Learn How to Apply for 5 Easy Approval Credit Cards in India

There are a lot of things that you can do with a credit card. You can purchase items or products that you normally cannot afford. It also helps build your credit score which is very important in today's modern society.

Indian banks have different options ranging from Visa to Mastercard in terms of credit cards. It can be daunting to find the right one for you and your financial needs.


If you're looking for a credit card that will help build your credit or get some impressive rewards, here are five different credit card options that have easy approval in India.

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Factors to Consider When Selecting Credit Cards in India

When you want to apply for the best credit cards in India, there are a few things that you need to know first.

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These are some of the factors you need to consider before applying for these credit cards.


Credit Score

Your credit score plays a very important role when you apply for any credit card.

Your credit score will be checked before you get approved.

If you want to get a credit card that has fast approval, you should already have a good to excellent credit score.


Ease of Approval

A lot of people are immediately turned off by banks or financial institutions which makes it very difficult to get a credit card.

While they are required to make an in-depth inspection, a credit card issuer must also be welcoming to applicants.

You should always check the application process and see if the issuer is applicant-friendly without compromising the quality of both credit card benefits and the services that they offer.

Interest Rates

Interest rates are another factor that you should be looking into when choosing a credit card.

Interest rates are usually higher so you should check which ones offer the lowest without compromising on the rewards or other perks for the card.

Some credit cards offer introductory 0% interest-free periods during sign-up.

Fees and Other Charges

When looking for a credit card, you should be checking the other fees aside from the interest rates.

Fees can add up very quickly and you end up paying for more than what you have initially understood. It is best that you compare different rates and fees from one credit card to another to know which one is the best.

Many rewards credit cards often allow you to earn rewards so you can use them to pay for the fees.

Learn How to Apply for 5 Easy Approval Credit Cards in India

India has a wide assortment of different kinds of credit cards.

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Some of them are great for salaried individuals while others are great for shopping and online purchases due to their rewards.

There are also credit cards that are great partners for traveling. Check the top 5 easy-approval credit cards in India below.

Axis Bank Insta Credit Card

If you have been suffering from a bad credit rating and you want to fix it, the Axis Bank Insta Credit Card should be very easy for you to apply and be approved.

You get to earn 100 reward points for every online transaction you make and even get a 2.5% waiver for fuel-related transactions. While there is a joining fee of Rs.500, it can be waived once you spend Rs.5,000 within 45 days.

The credit card's interest fee can be checked individually upon application or you may call their customer service number at 1 - 860 - 419 - 5555 for more information.

Citibank Cashback Credit Card

When it comes to cashback credit cards, the Citibank Cashback Credit Card is the optimal choice. You get as much as 5% cash back on utility payments and even when you use the card to purchase movie tickets.

You then get 0.5% cash back on other purchases and transactions you make with the card. What's great about this card is that the redemption process is automatically added as a statement credit in multiples of Rs.500.

There is no joining fee but you will need to pay an annual fee of Rs.500. You can call their hotline at 1860 210 2484 (India) or +91 22 4955 2484 (international) or visit their main office at Bandra Kurla Complex, Bandra East, Mumbai 400098.

Standard Chartered Platinum Rewards Credit Card

One of the best choices for salaried people who are currently employed, the Standard Chartered Platinum Rewards Credit Card boasts zero annual or joining fees when you apply for this card.

If you make a purchase or any kind of transaction within 60 days, you get 1,000 reward points and make 5 reward points for every fuel and dining transaction.

You'll get an interest rate as low as 3.75% monthly or an APR of 45%. You get more information when you call them at 011-66011500 / 011-39401500.

Kotak Indigo XL Credit Card

As one of the best travel credit cards in India, the Kotak Indigo XL Credit Card offers as much as 6% savings on Indigo Flights. You get perks such as complimentary seats, priority check-in and so much more.

This is the perfect travel partner for those who wish to enjoy their travel experience. Cardholders are expected to pay a Rs.1,500 joining fee and annual fees as well as a 3.5% interest rate or 42% APR.

You can contact their customer service at +91 0124-6173838 or visit their office at Mumbai, 36-38A, Nariman Bhavan, 227 Nariman Point, India.

IDFC First Millennia Credit Card

The IDFC First Millennia Credit Card offers one of the lowest interest rates on this list with rates starting from 9% to 42% APR. You don't need to pay for joining or annual fees and you get vouchers once you have spent more than Rs.15,000.

The reward points that you earned never expires and there are no fees associated with redeeming your rewards. This makes them the ultimate credit card if you want to go big on savings and rewards.

For more information, contact them at 1800 10 888 or visit their office at KRM Tower, 7th Floor, No.1, Harrington Road, Chetpet, Chennai - 600031, Tamil Nadu, India.


If you are looking for high-quality, easy-to-approved credit cards in India, these options are some of the finest choices. They are great options for building credit, getting cashback rewards, and saving some money on vacation.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

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