Despite the fact that there are literally hundreds of millions of credit cards in the world, some cards still stand out from the rest. These ultra-exclusive credit cards are for high rollers with high limits — and they want you to know it. Plastic is for plebeians; instead, these puppies are made of precious metals like titanium, palladium, and gold. Sadly, obtaining many of these metallurgic masterpieces requires hitting a six-digit monthly spending requirement — or even receiving a personal invitation directly from the issuer.

A Credit Card is no longer a luxury. It’s a must-have accessory in your wallet. A Credit Card brings a world of convenience, interest free period, discounts, CashBacks and Rewards Points. Whether you are a student or a teacher, self-employed or salaried, we show you how to get a Credit Card in three easy steps. 

Step 1: Choose your Credit Card

  • you can get a dozen of Credit card options from each bank.  For instance, Infinia Credit Card, Diners Club Black Credit Card
  • Now it is on you to choose your card depend on your expected usage and requirements, and the benefits you want– for example, some Credit Cards are great for travellers, some are designed for entertainment, others may be great for business. 
  • Once you have selected the right card, select the bank you are eligible for card
  • Once you chose the bank for your Credit card, submit all the required documents with your Credit Card application. 

Step 2: How to apply for Credit card

Get all your documents ready 

A bank will usually ask for identity, address and income proofs. If you are an existing customer that may not be necessary.

Apply online or at an ATM or visit your nearest branch with the required documents. 

Most cards come with an annual fee that is typically waived off when you achieve a certain limit of spends in a year. The annual fee will be included in your monthly statement. 

Step 3: Activate your card 

After your Credit Card application is approved, it is dispatched to your communication address. You will need to sign for it at the time of delivery and show some identity proof. 

A PIN (personal identity number) is usually couriered to you separately, whereas the Green PIN is sent on your registered mobile number. You will need the PIN to authenticate any transaction you do on your Credit Card. 

Once you get your Credit Card and the PIN in your hands, head to the nearest ATM of your bank to change the PIN. 

Congratulations! You now have a new Credit Card, and you’re ready for your first purchase. Happy shopping! 

To know more about the different Credit Card options available, click here.