A retail credit card is one that rewards you for spending at retail establishments. There are different retail credit cards to choose from depending on your spending style and the type of stores you usually shop at. Some cards offer cash back, reward points, air miles and other benefits. These points can be redeemed for various attractive premium merchandise, flight tickets, discounts etc.

Once you have selected a card, you can apply to your desired card issuer with mandatory documents, such as address and ID proof. You can also apply online with required documents. It may take up to 3 weeks or 21 working days to process your credit card application.