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What is the Fastest Way to Get a Credit Card Online?

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Sanya Singh

Using a credit card for the first time can be financially liberating. After all, a credit card comes with a set of distinct advantages such as a pre-approved credit limit, several days of interest-free credit, and access to cashback & rewards on daily transactions. Surprisingly, figures suggest that most people in India are yet to warm up to the idea of owning a credit card. For every 2000 Indians, there is just 1 credit card user, as compared to 7 credit cards for every 2,000 Americans. With 52% of India’s population aged below 30 years, there could be an enormous demand for credit cards soon. Thankfully, securing a credit card today is no longer a Herculean task. Here’s everything you need to know about getting a credit card online.

 

How to Get a Credit Card Online

The following steps must be followed when you decide to apply for a credit card online:

  1. Know your Credit Score

A credit score is a three-digit number that indicates the quality of an individual’s credit record; anything above 700 is usually considered good. Credit scores are taken into account by banks & credit institutions when making decisions about issuing credit cards and furnishing loans. It is fairly easy to check online. All you have to do is log on to the official CIBIL (Credit Information Bureau (India) Limited) website and fill in your details to get your score.

  1. Opt for a Credit Card

There are options aplenty in Credit Cards. You must choose a card based on your expected requirements and preferred benefits. For instance, some credit cards come with great travel benefits, some offer cash back on everyday purchases, and others are designed for entertainment rewards. Once you have selected the right card, you need to check with your bank if you are eligible for the particular card. Subsequently, you must ready the documents you are required to submit with your credit card application.

  1. Apply for Your Card

After getting the required paperwork ready, you could apply for a credit card online. You could visit your bank website, visit the ‘Credit Cards’ category and fill in the online application form, furnishing your details. You may have to submit or upload your documents for verification purposes. Your credit card is dispatched to your communication address after the application is processed and approved. You may be required to show some identity proof and provide your signature at the time of delivery. After this, all you need to do is activate your card!

Fastest Way to Get a Credit Card Online

If you are keen on getting a credit card online without the slightest wait, an instant credit card is the best option for you. Nowadays, a credit card can be acquired with a simple 3-step online application process. All you need to do is enter your details, wait for the best offer made to you based on your details, complete the Video-KYC process and provide your digital signature on the application. Just make sure to keep your documents handy to speed up the application process, when you apply for a credit card online. This is truly the fastest way to get a credit card!

 

Final words

A credit card comes with an array of benefits and privileges to meet the specific needs of customers. Benefits range from entertainment and culinary offers to travel rewards. Instant credit cards also call for fairly simple eligibility criteria. Apply for any of the instant credit cards online now and usher in a new period of financial freedom!  

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Sanya Singh
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