How to Get the Best Credit Card in India

How to Get the Best Credit Card in India

In recent years, the usage of credit cards has increased manifold among Indians. Individuals are looking to avail more credits to facilitate the purchase of various goods and services. However, even with individuals availing more credit cards, many of them are not being able to maximise the benefits they avail from them.

This is because few credit cards come with several additional benefits over others. Thus, to get the best credit card in India, you should look for cards that come with exclusive benefits.

For instance, the Bajaj Finserv RBL Bank SuperCard clubs the benefits of four cards into one, thus providing various added advantages over other credit cards. You can avail the benefits of a credit card, cash card, loan card and EMI card combined into one.

This card offers you the benefit of withdrawing cash from ATMs without any additional service charge or transaction fee. You only have to pay the nominal processing fee of 2.5% when you withdraw cash from ATMs.

Again, with this card, you can convert the unutilised credits on it into a personal loan once each year. You can use this personal loan to cover any expenses, ranging from medical bills to travel costs, home renovation expenses, etc. The loan is also interest-free up to 90 days, within which you can repay it through 3 instalments.

Additionally, it provides benefits like offers and incentives on purchases, reward points, layered security measures and easy EMI options. Thus, this card is a well-rounded option that can serve the purpose of several payment cards.

However, when you apply for the credit card, make sure you satisfy the required eligibility criteria and furnish the required documents to make sure that the process is completed without any hassle.

How to get a credit card?

If you want to get a credit card, you need to satisfy a few eligibility criteria and submit the required documents.

Here are the eligibility criteria you need to follow to avail the benefits of Bajaj Finserv credit card –

  • You must be above 25 years and below 65 years of age.
  • You should not have any prior payment defaults.
  • You must have a credit score of 750 or above.
  • You must be a resident of any of the cities listed under the financial institution.
  • You must be an existing member of Bajaj Finserv and must be a holder of their EMI card.

Apart from fulfilling these eligibility criteria, you also need to provide the documents below to avail the benefits of the card –

  • KYC documents.
  • Income proof.
  • Form 60.
  • PAN card.

Apart from these, you may also be asked to submit some other documents during the application for a credit card. Therefore, to get the best credit card, you must make sure to maximise the benefits they offer. You can easily get the functions of several cards into one card i.e: Bajaj Finserv RBL Bank SuperCard, this card will help to making your financial transactions easier. However, make sure you satisfy the required eligibility criteria to make sure that there is no hassle with the application process.

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