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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:

Credit Card Name

Key Features and Benefits

One Credit Card

  • Lifetime free credit card
  • 5X monthly rewards on the top two spending categories
  • AI-powered mobile app for easy expense tracking
  • No annual or joining fees
  • Instant approval and virtual card issuance

EazyDiner IndusInd Bank Platinum Credit Card

  • 3-month EazyDiner Prime
  • 20% OFF up to ₹500 (3x per month)
  • Up to 50% off at 2,000+ premium restaurants and bars
  • 2,000 Reward Points on ₹30,000 spent every 3 months

IndusInd Bank Platinum RuPay Credit Card

  •  UPI-enabled card 
  • 2 Reward Points per ₹100 on UPI
  • 1 Reward Point per ₹100 on non-UPI
  • 1% Fuel Waiver

HDFC Bank Freedom Credit Card

  • 5X CashPoints on EMI spends at merchants
  • 1 CashPoint for every ₹150 on other spends (excluding fuel and wallet loads)
  • 10X CashPoints at top merchants (Big Basket, BookMyShow, etc.)

IDFC FIRST Bank FIRST SWYP Credit Card

  • Welcome benefits over ₹2,000
  • Up to 1,400 Reward Points monthly
  • Up to 20% off on featured partners and others

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

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