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How to Apply for Credit Card?

Updated on June 13, 2024 , 665 views

With plastic money being prevalent around the world, the use of these cards, such as credit and debit cards, is increasing with every passing day. Out of all the available options, credit cards are most in demand.

Apply for Credit Card

Keeping in mind the benefits that these cards offer, you can easily shop before and pay later. Apart from that, there are plenty of discounts, gifts, vouchers, rewards, cashback and more provided by these cards.

If you don’t own one yet, read this post ahead and find out how you can apply for credit card with ease.

Steps to Apply Credit Card Online

Courtesy of the upsurging demand for credit cards, financial institutions and banks have made it now easier for people to apply online. Thus, if you have access to internet banking, applying for a credit card will be a task that can be accomplished in a few minutes. Follow these steps to know more:

  • Visit the website portal of your Bank and log into your account
  • Click on Credit Card option and choose to apply
  • Fill up the form with your basic details, such as name, contact number, address, Income, and more
  • Upon submitting the form, you will get a Call from the bank’s representative, and they will guide you for the further process
  • A representative would come to your house to collect documents

Within a few days, you get a credit card delivered to your house. It is as simple as that.

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Basic Eligibility to Apply for a Credit Card

Although the eligibility factors depend upon multiple things and may also vary as per the bank, the below-mentioned ones are the basic requirements you must fulfil to apply for a credit card.

  • Should be of Indian nationality
  • Should be a minimum of 18 years
  • Can be either self-employed or salaried
  • Should have a good Credit Score, usually 700 or above

Documents Needed to Apply for a Credit Card

Again, just like eligibility, the types of documents required also depend upon the bank you are choosing. However, the basic would be income proof, address proof and ID proof.

You can submit any of the ones mentioned below.

For Salaried Individuals For Self-Employed Individuals
Passport, Voter’s ID, Aadhar Card, PAN Card Voter’s ID, aadhaar card, PAN Card, Passport
Employment Letter, Recent Salary Slip, Salary Certificate Telephone Bill, Electricity Bill, Aadhar Card
Telephone Bill, Electricity Bill, Aadhar Card Passport, Recent ITR statement, Certified Financials

Top Credit Card Banks Application Process

Steps to Apply HDFC Credit Card

If you wish to apply for an HDFC Bank Credit card, simply follow these steps:

  • Visit official website of HDFC bank
  • There, you will find a form on your screen that you would have to fill
  • Add in your details, such as full name, city, email ID, mobile number, office number company, and annual income
  • Tick the box to authorize that representatives can call and SMS you
  • Click Submit

A representative from HDFC will contact you to take the HDFC Credit Card application ahead.

Steps to Apply SBI Credit Card

SBI is one of the leading banks of the country. If you already have an SBI account, you can apply for its credit card with ease. Here is the procedure for the same:

  • Visit SBI Bank official site
  • In the home page, you will find a variety of credit cards
  • Choose the one that you wish to have and click Apply Now
  • You will then be redirected to a new page
  • There, you will have to add some of your details, such as personal details, professional details and current residential address
  • Click Submit

A representative from SBI will contact you to take the procedure ahead.

Steps to Apply Kisan Credit Card Online

The Kisan Credit Card (KCC) is a credit scheme that was introduced back in 1998 by all of the major Indian banks. Prepared by the National Bank for Agriculture and Rural

Development (NABARD), the objective behind this scheme is to offer loans for an agricultural requirement.

So, if you belong to this category, follow these steps to PM Kisan credit card online apply:

  • Visit the official website of your bank
  • Click on Credit Cards and choose Kisan credit card
  • You may find all of the relative information about this scheme, read eligibility and features
  • Fill up the given form and click Submit

A representative from the bank will contact you to take the procedure ahead.

Steps to Apply ICICI Credit Card

If you wish to know about ICICI Bank Credit Card apply process, follow these steps:

  • Visit the official portal of ICICI
  • Hover your cursor over Cards option in the menu
  • You will get a lot of options, in the end, click Credit Card
  • A new page will open up where you will find all of the products offered by ICICI, choose one and click Apply Now
  • Fill up the form with asked details and click Submit

An ICICI representative will give you a call to take the process further.

