ICICI Bank Credit Card Application Process and Timeline in India
Applying for a credit card in India, such as through ICICI Bank, is fairly straightforward, either online or at a branch. The time to receive the card depends on verification and approval processes.
Typical Timeline:
1. Application Submission: Online or at a branch.
2. Verification: Bank checks income, employment, credit history, and other details.
3. Credit Check: Evaluates credit score and past repayments.
4. Approval & Dispatch: Once approved, the card is sent to your registered address. Activation and PIN setup are needed before use.
Factors Affecting Approval Time:
- Meeting eligibility criteria: Age 18+, Indian citizen, minimum income (usually ₹15,000/month), and valid ID/address proofs.
- Documentation: PAN, Aadhaar, Voter ID, passport, salary slips, bank statements.
- Credit history & score: Good score (700+) speeds approval.
- Existing credit cards: High usage or overdue accounts may delay processing.
Typical Duration: Approval can be instant for some applicants, but usually takes a few days to a few weeks depending on application completeness and bank checks.
Tip: Avoid applying for multiple cards at once to prevent delays or credit score impact. ICICI Bank applicants can check status online or via 1800 1080.
