Credit Card Approval Process

All You Need to Know About the Credit Card Approval Process


For new applicants, the credit card registration process can seem to be a little hefty and intimidating. After all, you have done your research and now finally is the time to apply for your desired credit card. Moving towards this step you need to know each and everything about a credit card approval process, where you can apply for a credit card and what are the activities that are undertaken by the bank after you make your application for the desired credit card, etc.

Here's all you need to know about the credit card approval process to help you get started:

How to apply for a credit card?

You can apply for a credit card either online by visiting the official website of the credit card issuer and dropping an online request or you can manually visit the nearest branch to initiate the process.

It is easier and more convenient to apply for credit cards online because it saves your time, energy, cost, and other valuable resources. Below-given are the basic steps you can follow to apply for a credit card online:

  1. Go to the official website of the bank.

  2. From the navigation panel select Cards - Credit Cards

  3. Browse through the displayed list and select the card you wish to apply for.

  4. Click on "Apply Now"

  5. Fill out the online form with your personal and financial information.

  6. Read the terms and conditions and accept them.

  7. Submit the application.

  8. Once the application is submitted the bank will directly contact you for document verification and further processing.

Documents needed to apply for a Credit Card:

Some of the common but mandatory documents needed to apply for a credit card are:

  1. Identity Proof

  2. Address Proof

  3. PAN Card & Aadhar Card

  4. Income Proof

How the approval process works:

After you have successfully applied at your end and also the relevant documents are submitted, you are required to then wait for the bank to approach you for further processing. Hereunder given are the certain activities undertaken by the bank for the approval process:

  • Credit Score Check: The bank checks your credit report to know your creditworthiness and credit score.

  • Reference Check: There are 2 or more references asked from you at the time of filling out the form, the bank usually calls the given references to check the authenticity.

  • Document verification: All the documents submitted by you in the initial stages are now verified at this stage. Your mark sheets, income slips, etc. are all carefully checked and verified.


The bank will conduct a final examination of your monetary profile and provided papers after receiving your credit score before approving your application. If the application is accepted, the bank will decide the credit limit of the card depending upon the income, current debts, and credit score. Following that, the applicant will be notified of the progress of the application made, and the Credit Card will be mailed to your address.