After the digital era and smartphones applying for a credit card has become easier with banks coming up with 100% online application process , you can get all the approvals online and within minutes your card is ready for dispatch.
If you are a first time applicant or looking for a new card for your life style this step by step process will help you to apply for your new credit card .
Age: 21 to 60 years (some cards allow 18+)
Income: Minimum ₹15,000/month (varies by bank to bank )
CIBIL Score: 700+ is preferred ( Check your CIBIL score HERE)
Employment: Salaried or self-employed with proof
Documents: PAN card, Aadhaar, income proof, recent photo
No credit score? Consider secured or entry-level cards from SBI Unnati or IDFC FIRST WOW.
Start by identifying your needs and lifestyle .
Whether Cashback or Travel rewards or Lounge access?
Shopping on Amazon/Flipkart? Use comparison tools or read blog posts like: Top Cashback Credit Cards in India 2025
Banks often have a pre-approval or eligibility checker, enter the below details
Age
City
Income
Employment type
After you give all the data an instant results show cards you’re most likely to be approved, based on your city, income and cibil score .
You’ll need to:
Fill your personal details (name, PAN, contact)
Upload documents (PDFs or photos of Aadhaar, PAN, salary slips)
Choose delivery address for your card
Some banks offer e-KYC with Aadhaar OTP—no document upload needed!
Some cards give instant approval if your credit score & documents are in order. Others may take 1–3 working days or the respective bank people will call your for further verification.
If you’re already a customer with a bank, log into your banking app and see the pre-approved offers on the credit card .
Virtual card is often issued immediately
Physical card delivered in 5–7 working days with activation pin attahced.
Activate via bank app or customer care
Set PIN and you’re ready to swipe!
Apply for cards that match your income bracket.
Keep CIBIL score above 700.
Don’t apply for too many cards at once because multiple ping on CIBIL score check may lower your chances .
Double-check your documents and address , Kindly have same address on your documents for fast approval.
Q: Can I apply without income proof?
A: Yes, some banks offer secured credit cards against FD or student cards or you can get addon card from your parents or your next kin.
Q: How long does it take to get a credit card?
A: Instant to 7 working days, depending on verification.
Q: Will my credit score drop if I apply?
A: A soft check won’t hurt it. but if you apply for mutiple credit card you might reduce your CIBIL by 5–10 points.
| Credit Card | Annual Fee | Key Benefits | Apply Link |
|---|---|---|---|
| Flipkart Axis Bank Credit Card | ₹500 | 5% cashback on Flipkart & Myntra | Apply Now |
| Amazon Pay ICICI Credit Card | ₹0 | 5% back on Amazon (Prime), 1% elsewhere | Apply Now |
| HDFC Millennia Credit Card | ₹1,000 | 5% cashback on Amazon, Flipkart, Swiggy | Apply Now |
| SBI SimplyCLICK Credit Card | ₹499 | 10x reward points on online partners | Apply Now |
| Axis Ace Credit Card | ₹499 | 5% cashback on Google Pay, bill payments | Apply Now |
