Bajaj Credit Card

Bajaj Finserv, a prominent non-banking financial company in India, offers various financial products, including credit cards. Bajaj Finserv issues Bajaj Credit Card that cater to different customer needs and preferences. However, it’s important to note that the specifics of their credit card offerings might have changed or expanded since my last update.

A Bajaj Finserv credit card is a financial product that allows cardholders to make purchases on credit up to a predetermined credit limit. Customers can repay the amount spent either in full or in part on a monthly basis. Like other credit cards, Bajaj Finserv credit cards typically come with features and benefits, such as rewards programs, cashback offers, discounts on purchases, and other perks.


  1. Welcome Benefits:

    Some Bajaj Finserv credit cards may offer welcome benefits such as reward points or discounts on initial purchases.

  2. Reward Points:

    Credit cardholders can earn reward points for every eligible transaction, which can later be redeemed for various gifts, vouchers, or discounts.

  3. Cashback Offers:

    Certain credit cards may provide cashback on specific spending categories, allowing you to earn a percentage of your purchases back as cash rewards.

  4. Interest-Free Period:

    Many credit cards offer an interest-free period (grace period) on purchases, meaning you won’t be charged interest if you pay your full balance by the due date.

  5. EMI Conversion:

    Bajaj Finserv credit cards may allow you to convert large purchases into manageable EMIs (Equated Monthly Installments) with a lower interest rate.

  6. Fuel Surcharge Waiver:

    Some credit cards offer a waiver on fuel surcharges at petrol pumps.

  7. Contactless Payments:

    Many credit cards support contactless payments, allowing you to make transactions by tapping the card on a compatible terminal.

  8. Global Acceptance:

    Bajaj Finserv credit cards are typically accepted both domestically and internationally, making them convenient for travel and online purchases.


  1. Check Eligibility:

    Before applying, check the eligibility criteria for the Bajaj Finserv credit card. This may include factors such as age, income, credit score, and other requirements.

  2. Choose the Card:

    Bajaj Finserv may offer different types of credit cards with varying features and benefits. Select the one that best suits your needs and spending habits.

  3. Visit the Website:

    Go to the Bajaj Finserv official website and navigate to the credit card section.

  4. Fill the Application Form:

    Fill out the credit card application form with accurate personal and financial information. You may need to provide details such as your name, contact information, employment details, income, and more.

  5. Submit Documents :

    Along with the application form, you will need to submit the necessary documents to verify your identity, address, and income. The specific documents required may vary, but typical documents include:

    Identity proof
    Address proof
    Income proof
    Wait for Processing: After submitting the application and documents, the bank will process your application. This may take a few days to a few weeks, depending on their internal procedures.

  6. Credit Evaluation:

    Bajaj Finserv will assess your creditworthiness based on your credit history, income, and other factors. A good credit score enhances your chances of approval.

  7. Approval and Card Issuance:

    If your application is approved, Bajaj Finserv will issue the credit card and send it to your registered mailing address.

  8. Activate Your Card:

    Upon receiving the credit card, follow the activation instructions provided with the card. Typically, this involves making a first-time transaction or calling a designated number.


As of my last update in September 2021, the documents required to apply for a Bajaj Finserv credit card typically include the following:

Identity Proof: You will need to provide a government-issued identity proof with a photograph. Accepted documents may include:

Aadhar card
Voter ID card
Driver’s license
PAN card
Address Proof: To verify your residential address, you will need to submit a valid address proof. Accepted documents may include:

Aadhar card
Voter ID card
Utility bills (electricity bill, water bill, gas bill, etc.)
Bank or post office account statement
Rental agreement
Income Proof: Bajaj Finserv may require documents to verify your income. The specific requirements may vary depending on your employment type:

Salaried Individuals: Recent salary slips (usually the last 3 months) and bank statements showing salary credits.
Self-Employed Individuals: Income tax returns (ITR) for the last 2-3 years, audited financial statements, and bank statements.
Passport-sized Photographs: You may be asked to provide a few recent passport-sized photographs as part of the application process.

Duly Filled Application Form: Complete the credit card application form with accurate and up-to-date information.

Additional Documents: Depending on the specific credit card you are applying for and Bajaj Finserv’s policies, you may be required to submit additional documents or information to process your application.

Please note that the list of required documents can vary based on Bajaj Finserv’s internal policies and the type of credit card you are applying for. Additionally, as the financial landscape may change over time, I recommend visiting Bajaj Finserv’s official website or contacting their customer service for the most up-to-date and accurate information on the documents required to apply for their credit cards.


  1. Expert Financial Inclusion :

    Fayda Pay understands the unique needs of rural communities and offers Bajaj Credit Card services designed to empower local shop retailers and individuals with access to convenient and rewarding credit solutions.

  2. Simple Application Process:

    With Fayda Pay, applying for a Bajaj Credit Card is hassle-free. We guide you through the process, making it quick and convenient

  3. Wide Range of Credit Cards:

    Fayda Pay provides access to a diverse range of Bajaj Credit Cards, each tailored to cater to various lifestyles and spending preferences.

  4. Local Understanding:

    As a rural-focused service provider, we possess in-depth knowledge of the region’s dynamics, enabling us to cater to your specific credit needs effectively.

  5. Secure and Transparent:

    Fayda Pay prioritizes the security of your financial information, ensuring a transparent and trustworthy credit card application process.

  6. Leverage Earning Opportunities:

    Partnering with Fayda Pay opens doors to new earning opportunities through Bajaj Credit Card benefits, rewards, and cashback offers.

  7. Personalized Assistance:

    Our team of experts provides personalized guidance, helping you choose the most suitable Bajaj Credit Card based on your spending habits and requirements.

  8. Financial Education:

    Beyond credit card application, Fayda Pay emphasizes financial literacy, empowering you to make informed financial decisions.

  9. Online Accessibility:

    With our user-friendly online platform, you can apply for your Bajaj Credit Card from the comfort of your home or shop, saving time and effort.


A Bajaj Finserv credit card is a financial product that allows you to make purchases on credit up to a predetermined credit limit. It offers various features and benefits such as rewards, cashback, and discounts on purchases.

You can apply for a Bajaj Finserv credit card online through their official website or by visiting their nearest branch. Fill out the application form, submit the required documents, and wait for the bank’s decision.

Eligibility criteria may vary based on the type of credit card. Common factors include age, income, employment status, credit score, and residential address.

The processing time can vary, but it typically takes a few days to a few weeks. After approval, the credit card will be dispatched to your registered address.

Credit cards may have an annual fee, joining fee, and other charges. Check the specific terms and conditions of the credit card for details on fees.

You can check the application status online through the bank’s website or by contacting their customer service.