How long does approval take?

For pre-approved customers, in-principle approval is instant. For new-to-bank applicants, in-principle approval is usually within 24 hours, and card delivery within 7-10 days.

Can I have both a physical and digital card?

Yes. Most banks issue a virtual card instantly after approval, usable online, while the physical card is dispatched.

Should I apply for multiple cards at once?

No. Multiple applications in the same week trigger multiple hard enquiries, temporarily reducing your score and signalling credit-hunger to banks.

How to apply for a credit card

Applying for a credit card in India is a fully digital process at most major banks. You can go from application to approval within 30 minutes if your KYC is Aadhaar-linked. Here's exactly how to do it.

Last updated: 15 June 2025

Before you apply

Check your CIBIL score - free through the CIBIL website once a year
Shortlist 1 or 2 cards that match your spending category
Verify your income meets the card's minimum eligibility
Keep PAN, Aadhaar, and 3 months' salary slips ready

The digital application journey

Fill the application on the bank's website with basic details
Complete Aadhaar-based e-KYC (OTP)
Upload PAN and one address proof
Provide employment / income details; some banks pull salary from your account directly
Get in-principle approval within minutes
Video KYC or physical KYC verification
Card is dispatched to your registered address in 5-10 working days

What to check before signing

Annual fee and how it can be waived
Reward rate (points/rupee) and where they can be redeemed
Foreign-currency mark-up (typically 1.99% to 3.5%)
Fuel surcharge waiver conditions
Interest rate on unpaid balance (typically 36-48% p.a.)

Frequently Asked Questions

Credit card eligibility HDFC Bank credit cards Axis Bank credit cards Credit cards hub How to improve credit score