Top 4 Instant Approval Credit Cards and How to Obtain Them

Discover the Best Four Instant Approval Credit Cards and Their Application Process

Applying for a credit card can be time-consuming and complicated, involving extensive paperwork and multiple bank visits. Fortunately, many financial institutions now offer streamlined options that allow you to secure instant approval credit cards within minutes. These cards usually cost between CHF 0 and CHF 100, depending on the bank, location, and ongoing promotions.

Popular Instant Approval Credit Cards
Since multiple banks issue such cards, researching options before selecting one is recommended. Choosing reputable financial institutions ensures a reliable and secure experience.

UBS Virtual Card
UBS, a leading bank, offers an instant virtual credit card known as the "sofortiger" card, available for existing account holders. It's free and ready for immediate use. To apply, visit the e-banking portal and request it under the 'Additional Cards' section or use the mobile banking app under 'Products > Discover > Cards.'

MultiCredit Swiss Credit Card
For higher credit limits and more liquidity, MultiCredit's Swiss Credit Card provides options from CHF 3,000 to CHF 40,000. The application is quick and can be completed online in minutes, with guaranteed card pickup within 24 hours, making it a highly convenient choice.

Revolut Virtual Card
As a prominent neobank, Revolut offers a virtual card instantly after approval, suitable for online and in-store payments. It integrates with mobile wallets and provides all necessary details for transactions. However, Swiss deposit protection does not cover Revolut accounts.

Life Digital by Swiss Bankers
This provider offers an instant virtual prepaid card called Life Digital, costing CHF 2.90 monthly. It can be ordered via mobile and activated within minutes, with a plastic card available separately for CHF 45. The virtual card is eco-friendly and free of transaction charges, ideal for daily use.

How to Apply for a Credit Card

To get a credit card, fill out an application form and submit it along with required documents such as a valid ID or passport, residence permit if applicable, and supplementary details like income and employment information. Additional details may include past addresses, employment duration, housing status, bank account IBAN, and existing credit card info. Requirements vary by institution, but the goal is to assess creditworthiness and verify contact details.

After submitting the documents and signing agreements at the bank, the card is typically delivered within two weeks.