or Form 16 may be required to verify your income.
  • Passport-size photographs: These are typically needed for KYC purposes.
  • Bank statements: Submission of recent bank statements may be necessary to assess your financial stability.
  • PAN card: A PAN card is essential for financial transactions and is usually mandatory when applying for a credit card.

In Aurangabad's dynamic financial landscape, credit cards have become indispensable, offering convenience, flexibility, and valuable benefits.

The Bajaj Finserv co-branded credit cards, including the renowned Bajaj Finserv RBL Bank Credit Card and the impressive Bajaj Finserv DBS Bank Credit Card, cater to Aurangabad's unique needs. These cards empower individuals with cashless transactions, instant credit access, and enticing rewards, aligning perfectly with the city's aspirations.

Whether embracing the digital realm or expanding businesses, credit cards provide the financial pump needed. With these cards, Aurangabad's residents confidently step forward into a brighter financial future in the heart of Maharashtra.


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