Learn how to apply for a credit card using the PhonePe app in 2025. Step-by-step process, eligibility, required documents, and top card options explained.
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👉 Introduction
Digital payments in India have grown rapidly, and PhonePe has become one of the leading apps for UPI transfers, bill payments, insurance, and even investment. Interestingly, many users are unaware that they can also apply for credit cards directly from the PhonePe app.
In this guide, we will walk you through the exact steps to apply, the documents you need, eligibility criteria, and the best available credit cards you can access on PhonePe in 2025.
✅ Step-by-Step Guide to Apply for a Credit Card via PhonePe
1. Update Your PhonePe App
Make sure you are using the latest version of PhonePe from the Play Store or App Store. Log in with your registered mobile number.
2. Go to the Credit Card Section
On the home screen, scroll to “Financial Services” or directly search for Credit Cards.
Tap on the option to explore available cards.
3. Browse Available Credit Cards
- You will find cards from popular banks such as Axis Bank, ICICI Bank, and HDFC Bank.
- Each card will display details such as:
- Joining fee or annual fee
- Rewards and cashback offers
- Credit limit range
4. Tap on Apply
Choose the card that fits your needs and click on Apply Now.
You will be asked to enter:
- Full Name (as per PAN card)
- Date of Birth
- PAN Number
- Mobile Number
- Employment or income details
5. Complete KYC Verification
PhonePe redirects your application to the respective bank.
KYC can be completed via:
Aadhaar OTP verification
Video KYC with a bank representative
6. Approval & Card Dispatch
If you meet the eligibility, approval is given instantly.
A virtual card may be issued immediately.
The physical card will usually arrive within 5–7 working days.
📑 Required Documents
To apply successfully, keep the following ready:
PAN Card
Aadhaar Card
Income Proof (salary slip or bank statement)
Passport-size photograph
🎯 Eligibility Criteria
Minimum age: 21 years
A stable monthly income or self-employment
A CIBIL score of 700+ increases approval chances
🔥 Best Credit Cards Available on PhonePe (2025)
1. Axis Bank ACE Credit Card
5% cashback on bill payments
Free lounge access
Low annual fee
2. ICICI Amazon Pay Credit Card
High cashback on Amazon shopping
No joining fee
Lifetime free card
3. HDFC Millennia Credit Card
Reward points on online shopping
Dining and travel offers
Easy EMI options
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📌 Conclusion
Applying for a credit card through PhonePe is a quick and paperless process. With just your PAN, Aadhaar, and income proof, you can get approval in minutes.
If you’re wondering How to apply for a credit card on PhonePe? , the steps are simple: update the app → open the credit card section → choose your card → complete KYC → get approved.
Selecting the right credit card can give you cashback, reward points, and travel perks that add real value to your spending.
