How Can You Apply for a Free Credit Card Online?

Credit Cards are helpful financial instruments that make spending easy and rewarding. If you have a Credit Card, you receive rewards such as cashback, reward points, discounts, special deals, etc. In the present digital era, you don't even need to go through the trouble of going to a bank, waiting in lines, and filling out several forms. Now, you can apply for your desired Credit Card online with just a few taps.

This guide will walk you through the free credit card apply online process.

Eligibility criteria for Credit Card application

Before you go ahead and make your application, you must know the minimum eligibility criteria. Although different banks may have varied eligibility based on the type of Credit Card you choose, below are a few common ones.

• Age requirement: The majority of banks need you to be between 18 and 65 years old.
• Income requirement: You need a steady income to pay Credit Card bills. Some banks provide Credit Cards with Fixed Deposits which does not require you to meet the income requirement.
• Credit score: Having a good credit score (usually 700 or better) will increase your chances of getting approved.
• Employment status: Both salaried and self-employed can get a Credit Card if they show proof of income.
• Existing debts: Banks will review your outstanding loans and liabilities before sanctioning your application.
• Residency and nationality: Some banks provide cards only to Indian nationals, while others can give them to non-resident Indians (NRIs) with extra documentation.

Step-by-step instructions on free Credit Card apply process

Step 1: Research and select the appropriate

Not all Credit Cards give the same benefits. Depending on your spending habits, you might choose a card that gives you cashback, shopping discounts, travel, reward points or caters to your specific needs.

Step 2: Verify eligibility criteria

Go to the bank's website to verify the eligibility criteria first. Make sure that you meet the criteria to avoid rejection.

Step 3: Submit the online application form

After you have selected the right Credit Card, submit the application form on the website of the bank. You must enter personal details like your name, contact, date of birth, and PAN card details.

Step 4: Upload the necessary documents

Most of the banks insist that you upload scanned copies of necessary documents such as:

• Identity proof document (PAN card, aadhaar card, or passport)
• Residence proof(electricity bill, rent agreement, or voter id)
• Income proof (bank statements, salary slips, or income tax returns)

Step 5: Verification process

After you've applied, the bank will go through your details and cross-check the documents you provided. Some banks provide instant approval, and others take a few days to process.

Step 6: Approval and dispatch of Credit Card

Once you get approval, your bank will deliver your Credit Card to your registered address. You'll be guided on how to activate your Credit Card when you receive it.

Step 7: Activate your Credit Card

After your Credit Card has been sent, activate it according to instructions received from your bank.

Why apply for a free credit card online?

Applying for a Credit Card online has numerous benefits:

• Convenience: No waiting in long lines or bank visits is required.
• Instant approval: Most banks offer instant approval, therefore making it easy.
• Safe and paperless: Online application saves paperwork and makes secure transactions.

Conclusion

Online applying for a Credit Card is quite convenient. By going through these steps and being eligible, you can have your Credit Card sanctioned in no time. Start searching for your favourite card today and experience the advantages of a free Credit Card.

Note to readers: This article is part of HT's paid consumer connect initiative and is independently created by the brand. HT assumes no editorial responsibility for the content, including its accuracy, completeness, or any errors or omissions. Readers are advised to verify all information independently.

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