How to Secure an Instant Credit Card Online without the Wait

Applying for a physical credit card and waiting for its delivery to your address can take weeks. However, with an instant credit card, you can enjoy faster approval. Certain instant cards offer a virtual credit card, a digital variant that links to your physical card and may be used immediately online after approval. 

Any payment you make with this card reflects on your credit card statement like usual. The added advantage is that you can use it more safely for online purchases as your card details are masked. You do not need to wait for your physical card to be delivered before you start using this variant. 

Why are Instant Credit Cards Becoming Popular?

On many fronts, instant and regular credit cards are almost similar. However, instant cards provide additional benefits, which are as follows:

• Improve Access to Credit In Emergencies

Most credit card companies offer instant or 24-hour approval to those applying for instant credit cards. This speed makes it easier for you to get quicker access to a credit limit. By generating a virtual variant via the issuer’s mobile app, you can use it online immediately. 

• Don’t Compromise on Rewards

Cardholders can enjoy the same rewards and discounts as they will on the physical credit card, so you don’t have to compromise on the perks. 

• Require Minimal Documentation

You don’t need to provide any proof or submit lengthy paperwork to get access to an instant card. In fact, you can activate this card’s virtual variant instantly after getting approval. 

How to Get an Instant Credit Card

The criteria to get approved for an instant credit card is the same as an unsecured credit card. Here are the key requirements you need to fulfil:

• Having a Good Credit Score

Your credit score is the first thing a credit card company checks before moving forward with assessing your application. A score above 750 is considered suitable for instant approval. Check your score and take measures to improve it before applying. 

• Checking Eligibility Criteria

Every issuer sets different eligibility criteria for approval. You can check the official site or get help from customer care to ensure approval. The terms are usually around age, citizenship, and income, and meeting all these criteria increases your chances of getting instant approval.  

• Clearing Your Debt

Your debt affects your credit score. As you need a credit score above 750, eliminating your debts before applying for an instant credit card is a good strategy. 

• Keep the Essential Documents Ready

Your issuer may ask for vital documents like name, age, employment, and income. It’s better to keep them digitally scanned and handy to ensure your application can be completed as soon as possible. 

Applying For an Instant Credit Card

There are only 4 easy steps to follow to get your instant credit card:

• Step 1: Select a card depending on your spending habits; for example, some cards are good for travelling, some for dining, and some for travel

• Step 2: Check the approval timeline of your shortlisted cards and see if they offer a virtual credit card

• Step 3: Choose a card and apply by attaching all the required documents online 

• Step 4: Await approval and activate the virtual variant for instant use 

Instant and virtual credit cards have changed the trajectory of the credit card application process. These credit cards offer various benefits and are tailored to the needs of customers seeking immediate financial solutions. You can consider the One Credit Card as applying for it is easy and activating the virtual variant only takes 5 minutes through the OneCard App. 

This lifestyle credit card gives you 5X reward points on your top sending categories every month, along with a range of discounts on travel, dining, entertainment and more. It also comes with zero annual and joining fees. Apply online to unlock all these benefits today!

Read Also: Online Credit Card Apps: The New Way to Get Approved Instantly