Want a Credit Card with Instant Approval? Here are Your Options!

We belong to the generation of people who want everything instantly- cabs, entertainment, food, and even credit cards. Speed, convenience, and ease have turned into a norm for all brands, which want their services and products to be on high demand amongst the customers. Banks are not different in this case.

These days, who would want to visit a branch of the bank or have a bank representative visit you, fill up a long application form, submit required documents, wait for some days, only to hear- “We apologize, but your application has been rejected.” Hence, if you have an option for applying online for a credit card in UAE and getting an instant approval, there is nothing better.

Here we have listed 3 credit cards with amazing benefits and privileges, which can be obtained easily because of instant approval. 

Mashreq Bank Credit Cards

For simplifying and digitalizing the application process of the products, now Mashreq bank offers an end-to-end application and instant approval for their credit cards. Let us see how it works.

1. Begin the application process online by getting your contact number authenticated.
2. Scan the Emirates ID or upload your copy and verify the personal details.
3. Submit the details of your employment and provide you IBAN for verifying the salary.
4. Enter the residential address.
5. Get approval for your credit card in UAE
6. The card will get delivered to you in 2 business days- no need to submit any documents.

Both existing, as well as new customers, can apply for Mashreq Platinum Elite, Mashreq Cashback, or Mashreq Solitaire card with this option. 

Mashreq Platinum Elite Credit Card

This is a credit card that offers you attractive rewards from the Mashreq Salaam Points scheme with some “Elite” privileges. It involves an annual fee of AED 682.5 and the retail rate of interest charged is 3.45% per month.

Rewards Earned

You will get a chance to earn 5 Salaam points against each dirham spent internationally in currencies other than UAE dirhams, 3 Salaam points against each dirham spent on supermarket shopping, and dining in AED, and 1 Salaam Point against each dirham spent locally. You can redeem these points instantly for a huge range of products at more than 2,000 stores. You can also use these points to buy flight tickets from any airlines via a dedicated website for Salaam. 

Other Benefits and Privileges

• Enjoy free access to above 700 airport lounges using this Mashreq Credit Card.
• Traveling to any of the European Schengen countries needs a travel insurance certificate, which is included in the visa procedure for these Schengen countries. You get the travel insurance free with this Platinum Elite Card.
• Do not compromise your fitness with free visits to Fitness First using this card.
• Mashreq bank also offers free airport pick-up and drop facility for the cardholders.
• Get up to 50% of on dining and other exclusive discounts on wellness &spa, sports, health & fitness, entertainment & leisure, and more.
• It also offers security features such as extended warranty and purchase protection. 

Best Credit Card in UAE

Mashreq Solitaire Credit Card

If you prefer finer things in your life, then this credit card in UAE will not be a disappointment. It offers premium privileges that ensure that your life in the Emirates becomes luxurious and comfortable. It involves an annual fee of AED 1575 and the retail rate of interest charged is 3.45% per month.

 Rewards Earned

You will get a chance to earn 6 Salaam points against each dirham spent internationally in currencies other than UAE dirhams, 4 Salaam points against each dirham spent on hotels, airlines, and other travel expenses paid in AED, 2 Salaam Points against each dirham spent domestically except for payments related to telecom, charity, education, fuel, utilities, and government payments, where you can earn 1 Salaam Point against each dirham spent. You can redeem these points instantly for a huge range of products at the partner outlets of Mashreq bank. You can also use these points to buy flight tickets from any airlines via a dedicated website for Salaam. 

Other Benefits and Privileges

• Enjoy free access to above 900 airport lounges along with a complimentary guest using this Mashreq Credit Card.
• Mashreq bank also offers free airport pick-up and drop facility at Abu Dhabi Airport and Dubai International Airport for the cardholders.
• Get free multi-trip travel insurance for your family, which secures you for local and international trips for a duration of 90 days maximum.
• Do not compromise your fitness with free visits to Fitness First using this card.
• Enjoy complimentary valet parking facility at premium locations in Abu Dhabi and Dubai, including Dubai International Airport (T1 and T3), Yas Water World, Ferrari World, Dubai Mall, Ibn Battuta Mall, Mall of Emirates, and more.
• Up to 30% off on luxury yacht chartering.
• You can avail the facility of car assist within the Emirate.
• You can enjoy luxury dining on this credit card in UAE with an exclusive 30% discount at the best restaurants with the finest cuisines.
• Get 6 free Marhaba Silver Meet and Greet facilities in one year.
• Enjoy 6 Complimentary golf games for you and a partner at the best golf clubs in the UAE using this Mashreq bank credit card. 

HSBC Credit Cards

Other than offering the general application process (requesting for a callback, submitting the application via call, etc), HSBC has now made the process of application very simple and straightforward for the first-time applicants, who are new customers for HSBC UAE. Let us see how this process of online application and immediate approval work.

1. Fill in your personal information, identity details (Emirates ID, passport, and residence Visa), employment details, and address on the application form.
2. Submit the application form and save the ARN or Application Reference Number for your reference in the future.
3. Receive instant online approval for your HSBC credit card and its credit limit.
4. Submit the required documents in hard copy to a representative from HSBC.
5. Get the card delivered to your address in 24 hours. 

HSBC Cashback Credit Card

This HSBC credit card is the only cashback earning and flagship card variant of the bank. It charges no annual membership fee for the first year and starting from 2^nd year the waiver of this fee is based on meeting the minimum spend, otherwise, you will have to pay an annual fee of AED 299. The retail rate of interest charged is 3.45% per month.

Cashback Earned

You can earn a cashback of 10% on all the fuel spends (maximum AED 100 in one statement cycle), cashback of 3% on supermarket spends (maximum AED 200 in one statement cycle), and cashback 1% on other spends (no maximum amount). Whatever cash back you earn is credited to your card account automatically each month. 

Other Benefits and Privileges

• No need to open a bank account or salary to avail this credit card in UAE.
• Enjoy the “Buy one get one” offer on movie tickets at VOX Cinemas in the UAE.
• Get a wide range of benefits and discounts through the ‘I Love Dining’ scheme, ENTERTAINER app, and much more within the Emirates.

If are aged between 21 year and 65 years, earn a monthly salary of at least AED 10,000, and are a resident of the UAE, you can be eligible to apply for this HSBC credit card. 

To Sum Up!

The power of the internet and digitalization has changed the concept of banking entirely these days. The above-mentioned cards are some of the credit cards for which you can apply easily online and get instant approval on meeting all the eligibility requirements and submitting the necessary documents.