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    Apply for an Instant Credit Card

    he biggest benefit of an Instant Credit Card is that the approval time is much shorter and you can start using it immediately. The Airtel Axis Bank Credit Card allows you to make cash withdrawals whenever you need them. Complete a quick application procedure on the Airtel Thanks app and prepare to enter a world of effortless payments.

    Why Choose an Instant Credit Card?

    The Instant credit card has a simple application process. It is entirelyonline and takes only a few minutes to complete. Within seconds,you will get confirmation of your application. Your credit card will bedelivered to your door within 7 to 10 business days following approval.

    Features of Instant Credit Card

    Big savings and cashback offers, now with Credit Card

    Higher credit limit

    Credit limit up to ₹5 lacs

    Huge annual savings

    Save up to ₹16,000

    Joining Fees

    Pay low joining fees

    Low annual fee

    Just ₹500 as annual fee

    100% digital process

    Apply on the Thanks app

    Relaxed eligibility

    18-70 years old can apply

    Benefits of Instant Credit Card

    Experience a privileged lifestyle with a credit card

    25% off on recharges

    Paid via Airtel Thanks

    10% off on delivery

    Zomato, bigbasket, Swiggy

    10% cashback offers

    Utility bills via Thanks

    Extra 1% cashback

    On all other spends

    Airport lounge

    4x lounge access/year

    Fuel waiver

    1% fuel surcharge waiver

    How to Apply for a Credit Card?

    Applying for a credit card is very easy. Follow the steps below:

    Get Airtel App

    Download the app and go to Shop section

    Tap Airtel Finance

    Click on the credit card banner

    Select Apply Now

    Now fill up the complete application form

    Complete digital KYC

    The card will be delivered to you very soon

    Instant Credit Card Eligibility

    Fulfill these eligibility criteria to get the Credit Card!

    Resident status

    The credit card applicant must be an Indian resident or a non-resident Indian.

    Age Limit

    Age of the primary cardholder should range between 18 and 70 years.

    Documents Required

    PAN card or Form 60, Residential, Identity, and Income proof, Colour Photograph

    FAQs on Instant Credit Card

    What is an instant credit card?

    An instant credit card functions exactly like a regular credit card. The main difference is that you get fast approval on credit cards after finishing the application procedure, as opposed to a normal credit card, which takes around seven to ten business days to approve.

    How does the instant approval process work?

    Many advantages may be gained from instant approval credit cards, including the opportunity to make transactions swiftly and efficiently. This is very handy for you if you need to make an instant purchase.

    What are the eligibility criteria for an instant credit card?

    You must be between the age group of 18 to 70 years and a resident of India. You need to provide your PAN card, latest salary payslips, residence proof, and identity proof.

    Is the instant approval decision always guaranteed?

    An instant approval decision is guaranteed if all the credit card eligibility criteria are fulfilled.

    How long does it take to get a decision on my application?

    If it’s an online application, it could be approved in few minutes. However, in other cases, it could take up to a month for the credit card issuer to inform you if your application is approved or not.

    Can I apply for an instant credit card online?

    You can apply instant credit card online and via the Airtel Thanks app. Download the Airtel Thanks App from PlayStore or App Store to apply for a credit card. Then, select ‘credit card’ from the ‘Financial Services’ menu. After you enter the necessary information, your card will be given to you.

    What information is required for the instant credit card application?

    You need to provide Aadhar and PAN details, email address, phone number, and proof of residence for instant credit card application.

    Do I need good credit to qualify for an instant credit card?

    A good credit score is crucial to qualify for an instant credit card because it shows your creditworthiness.

    Can I apply for an instant credit card with no credit history?

    If you have no credit history, you may choose to apply for a secured credit card, student credit card, or retail shop credit card to assist them in developing and building credit.

    What documents do I need for an instant credit card application?

    You must present your PAN card, most recent income stubs, evidence of residency, and identification verification.

    Is there a difference between instant approval and instant issuance?

    As the name suggests, instant approval means getting your credit card application approved whereas instant issuance allows banks to produce payment cards for you on the spot.

    What is the credit limit on an instant credit card?

    The limit is decided by the credit card provider as per your eligibility and income.

    Can I use my instant credit card immediately after approval?

    You can add your instant credit card number to your digital payment wallets and then use it immediately after approval. Also, your credit card can be used for offline purchases..

    How do I receive my instant credit card?

    You can get your instant credit card number instantly for usage. The physical card will reach you after a few days via mail.

    Can I apply for multiple instant credit cards at once?

    You can apply for multiple instant credit cards at the same time, but you need to have a good credit score and low debt.

    Is there an annual fee for instant credit cards?

    The Airtel Axis Bank Credit Card has only ₹500 as the annual fee. If the yearly spending surpasses Rs 2,00,000/-, the annual charge is waived off.

    What interest rates are associated with instant credit cards?

    The real credit card interest rate on an instant card is determined by a variety of criteria, including whether you have missed payments, which merchant you are using, and many more. You should try to pay your credit card payments on time to avoid paying credit card annual percentage rate (APR).

    Can I request a balance transfer with an instant credit card?

    Up to ₹16,000 in yearly cashback

    On Airtel Axis Bank Credit Card, you get rewards and cashback programs such as –


    • Up to ₹16,000 in yearly cashback

    • Joining fees are Rs. 500 but it will be waived off when you make a transaction of any amount and get an Amazon voucher of the same value.

