How can you get your credit card for the first time?

2 min read

Credit cards are handy financial tools that enable hassle-free payments and aid in better financial management. Once you attain a suitable age and have a stable income, you can apply for your first credit card.

There are certain eligibility criteria you must fulfil before you apply for a credit card for the first time.

Follow these steps to get your first credit card:

  1. Assess your affordability
    Using credit cards to pay for products and services involves paying off the dues on time. Not paying the outstanding credit bill on time may attract paying high-interest charges. Make sure you have a regular source of income so that making on-time repayment is convenient for you. For a first-timer, the Bajaj Finserv RBL Bank SuperCard can prove feasible as it also offers ATM cash withdrawals that are interest-free for up to 50 days.
  2. Choose the financial institution
    The next step is to choose the issuer to get your first credit card from. Go for the one that offers maximum benefits along with ease of use and repayment. 
    Bajaj Finserv RBL Bank SuperCard is a credit card that comes with the combined features of 4 cards in one. You can use it like a regular credit card, an EMI card to convert purchases into EMI, an ATM card to make withdrawals and as a loan card.
  3. Meet the eligibility criteria
    The Bajaj Finserv RBL Bank SuperCard comes with simple and basic eligibility criteria and documents. Fulfil the eligibility requirements, apply for a suitable SuperCard variant and submit the documents required to get this card. With a healthy CIBIL score of 750, you can receive your first credit card from Bajaj Finserv without any hassles.

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Frequently asked questions

What factors should I consider when choosing my first credit card?

Consider annual fees, interest rates, rewards programs, and credit limits. Look for cards designed for first-time users or students. Check if the card is widely accepted in India. Also, consider the issuer's reputation, customer service, and whether they offer a grace period for payments.

How can I build a good credit score with my first credit card?

Pay your bills on time and in full to avoid interest charges. Keep your credit utilisation low, ideally below 30% of your limit. Don't apply for multiple cards at once. Use your card regularly but responsibly. Consider setting up automatic payments to ensure timely payments.

What should I do if I miss a payment on my first credit card?

Contact your card issuer immediately to explain the situation. Pay the outstanding amount as soon as possible to minimise late fees and interest. A single late payment can harm your credit score, so consider setting up payment reminders or automatic payments to avoid future misses.

Bajaj Finserv App for All Your Financial Needs and Goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals. 

You can use the Bajaj Finserv App to: 

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more. 
  • Explore and apply for co-branded credit cards online. 
  • Invest in fixed deposits and mutual funds on the app. 
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers. 
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions. 
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on No Cost EMIs. 
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators 
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

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