Step-by-step process to apply online or offline for credit cards
Applying for a credit card is simple and can be done online (5 minutes) or offline (at bank branch). The process involves basic eligibility check, document submission, verification, and approval.
Compare different cards based on benefits, fees, and your spending pattern
Action: Visit bank website or BuyNswipe credit card comparison page
Verify minimum age (21 years), income, CIBIL score, and employment status
Action: Most banks require ₹1.5+ lakh annual income and CIBIL score 650+
Visit bank website and fill application with personal and financial details
Action: Takes 5-10 minutes; provide accurate information
Submit scanned copies of ID, address proof, income proof, and bank statements
Action: Digital submission for instant processing
Bank reviews your profile, CIBIL score, and calls for verification (optional)
Action: May take 1-3 days for verification
Bank approves and offers credit limit based on eligibility
Action: Decision in 24-72 hours
Physical card is couriered to your address with PIN in separate envelope
Action: Delivery takes 7-14 business days
Activate card via SMS/app and start using immediately
Action: Generate OTP and complete activation