Steps to Apply Flipkart Axis Bank Credit Card

If you have not heard about this card yet, now is the time to get familiar. Flipkart Axis Bank Credit Card brings an entire world where you can avail cashback with every transaction that you make.

Along with that, you can also shop across varying categories to acquire ultimate discounts. Although you can apply for this card through Flipkart phone app; if not, here is the alternate method.

  • Visit the official portal of Axis bank
  • In the menu, hover your cursor on Explore Products
  • From the drop-down, choose Cards > Credit Cards
  • A new page will open up with all of the available options
  • Choose Flipkart Axis Bank Credit Card and click Apply Now
  • The next page will ask you if you are an existing Axis Bank customer, choose the option accordingly
  • If you choose Yes, you will have to check your eligibility and submit the application
  • If you choose No, you will have to add your details

Following this, a representative will contact you for further procedure.

Steps to Apply Amazon Credit Card

Initially, the Amazon Pay credit card was only for chosen customers who got the invitation to apply. This invitation came in the form of an email or a push notification to those who were ICICI customers and used the mobile application of Amazon. Now, if you match the eligibility criteria, you can easily apply for this card.

First, you get a ready-to-use digital card; then, a physical one is dispatched to you. However, you can also visit the ICICI Bank website to apply for this card.

  • On the ICICI bank website, choose Amazon Pay ICICI Credit Bank available under the Product section
  • Once there, click Apply Now
  • The page will get redirected to amazon[dot]in where you would have to check your eligibility

There is another alternate method for the same:

  • Open amazon.in either the app or the website
  • Choose Amazon Pay option
  • There, you can check the eligibility and apply for the card

Steps to Apply RBL Credit Card

If you are an existing RBL bank customer, applying for this credit card will be a seamless procedure. Simply follow these steps to move ahead.

  • Open the official website of RBL
  • Click on Menu available on the top right corner
  • Choose Personal Banking > Credit Cards
  • Choose the card as per the preference and click Read More
  • A new window will open up where details to Apply have been given
  • Follow those details, and you can get your RBL Credit Card within a few business days

Steps to Apply Kotak Credit Card

Applying for Kotak’s credit card is a game of a few seconds. The mentioned below steps will help you out:

  • Visit the official website of Kotak
  • Choose Explore Products from the menu
  • Click on Cards > Credit Cards
  • Choose one card according to your preference and requirements, click Apply Now
  • A new window will open where you will be asked whether you are an existing Kotak customer
  • Upon choosing Yes, you will have to add your customer ID and mobile number, tick the box and click Proceed
  • If you choose No, you will have to enter all of your details as asked, tick the box and click Proceed

Your application will be submitted, and you will be contacted shortly.

Steps to Apply Bank of Baroda Credit Card

Definitely, Bank of Baroda is a well-known financial institution in the country. Here is how you can apply for the credit card:

  • Visit the Bank of Baroda website
  • On the top, you will find an option of Credit Card
  • Hover your cursor of Looking for a Card
  • Select Choose Card
  • On the next window, you will find different credit card options
  • Choose one and click Apply Now
  • A pop up will appear on the screen, mentioning the documents needed to apply
  • And then, you will have to add all of your details as asked
  • Once done, click Verify Mobile Number

After that, your application will be submitted, and the process of availing of a credit card will begin.

Frequently Asked Questions

1. What is the minimum credit score required to get a credit card?

A. Usually, a credit score that is above 650 is considered an idea to apply for a credit card.

2. Is it possible to get a credit card without employment?

A. Yes, it is. However, in such a scenario, you must have a significant inflow of cash into your bank account each month to be eligible for a credit card.

3. How many credit cards can I possibly have?

A. You can have as many credit cards as you want. However, it should depend upon your spending behaviour and financial ability. Generally, to keep things in control, it is recommended to have not more than two cards.

4. Would I be able to get a credit card with a bad credit score?

A. Certain banks and financial institutes do offer credit cards to those who have a bad financial score. However, for that to happen, you may have to provide Collateral security.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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