Instant approval Credit cards

Instant approval cards allow you to get approved within minutes, and you can start using them right away. In India, there are several instant approval credit cards available, each with its own set of benefits.

Best Instant approval Credit cards 2025

Citibank Cash Back Credit Card

Features

The Citibank Cashback Credit Card is one of the best options for those who want an instant approval card with great benefits.
The card offers a range of benefits, including cashback on all transactions, reward points for every spend, and zero liability on lost cards.
Additionally, the Citibank Instant Approval Credit Card has no annual fee, making it an affordable option for those on a budget.

ICICI Bank Instant Platinum Credit Card

Features

The ICICI Bank Instant Platinum Credit Card is another great option for those looking for an instant approval credit card with benefits.
The card offers a range of benefits, including cashback on all transactions, reward points for every spend, and zero liability on lost cards.
Additionally, the ICICI Bank Instant Platinum Credit Card has no annual fee, making it an affordable option for those on a budget.
Exciting Dining offers through Exclusive dining ICICI Bank Culinary Treats Programme.

Axis Bank Insta Easy Credit Card

Features

The Axis Bank Insta Easy Credit Card is a popular chip and pin enabled credit card that you can avail against your Fixed Deposit with the bank
1% surcharge waiver on all fuel transactions
15% discount on partner restaurants of Axis Bank
Visa International Global Assistance services

SBI Simply CLICK Credit Card

Features

The SBI SimplyCLICK Credit Card is an excellent option for those who want an instant approval credit card with great benefits.
The card offers a range of benefits, including cashback on all transactions, accelerated reward points on online spends (10X), and zero liability on lost cards.
You can get annual fee of Rs 499 reversed for your SimplyCLICK SBI card for annual spends of Rs. 1 Lakh over in the subsequent year

What are instant approval credit cards?

Instant approval credit cards are a type of credit card that offers quick approval to applicants. The approval process is usually done online and can take just a few minutes. This means that you can apply for a card and get approved almost instantly.

These cards are designed for people who need access to credit quickly, such as those who are traveling and need to make purchases or those who have an unexpected expense that they need to cover. They are also ideal for people who have a good credit score and are looking for a card with good benefits.

Benefits of instant approval credit cards in India

Quick approval process: As the name suggests, one of the biggest benefits of instant approval credit cards is the quick approval process. You can apply for a card and get approved within minutes. This is especially useful if you need access to credit quickly.
Cashback and rewards: Many instant approval credit cards in India offer cashback and rewards on purchases. This means that you can earn rewards or cashback on your purchases, which can help you save money in the long run.
No annual fee: some instant approval credit cards in India come without an annual fee. This means that you can enjoy the benefits of the card without having to pay an annual fee.
Low interest rates: Many instant approval credit cards in India offer low-interest rates, which can be helpful if you need to carry a balance. This can help you save money on interest charges.
Travel benefits: Some instant approval credit cards in India offer travel benefits such as airport lounge access, free travel insurance, and discounts on travel bookings. These benefits can be especially useful for frequent travelers.
Easy redemption: Many instant approval credit cards in India offer easy redemption options for rewards and cashback. You can redeem your rewards or cashback easily through the bank’s website or mobile app.

How to choose the right instant approval credit card in India?

Look for a card with good rewards and cashback: When choosing an instant approval credit card in India, look for a card that offers good rewards and cashback on purchases. This can help you save money in the long run.
Consider the interest rate: Look for a card with a low-interest rate if you plan to carry a balance. This can help you save money on interest charges.
Check for annual fees: Some instant approval credit cards in India have an annual fee. Make sure to check the annual fee before applying for a card.
Look for travel benefits: If you are a frequent traveler, look for a card that offers travel benefits such as airport lounge access, free travel insurance, and discounts on travel bookings.
Check for easy redemption options: Look for a card that offers easy redemption options for rewards and cashback. This can make it easier for you to redeem your rewards and cashback.

Disclaimers

Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.

Who is the Author?

Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.

How is the Content Written?

The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.

Why Should You Trust This Content?

This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.