Applying for a credit card online is a straightforward process if you have the necessary documents ready. I had mine approved in under ten minutes, and the whole process was smoother than I expected.

The first thing I did was compare cards based on what mattered to me, whether it was, rewards, or no annual fees. Once I found the right card, I went to the official website and downloaded the online credit card app.

Then, I filled out my details with my name, PAN, income, and address. These days, most issuers make it super easy with eKYC. You can use Aadhaar and OTP or even video KYC, so everything is digital and quick.

If you qualify, you can get approved almost instantly. Sometimes they even give you a virtual card right away. This means you can start shopping online and make credit card payments without a physical card.

When your card is ready, using the app to manage it is really easy. You can track what you spend, set your limits, pay bills, and check out offers, all in one place.

I’ve been using the One Credit Card myself, and it’s been great. The OneCard App offers everything, from checking statements to paying bills. In addition, it sends real-time alerts and tracks rewards, which helps me stay in control and get the most out of my card.

You can choose the same, if you are looking for a credit card that is flexible for all category spends and offers accelerated 5X reward points on top two spending categories. Hope this helps you understand the digital process to apply for a credit card.