An instant credit card functions exactly like a regular credit card. The main difference is that you get fast approval on credit cards after finishing the application procedure, as opposed to a normal credit card, which takes around seven to ten business days to approve.

Many advantages may be gained from instant approval credit cards, including the opportunity to make transactions swiftly and efficiently. This is very handy for you if you need to make an instant purchase.

You must be between the age group of 18 to 70 years and a resident of India. You need to provide your PAN card, latest salary payslips, residence proof, and identity proof.

An instant approval decision is guaranteed if all the credit card eligibility criteria are fulfilled.

If it’s an online application, it could be approved in few minutes. However, in other cases, it could take up to a month for the credit card issuer to inform you if your application is approved or not.

You can apply instant credit card online and via the Airtel Thanks app. Download the Airtel Thanks App from PlayStore or App Store to apply for a credit card. Then, select ‘credit card’ from the ‘Financial Services’ menu. After you enter the necessary information, your card will be given to you.

You need to provide Aadhar and PAN details, email address, phone number, and proof of residence for instant credit card application.

A good credit score is crucial to qualify for an instant credit card because it shows your creditworthiness.

If you have no credit history, you may choose to apply for a secured credit card, student credit card, or retail shop credit card to assist them in developing and building credit.

You must present your PAN card, most recent income stubs, evidence of residency, and identification verification.

As the name suggests, instant approval means getting your credit card application approved whereas instant issuance allows banks to produce payment cards for you on the spot.

The limit is decided by the credit card provider as per your eligibility and income.

You can add your instant credit card number to your digital payment wallets and then use it immediately after approval. Also, your credit card can be used for offline purchases..

You can get your instant credit card number instantly for usage. The physical card will reach you after a few days via mail.

You can apply for multiple instant credit cards at the same time, but you need to have a good credit score and low debt.

The Airtel Axis Bank Credit Card has only ₹500 as the annual fee. If the yearly spending surpasses Rs 2,00,000/-, the annual charge is waived off.

The real credit card interest rate on an instant card is determined by a variety of criteria, including whether you have missed payments, which merchant you are using, and many more. You should try to pay your credit card payments on time to avoid paying credit card annual percentage rate (APR).

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On Airtel Axis Bank Credit Card, you get rewards and cashback programs such as –

• Up to ₹16,000 in yearly cashback


• Joining fees are Rs. 500 but it will be waived off when you make a transaction of any amount and get an Amazon voucher of the same value.


• 1% cashback on all purchases.


• 25% cashback on Airtel Postpaid bills, Wi-Fi, DTH, and other services.


• 10% cashback on all Swiggy, Zomato, and BigBasket purchases.


• 10% cashback on utility bill payments (electricity and gas bills), as well as a 15% discount at partner restaurants.


• Access to a domestic lounge four times per year; and


• 1% fuel cost waiver.

There are several ways to seek a credit card limit upgrade, and some of them may deliver an instant decision.

You need to check your credit score, documents, eligibility factors and re-apply for an instant credit card application.

Visit the bank’s official website and navigate to the ‘Credit Cards’ section on the homepage. Click ‘To know your Application Status’ on the right side of the page. Click ‘Proceed,’ which will send you to another page with the heading ‘Track your online application status.’

Some of the common reasons for instant credit card application rejection are low credit scores, invalid documents and not fulfilling the eligibility criteria.

Currently, there are no special promotions or bonuses for instant credit card applicants.

You will receive the quick credit card in your mailbox within a few minutes if you are approved for it. Before you may use this card for online purchases, you must first activate it by generating a One Time Password (OTP) from your registered mobile number.

Your instant credit card application may be rejected if you have a low credit score.

Your credit limit is determined by the bank depending on your credit score and monthly income.

With Airtel instant credit card beginning with the second year, the annual fee is Rs 500. However, if the annual expenditure exceeds Rs 2,00,000/-, the annual penalty is cancelled.

It is always good to add your name to your instant credit card account. You can use someone else’s credit card in your name as an authorised user.

When it comes to credit cards, the word grace period solely refers to the time when you may avoid paying interest. There is usually no grace period for your payment. You will be charged a late fee if you do not pay at least the minimum amount payable by the due date.