An instant credit card is a game-changer for those who need quick access to credit. With the rise of digitised application processes, you can now apply for a card from the comfort of your home and get approval within a few minutes. Once approved, you can start using your new credit card right away if your issuer offers a virtual variant.
With a virtual card, the entire process becomes seamless and convenient. As soon as you are approved for the credit card, you can use your credit limit for online purchases without waiting for your physical card to arrive. These virtual credit cards are also more secure than physical cards during online payment. This is why understanding the features of an instant virtual credit card is important.
Top 4 Instant Credit Cards with Virtual Variants
While searching for an instant credit card, you will find many suitable credit cards online. Such cards will transform your overall experience with an array of perks, including:
- Complete control over your money
- Simplified usage, which adds to your convenience
- Facilitate your online purchases while tracking your spending efficiently
- Impeccable security to safeguard your transactions from any fraud
Other features are subject to the particular credit card you choose. That said, here are the top 4 options you can consider.
One Credit Card
One thing you will have to consider while picking your credit card is your primary intended use of it. However, it is an acceptable option to get a card that can take care of all of your requirements as the One Credit Card can. This is a metal credit card that will definitely add some style with comfort with the following features:
- Zero joining fee or annual charges
- No charges for reward redemption or EMI conversions
- 1% forex markup fee to plan your foreign trips
- 1 reward point for every transaction worth ₹50
- 5X reward points on your top two spending categories each month
- 1% (up to ₹400) fuel surcharge waiver per month
Fibe Axis Bank Credit Card
This is another top virtual credit card option to add convenience and value to your day-to-day transactions. To make an informed decision explore this excellent option and read the benefits with the reviews for the card you finally choose. Fibe Axis Bank Credit Card is India’s first numberless physical card which has a virtual variant as well. You can enjoy a wide range of features, including:
- Zero joining fee with no renewal charges
- 15% (up to ₹500) off with the Axis Bank Dining Delights Program at 1000+ restaurants
- 3% cash back on entertainment transactions
- 4 complimentary airport lounge access per quarter.
- 1% (up to ₹400) fuel surcharge waiver on fuel transactions from ₹400 to ₹5000 per month.
HDFC Bank RuPay Credit Card on UPI
To add more convenience, you can easily link this credit card with a UPI app. Apart from that, this card offers an array of deals that include:
- 3% cashback on groceries
- 2% cashback on utility bills
- 1% cash back on every other category transaction
- 3% cash points on dining transactions
- ₹99+ taxes is what you need to start your journey with this card
- No renewal fee if your yearly spending has crossed ₹25,000
YES BANK RuPay Credit Card
This is another credit card option with zero joining and annual charges. Plus, it offers a vibrant virtual variant, and it will offer benefits like:
- 2.75% forex markup fee on your transactions.
- 2 reward points on every transaction worth ₹200.
- 8 reward points on every ₹200 spent on transactions above ₹2000.
With the One Credit Card, you can get instant access to credit once your application has been approved. Simply use its virtual variant and complete your online purchases seamlessly. Apart from instant availability, this card comes with the OneCard App built on full-stack technology. With it, you can find the best offers near you via GPS and set budgets for different payment categories. It also allows you to convert your EMI instantly with no added charges or interest. Apply now to enjoy all these features and more!
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