List of Best Credit Cards Instant Approval [Updated List 2023]

Instant approval credit cards: In today’s fast-paced world, financial emergencies can arise unexpectedly. Whether it’s a medical crisis, car repairs, or home appliance failures, having access to quick financial solutions is crucial. Traditional credit card application processes can be time-consuming, taking up to 10 business days for approval and card delivery. However, for those in urgent need of funds, instant-approval credit cards in India provide a convenient solution. In this article, we will explore the concept of instant approval credit cards, their benefits, and the top 10 options available in India in 2023.

What is an Instant Approval Credit Card?

An instant credit card is essentially a virtual credit card that you receive as soon as it gets approved. Unlike traditional credit cards that require waiting for physical delivery, instant approval credit cards in India provide immediate access to credit once approved.

How do Instant Approval Credit Cards work?

Instant-approval credit cards work like virtual credit cards. Once approved, users are assigned a unique credit card number for online transactions. This number can also be added to digital wallets like Google Pay and Samsung Pay for immediate use. While the physical card may arrive by email within 10–15 business days, the virtual card ensures instant access to funds.

Also: Best 6 Credit Cards with No Annual Fees in India 2023 [Updated List All Banks Credit Cards Zero Fees]

Top 10 Instant Approval Credit Cards in India

Let’s explore the top 10 instant approval credit cards in India for 2023:

1. HDFC Bank Instant Approval Credit Card

  • Annual Fee: Rs. 499+GST
  • Best Suited For: Cashback
  • Key Features: Enjoy benefits worth ₹4,000 during the first four months of card usage.

2. Bajaj Finserv RBL Bank Super Card

  • Annual Fee: Rs. 999+GST
  • Best Suited For: All-round Benefits
  • Key Benefits: Receive ₹14,000 in free health benefits when using the Bajaj Finserv health app.

3. HDFC Regalia

  • Annual Fee: Rs. 2,500
  • Best Suited For: Travel and Shopping
  • Key Features: Complimentary Priority Pass Memberships with six free international visits for primary and add-on members.

4. Axis Bank Insta Easy Credit Card

  • Annual Fee: Rs. 250+GST
  • Best Suited For: EMI options
  • Key Benefits: 1% fuel surcharge on all fuel transactions.

5. Amazon Pay ICICI Credit Card

  • Annual Fee: Nil
  • Best Suited For: Online Shopping and Cashback
  • Key Features: Get 5% cashback on Amazon purchases for Prime users.

6. Citi PremierMiles

  • Annual Fee: Rs. 3,000
  • Best Suited For: Air Miles
  • Key Benefits: Earn 10,000 Bonus Miles on spending Rs. 1,000 or more within 60 days of card issuance.

7. HDFC Millennia

  • Annual Fee: Rs. 1,000
  • Best Suited For: Cashback
  • Key Features: Get 5% Cashback on select online platforms, including Amazon, Flipkart, and more.

8. Standard Chartered Virtual Credit Card

  • Annual Fee: Rs. 49/month
  • Best Suited For: Online Shopping
  • Key Benefits: Enjoy flat discounts across multiple brands, including Myntra, Grofers, and Yatra.

9. Kotak 811 #Dream Different Credit Card

  • Annual Fee: Rs. 500+GST
  • Best Suited For: Bonus Points
  • Key Features: Earn 500 bonus reward points on spending ₹5,000 or more within the first 45 days of card activation.

10. HDFC Bank Diners Club Privilege

  • Annual Fee: Rs. 2,500
  • Best Suited For: Travel and Lifestyle
  • Key Benefits: Enjoy complimentary memberships to Amazon Prime, MMT Black, Times Prime, and more.

Benefits of Instant Approval Credit Cards In India

Instant approval credit cards in India offer several advantages:

  1. Special Discounts/Offers: Some credit card issuers provide exclusive discounts and offers to instant approval credit cardholders, giving them access to unique deals.
  2. Increased Security: Virtual credit cards are more secure than physical ones, as they often have one-time use options and limited validity periods, reducing the risk of theft or fraud.
  3. Flexibility: Users can create instant approval credit cards for any amount, offering greater flexibility than physical cards.
  4. Convenience: All essential card details are available online, accessible via mobile phones, making it convenient for online transactions.
  5. Earn Rewards: Instant credit cards allow users to earn reward points quickly, even before the physical card arrives, enhancing the benefits of early usage.

Instant Credit Card Cons

While instant approval credit cards are convenient, there are some limitations to consider:

  • They cannot be used at merchant swipe machines.
  • Cash withdrawals are not possible with instant credit cards.
  • Accessibility to instant approval credit cards may vary.


Instant-approval credit cards in India offer a swift solution to urgent financial needs. With a variety of options available, individuals can choose the card that best suits their needs. However, it’s essential to weigh the benefits against the limitations and make an informed decision when opting for an instant approval credit card in India.


  • What is a credit card?
  • How do I opt for an Instant Approval Credit Card in India?
  • Can I create an Instant Approval Credit Card in India?
  • What is the limit for Instant Approval Credit Cards in India?
  • Can I get secure instant credit card approval in India?
  • Will my instant approval credit card number in India change when I renew?
  • Can I get instant credits via email?
  • Is there an annual fee for Instant Credit Card Approval in India?

In conclusion, instant approval credit cards provide a valuable financial tool for those in need of quick access to funds in India. Understanding their benefits and limitations will help individuals make informed choices when selecting the right instant approval credit card for their needs.

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