An instant credit card offers quick access to credit, ideal for emergencies or immediate purchases. Banks and credit card companies approve your application within minutes using automated systems that assess factors like income, employment, debt and credit score. This ensures fast approval without lengthy background checks, which can cause delays.
Credit cards can be an efficient tool for managing daily expenses to build your credit score. So, if you want to get one, applying online for instant approval is a convenient way to meet your financial needs. That said, here’s a quick guide to applying for a credit card online.
Credit Cards That Offer Instant Approval and Their Benefits
Here are some credit cards that offer instant approval along with their key features and benefits:
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Credit Card Name |
Key Features and Benefits |
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One Credit Card |
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EazyDiner IndusInd Bank Platinum Credit Card |
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HDFC Bank Freedom Credit Card |
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IDFC FIRST Bank FIRST SWYP Credit Card |
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Disclaimer: The above-mentioned features are subject to change as per the issuers’ policies.
How to Choose an Instant Approval Credit Card Wisely
While the majority of issuers offer instant approval credit cards, you can pick the one that suits your needs after considering these factors.
- Assess Your Needs
Before anything, evaluate your spending habits and financial goals to choose a card that aligns with your needs and offers relevant benefits.
- Check Eligibility Criteria
Ensure you meet the specific eligibility requirements set by the issuer to avoid rejections, which could negatively affect your credit score.
- Research Interest Rates and Fees
Compare interest rates, annual fees and other charges to find a card with terms that best suit your financial situation and repayment capacity.
- Review Reward Programs
Look for cards offering rewards or cashback on spending categories that match your regular expenses to maximise benefits.
- Consider Customer Support
Ensure the card issuer provides reliable customer support and robust security features like fraud protection and online banking services.
Steps to Apply for an Instant Credit Card
- Go to the Bank’s Official Website
Visit the official website of your chosen bank to apply for a credit card with instant approval.
- Fill in Your Basic Details
Enter essential information, such as your mobile number and PAN number, to begin the application process.
- Choose the Best Card Offers for You
Based on your details, the issuer will present you with multiple instant credit card options to choose from.
- Complete the Application
Finish the application by completing the V-KYC (Video KYC) or KYC process and signing the application digitally to receive your card.
With the ease of automated approval processes, instant credit cards give you immediate access so you can start enjoying the benefits without any delay. The One Credit Card takes this convenience a step further by offering a premium experience without any extra fees or charges.
You can apply through the OneCard App and receive your sleek metal card within 5 minutes. With features like 5X monthly rewards on the top two spending categories and instant points credited with no expiration, it offers savings on all your expenses.
You also get full control over your card through the app, making it a luxurious option for financial management. You can also set spending limits to avoid overspending. Visit the website or download the app and apply now!
Read Also: Fast and Easy: Why Online Credit Card Applications Make Sense