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3 simple steps to apply for a Credit Card

How to Apply for Credit Card

You have needs and wants that help live a comfortable life, but not all of them can be realized. There are financial needs, and they are essential for you to live and work. They include food, housing, fuel, electricity, insurance, and more.

You need a sizable amount of your salary to meet these everyday expenses. Anything outside your needs are wants, and they include entertainment, gym memberships, fashionable clothing, travel, etc. If you want to have them, you need extra money. With a credit card, you can spend money that you don’t have.

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Credit cards have become essential today for numerous benefits they offer you. If you are smart, you can use them intelligently, and even earn money through rewards, discounts and cashbacks. With several types of credit card on offer, you can apply for a credit card, which you qualify for. If you are working, doing business, or studying, you can have a credit card. Here are the 3 simple steps that show how to apply for credit card.

Step 1: Find a Suitable Credit Card

When it comes to credit cards, there are multiple cards offered by banks. They come with particular features and benefits to suit the purpose of an individual. For instance, there are premium credit cards like the FIRST Select Credit Card, which IDFC FIRST Bank offers. They help enhance your lifestyle with discounts on retail, food and health and wellness products. You also have insurance and medical coverage if you are looking for one.

For those looking for travel privileges can go for travel credit card apply online. With IDFC FIRST Bank, you can apply for the FIRST Wealth Credit Card to earn travel privileges such as the domestic and international airport lounge accessibility, spa visits, travel insurance coverage, air accident coverage, and many more. Similarly, if you want a card to suit your lifestyle, you can go for the one that offers a lot of reward points, discounts, fuel surcharge waivers, low interest charges, and no over-limit fees.

To know the right credit card, visit the IDFC FIRST Bank website here.

Step 2: Check Your Eligibility

You are required to meet certain eligibility criteria to acquire a credit card of your choice. Some standard requirements are:

  • You should be at least 18 years of age; some banks insist on the applicant being at least 21 years of age.
  • Your monthly income should be at least Rs 3 lakhs per annum. Nevertheless, it is advisable to check with your bank to know the minimum salary requirement to apply online credit card.
  • If you have a good payment history, you have higher chances of getting a credit card. Most banks check your credit score, which needs to be above 750 points to accept and proceed with the credit card application.
  • Your employment status also counts when it comes to evaluating your credit card eligibility. Being in the present job for at least one year is essential to qualify for the card.

Step 3: Submit Your Application

On finding yourself eligible for a particular credit card, you can proceed with filling out the credit card application online. For instance, IDFC FIRST Bank requires you to fill in your details such as the name, email address, pin code and mobile number to contact you and discuss with you about your creditworthiness and your suitable card. You can also apply on the IDFC FIRST Bank mobile app by downloading it.

The other options to apply a credit card is to visit the nearest branch.

To know more about IDFC FIRST Bank credit cards, click here. If you are still unsure about how to apply for credit card, you can click here to get started.



The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.