Credit Cards - Bharatee Financial Services

Credit Cards

Enjoy Cashless Convenience with Rewarding Credit Card Solutions

Up to ₹10 Lakh

Credit Limit

0% Interest

45 Days Free Credit

Instant Approval

Digital Process

Rewards & Cashback

On Every Purchase

Experience Financial Freedom with Premium Credit Cards

Discover a world of convenience, rewards, and exclusive benefits with our range of credit cards. Whether you're looking for cashback, travel rewards, or premium lifestyle privileges - we have the perfect card for your spending needs.

  • Instant approval with minimal documentation
  • High credit limits up to ₹10 lakh based on eligibility
  • Up to 45 days interest-free credit period
  • Attractive reward points and cashback on purchases
  • Exclusive discounts on dining, shopping, and travel
  • Comprehensive fraud protection and security features

💳 Get Instant Credit Card Approval!

Apply online and get instant digital approval for your new credit card

Why Choose Our Credit Cards?

💰

Attractive Rewards

Earn reward points, cashback, and exclusive benefits on every purchase. Redeem points for gift vouchers, travel, and more.

🛡️

Advanced Security

EMV chip technology, SMS alerts, and 24/7 fraud monitoring to keep your transactions secure and protected.

📱

Digital Convenience

Manage your card online, mobile app access, instant payment notifications, and contactless payment support.

🌟

Exclusive Benefits

Airport lounge access, dining discounts, shopping offers, movie tickets, and lifestyle privileges.

Instant Approval

Quick digital approval process with minimal documentation and instant digital card for immediate use.

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Flexible Payments

Convert purchases to EMI, pay minimum amount, or settle full balance with flexible payment options.

Choose Your Perfect Credit Card

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Premium Lifestyle Card

For high-income professionals who want luxury benefits and exclusive privileges

  • Credit limit up to ₹10 lakh
  • Airport lounge access
  • Golf privileges & concierge services
  • Dining & hotel discounts
  • Accelerated reward points
✈️

Travel Rewards Card

Perfect for frequent travelers with travel-focused rewards and benefits

  • Bonus miles on travel bookings
  • Free airport lounge access
  • Travel insurance coverage
  • No foreign transaction fees
  • Hotel & airline partnerships
💰

Cashback Card

Earn cashback on every purchase with simple and straightforward rewards

  • Up to 5% cashback on purchases
  • Higher cashback on fuel & groceries
  • No minimum redemption amount
  • Direct cashback to account
  • Bonus cashback categories
🛒

Shopping Card

Designed for shopping enthusiasts with retail discounts and rewards

  • Exclusive shopping discounts
  • Reward points on retail purchases
  • E-commerce platform benefits
  • Fashion & lifestyle offers
  • Instant discounts at partners

Fuel Card

Save money on fuel expenses with dedicated fuel rewards and benefits

  • Up to 4% savings on fuel
  • Surcharge waiver at petrol pumps
  • Bonus points on fuel purchases
  • Auto insurance discounts
  • Roadside assistance services
🎓

Student Card

Specially designed for students and young professionals starting their credit journey

  • Lower income requirements
  • Student-friendly features
  • Online shopping rewards
  • Movie & entertainment offers
  • Credit building opportunities

Exclusive Credit Card Benefits

🎁

Welcome Bonus

Attractive welcome gifts and bonus reward points on card activation

🛫

Airport Lounges

Complimentary access to domestic and international airport lounges

🍽️

Dining Privileges

Special discounts and offers at premium restaurants and cafes

🎬

Entertainment

Movie tickets, streaming subscriptions, and event booking discounts

🏥

Insurance Coverage

Complimentary travel, purchase protection, and extended warranty insurance

📞

24/7 Support

Round-the-clock customer service and emergency card replacement

Eligibility & Requirements

Basic Eligibility

  • Age: 21 to 65 years
  • Income: ₹25,000+ per month
  • Employment: Salaried/Self-employed
  • Credit Score: 650+ preferred
  • Existing relationship helpful
  • Stable employment history

Premium Card Eligibility

  • Higher income requirements
  • Excellent credit history
  • Professional/business profile
  • Existing banking relationship
  • Premium income bracket
  • Investment portfolio

Student Card Eligibility

  • Age: 18 to 25 years
  • Student status verification
  • College/university enrollment
  • Parent/guardian co-applicant
  • Basic income proof
  • Academic records

Documents Required

🆔

Identity Proof

Aadhaar Card, PAN Card, Passport, Voter ID

🏠

Address Proof

Utility Bills, Aadhaar, Bank Statement

🏦

Bank Statements

3-6 months salary account statements

📸

Photographs

Recent passport size photographs

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Existing Cards

Other credit card statements (if any)

Simple Application Process

1

Choose Card Type

Select the credit card that suits your lifestyle and needs

2

Apply Online

Fill application form with personal and financial details

3

Document Submission

Upload required documents for verification

4

Instant Approval

Get instant digital approval based on eligibility

5

Card Delivery

Receive your physical card within 7-10 working days

6

Activate & Use

Activate your card and start enjoying the benefits

Frequently Asked Questions

What is the maximum credit limit I can get?
Credit limits range from ₹25,000 to ₹10 lakh depending on your income, credit score, and card type. Premium cards offer higher limits for qualified applicants with excellent credit profiles.
How long is the interest-free credit period?
You get up to 45 days of interest-free credit period from the date of purchase, provided you pay the full outstanding amount by the due date mentioned in your statement.
What are the annual charges for credit cards?
Annual fees vary by card type - from free lifetime cards to premium cards with annual fees up to ₹10,000. Many cards waive annual fees based on spending milestones or welcome offers.
How quickly can I get my credit card approved?
With complete documentation, instant digital approval is possible. Physical card delivery takes 7-10 working days. You can start using your card digitally immediately after approval.
Can I convert my purchases to EMI?
Yes, you can convert eligible purchases above ₹2,500 into easy EMIs with tenure options from 3 to 24 months. EMI conversion charges and interest rates apply as per card terms.
What should I do if my card is lost or stolen?
Immediately call our 24/7 helpline to block your card. We provide emergency card replacement and temporary cash advance facilities. Zero liability protection covers unauthorized transactions.
How do I earn and redeem reward points?
Earn reward points on every purchase (typically 1-4 points per ₹100 spent). Redeem points for gift vouchers, merchandise, travel bookings, or statement credits through our rewards portal or mobile app.
Can I increase my credit limit?
Yes, credit limit enhancement is possible based on your usage pattern, payment history, and income growth. You can apply for limit increase after 6 months of responsible card usage.

Ready to Apply for Your Perfect Credit Card?

Choose from our range of credit cards and enjoy exclusive benefits, rewards, and financial convenience