Credit Card in Bangalore

Learn how credit card works, their benefits, and the process of applying in Bangalore.
Credit Card in Bangalore
2 min read
1 Aug 2023

Whether you are a tech-savvy professional, a student, or a resident enjoying the city's cultural diversity, having a credit card in Bangalore can add convenience and financial flexibility to your life. Read on to understand everything about credit cards in Bangalore, including how to apply, the benefits they offer, eligibility criteria, and required documents.

A credit card is a powerful financial tool that allows you to make purchases on credit. It works like a short-term loan, where the card issuer lends you money to make transactions, and you are required to repay the borrowed amount within a specified period, usually a month. Credit cards offer numerous benefits, making them a popular choice among residents.

Apply for a credit card in Bangalore

Applying for a credit card is a straightforward process. You can apply through the official websites of banks, and financial institutions, or visit their branches in the city. Online applications have become increasingly popular due to their convenience and faster processing times.

Benefits of a credit card

Credit cards come with a wide range of benefits, making them an indispensable financial tool for many. Some of the key advantages include:

  1. Convenience: With a credit card, you can make purchases anytime and anywhere, eliminating the need to carry cash.

  2. Rewards and offers: Many credit cards in Bangalore offer reward points, cashback, discounts, and exclusive offers on dining, shopping, travel, and entertainment.

  3. EMI facility: Credit cards often provide the option to convert high-value purchases into easy EMIs, allowing you to manage your expenses more effectively.

  4. Credit score building: Timely repayments on your credit card can help build a positive credit history and improve your credit score.

  5. Safety and security: Credit cards offer enhanced security features, such as OTPs and fraud protection, minimizing the risk of unauthorized transactions.

Eligibility criteria for credit card in Bangalore

To be eligible for a credit card, you need to meet certain criteria. The applicant should be an Indian national between 21 to 70 years and applicant must fulfil the income and credit score criteria set by the card issuer.

Documents required for credit card in Bangalore

When applying for a credit card in Bangalore, you will need to submit some essential documents. These typically include:

  1. Identity proof: Aadhar card, Passport, Voter ID, or Driving License

  2. Address proof: Utility bills, rental agreement, or any government-issued address proof

  3. Income proof: Salary slips, bank statements, or income tax returns

Which credit cards are available for customers in Bangalore

You can get 16+ Bajaj Finserv co-branded credit cards in Bangalore. Some of them include:

  1. Binge credit card
  2. Binge first-year-free credit card
  3. Platinum Plus credit card
  4. Platinum Plus first-year-free credit card
  5. Platinum Choice credit card
  6. Platinum Choice first-year-free credit card
  7. Platinum Edge credit card

Steps to apply for a credit card on the Bajaj Finserv website

  1. Visit the “Cards” section on the Bajaj Finserv website
  2. Enter your 10-digit mobile number and click on ‘APPLY’
  3. Verify the OTP sent to your phone to check if you have an offer.
  4. If you have an offer, your credit card limit will be displayed on the screen
  5. Click on ‘GET IT NOW’ and enter your basic details such as your, PAN, date of birth, father’s name, occupation type, company name, marital status, and address details
  6. Now click on ‘PROCEED’ to submit your application
  7. After your submission, our representative will call you to complete the KYC

In conclusion, a credit card in Bangalore can significantly enhance your financial experience and provide you with a host of benefits. By understanding the application process, eligibility criteria, and required documents, you can easily apply for a credit card that suits your needs. With the wide array of co-branded credit cards offered by Bajaj Finance, you can choose one that aligns with your spending habits and lifestyle, making your financial journey even more rewarding.

Disclaimer

While care is taken to update the information, products, and services included in or available on our website and related platforms/ websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/ service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/ service document and applicable terms and conditions. In case any inconsistencies are observed, please click on reach us.

*Terms and conditions apply

Frequently asked questions

Can I apply for credit card online?

Yes, you can apply for Bajaj Finserv co-branded credit cards online on the Bajaj Finserv website. Applying for credit cards on the Bajaj Finserv website is hassle-free and quick.

Can I avail of an EMI Facility with a credit card?

You can avail of an EMI facility on all co-branded credit cards offered by Bajaj Finserv. To avail of the EMI facility, you can convert your purchase into EMIs at the time of purchase and keep it simple.

How to apply for credit card in Bangalore?

Here is the step-by-step guide to applying for the Bajaj Finserv co-branded credit cards

  1. Visit the “Cards” section on the Bajaj Finserv website
  2. Enter your 10-digit mobile number and click on ‘APPLY’
  3. Verify the OTP sent to your phone to check if you have an offer.
  4. If you have an offer, your credit card limit will be displayed on the screen
  5. Click on ‘GET IT NOW’ and enter your basic details such as your, PAN, date of birth, father’s name, occupation type, company name, marital status, and address details
  6. Now click on ‘PROCEED’ to submit your application
  7. After your submission, our representative will call you to complete the KYC

After your KYC verification, your card will be sent to your residential address within 5 to 7 working days.

What is the least amount that an applicant should earn per month for credit card Bangalore approval?

Different banks have a different criteria regarding the monthly income. RBL and DBS bank mandate a regular source of income for credit card approval.

Why is it necessary to have a strong CIBIL Score for credit card approval in Bangalore?

CIBIL Score is a demonstration of your financial behaviour with loans and credit cards. Paying loan EMIs on time improves your CIBIL Score and increases your chances for new credit card approval and other significant loans.

What are the benefits of Credit Card Bangalore for its customers?

You can use credit cards in Bangalore for multiple purposes and earn perks. Use them for shopping, booking tickets, paying utlity bills and more to earn benefits like high reward points, complementary air tickets, free loinge access, discounts and more.

Show More Show Less