How Long Does It Take to Get Approved for a Credit Card in India? | Timeline & Tips for Faster Approval
For many individuals in India, owning a credit card is an essential part of their financial life. From shopping and making payments to managing cash flow and earning rewards, a credit card can offer numerous benefits. However, one common question applicants have when they apply for a credit card is: How long does it take to get approved for a credit card?
The approval timeline for a credit card application varies depending on several factors, including the type of card, the issuing bank, your credit history, and the accuracy of the documents you submit. Understanding this timeline and the factors that affect it can help you plan better and ensure a smoother approval process.
In this detailed guide, we will break down how long it typically takes to get approved for a credit card in India, the factors influencing this timeline, and tips to speed up the approval process.
The Credit Card Approval Process in India
When you apply for a credit card in India, the bank or financial institution follows a structured process to assess your application. The time it takes for approval largely depends on these steps:
- Application Submission
The first step is to submit your credit card application. You can either apply online or visit the bank in person to submit the required documents. In both cases, you will need to provide key information such as personal details, income proof, identity and address verification documents, and your consent to check your credit score.
- KYC Verification (Know Your Customer)
After your application is submitted, the bank will verify your KYC documents. These include your ID proof, address proof, income proof, and PAN card, among others. The bank will also check your credit history to assess your creditworthiness. This step may take anywhere from 2 to 5 business days.
- Credit Score Evaluation
Credit score is a key factor that influences credit card approval. Your credit score, typically provided by CIBIL or other bureaus like Experian, Equifax, and CRIF, is checked to assess your financial behavior and risk as a borrower. If your score is below the bank’s threshold, it may delay the approval process or even result in rejection.
- Application Processing
Once your documents and credit score are verified, the bank processes your application. During this phase, the bank also assesses your employment status, income level, and other financial aspects. This can take around 5 to 7 business days.
- Approval & Card Dispatch
If everything checks out, the bank will approve your application. The approval time may vary from a few days to a couple of weeks. Once approved, your credit card is dispatched, and you typically receive it within 7 to 15 business days. You may also receive an email or SMS notification once your card is on its way.
Also Read , What Documents Are Required for a Credit Card Application in India? | Essential Checklist for 2025
Estimated Time for Approval
On average, the approval process for a credit card in India takes anywhere between 7 to 15 business days. Some banks offer faster processing times, while others may take a bit longer depending on the complexity of the application.
Factors That Affect Credit Card Approval Time
The approval time for a credit card is influenced by several factors. Let’s look at the key elements that can affect how quickly you can get approved:
- Your Credit Score
One of the most critical factors that determine how quickly your application will be processed is your credit score. Banks in India usually require a minimum score of 750 for approval of most credit cards. If your score is above 750, your application is likely to be processed quickly. If it’s lower, it may take more time, or you may even face rejection.
A poor credit score may require additional verification steps, which can delay the approval process. It’s essential to check your credit score before applying to ensure you meet the bank’s criteria.
- The Type of Credit Card
The type of credit card you apply for also plays a role in the approval timeline. Standard cards typically have a quicker approval process compared to premium or co-branded cards (like airline or travel cards). Premium cards often require more in-depth scrutiny, such as income verification, higher credit score checks, and other documentation, which can extend the approval time.
- Bank’s Internal Processing Time
Each bank or financial institution has its own internal systems and protocols for processing credit card applications. Some banks, especially those with more advanced systems, may approve applications in just a few days, while others may take up to a few weeks. The more established banks often have streamlined processes, while newer or smaller banks may take longer.
- Quality of Documents Submitted
If you submit incomplete or unclear documentation, it can lead to delays in the approval process. It’s important to ensure that you provide clear copies of your KYC documents (identity proof, address proof, income documents) and that all information is accurate. Missing documents can prolong the verification process.
- The Volume of Applications
During peak seasons (such as festivals or New Year), many banks may receive a high volume of credit card applications. As a result, processing times may be longer than usual. However, applications during quieter months might be processed faster.
- Verification of Employment
If you’re a salaried individual, the bank might contact your employer to verify your employment status. This can take a few days if the employer takes time to respond to the verification request. Self-employed individuals may face delays while verifying business details or tax returns.
Also Read , What Credit Score is Needed to Get a Credit Card in India? A Complete Guide for 2025
Tips for Faster Credit Card Approval
If you want to expedite your credit card approval process, here are some tips that may help:
- Ensure All Documents Are In Order
Before submitting your application, double-check that all required documents are complete and accurate. This includes your ID proof, address proof, income verification, and PAN card. Providing these documents upfront can prevent delays.
- Maintain a Good Credit Score
A high credit score makes the approval process faster. If your credit score is high (750+), your application will be processed quickly, and you will also have access to better credit limits and lower interest rates.
- Choose the Right Credit Card
If you’re in a hurry to get a credit card, consider applying for a basic or entry-level card, which usually has a quicker approval time. Premium cards may take longer to process due to their additional requirements.
- Apply Online
Applying for a credit card online is often quicker than applying in person. Online applications are typically processed faster, and many banks offer instant approval or pre-approval in some cases.
- Check for Pre-Approval Offers
Some banks offer pre-approved credit card offers to existing customers. If you’re eligible for a pre-approved credit card, the approval time can be much faster, sometimes taking just a few days.
Also Read , How Does Credit Utilization Affect My Credit Score? Understanding the Impact for Indian Consumers
Common FAQs About Credit Card Approval in India
- How long does it take to get approved for a credit card in India?
Typically, credit card approval takes around 7 to 15 business days in India. This timeline can vary depending on the bank, the type of card, and the accuracy of your submitted documents.
- What can delay my credit card approval?
Delays can occur due to issues like incomplete or inaccurate documentation, low credit score, high volume of applications, or the type of credit card you are applying for. In some cases, the bank may also need to verify your employment or income, which can take additional time.
- Can I track the status of my credit card application?
Yes, most banks provide an online portal or a helpline to check the status of your credit card application. You can track your application’s progress using your application reference number.
- What happens if my credit card application is rejected?
If your application is rejected, the bank will usually provide a reason. Common reasons for rejection include a low credit score, insufficient income, or a poor credit history. You can reapply after improving your credit score or addressing the reasons for rejection.
- How can I speed up the credit card approval process?
To speed up the approval process, ensure that all required documents are accurate and complete. A good credit score also helps. You can also apply for entry-level cards or check for pre-approved offers to expedite the process.
- Can I get instant approval for a credit card?
Some banks offer instant approval for credit cards, particularly for pre-approved applicants or those with a good credit score. However, the physical card may still take a few days to reach you.
Conclusion
Getting approved for a credit card in India typically takes anywhere from 7 to 15 business days, but this can vary based on several factors, including the type of card, the accuracy of your documentation, and your credit history. By maintaining a healthy credit score, providing all required documents, and choosing the right card, you can reduce the time it takes to get your credit card approved.
Remember, credit cards are powerful financial tools, but it’s essential to manage them responsibly. Whether you’re applying for your first credit card or upgrading to a premium one, a smooth approval process starts with being prepared and informed.
Also Read , What is a Credit Card, and How Does It Work? A Comprehensive Guide for Indian Consumers
Disclaimer: The information provided in this article is for general informational and educational purposes only and should not be considered as financial or investment advice. Please consult a qualified professional before making any financial or investment decisions. Information may change over time, so we recommend verifying information before taking any financial decision. Some links in this post may be affiliate links, meaning we may earn a commission if you apply for a credit card or financial product through them, at no extra cost to you. We do not endorse or recommend any specific credit card or financial product. For more information, please read our full Disclaimer here.
pic credit : pexels.com