A free credit card comes with zero joining and annual fees. Maintaining these cards is affordable as customers, especially those who have started their careers, don’t have to unnecessarily pay the charges in case they don’t use the card frequently.

How to apply?

The application process for free credit cards is the same as any other. You may check out it below –

1. Visit the official website of the credit card company.
2. Find the credit card section.
3. Click the "Apply Now" button.
4. Enter details like name, contact number, occupation, location, age, etc.
5. Enter the OTP to proceed.
6. Select the card from the available options (based on the pre-approved offer).

Credit card providers usually approve an application instantly. Applicants will then have to hand over the documents to a visiting representative.

Documents required for application

• PAN.
• KYC documents – Passport, voter ID, Aadhaar, etc.
• Proof of address (latest utility bills).
• Income tax returns, latest payslips, or Form 16.

This list is indicative; customers may have to provide additional documents. Existing customers may not have to go through the paperwork at all.

Eligibility criteria

Credit cards are usually available to all aged 23 and above. Premium credit cards are only offered to those aged above 25 with a credit score of 750.

How to choose a credit card?

• Check the rate of reward points

Some credit cards provide 2 reward points for every Rs.100 spent while others offer the same points for every Rs.150 spent.

• Consider the expenses that provide accelerated reward points

Credit cards usually provide higher reward points in case of specific expenses like dining, apparel, etc.

• Compare the welcome rewards

Some cards offer gift vouchers while others provide a substantial number of reward points upon joining.

Credit cards like the Bajaj Finserv RBL Bank SuperCard offer up to 20,000 reward points as a welcome bonus. So, choose your card accordingly and apply it with the necessary documents.