If you’ve just sent off your application, it is natural to wonder how many days it takes to get a credit card. If you follow the steps and have your documents uploaded correctly, then you can expect approval in a few hours to days. On approval, you may be able to get your card in hand in two weeks or less and use the virtual card as soon as your application is approved.
Let’s not get ahead of ourselves just yet because submitting documents is the most important step that allows the credit card company to verify your eligibility. Once you complete this step, the credit card approval and issuing process follows soon behind. Ace it, and you’ll be well on your way to starting your credit card journey.
Documentation for Credit Cards
Based on which type of credit card you are applying for, the documents you need to submit vary. There are 4 major types of credit cards you can apply for, such as:
- Personal Credit Cards
- Commercial Credit Cards
- Student Credit Cards
- NRI Credit Cards
Documentation for Personal Credit Cards
If you are a salaried individual and want to apply for a credit card, submit these documents:
| Documents | Options |
| ID proof | Aadhaar cardPAN cardVoter’s ID cardDriving licensePassport |
| Address proof | PassportRation cardAadhaar cardPAN cardElectricity billVoter’s ID cardDriving licenseBank statement |
| Income proof | Income tax returnsSalary slips |
| Age proof | Certificate of School Board examBirth certificatePassportVoter’s ID |
| Additional documents | 2 Passport-sized photographs (mandatory)Form 60 (if asked for) |
Documentation for NRI Credit Cards
Non-resident Indians can also get an Indian credit card from select issuers. Check this list and keep these documents handy:
| Documents | Options |
| ID proof | NRI status and residence proof PassportAadhaar cardPAN cardVoter’s ID cardDriving license |
| Address proof | Aadhaar cardPAN cardElectricity billVoter’s ID cardDriving licenseRation cardPassportBank statementAny Indian residential address |
| Income proof | Salary slip (salaried individuals)Bank statementBusiness continuity proof (for business owners) |
| Age proof | Certificate of board examBirth certificatePassportVoter’s ID |
| Additional documents | 2 Passport-sized photographs |
Documentation for Commercial Credit Cards
To get a commercial or business credit card as a self-employed business owner or professional, you can use this checklist.
| Documents | Options |
| ID proof | Aadhaar cardPAN cardVoter’s ID cardDriving licensePassportEmployer’s ID Card |
| Address proof | Aadhaar cardPAN cardElectricity billVoter’s ID cardDriving licenseRation cardPassportBank statement |
| Income proof | Income tax returnsBank statements or passbookBusiness continuity proof/ Registration certificate |
| Age proof | 10th Board exam certificate Birth certificatePassportVoter’s ID card |
| Additional documents | 2 Passport-sized photographs |
Documentation for Student Credit Cards
As a student, getting a credit card may be challenging. If you are finding it hard to get a traditional credit card, apply for a secured credit card online. All you need is an FD, and you can get a credit limit as per the FD amount. Such cards are the best way to build your credit score. Check the documents you need to submit below:
| Documents | Options |
| ID proof | Aadhaar cardPAN cardVoter’s ID cardDriving licensePassportEducation Institute’s ID |
| Address proof | PassportAadhaar cardPAN cardVoter’s ID cardDriving licenseBank statement |
| Enrolment proof | College enrolment numberAdmission slipCollege or university certificate |
| Age proof | Certificate of board examBirth certificatePassportVoter’s ID |
| Additional documents | 2 Passport-sized photographs |
How to Apply for a Credit Card?
The process of applying for a credit card is divided into two major phases. In the first phase, you decide which credit card is best for you and check your eligibility. In the second phase, you follow a step-by-step process to fill in the application and submit the documents. Here is a checklist that can be of help.
Phase One: Choosing a Card
- Go through credit card options and check all their features
- Compare the interest rates and other charges
- Check your credit score
- Check the eligibility requirements
- Check the list of documents required
Phase One: Online Application Process
- Step 1: Choose a credit card from a trusted credit card company
- Step 2: Visit the official website of the credit card
- Step 3: Click on the ‘Apply’ option
- Step 4: Fill out the application form
- Step 5: Recheck your form and proceed to the next step
- Step 6: Upload your documents and continue with the verification process
- Step 7: Register your application with the OPT shared on your mobile
- Step 8: Verify and submit
To enjoy a simple digital application process, consider opting for the One Credit Card, which offers instant approval. You can apply within minutes and with minimal paperwork. This lifetime-free credit card offers 5X reward points on your top two spending categories each month.
If you are new to credit, then you can also apply for a secured credit card online to build your credit history. Both variants of this card come with the powerful One Credit Card app that simplifies your bill and rent payments. With multiple deals and discounts, you can enjoy the best deals for more savings. To make this stylish metal credit card a part of your wallet, apply now.
