Embracing the digital era, numerous banks now provide swift online Credit and Debit Card application processes that take only minutes to complete. Here are steps to get your hands on the best Credit Cards:

Choose the right bank

When you apply for the card, you must first research and choose one that suits your needs. There are different Credit Cards available in India, such as travel, cashback, rewards, fuel, and premium cards. Each has its set of features and benefits. It is important to compare them and choose the one that offers the maximum benefits and fits your lifestyle.

Check the eligibility criteria

Once you have chosen the Credit Card, check the eligibility criteria. Depending on age, income, credit scores, and employment status, this may vary between banks. Ensure that you meet such requirements before applying for the card.

Apply online

Most banks let you apply for a Credit Card online. For this, visit the bank's website and fill in the necessary details such as personal information, employment details, income, and contact information. You must also upload your identity, address, and income proofs.

Verification and approvals

Once you have applied, the bank verifies your details. The verification process may take a few days, post which the bank approves or rejects your Credit Card application. The bank dispatches the card to your registered address if your application gets approved.

Activate the Credit Card

After applying for the card and receiving it, activate it before using. Call the bank's customer care number or follow the activation process mentioned in the email. If you do not get a confirmation email, contact your bank right away.

Set up Online Banking

Setting up Online Banking helps. It lets you manage and monitor your Credit Card online. You can check your balance, view transactions, and make payments online. However, to enjoy these perks, register on the bank's website to set up Online Banking access.

Things to consider before using Credit Cards

• Each card comes with a credit limit. Be mindful of the same and not exceed it. Else, you can invite unnecessary penalties.
• Credit Cards usually charge interest on the outstanding balance. Check the interest rates carefully before applying for the card.
• Many Credit Cards provide rewards or cashback for using them. Make sure to review the terms and conditions of the rewards programme to understand how it works and what the rewards are.