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Can I Apply for a Credit Card Online and Use it the Same Day?

credit card online

Credit cards have marked their position as invaluable financial tools in the everyday lives of people. A credit card can be used to make purchases without having to pay immediately, avail of short-term finance, procure emergency cash advance, avail rewards or cashbacks and build a credit score, among other things.

 From paying electricity bills to purchasing a car on EMIs, the benefits of credit cards are countless. Most people who use credit cards can’t imagine their lives without them. Due to the numerous useful benefits of credit cards, more and more people are applying for them.

At times, there might be situations wherein an individual needs a credit card on an immediate basis. This could be due to various reasons, including the fact that several goods and services can only be purchased by payment through a credit card.

 In case someone needs to purchase such an item on an urgent basis, they would need a credit card on the same day. Moreover, in a fast-paced world, it’s natural for people to expect that they will get a credit card quickly. Let’s find out how you can apply for a credit card and use it on the same day.

Instant Approval Credit Cards

The advent of online applications has revamped the processes of applying for — and issuing a credit card. Almost all credit card issuing companies provide the option of online application. 

Most of these online applications can be completed in a time period of less than 10 minutes. Some companies even offer an ‘Instant Approval’ feature on their credit cards, due to which you can get the approval within a few minutes. When you do a Google search for ‘credit card apply online’, your search results will be flooded with instant approval credit card offers. A popular instant-approval credit card in India is the Bajaj Finserv RBL Bank SuperCard, which functions as four cards in one. It is a credit card, loan card, cash card and EMI card all rolled into one.

While it’s common to get approval on the same day, not all companies offer same-day credit cards for instant use. Once you get the approval, you would normally have to wait for your credit card to arrive by post. 

This can take a few days to weeks. However, there are some credit card companies that offer ready-to-use credit cards. In this case, the issuer provides you with a virtual credit card. Therefore, you don’t have to wait for the physical credit card to be delivered to you. You will receive your virtual card details including the credit card number, CVV and expiry date of your card. Thanks to this option, you can start using your card for online spends the same day your application is approved. Virtual credit cards are completely safe for any kind of online transaction. All you need to do is save the card details on your phone, and you can use it for a number of transactions from anywhere.

How Do You Get a Credit Card and Use it on the Same Day?

Firstly, if you want a ready-to-use credit card, apply online to an instant approval credit card issuer.

Individuals with strong credit scores have a higher chance of receiving instant online approval. Additionally, it comes in 11 different variants to suit different lifestyle needs.