Get your Credit Card Status Online in One Click

Indian shoppers are gradually getting into the digital habit of using credit cards to make all their purchases and pay bills. As most retailers, both offline and online, have started accepting plastic money, even at your doorstep with mobile machines, Indians are happily adopting the credit card as the tool for payment for the majority of their needs, from flagship phones to utility bills. They even use credit cards to pay for hospital and medical bills. The means to pay by plastic has given many an Indian consumer the way to afford several products.

“Buy now and pay (easily) later” is the mantra that modern Indian consumers apparently live by. Between May 2019 and April 2020, India added 9.4 million credit cards to its already huge database of credit card users, which stood at some 52 million users in 2019. Banks and financial students are rife with publicity slogans that urge you to “get a credit card online”, so users are tempted to try the easy way out, and opt for a credit card. Besides the surge in credit use, the lockdown due to the Coronavirus pandemic has seen digital transactions using credit cards on the rise. This, Indians have realized, is a contactless and convenient way to pay.

Clear Benefits

A credit card is very easy to get online. With just a click away, users may get instant approval from banks and financial institutions from the convenience of their homes. All you require is a smartphone, and you can check credit card application status online. Adapting to unprecedented events like the pandemic has only enhanced credit card use, and increased credit card applications. Previously, debit cards held sway, but now, Indians see the logic of using credit cards to purchase items with clear benefits, such as obtaining credit of up to 45 days from the first purchase, plus offers tied to certain credit cards. Digital payments may have died in industries such as aviation, hospitality, restaurants, and tourism, but it has made up for it in sectors like shopping, especially groceries, pharmacies, online gaming, recharges and utility bill payments. By the time the lockdown was lifted, Indians were armed with new credit cards, even in tier 2 and tier 3 cities, and were practiced in paying by credit cards. During the lockdown, credit card users increased by 42%. First-time users who weren’t tech-savvy soon became the new populace of the Indian digital ecosystem.

Getting Cards Online

With less and less use of physical cash, the Reserve bank of India couldn’t be happier with India’s consumer demands for credit cards. Banks and finance companies have made processes to obtain a credit card very easy, and Indians are taking the bait. To get a credit card online, it takes just an initial click from a smartphone, which almost all Indians own. Reputed banks like Axis bank, ICICI Bank, Kotak Bank and SBI offer ways to apply for your credit card online. Many finance companies such as Bajaj Finserv also provide facilities for online application and approval. You may have to submit physical documents at offices and branches later, but the online process saves a ton of time.

Eligibility and Application

To be eligible for a credit card, you need:

• To be at least a minimum of 18 years of age (some banks require a minimum of 21 years or 25 years)
• A stable source of income (or parental income in case students apply)
• Income Tax documents and documents of proof of residence and identity (PAN Card, Aadhaar Card, passport, driver’s license, voter ID etc.)
• A bank account in the issuing bank or financial company, though this may not be mandated by some banks and companies

Applying for a credit card online is straightforward and hassle-free. All you need to do is go to the bank’s website, and follow menu-driven instructions. You may have to fill in an application online and before that, you may be asked for some information like contact details and email addresses. The process is very secure, with the issuance of single-use passwords. Once your application is submitted, you can check credit card application status online by using a special password given to you earlier. Once you get approval, you will need to submit your documents physically at the bank or company. After this, you will get your credit card easily.

Great Online Options

For financing anything you need, from paying utility bills to medical bills, you can use one of the best credit cards that you get instantly approved online. With peace of mind, use the Bajaj Finserv RBL Bank SuperCard and spend on what you want. Besides being a credit card, this card brings many other advantages, and you can use it as an EMI card with attractive offers tied in on a wide range of items, and avail personal loans for up to 90 days at a competitive interest rate of 1.16%. Use it as an ATM card too, with no interest when you make withdrawals for up to 50 days.