A credit card offers financial convenience like never before, helping you instantly fund a purchase, clear your dues, or get immediate access to cash. Many issuers provide attractive deals and feature-filled cards; however, we’d recommend you treat all the credit card offers you receive via email, phone calls, and snail-mail with caution. This is because credit cards often come with joining fees, charge interest on dues beyond a certain interest-free period, along with annual maintenance charges, late payment fees, and more. Moreover, the way you use and maintain your credit card directly impacts your credit score. This, in turn, determines how easily you can access a loan in the future.
However, having a credit card that suits your lifestyle can be a boon, offering you countless benefits and savings. For instance, the Bajaj Finserv RBL Bank Credit Card offers you an interest-free loan along with interest-free ATM withdrawals for a limited period to give you access to funds during a cash crunch.
In addition to this, Bajaj cards give you the flexibility of converting big purchases into easy EMIs along with a bounty of reward points, fuel surcharge waivers, movie ticket discounts, complimentary airport lounge access and other privileges. Intrigued, here’s how to apply for Bajaj Finserv cards online.
1. Choose a credit card to apply for
When choosing a credit card, check the credit limit it has to offer. This is the total amount of money you can utilize from the issuer. Also, look for one that charges the most nominal interest and has the most extended interest-free time limit. You also get incentives based on the type of card you opt for. So, pick one that offers you various benefits, including discounts on entertainment activities or the most rewards points. Also, ensure you redeem any points you earn on e-commerce websites, air tickets or travel.
If you’re a frequent traveller, opting for the right Bajaj card, in this case, the World Plus SuperCard, allows you to book flight tickets and enjoy complimentary lounge access too. If you are an avid shopper, pick a different Bajaj Finserv card, such as the Shop Smart SuperCard, which helps you bag cashback deals on down payments, grocery purchases and an annual spending limit of Rs. 1,00,000. Similarly, if you like to eat out with friends and family, check which Bajaj Finserv cards helps you save money on your dining bills. A bit of homework doesn’t hurt, as it allows you to make the most of the rewards and save more while you spend and swipe.
Additional Read: 6 important things to know before applying for a credit card
2. Check the eligibility criteria and keep your documents ready
Most financial institutions offer you credit cards with a specific spend limit based on your credit score and age. While every issuer has an obligatory credit score requirement, Bajaj Finserv cards only require a minimum credit score of 750 and a minimum age of 25 years.
To apply for a Bajaj Finance card, you must provide proof of income, address, identity and age. Bajaj Finserv would also require additional documents such as your bank statements, payslips, Form 16, electricity bills, driving license, voter's ID, passport, Aadhaar Card, and birth certificate. Furthermore, you may need to provide a copy of your PAN card and Form 60. Unlike many other issuers, Bajaj Finserv’s card application process requires minimal documentation, thus making the overall process a lot easier.
3. Fill in and submit the credit card application form
Now that you have all the necessary documents in place, you need to fill out the online application form to get your Bajaj credit card. This form is available on Bajaj Finserv’s official website. You have to enter your name, mobile number and personal email ID to initiate the process. In some cases, you may also need to fill out other details that the application form asks for, such as your date of birth, current salary, etc.
That’s it; applying for any Bajaj Finserv card is that easy. You can also track your application status online or via the company’s dedicated mobile Bajaj Finserv app. You can make this entire process easier by checking your pre-approved credit card offer for a Bajaj Finance card today.
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