By The VyVyMangaa.Com 
When you apply for and get a credit card online, you can cut back on the time spent manually filling out the form. This way, you can also avoid long lines at the bank or issuer’s office, which can further delay your access to credit.
With the digital lending space growing at a breakneck speed, most financial institutions have provided the convenience of applying online. However, to apply for a credit card quickly, you should start by choosing a card that fits your requirements and check if you qualify for it. Here is a complete guide to the digital application process for credit cards.
How to Choose Your Credit Card
Credit cards can be divided into various categories, each offering a range of benefits. Here are some types of cards you can choose from.
- Business credit card
- Cashback credit card
- Co-branded credit card
- Fuel credit card
- Lifestyle credit card
- Premium credit card
- Rewards credit card
- Student credit card
- Travel credit card
Once you visit the issuer’s website, you can find multiple options within each category. Within your preferred category you can compare benefits across financial companies to choose the best card available. You can also check the features and fees of these cards to make an informed decision. When shortlisting cards, make sure you check factors like:
- Minimum credit score required
- Minimum income required
- Minimum and maximum age
Apply only if you meet these criteria to give yourself a better chance of approval.
Online Application Process
Next, you need to fill in the application and complete the video KYC to get a credit card online. All issuers have slightly different steps in their application process depending on their website or credit card app interface. Nevertheless, here are some common steps you may follow:
- Visit the official website and register/ Download the credit card app and log in
- Go to the ‘Credit Cards’ section
- Select your preferred credit card
- Click on ‘Apply’, ‘Get Now’ or a similar option
- Enter your personal details like phone number, name, PIN code, and monthly income
- Click on ‘Check Eligibility’
- Continue filling out the form with the required details
- Complete the KYC process by attaching needed documents and completing video KYC
- Wait for approval
- Get the card in the post and activate it
Benefits of Online Application
Now that you know how easy the process to get your credit card online is, here are some perks you should note.
- The process is simple and timesaving, allowing you to get your credit card quickly for emergencies
- You can apply at your own pace without following official timings to visit branches or speak to executives
- Compared to offline applications where you need printouts and copies, you can easily attach documents from the comfort of your home
- You get an application number using which you can use to track card delivery
- You can easily review the features of multiple credit cards side by side
- Some issuers also have comparison tools on the website to help you choose
- You can read the MITC documents with ease online to make smart decisions
Now you know how you can get your credit card in just a few minutes with an online application. Want to choose a card that’s truly an all-rounder? Consider applying for the One Credit Card with which you can earn 5X reward points on your monthly top two spending categories.
That’s not all. It also comes with many other exciting offers like no-cost EMI benefits, zero annual and joining fees, and a state-of-the-art credit card app. Apply online to get started.
Read Also: Unlocking the Power of Free Credit Cards: How to Apply Online Without Fees