Top 10 Credit Cards Which You Can Get Instantly

🏦 What Are Instant Credit Cards?

Instant credit cards are virtual or digital cards that are issued immediately after online approval. These are often linked to a bank’s mobile app or net banking platform, allowing customers to use the card almost instantly after approval—no waiting for physical delivery!

Key Characteristics:

• Digital access within minutes

• Quick KYC verification

• Ideal for emergency purchases

• Often come with zero or low annual fees

💳 Benefits of Instant Credit Cards

Instant credit cards offer multiple advantages, especially for first-time users or those who need quick access to credit. Here's why they’re gaining popularity:

✅ Advantages:

• Use it immediately after approval.

• No waiting time: This feature makes it ideal for urgent transactions or travel.

• Introductory offers: cashback, discounts, and welcome bonuses.

• Seamless integration is achieved by linking the service with UPI, various wallets, and online platforms.

• Reduced paperwork: Minimal documentation needed.

📝 Eligibility Criteria for Instant Credit Cards

Although instant credit cards can be obtained quickly, it is still important to conduct eligibility checks.

Criteria	Requirement
Age	18 years and above
Income	₹15,000/month (varies by issuer)
Credit Score	Preferably 700+ for better options
Employment Type	Salaried or self-employed
KYC Documents	PAN card, Aadhaar, address proof

⚙️ How Instant Approval Works

Advanced online verification methods enable instant approval. Here's how the process typically flows:

1. Online Application: Fill out the form on the bank or fintech website.

2. eKYC Verification: Aadhaar-based or video KYC.

3. Credit Check: Soft inquiry into your credit history.

4. If eligible, banks issue a virtual card instantly.

5. Physical Card Dispatch (Optional): Some banks also send the physical version later.

🏆 Top 10 Instant Credit Cards in India

Let’s explore the top 10 credit cards in India that you can get instantly, complete with key features, eligibility, and ideal usage.

🔹 1. HDFC Bank Millennia Credit Card

Best For: Cashback lovers and online shoppers

• Annual Fee: ₹1,000 (waived on ₹1 lakh annual spend)

• Welcome Benefit: ₹1,000 worth gift voucher

• Rewards:

  • 5% cashback on Amazon, Flipkart, and BookMyShow

  • 1% cashback on all other spending

• Instant Access: Available via HDFC mobile app immediately after approval

• Eligibility: Monthly income ≥ ₹25,000 (salaried)

Why It’s Great: It is considered one of the best cashback cards due to its high approval speed and wide merchant coverage.

🔹 2. ICICI Bank Coral Credit Card

Best For: Dining and movies

• Joining Fee: ₹500 + GST (reversed on ₹1.5L annual spend)

• Welcome Gift: 2 movie tickets/month from BookMyShow

• Features:

  • 2X reward points on dining and groceries

  • Access to airport lounges

• Instant Access: Use through ICICI iMobile app after e-approval

• Eligibility: Income above ₹20,000/month

Bonus Tip: ICICI often pre-approves this card for salary account holders.

🔹 3. Axis Bank ACE Credit Card

Best For: Google Pay users and bill payments

• Annual Fee: ₹499 (waived at ₹2L annual spend)

• Rewards:

  • 5% cashback on bill payments via Google Pay

  • 2% cashback on other transactions

• Virtual Availability: Instantly usable after mobile verification

• Eligibility: Minimum ₹15,000 monthly income

What Makes It Unique: Direct UPI integration for rewards on utilities.

🔹 4. SBI SimplyCLICK Credit Card

Best For: Young professionals and digital shoppers

• Joining Fee: ₹499 (reversed at ₹1 lakh annual spend)

• E-Voucher: ₹500 Amazon gift card as a welcome gift

• Benefits:

  • 10X reward points on Amazon, BookMyShow, Cleartrip, etc.

  • 1% fuel surcharge waiver

• Instant Digital Version: Provided upon verification via YONO app

• Eligibility: 700+ credit score, stable income
  

Quick Verdict: The best choice if you spend most of your time online.

🔹 5. Amazon Pay ICICI Credit Card

Best For: Frequent Amazon buyers

• Annual Fee: Absolutely free for lifetime

• Reward Points:

  • 5% cashback for Prime members

  • 3% for non-prime on Amazon

  • 1% elsewhere

• Instant Use: Integrated directly with Amazon account post-approval

• Eligibility: Existing Amazon user with good transaction history

Why Apply: The application is free forever, and Amazon automatically applies the cashback.

🔹 6. Flipkart Axis Bank Credit Card

Best For: Flipkart and lifestyle spending

• Joining Fee: ₹500 + GST (waived at ₹2L spend)

• Cashback:

  • 5% on Flipkart, Myntra

  • 4% on Swiggy, Uber, PVR

  • 1.5% elsewhere

• Instant Approval: Available on Flipkart with PAN & Aadhaar

• Eligibility: Credit score ≥ 700
  

Why It Shines: Flipkart exclusive offers + Axis cashback ecosystem.

🔹 7. IndusInd Bank Platinum Aura Credit Card

Best For: Families and lifestyle perks

• Joining Fee: ₹0 or customizable with vouchers

• Features:

  • Reward clusters (entertainment, shopping, dining)

  • EMI conversion options

• Instant Approval: On IndusInd website and partner fintechs

• Eligibility: Minimum ₹20,000/month income
  

Bonus Tip: Choose welcome gifts instead of paying joining fees.

