Credit Cards in Surat

Know the detailed process of getting a credit card in Surat, benefits, eligibility and how to apply.
Credit Cards in Surat
5 min read
6th Aug 2023

In the bustling city of Surat, where trade and commerce have been thriving for centuries, the concept of a credit card has become a fundamental financial tool for both individuals and businesses. As the city continues to grow and evolve, having a credit card in Surat has become more than just a convenience; it is a gateway to financial empowerment and flexibility.

Why should one have a credit card in Surat?

The city of Surat, known for its vibrant textile and diamond industries, is no stranger to fast-paced living and ever-changing consumer demands. Having a credit card serves as an important financial instrument that allows individuals and businesses to smoothly navigate this dynamic landscape. Here are some compelling reasons why having a credit card in Surat is highly recommended:

  1. Convenience: A credit card offers unmatched convenience. From shopping at local markets to dining at top restaurants, a credit card eliminates the need to carry cash and provides a hassle-free payment experience.
  2. Emergency safety net: Life is unpredictable, and unexpected expenses can arise at any time. Having a credit card provides a safety net to handle emergencies, ensuring you are financially prepared for unforeseen circumstances.
  3. Online shopping: In today's digital age, online shopping has become a way of life. A credit card is indispensable for making secure online transactions, whether it is purchasing products or availing of services.
  4. Building credit history: Using a credit card responsibly helps you establish and improve your credit history. Positive credit history is crucial when applying for loans, mortgages, or other financial products in the future.
  5. Reward programs: Many credit cards offer attractive reward programs, including cashback, discounts, and loyalty points. These perks can help you save money while enjoying the best that Surat has to offer.

How to apply for a credit card in Surat

Applying for a credit card in Surat is a straightforward process. Follow these steps to get started:

  1. Research: Begin by researching the various credit card options available in Surat. Compare interest rates, annual fees, reward programs, and additional benefits to find the best credit card that suits your needs.
  2. Check eligibility: Before applying, ensure you meet the eligibility criteria set by the credit card issuer. These criteria often include age, income, employment status, and credit score.
  3. Online application: Most banks and financial institutions offer online credit card applications. Visit the official website of your chosen bank, navigate to the credit card section, and fill out the online application form.
  4. Document submission: You will need to provide supporting documents, including proof of identity, address, income, and employment. Make sure to have these documents ready to expedite the application process.
  5. Verification process: Once your application is submitted, the bank will initiate a verification process. This may include a background check and credit assessment.
  6. Approval and delivery: Upon successful verification, you will receive approval for your credit card. The card will be delivered to your registered address within a few business days.

Check Bajaj Finserv co-branded credit card eligibility and documentation

Benefits of getting a credit card

Owning a credit card in Surat opens up a realm of benefits that enhance your financial freedom and lifestyle. Some of the notable advantages include:

  1. Cashless transactions: Enjoy the convenience of cashless transactions, whether you are shopping, dining, or paying bills.
  2. Reward programs: Many credit cards provide reward points for every transaction, which can be redeemed for cashback, discounts, or other attractive offers.
  3. Travel benefits: Certain credit cards offer travel-related perks such as airport lounge access, travel insurance, and discounts on flights and hotels.
  4. EMI facilities: Make high-value purchases more manageable by converting them into easy monthly instalments (EMIs).
  5. Credit score improvement: Using a credit card responsibly contributes to building and improving your credit score, which is crucial for future financial endeavours.

Eligibility criteria for getting a credit card in Surat

To be eligible for a credit card, you need to fulfil certain criteria set by credit card issuers. While specific requirements may vary between them, here are some common eligibility criteria:

  1. Age: Applicants typically need to be within a certain age range, often between 21 and 70 years old.
  2. Income: A minimum income threshold is usually set to ensure that applicants have the means to repay their credit card dues.
  3. Employment: Banks may require applicants to have a stable source of income, whether through salaried employment or self-employment.
  4. Credit score: A good credit score demonstrates your creditworthiness and increases your chances of approval. Most banks prefer applicants with a credit score above a certain threshold.
  5. Residential proof: You need to provide valid proof of residence, such as a utility bill or rental agreement, to establish your address.

Documents required for a credit card in Surat

When applying for a credit card in Surat, you will need to provide certain documents to verify your identity, income, and residence, like:

  1. Proof of identity: Passport, Aadhaar Card, PAN card, voter ID, or driver's licence.
  2. Proof of address: Recent utility bill, rental agreement, or any government-issued address proof.
  3. Income proof: Salary slips, Income Tax Returns, bank statements, or Form 16, depending on your employment type. At the bank’s discretion.

Credit cards available in Surat

There is a wide range of credit cards available in Surat. Some of the best cards are listed below:

  1. Bajaj Finserv RBL Bank Binge SuperCard
  2. Bajaj Finserv RBL Bank Platinum Choice SuperCard
  3. Bajaj Finserv DBS Bank 10X Signature SuperCard
  4. Bajaj Finserv DBS Bank 10X Plus Signature SuperCard
  5. Bajaj Finserv RBL Bank Platinum Plus SuperCard

The Bajaj Finserv co-branded credit cards are like a helpful friend for your finances. They are super easy to use and make buying things a breeze. If something unexpected happens, the cards have your back.

Here is the best part: every time you use any of the cards, you earn rewards like cashback, discounts, and points. These rewards make your money go further, so you can enjoy more of Surat without worrying about your budget.

Getting any of the co-branded credit cards is simple too – just meet the easy requirements, apply online, and you are good to go. So, as you explore Surat's exciting world, let the Bajaj Finserv co-branded card be your trusty sidekick, making your money work smarter and giving you more freedom to enjoy the city.

Disclaimer

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Frequently asked questions

How to apply for a credit card loan in Surat?

With Bajaj Finserv, the credit card application process is quick and easy. Visit the Bajaj Finserv website, go to the cards section, select the card, and follow the online application process. To avail of a loan, you can use your credit card limit to convert it into an emergency loan.

What should be the age criteria for credit card Surat approval?

You need to be above 21 years to apply for a Bajaj Finserv co-branded credit card.

Is a strong CIBIL Score required for credit card approval in Surat?

CIBIL score plays an important role in deciding your eligibility for credit card approval. You must check your CIBIL score before applying for a credit card, which should be 700 and above.

How is a credit card advantageous in Surat?

You can use your credit card in Surat to avail a host of benefits. Some of them include reward points on shopping, discounts, cashback, EMI conversion, emergency loan, complementary services like airport lounge access, dining discounts, and fuel surcharge among many other benefits.

What should be the income criteria for credit card approval in Surat ?

You must have a regular source of income to get credit card approval in Surat.

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