Here is How to Get Quick Approval on Your Credit Card Application

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Credit Card Application

With online credit card apps, you can apply in minutes and enjoy instant onboarding when you apply for a card. Gone are the days of the long, tiresome process and having to wait for weeks to hear back from the credit card company. 

To ensure you get faster approval on the card you like, learn about the checks and processes of the issuer. Once you are in the know, you can not only sidestep rejection but also secure quicker approval. 


How to Speed Up Your Credit Card Approval Process

A lot depends on your credit health while seeking quick approval for your credit card application. Here are some strategies you can use:

1. Reduce Outstanding Debt Obligations

The first thing to do before applying for a credit card is to ensure that your current finances are not overshadowed by looming debt. If card issuers conclude that you are applying while struggling to pay your existing bills, they will perceive you as a high-risk applicant and a rejection is almost guaranteed. 

Hence, before applying for a new card, focus on reducing your existing debt and maintaining a low credit utilisation ratio.

2. Shop Around for a Suitable Cards

There are different types of credit card options available in the market, sometimes making it tough to choose one that suits you the best. However, it is essential to do due diligence and compare various cards, considering factors such as interest rates, annual fees, rewards programs, cashback offers, and other benefits. 

Look for a card that aligns with your spending habits and financial goals, and if you rely on mobile banking, make it a priority to choose a good online credit card app.

The One Credit Card full-stack mobile app is one of the top such online credit card apps in India, offering features such as:

  • Easy EMI conversion 
  • Instant virtual card activation 
  • Swiping to activate nearby offers 
  • Spending limits for each category with an option to set budget alerts via the app  
  • MyTrips feature with an in-built forex calculator allowing you to budget international spending
  • Sharing and tracking of credit limit with up to five family members via the app

3. Check the Eligibility Criteria

Once you finish your research and decide on what benefits you need in a credit card, check the eligibility requirements of your shortlisted cards. Each card has specific eligibility criteria, including minimum income requirements, salary cut-offs and minimum spending mandates. 

This way, you can avoid applying for a card you’re ineligible for, which causes unnecessary rejections and also negatively impacts your credit score. Moreover, it can also hamper your chances of getting a credit card for which you do meet the criteria.

4. Set Realistic Expectations

Be realistic about your credit health and select a card that aligns with your credit score status. If your credit is good, you’re likely to gain approval for a card with a higher credit limit and enhanced rewards. Otherwise, you can opt for secured cards or options with lower credit limits. A score of 750 or higher is considered to be ideal for quick approval.

5. Show Positive Repayment Patterns

Your credit card bill payment offers and records and credit history play a vital role in determining your creditworthiness. If card issuers note a favourable credit history, your chance of obtaining a credit card approval automatically increases.

6. Apply Online For Quicker Approval

Generally, online credit card applications are processed faster than mail or in-person applications. All the documentation and verifications are completed quicker, with faster turnaround times. Some, like the One Credit Card, offer a fully mobile and 5-minute onboarding process.

7. Furnish complete & accurate information

This may seem fairly straightforward, but make sure that you take extra caution when filling out that form! Your application should be filled in fully and accurately. You can face rejection if there are mistakes in essential details such as your name, address, income and employment information. 

8. Opt for an Add-on Card

While opting for an add-on card does not expedite your application, you can opt for it if you instantly want a card. All you need to do is apply for an add-on card from your parent or spouse if they are a creditworthy cardholder. 

This works best for students and for new earners who are yet to build a credit score. The One Credit Card has one such amazing facility, where you can apply for virtual add-on cards for family members on the online credit card app. 


Almost all financial institutions employ similar credit checks and process applications accordingly. While some card issuers assure 5-minute approval, some take up to two weeks to vet all necessary details. Understanding that this period varies from card to card is essential to making the right decision, especially when you have an emergency need for credit. 

For such instances, opt for the One Credit Card, a powerful metal card created with full-stack technology and a seamless mobile app. The standout feature of this card is its reward program which allows you to earn 5X points on the top two spending categories per month. In addition, you can enjoy EMI facility, zero annual and joining fees, no hidden charges, hassle-free digital application, and more. Apply online to get started. 

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