In today’s fast-moving world, having a credit card is like having a second wallet. Whether shopping online, booking travel, or managing monthly expenses, a credit card gives you both convenience and flexibility. However, one common question many people have is, How soon can you get a credit card after applying?
The answer depends on how you apply, your credit score, your documents, and whether you’ve been pre-approved. Let’s understand the entire process of applying for a credit card in India and how to avoid delays.
Applying for a Credit Card in India: Two Main Ways
When it comes to credit card applications, there are two primary methods available:
1. Pre-Approved or Instant Credit Card
Many banks offer pre-approved credit cards to selected customers. These offers are usually given to people who already have a good relationship with the bank or maintain a good credit score.
- Your bank may send an SMS, email, or app notification about a pre-approved credit card offer.
- The application process is very short, usually just a quick online form.
- Once submitted, the approval is instant or within a few minutes.
- You can immediately use the card details to shop online through the bank’s app or net banking.
- The physical card is usually sent within a few working days.
These instant cards are available without heavy documentation and are a great option if you want a card quickly without long waiting.
2. Standard Credit Card Application
You can apply through the standard process if you are not pre-approved or want to explore different card options. This includes:
- Visit the bank branch or apply online through the bank’s website.
- Submitting basic documents like:
- PAN card
- Aadhaar card or any address proof
- Salary slip or income proof (for salaried)
- ITR or business proof (for self-employed)
- The bank will check your credit score and documents before deciding.
- Approval may take 1 to 3 working days if everything is in order.
- The physical card is usually delivered 7 to 15 working days after approval.
What Affects the Credit Card Approval Time?
Getting a credit card can be quick or slow, depending on the following things:
✅ Credit Score
A good credit score (usually 750 and above) increases your chance of faster approval. Banks trust people with a strong repayment history.
If your score is low or you missed payments earlier, the bank may take longer to review your profile.
✅ Document Accuracy
One of the biggest reasons for delays is wrong or missing documents. If your documents are unclear or don’t match your application, the bank may request a resubmission.
✅ Application Form Errors
Small mistakes like incorrect numbers, name spellings, or addresses can cause unnecessary delays. Always double-check the form before submitting it.
✅ Bank’s Processing Time
Each bank has its internal timeline. Some private banks process applications faster than public sector banks. Even within private banks, instant card processing is only available for selected customers.
Tips to Get Your Credit Card Fast and Without Delay
If you are planning to apply for a credit card and want to get it without unnecessary wait, keep these tips in mind:
1. Check Your Credit Score First
Before applying, check your CIBIL score online. If it’s above 750, your chances of approval are high. If not, improve your score by paying bills and EMIs on time.
2. Choose the Right Card
Select a card that suits your income and usage pattern. For example:
- Salaried professionals can go for cards with income-based eligibility.
- First-time users can choose secured cards (against FD).
- Frequent travellers can choose travel reward cards.
3. Apply Online
Online applications are often processed faster than those done at bank branches. Banks also offer instant e-approval for online forms.
4. Submit Complete Documents
Don’t delay uploading or submitting documents. Keep soft copies ready in advance—preferably scanned and not photos taken with a phone camera.
5. Use Pre-Approved Offers if Available
Don’t miss the opportunity if your bank already offers you a pre-approved card. These are the quickest to get and usually come without paperwork.
What Happens After Credit Card Approval?
Once your credit card application is approved, here’s what generally happens:
- The bank sends you a welcome kit with the card and usage instructions.
- You will receive an SMS/email with the activation steps.
- You may have to generate a PIN before first use.
- The card is ready to use for online and offline transactions.
If you applied for an instant or virtual credit card, you can use it even before the physical card arrives.
What If Your Credit Card Is Rejected?
Sometimes, despite applying correctly, your application may get rejected. Here are some common reasons:
- Low credit score
- Income not matching bank criteria
- Too many existing loans or EMIs
- Incomplete documents
You should wait at least 3 months before applying again. Repeated applications in a short time can lower your credit score further.
Also, check with the bank for the specific reason behind the rejection. Some banks may consider you again after you provide additional documents or if your score improves.
How Long Does It Take to Get a Credit Card?
Here’s a general timeline based on the type of application:
Application Type Approval Time Card Delivery Time
Pre-Approved / Instant Card: Few minutes, 3–7 working days
Standard Online Application 1–3 working days 7–15 working days
Branch Walk-in Application 2–5 working days 10–15 working days
These timelines may vary slightly depending on the bank, location, and public holidays.
Final Advice for First-Time Credit Card Applicants
If you’re applying for your first credit card, here’s some extra advice:
- Don’t apply to multiple banks at the same time. It affects your credit score.
- Start with a basic or entry-level card, then upgrade later.
- Use the card wisely. Keep spending under 30% of the limit and pay the bill monthly.
- Avoid withdrawing cash using a credit card—it comes with high interest.
Sources: HDFC Bank, SBI Card, ICICI Bank, Axis Bank, CIBIL India
