Criteria for Approval and Use of Instant Credit Cards Online


As we step into a more digitised world every day, the way we manage our finances has also significantly changed. One such example is the rising trend of instant credit card online application, which has made the process of obtaining credit cards much easier and faster. In this blog, we will discuss the criteria for approval and use of instant credit cards online, and how to apply for Rupay credit card.

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Understanding Instant Credit Card Online

Instant credit cards are essentially digital versions of physical credit cards. They are easy to apply for online and get approved instantly, allowing you to start transacting immediately. The biggest advantage of an instant credit card online is its immediacy and convenience, especially in a society that values time-saving and efficient financial solutions.

Criteria for Approval of Instant Credit Cards Online

The approval of an instant credit card online is dependent on various factors. Here are some of the primary criteria:

  • Credit Score: A good credit score is crucial as it reflects your creditworthiness. Banks usually prefer applicants with a credit score of 750 or above.
  • Income Proof: Regular income is another essential factor. The higher your income, the higher your chances of getting approved.
  • Age: Most banks require applicants to be at least 18 years old, while some may even have an upper age limit.
  • Employment Status: Being employed, especially with a reputed company, can increase your chances of approval.
  • Existing Debts: If you have existing loans or debts, they could affect your eligibility.

How to Apply for Rupay Credit Card?

Rupay, an Indian multinational financial services, offers an easy online process to apply for their credit cards. Here’s a step-by-step guide:

  1. Visit the official Rupay website, navigate to the ‘Credit Card’ section, and click on ‘Apply Now’.
  2. Fill the application form with your personal and financial details.
  3. Submit the necessary documents such as ID proof, address proof, income proof, etc.
  4. Once you’ve applied, the bank will verify your details and assess your creditworthiness.
  5. If approved, your digital Rupay credit card will be issued and sent to your registered email ID.

Using Your Instant Credit Card Online

Using an instant credit card online is similar to using a physical card. You can use it for online shopping, bill payments, booking tickets, and more. Just enter the card details at the checkout page of the website or app you’re using.

Precautions While Using Instant Credit Cards Online

While instant credit cards provide convenience and instant gratification, it also comes with its share of risks, primarily related to security and overspending. Here are some precautions you should take:

  • Secure Transactions: Ensure the website you’re transacting on is secure and trustworthy. Look for ‘https://’ in the URL and a padlock symbol.
  • Manage Spending: It’s easy to overspend when you have a credit limit at your disposal. Make sure to manage your spending and pay off your dues on time to avoid debt and maintain a good credit score.
  • Regularly Check Statements: Regularly checking your card statements can help you keep track of your spending and spot any fraudulent activities.


The concept of an instant credit card online is certainly a boon in the digital age. It not only offers convenience and immediacy but also caters to the needs of the tech-savvy generation. With the right knowledge and careful usage, you can make the most out of your instant online credit card. And if you’re considering to apply for a Rupay credit card, remember that meeting the approval criteria is key to a hassle-free application process.

Remember, the power of credit comes with the responsibility of wise usage. Happy spending!

Carol P. Middleton
Student. Alcohol ninja. Entrepreneur. Professional travel enthusiast. Zombie fan. Practiced in the art of donating rocking horses for the underprivileged. Crossed the country researching hula hoops in Deltona, FL. Won several awards for supervising the production of etch-a-sketches in Nigeria. Uniquely-equipped for investing in bathtub gin in the financial sector. Spent a year building g.i. joes worldwide. Earned praise for deploying childrens books in Africa.