Apply for Instant Credit Card Online (2024)

Higher credit limit

Credit limit up to ₹5 lacs

Huge annual savings

Save up to ₹16,000

Joining Fees

Pay low joining fees

Low annual fee

Just ₹500 as annual fee

100% digital process

Apply on the Thanks app

Relaxed eligibility

18-70 years old can apply

25% off on recharges

Paid via Airtel Thanks

10% off on delivery

Zomato, bigbasket, Swiggy

10% cashback offers

Utility bills via Thanks

Extra 1% cashback

On all other spends

Airport lounge

4x lounge access/year

Fuel waiver

1% fuel surcharge waiver

What is an instant credit card?

An instant credit card functions exactly like a regular credit card. The main difference is that you get fast approval on credit cards after finishing the application procedure, as opposed to a normal credit card, which takes around seven to ten business days to approve.

How does the instant approval process work?

Many advantages may be gained from instant approval credit cards, including the opportunity to make transactions swiftly and efficiently. This is very handy for you if you need to make an instant purchase.

What are the eligibility criteria for an instant credit card?

You must be between the age group of 18 to 70 years and a resident of India. You need to provide your PAN card, latest salary payslips, residence proof, and identity proof.

Is the instant approval decision always guaranteed?

An instant approval decision is guaranteed if all thecredit card eligibilitycriteria are fulfilled.

How long does it take to get a decision on my application?

If it’s an online application, it could be approved in few minutes. However, in other cases, it could take up to a month for the credit card issuer to inform you if your application is approved or not.

Can I apply for an instant credit card online?

You can apply instant credit card online and via the Airtel Thanks app. Download the Airtel Thanks App from PlayStore or App Store to apply for a credit card. Then, select ‘credit card’ from the ‘Financial Services’ menu. After you enter the necessary information, your card will be given to you.

What information is required for the instant credit card application?

You need to provide Aadhar and PAN details, email address, phone number, and proof of residence for instant credit card application.

Do I need good credit to qualify for an instant credit card?

A good credit score is crucial to qualify for an instant credit card because it shows your creditworthiness.

Can I apply for an instant credit card with no credit history?

If you have no credit history, you may choose to apply for a secured credit card, student credit card, or retail shop credit card to assist them in developing and building credit.

What documents do I need for an instant credit card application?

You must present your PAN card, most recent income stubs, evidence of residency, and identification verification.

Is there a difference between instant approval and instant issuance?

As the name suggests, instant approval means getting your credit card application approved whereas instant issuance allows banks to produce payment cards for you on the spot.

What is the credit limit on an instant credit card?

The limit is decided by the credit card provider as per your eligibility and income.

Can I use my instant credit card immediately after approval?

You can add your instant credit card number to your digital payment wallets and then use it immediately after approval. Also, yourcredit cardcan be used for offline purchases..

How do I receive my instant credit card?

You can get your instant credit card number instantly for usage. The physical card will reach you after a few days via mail.

Can I apply for multiple instant credit cards at once?

You can apply for multiple instant credit cards at the same time, but you need to have a good credit score and low debt.

Is there an annual fee for instant credit cards?

The AirtelAxis Bank Credit Cardhas only ₹500 as the annual fee. If the yearly spending surpasses Rs 2,00,000/-, the annual charge is waived off.

What interest rates are associated with instant credit cards?

The realcredit card interest rateon an instant card is determined by a variety of criteria, including whether you have missed payments, which merchant you are using, and many more. You should try to pay your credit card payments on time to avoid paying credit card annual percentage rate (APR).

Can I request a balance transfer with an instant credit card?

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Up to ₹16,000 in yearly cashback

Can I upgrade my instant credit card in the future?

There are several ways to seek a credit card limit upgrade, and some of them may deliver an instant decision.

What happens if my instant credit card application is declined?

You need to check your credit score, documents, eligibility factors and re-apply for an instant credit card application.

Can I check the status of my instant credit card application online?

Visit the bank’s official website and navigate to the ‘Credit Cards’ section on the homepage. Click ‘To know your Application Status’ on the right side of the page. Click ‘Proceed,’ which will send you to another page with the heading ‘Track your online application status.’

What are the common reasons for instant credit card application rejection?

Some of the common reasons for instant credit card application rejection are low credit scores, invalid documents and not fulfilling the eligibility criteria.

Are there any special promotions or bonuses for instant credit card applicants?

Currently, there are no special promotions or bonuses for instant credit card applicants.

How do I activate my instant credit card once approved?

You will receive the quick credit card in your mailbox within a few minutes if you are approved for it. Before you may use this card for online purchases, you must first activate it by generating a One Time Password (OTP) from your registered mobile number.

Can I apply for an instant credit card if I have a low credit score?

Your instant credit card application may be rejected if you have a low credit score.

What is the typical credit limit range for instant credit cards?

Your credit limit is determined by the bank depending on your credit score and monthly income.

Are there any fees associated with using an instant credit card for cash advances?

With Airtel instant credit card beginning with the second year, the annual fee is Rs 500. However, if the annual expenditure exceeds Rs 2,00,000/-, the annual penalty is cancelled.

Can I add an authorized user to my instant credit card account?

It is always good to add your name to your instant credit card account. You can use someone else’s credit card in your name as an authorised user.

Is there a grace period for payments on instant credit cards, and how long is it?

When it comes to credit cards, the word grace period solely refers to the time when you may avoid paying interest. There is usually no grace period for your payment. You will be charged a late fee if you do not pay at least the minimum amount payable by the due date.