How to apply for a credit card online in 3 quick steps
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How to apply for a credit card online in 3 quick steps

  • Highlights

  • Choose a credit card basis the interest rate and your lifestyle needs

  • Check if you have to pay interest on withdrawing cash from ATMs

  • Apply with a credit score of 750+

  • Opt for the Bajaj Finserv RBL Bank SuperCard to enjoy maximum benefits

A credit card allows you monetary convenience like never before, helping you instantly fund a purchase, clear your dues, or get immediate access to cash. Though many issuers offer you attractive deals and feature-filled cards, treat all the credit card offers you receive via email, phone calls, and snail mail with care. This is because credit cards often come with joining fees, have an annual interest on dues beyond a certain interest-free period, annual maintenance charges, late payment fees, and more. Moreover, the way you use and maintain your credit card affects your credit score. This in turn, affects how easily and affordably you can access a loan in the future.

However, having a credit card that suits your lifestyle can be a boon, offering you untold advantages and savings. The Bajaj Finserv’s RBL Bank SuperCard offers you an interest-free loan and interest-free ATM withdrawals for a limited period to give you access to funds during a cash crunch. Added to this, these SuperCards give you the flexibility of converting hefty purchase into easy EMIs along with a bounty of reward points, fuel surcharge waivers, discounts on movie tickets, free airport lounge access and other privileges. So, read on to know how to apply for a credit card online.

1. Choose a credit card to apply for

When choosing a credit card, check the credit limit it offers you first. This is the total amount of money you can utilise from the issuer. Then look to sign on for that credit card which charges the most nominal interest and has the most interest-free time limit. Based on the type of card you opt, you also get incentives. So, check one that offers you various advantages be it discounts on entertainment activities or daily purchases and the most rewards points. Then check what you can redeem these points for.

If you are a frequent traveller, check for those credit cards that allow to book flight tickets and stays. If you are an online shopper, check for cards that give you more rewards on online spends. If you like to eat out with friends and family, check to see which cards helps you earn on dining. Doing this homework allows you to make the most of the rewards and save more while you spend and swipe.

2. Check the eligibility criteria and keep your documents ready

Most financial institutions offer you credit cards with a certain fixed limit based on your credit score and age. While every issuer has their own set of specifications, the most common ones are a minimum credit score of 750 along with the minimum age of 21 years.

To apply for a credit card, you may sometimes require proof of income and a statement copy of your bank account. You may also need to submit a passport-size photograph, Pan Card copy, Aadhaar Card copy, and proof of your address and identity. Credit cards like the Bajaj Finserv RBL Bank SuperCards do not require any financial documents, as your KYC documents suffice.

Shopping online made easy with the SuperCard

3. Fill-in and submit the credit card application form

Now that you have all the necessary documents in place, all you need to do is fill out the online application form. This form is available on your issuer’s website and usually asks for you name, mobile number and personal email ID to start with. Depending on your issuer, you will need to fill out any other details that the application form asks for such as your date of birth, current salary, etc.

That’s it. Applying for a credit card is easy and you can track your credit card application status online or via your mobile application when you download your issuer’s app. Make this entire process easier by checking your pre-approved credit card offer from Bajaj Finserv today.

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