With the growing fintech landscape, all the services are at your fingertips, be it ordering food or applying for a credit card. There’s no need to line up at the bank’s branch to get start the credit card application process; you can complete it in just a few minutes from the comfort of your couch.

While applying for it is easy, most cards can take up to two weeks to get approved and reach your doorstep. However, there are issuers and apps that give you an instant credit card that you can active in just few minutes after approval. These are called virtual credit cards. 

Here are some of the best credit cards online that offer instant approval which you can apply for by downloading the issuers mobile app or web platform. 

One Credit Card

The full-stack OneCard App allows you to not only apply but also helps in instant credit card activation. It allows you to set spending limits across categories so you can stay on budget and also helps you redeem reward points seamlessly. This credit card has no annual or joining fees either. 

Features:

• Offers 5X reward points on to two spending categories each month 
• Helps convert purchases to EMI easily 
• No reward redemption fee 

HDFC Bank Credit Cards

You can use HDFC Bank’s official website or the HDFC Bank MyCards App to check your eligibility. If you meet the criteria, you can apply for this card in three simple steps . The app is 100% secure to use. Once you get approval, you will get an e-card and password that you can use for your purchases.

Features:

• Allows to use the e-card till you receive the physical card
• Get discounts and offers from partners such as Swiggy, BookMyShow, Tata Neu and more 
• Earn reward points on eligible spends 

Bajaj Finserv RBL Bank SuperCards

The RBL MyCard App simplifies the application process and allows you to make bill payment simpler than ever. You can download this credit card online app and get notified of all your transactions in real time. 

Features:

• Earn reward points on making eligible purchases 
• Receive bonus points when making purchases in selected categories
• Convert purchases worth ₹2,500 into EMIs

Citibank Cash Back Credit Card

This is one of India’s best instant approval credit cards with a straightforward application process. You can use the Citi Mobile App to apply and get approval after submitting minimal documentation. Also, this card has no annual fees. 

Features:

• Allows to make purchases by simply tapping the mobile app
• Provides 5% cashback on phone recharge, movie tickets, and utility bills
• Allows you to access a saving calculator feature to plan purchases efficiently 

ICICI Bank Instant Platinum Credit Card

This card is a good choice for quick approval and a range of benefits. You can use the iMobile Pay App to apply and track all your purchases. This card has no annual or joining fee, making it an affordable option if you are on a budget. 

Features:

• Provides cashback on all transactions
• Helps earn reward points for every eligible spend
• Has a zero liability feature if the card is lost or stolen

SBI SimplyCLICK Credit Card

This card has a great rewards program. You can apply for it on the SBI Card Mobile App. It offers cashback, reward points (10X) on online shopping, and e-vouchers from Yatra and Cleartrip on crossing spending milestones. 

Features:  

• Instant approval process 
• Zero liability on lost cards
• Free add-on card

Choose from any of these instant credit cards to address your financial needs. Immediate access to credit can help you tackle daily and unexpected expenses without delay. If you are looking for a credit card online that offers quick approval, a virtual variant, and a range of benefits, consider the One Credit Card. 

With it, you will get approval in 5 minutes after an easy online application process. It comes with the powerful OneCard App, using which you can convert large payments into EMIs, redeem points, check your statement, activate virtual credit cards and more. 

The app also lets you fix budget limits and handle all aspects of your card usage with ease. The stylist metal One Credit Card also allows you to share your credit limit with your family, with up to 5 add-on credit cards. It also guaranteed 5X reward points on your top two spending categories each month. Apply online to enjoy this lifetime-free credit card!

Read Also: Maximize Your Benefits: Why You Should Apply for a Credit Card Online