    • 1% cashback on all purchases.

    • 25% cashback on Airtel Postpaid bills, Wi-Fi, DTH, and other services.

    • 10% cashback on all Swiggy, Zomato, and BigBasket purchases.

    • 10% cashback on utility bill payments (electricity and gas bills), as well as a 15% discount at partner restaurants.

    • Access to a domestic lounge four times per year; and

    • 1% fuel cost waiver.

    Can I upgrade my instant credit card in the future?

    There are several ways to seek a credit card limit upgrade, and some of them may deliver an instant decision.

    What happens if my instant credit card application is declined?

    You need to check your credit score, documents, eligibility factors and re-apply for an instant credit card application.

    Can I check the status of my instant credit card application online?

    Visit the bank’s official website and navigate to the ‘Credit Cards’ section on the homepage. Click ‘To know your Application Status’ on the right side of the page. Click ‘Proceed,’ which will send you to another page with the heading ‘Track your online application status.’

    What are the common reasons for instant credit card application rejection?

    Some of the common reasons for instant credit card application rejection are low credit scores, invalid documents and not fulfilling the eligibility criteria.

    Are there any special promotions or bonuses for instant credit card applicants?

    Currently, there are no special promotions or bonuses for instant credit card applicants.

    How do I activate my instant credit card once approved?

    You will receive the quick credit card in your mailbox within a few minutes if you are approved for it. Before you may use this card for online purchases, you must first activate it by generating a One Time Password (OTP) from your registered mobile number.

    Can I apply for an instant credit card if I have a low credit score?

    Your instant credit card application may be rejected if you have a low credit score.

    What is the typical credit limit range for instant credit cards?

    Your credit limit is determined by the bank depending on your credit score and monthly income.

    Are there any fees associated with using an instant credit card for cash advances?

    With Airtel instant credit card beginning with the second year, the annual fee is Rs 500. However, if the annual expenditure exceeds Rs 2,00,000/-, the annual penalty is cancelled.

    Can I add an authorized user to my instant credit card account?

    It is always good to add your name to your instant credit card account. You can use someone else’s credit card in your name as an authorised user.

    Is there a grace period for payments on instant credit cards, and how long is it?

    When it comes to credit cards, the word grace period solely refers to the time when you may avoid paying interest. There is usually no grace period for your payment. You will be charged a late fee if you do not pay at least the minimum amount payable by the due date.

    What is an instant credit card?

    When you apply for a physical credit card, you should get it within 15 days of being authorised. However, with an instant credit card, you do not have to wait so long. You application is accepted instantly and you can start using it immediately. The Airtel Axis Bank Credit Card allows you to make cash withdrawals whenever you need them, but you must utilize this option wisely owing to the related fees. Complete a quick application procedure on the Airtel Thanks app and prepare to enter a world of effortless payments.

    Features of Instant Credit Card


    An immediate credit card is excellent for managing and saving money, as well as achieving your financial goals. Here are some of the features of an instant credit card:

    • Higher credit limit of up to ₹5 lacs

    • Huge annual savings up to ₹16,000

    • Only ₹500 as the annual fee

    • 100% digital process to apply on the Thanks app

    • Relaxed eligibility up to 18-70 years old


    Benefits of Instant Credit Card


    Amazing Offers

    • Get up to ₹16,000 in yearly cashbacks,

    • Rs.500 will be charged as joining fees but can be waived off on transaction of any amount. You will receive an Amazon voucher worth Rs. 500 in return.

    • You will receive 1% cashback on all purchases.

    • Get a 25% cashback on Airtel Postpaid bills, Wi-Fi, DTH, and other services.

    • Get 10% cashback on all Swiggy, Zomato, and BigBasket purchases.

    • You will earn 10% cashback on utility bill payments (electricity and gas bills), as well as a 15% discount at partner restaurants.

    • Access to a domestic lounge four times per year; and

    • A 1% fuel cost waiver.


    Simple Application Procedure: In addition, the instant credit card has a simple application process. It is entirely online and takes only a few minutes to complete. Within seconds, you will get confirmation of your application. Your credit card will be delivered to your door within 7 to 10 business days following approval. Furthermore, any Indian citizen aged 18 to 70 can easily receive this card.

    An Additional Benefit: Overall, the Instant credit card is an excellent choice for everyone. It’s a fantastic way to save money and earn points on everyday purchases.

    How to Apply for an Instant Credit Card?


    To apply for an instant credit card using the Airtel Thanks App follow these steps-

    • Install the app from the PlayStore or App Store,

    • Choose ‘Credit Card’ under ‘Financial Services’,

    • Enter all the necessary information,

    • You will get your instant credit card after verification.


    Eligibility criteria to get an Instant Credit Card


    Instant credit card comes with exciting offers. Here are the eligibility criteria for the instant credit card:

    • You must be between 18 years to 70 years of age,

    • You must be a citizen of India,

    • You need to provide your PAN card, latest salary payslips, residence proof, and identity proof.


    Fees and Charges included in the Instant Credit Card


    One of the most appealing aspects of the Instant credit card are its cheap fees and interest rates. The yearly charge is Rs 500 beginning with the second year. However, if the yearly spending surpasses Rs 2,00,000/-, the annual charge is waived.

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