How to Apply for a Credit card Online and Get one Approved Quickly

Published January 15, 2019

A credit card lets you make purchases without delays, avail emergency loans, and earn reward points that can help you save money. It enables you to leverage your finances with ease, and due to this popularity, you can find a variety of credit cards being offered in the market today. These cards are classified based on the nature of the rewards, income of the applicants, and spending patterns. So, be sure to apply for a credit card after evaluating your needs and the array of benefits that the card offers.

Along with a wide offering of credit cards, issuers also allow you to apply online as per your convenience instead of having to visit the nearest branch for offline procedures. This means that you can apply for a credit card online from the comfort of your home in just a few clicks.

Here is how to apply for a credit card online

1. Check the credit card eligibility criteria

Different issuers have different criteria in place to qualify for a credit card. For example, one of the most popular credit cards today, the Bajaj Finserv RBL Bank SuperCard has the following norms:

• You must have a credit score of at least 750
• You must be aged between 25 to 65 years
• You must have a clean credit report
• You must not have missed EMI payments
• You must have an existing relationship with the issuer
• You must have a steady income

Based on these criteria, you can apply for a credit card that you are eligible for.

2.  Check the documents required to apply for a credit card

To ensure your credit card application is processed, you need to submit certain documents. These are the most common ones:

• Identity proof such as the Passport, Aadhaar Card, and Voter’s ID
• Address proof such as Utility Bills, PAN, and others
• Passport-sized photograph

3.  Check your pre-approved offer or apply on the issuer’s website

• To apply for a credit card online, you can check if you have any pre-approved offers from issuers. For example, with the Bajaj Finserv RBL Bank SuperCard, your credit card limit is pre-approved and you get an instant approval with just 1-step verification process.
• Alternatively, you may apply for a credit card on the issuer’s website. Browse through the various types of credit cards listed on the website, evaluate and match your needs, and finally apply for the right one by providing simple information such your name, PAN card details, occupation, income, and others.

You can expect an approval on your credit card application within a week. However, it may get delayed owing to certain reasons. Take a look at how you can cut back on delays and speed up your approval process.

1. Meet all the eligibility criteria

By meeting an issuer’s eligibility criteria, you cross the first stage of approval. To avoid rejection, apply for a credit card after checking the qualifications and making sure you meet them.

2. Submit the correct documents 

The above-mentioned documents are proof of your eligibility that boosts the issuer’s trust in you. Hence, gather all the documents and ensure that they aren’t incorrect or incomplete.

3. Maintain a good credit score

Having a good credit score means that you are responsible when it comes to credit. It also shows that you are not credit hungry, can use a credit card judiciously, and make timely payments. Thus, a high score could hasten your credit card approval and even get you a higher credit limit.

4. Have an existing business relationship with the issuer

An existing business relationship with an issuer such as having a savings, current or investment account, increases the speed of your credit card approval as the company can be more confident about your legitimacy.

5.  Increase your income

Having a regular and adequate income also quickens your approval process as the issuer can be sure that you will pay your credit card dues on time.

By following the above steps you can apply for a credit card online and enjoy a quick approval to start enjoying benefitting from the perks of a credit card sooner. When you are looking for the best credit cards to apply for, consider the feature-packed Bajaj Finserv RBL Bank SuperCard. This credit card offers minimal joining and annual charges, interest-free emergency loans that can be repaid in 3 EMIs, interest-free ATM withdrawals, and up to 20,000 welcome reward points.

You can expedite your application procedures for an even faster approval by viewing your customised deal and applying for the same. All you need to do is check your pre-approved offer by entering your name and number. Get started now!