Bajaj Credit Card Online Apply – Benefits, Eligibility, and How to Get It

Bajaj Credit Card: If you are planning to applying for a credit card and are wondering which company to choose, Bajaj Finance Credit Card could be a great option for you.

Bajaj credit card offer many advantages. You can save alot of money on shopping, ticket booking, travel expenses, and more. In this guide, we walk you through how to apply online, eligibility criteria, key benefits, and everything you need to decide if it’s the right fit.

What is a Bajaj Credit Card?

A credit card looks similar to a debit card but works differently. With a debit card, money is debited directly from your bank account whenever you make a transaction. However, with a credit card, the bank provides you with a credit limit, you cannot spend more than this given limit. This limit is determined based on various factors such as your income, CIBIL score, and credit history.

You can apply for a Bajaj Finance Credit Card both online and offline. Bajaj Finserv offers several types of credit cards tailored to customers’ needs, each with different eligibility rules and benefits. There are also multiple Bajaj Credit Card Offers available.

Usually, withdrawing cash using a credit card incurs high interest. However, Bajaj RBL Credit Card and Bajaj Finserv DBS Bank Credit Card offer zero interest on cash withdrawals for up to 50 days. For short-term needs, you can even convert your available credit into a personal loan.

Bajaj Credit Card Highlights

Types of Bajaj Credit Cards

Bajaj Finance primarily offers two key types of credit cards:

• Bajaj Finserv RBL Bank SuperCard
• Bajaj Finserv DBS Bank Credit Card

Bajaj Finserv RBL Bank SuperCard

This card, in collaboration with RBL Bank, addresses various everyday needs. It is a “SuperCard” combining the features of a credit card, debit card, EMI card, and loan.

Features and Benefits:

• Easy EMI Conversion: Convert purchases of ₹2,500 or more into EMIs.
• Zero Interest on Cash Withdrawal: No interest on cash withdrawal for up to 50 days.
• Redeem Reward Points: Use reward points to pay for down payment on EMI Network.
• Complimentary Airport Lounge Access: Enjoy up to 8 complimentary airport lounge visits per year.
• Short-Term Personal Loan: Convert available cash limit into a 3-month personal loan at zero processing fee and 1.16% interest per month.
• Cashback: Up to 5% cashback on down payment at partner stores.
• Annual Savings: Save up to ₹55,000 or more annually.
• Movie Offers: 1+1 free BookMyShow movie ticket.
• The more you shop with the Bajaj Credit Card, the more you save.

Bajaj Finserv DBS Bank Credit Card

Offered in association with DBS Bank, this card meets urgent and everyday financial needs.

Features and Benefits:

• Welcome Bonus: Get up to 20,000 cash points as a welcome bonus.
• Entertainment Discounts: Up to 40% savings on annual entertainment subscriptions (e.g., Hotstar, Gaana, Voot).
• Healthcare Benefits: Substantial discounts on teleconsultations and up to 20% off on pharmacy purchases via the Bajaj Health app.
• Fuel Surcharge Waiver: Save up to ₹200 per month.
• Interest-Free Cash Withdrawals: Up to 50 days at any ATM across India.
• Tap-and-Pay: Enjoy the convenience of tap-and-pay.
• Accelerated Rewards: Up to 10X cash points for monthly spends above ₹20,000.
• Travel & Holiday Rewards: Up to 20X rewards on travel/holiday bookings via the Bajaj Finance app.
• Complimentary Lounge Access: Get up to 10 airport lounge visits annually.
• EMI Conversion: Purchases above ₹2,500 can be converted into EMI.
• Partner Store Cashback: Up to 5% cashback on down payments.
• Short-Term Personal Loan Facility.

Bajaj Credit Card Eligibility

Bajaj Finance offers various credit cards, each with unique eligibility criteria.

Eligibility for RBL Bajaj Credit Card:

• The applicant must be an Indian resident.
• Age should be between 25 and 65 years.
• There should be a steady source of income.
• CIBIL score must be 750 or above.
• Applicants should ideally be existing Bajaj Finserv customers or EMI Network Card holders.

Eligibility for DBS Bank Bajaj Credit Card:

• Must be an Indian resident.
• Age between 21 and 70 years.
• Steady income source required.
• CIBIL score should be 720 or above.

Bajaj Credit Card Documents Required

To apply for a Bajaj Credit Card, you’ll need:

• Photograph
• Identity proof
• Address proof
• Other supporting documents as required

For more information, visit your nearest Bajaj Finance branch.

How to Apply for Bajaj Credit Card Online?

Step-by-step guide:

1. Visit the official Bajaj Finserv website.
2. On the homepage, select the “Credit Card” option.
3. Carefully read all the information presented.
4. Click on the “Apply Online” button.
5. Enter your mobile number and verify via OTP.
6. The application form will open—fill in your details and submit the form.
7. A Bajaj Finance representative will contact you to complete the process.

How to Apply for Bajaj Finance Card Offline?

1. Visit your nearest Bajaj Finance branch.
2. Speak to a branch staff member for complete information on Bajaj Credit Card.
3. Submit the necessary documents for verification.
4. Fill out the application form and submit documents as instructed.
5. If approved, you will be issued the credit card.

How to Check Bajaj Credit Card Status?

You can check your application status both online and offline.

• Offline: Visit your nearest Bajaj Finance branch.
• Online:
  1. Go to the Bajaj Finance official website.
  2. Click on “Credit Card” option on the homepage.
  3. Select “Track Application Status.”
  4. Enter your mobile number and verify via OTP.
  5. The status of your application will appear.

You can also inquire by calling the Bajaj Credit Card customer care number.

Customer Care Helpline Numbers

• RBL Bank Credit Card Customer Care: 022-71190900 / 1800-121-9050
• DBS Bank Credit Card Customer Care: 1860 267 6789
  Email: supercardcare@dbs.com

Conclusion

This article has provided complete information about how to apply for a Bajaj Credit Card. If you need a credit card, you can consider the Bajaj Credit Card. Compare different credit card options with Bajaj Finance Credit Card to find the most affordable one for your needs. If you face any issues in applying for a Bajaj Credit Card, you can call customer care for assistance.

FAQs

1. What is the credit limit on Bajaj Credit Card?
   Credit limits depend on your income and credit profile, starting from ₹25,000 up to ₹3 lakh or more for eligible customers.
2. Can I convert all purchases to EMI?
   Yes, most purchases at partner merchants can be converted to no-cost EMI. For other spends, standard EMI rates apply—check terms at checkout.
3. How long does approval take?
   Online applications typically get an initial decision within minutes; card dispatch occurs in 5–7 business days, subject to verification.
4. Are there any hidden charges?
   No, charges are transparent—confirm applicable joining and annual fees at application. EMI processing and late payment charges are shared upfront.
5. How can I increase my credit limit?
   Request via app or customer care after demonstrating good repayment history. Upgrades and higher limits are offered periodically to eligible users.
6. Are reward points and cashback auto-credited?
   Yes, benefits are credited automatically as per your spending and offer terms. Always check for the latest promotions.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. Please refer to official Bajaj Finserv or RBL Bank documentation for final terms and conditions