🔹 8. Kotak 811 #DreamDifferent Credit Card

Best For: New credit card users

• Annual Fee: ₹0

• Key Benefits:

  • No joining or renewal fees

  • 1 reward point per ₹100 spent

  • Fuel surcharge waiver

• Instant Access: Apply via Kotak 811 app

• Eligibility: Kotak 811 savings account holder
  

Unique Perk: Secured credit card with fixed deposit backup.

🔹 9. OneCard Credit Card

Best For: Tech-savvy millennials

• Annual Fee: Lifetime Free

• Highlights:

  • Instant activation via app

  • 5X rewards on top spending categories

  • Full card control via mobile

• Eligibility: Based on OneScore and invite system

Why It’s Trendy: Ultra-modern interface, zero paperwork.

🔹 10. IDFC FIRST Millennia Credit Card

Best For: Students, freelancers & frequent shoppers

• Annual Fee: Lifetime Free

• Perks:

  • 10X reward points on online spends above ₹20,000/month

  • Airport lounge access

  • Interest-free cash withdrawals up to 48 days

• Instant Use: Available post e-KYC

• Eligibility: Age 21+, steady monthly income

Smart Move: Lifetime-free + attractive reward slabs.

🖥️ How to Apply for an Instant Credit Card Online

Applying for an instant credit card is a quick and mostly paperless process. Here’s a step-by-step guide to make your application smooth and fast:

🔄 Step-by-Step Process

1. Choose the Right Card Compare cards based on your needs—cashback, travel, shopping, etc.

2. Visit the Official Website Go to the bank or fintech partner's site or app (e.g., HDFC, ICICI, or OneCard).

3. Click on ‘Apply Now.’ The system will redirect you to a secure form.

4. Fill in basic information: name, PAN, income, occupation, and contact details.

5. Upload documents: PAN card, Aadhaar, and possibly proof of income.

6. Complete eKYC using Aadhaar OTP or Video KYC for instant verification.

7. Get Instant Decision If eligible, you’ll receive approval within minutes.

8. Access Your Virtual Card Start using your card for online transactions instantly.

9. Track Physical Card Dispatch Typically, we deliver physical cards within 7–10 working days.
   

❌ Common Mistakes to Avoid When Applying

Avoiding small but crucial errors can increase your chances of instant approval.

⚠️ Top Mistakes:

• Submitting incorrect information: Typos in PAN, name, or address can delay processing.

• Applying for too many cards: Multiple applications lower your credit score.

• Not checking eligibility: Always check income and credit score criteria before applying.

• Skipping document upload: Missing documentation often leads to rejections.

• Choosing the wrong card type: Apply based on your spending habits and needs.
  

⚡ Tips for Faster Credit Card Approval

To boost your chances of getting instantly approved, follow these insider tips:

🧩 Smart Tips:

• ✅ Maintain a credit score above 700

• ✅ Use your savings or salary account to apply for better chances

• ✅ Keep your documents (Aadhaar, PAN) digitized and ready

• ✅ Avoid applying during peak traffic times (early mornings or late nights are best)

• ✅ Opt for secured or co-branded cards if you’re new to credit
  

💳 Instant Virtual vs. Physical Credit Cards

Feature	Virtual Credit Card	Physical Credit Card
Usage	Online only	Online and offline
Issuance Time	Instantly post-approval	5–10 working days
Security	High (can be locked via app)	Moderate (subject to physical loss)
Availability	App-based or emailed	Courier delivery
Ideal For	Urgent payments, online shopping	Regular in-store purchases

Verdict: Virtual cards are ideal for quick digital payments, while physical cards offer all-around utility.

👥 Who Should Apply for Instant Credit Cards?

Instant credit cards aren’t for everyone—but they’re perfect for certain user types:

👤 Best For:

• First-time credit users: Easy way to build credit history.

• Salaried employees: Instant usage for online transactions and bills.

• Students & freelancers: Some fintechs offer low-limit cards to gig workers.

• Frequent online shoppers benefit from cashback and digital security.

• Emergency fund seekers: Instant access helps with unplanned expenses.
  

❓ Frequently Asked Questions (FAQs)

1. Is an instant credit card safe to use?

Indeed, instant cards come with OTPs, app locks, and encryption. They’re as safe as traditional cards.

2. How soon can I use my instant credit card?

You can use your instant credit card immediately upon approval. You’ll get a virtual card on the app or website.

3. Can I get an instant card with a low credit score?

Yes, but your options will be limited. Consider secured cards like Kotak 811 or OneCard.

4. Do I need a salary slip for applying?

Not always. Bank relationships or fixed deposits determine the availability of certain cards.

5. What is the minimum income required?

Typically, the minimum income required is around Rs.15,000 per month, although this can vary depending on the issuer and type of card.

6. Will applying affect my credit score?

Yes. Every application creates a hard inquiry, so apply wisely.

🔗 External Resources

• RBI Consumer Education on Credit Cards

• CIBIL Score Checker – Official Site
  

🏁 Conclusion

Instant credit cards significantly transform the financial landscape. Whether you're a salaried professional, a student, or someone looking for immediate credit access, there’s an ideal card waiting for you. With zero waiting time, attractive rewards, and online ease, instant credit cards are the future of spending smart in India.

Make sure you choose wisely, maintain a favorable credit score, and apply through official channels for the best experience.