Discover the top four instant approval credit cards available in Switzerland and learn how to apply for quick access to credit. This guide covers trusted providers like UBS, MultiCredit, Revolut, and Swiss Bankers, detailing the application process and features of each card. Ideal for individuals seeking immediate financial solutions, these cards offer convenience, flexibility, and rapid approval times, making them perfect for urgent financial needs.

Getting a credit card used to involve lengthy paperwork and multiple bank visits. Nowadays, many financial providers, including banks and credit unions, simplify the process with instant approval credit cards that are approved within minutes. These cards usually cost between CHF 0 and CHF 100, depending on the bank, location, and current deals. They offer rapid access to credit, making them ideal for those who need immediate financial solutions.

Best instant approval credit cards

With several reputable options available, it’s important to choose a card from a trusted provider. Below are some of the leading instant approval credit cards:

UBS Virtual Card – UBS offers a free virtual card for account holders, available instantly. Requests can be made via their e-banking platform under 'Additional Cards' or through their mobile app under 'Products' and 'Cards'.

MultiCredit Swiss Card – Targeted at those needing higher credit limits, this card provides between CHF 3,000 and CHF 40,000. The online application is quick, with card delivery guaranteed within 24 hours for extra convenience.

Revolut Digital Card – A popular digital bank, Revolut provides instant virtual cards suitable for online and in-store payments. It can be connected to mobile payment systems but does not have Swiss depositor guarantees.

Life Digital by Swiss Bankers – This service offers an instant virtual prepaid card at CHF 2.90/month accessible directly on your smartphone. Physical cards can be ordered for CHF 45, supporting eco-friendly choices, with no transaction fees.

Applying for a credit card

You can apply online or in person by filling out a form and submitting identification such as a passport, ID card, or residence permit. Additional information may include:

Name, date of birth, marital status

Address, contact info

Nationality, employment details

Income and financial assets

Further details like previous addresses, employment history, assets, dependents, housing costs, bank info, credit limits, and current credit cards may also be required to help lenders evaluate your eligibility. After submitting all documents, sign the agreement, and your card should arrive within approximately two weeks.

Note:

This overview is a general guide. Specific requirements can vary among banks. Ensure your documentation is accurate and complete to ensure a smooth approval. Once approved, your card is ready for immediate use.