How to Apply for a Revolut Credit Card Online

Lara

Revolut is a globally recognized fintech platform that offers innovative financial solutions, including credit cards designed to simplify banking and spending. Known for its user-friendly digital experience, Revolut credit cards come with features that cater to frequent travelers, everyday users, and tech-savvy individuals.

This comprehensive guide explains how to apply for a Revolut credit card online, its benefits, and credit limit details.

Benefits of Revolut Credit Cards

Revolut credit cards offer a variety of benefits, making them a preferred choice for millions of users worldwide. Here are some of their key advantages:

1. Global Acceptance

  • Powered by Visa or Mastercard, Revolut credit cards are accepted at millions of locations globally.

2. No Foreign Transaction Fees

  • Spend abroad with no additional charges for currency conversions.

3. Rewards and Cashback

  • Earn cashback on purchases and enjoy access to exclusive rewards.

4. Instant Notifications

  • Get real-time notifications for every transaction to keep track of spending.

5. Flexible Payment Options

  • Pay your balance in full or opt for interest-free installments, depending on the card type.

6. Travel Perks

  • Access benefits like free lounge passes, travel insurance, and discounts on global travel-related expenses.

7. Advanced Security Features

  • Freeze/unfreeze your card instantly, set spending limits, and manage online payments securely via the Revolut app.

8. Virtual Credit Cards

  • Generate disposable virtual credit cards for enhanced online security.

9. Integration with Digital Wallets

  • Seamlessly link your card to Apple Pay, Google Pay, or Samsung Pay for convenient payments.

A realistic image of a person applying for a Revolut credit card online through the Revolut app. The scene includes a modern desk setup with a smartphone displaying the Revolut app open to the credit card application page. The individual is interacting with the app, and a laptop and coffee cup are nearby on the desk. The background features a clean, minimalist home office with natural lighting, creating a professional and inviting atmosphere.

Types of Revolut Credit Cards

Revolut offers several credit card options tailored to different needs:

  • Revolut Standard Card: A basic credit card suitable for everyday spending.
  • Revolut Premium Card: Offers additional perks like cashback and travel insurance.
  • Revolut Metal Card: A premium card made of metal, providing luxury benefits like higher cashback and concierge services.

Step-by-Step Guide to Apply for a Revolut Credit Card Online

Applying for a Revolut credit card online is quick and straightforward. Follow these steps:

Step 1: Download the Revolut App

  1. Go to the App Store (iOS) or Google Play Store (Android) and download the Revolut app.
  2. Sign up for an account if you’re a new user, or log in if you already have one.

Step 2: Navigate to the Credit Card Section

  1. Open the Revolut app and navigate to the “Cards” section.
  2. Click on the “Credit Card” option to explore available cards.

Step 3: Choose Your Credit Card

  1. Browse through the available credit cards.
  2. Compare their features and select the card that best suits your needs.

Step 4: Start the Application

  1. Click on the Apply Now button.
  2. Provide the requested information, including your full name, date of birth, and contact details.

Step 5: Verify Your Identity

  1. Upload a photo of a government-issued ID, such as your passport or driver’s license.
  2. Take a selfie for identity verification.

Step 6: Submit Financial Details

  1. Provide your income details and employment status.
  2. Revolut may request additional documentation, such as payslips or bank statements, for verification.

Step 7: Review and Accept Terms

  1. Read the terms and conditions carefully.
  2. Accept the terms and agree to the credit check.

Step 8: Submit the Application

  1. Double-check all entered information.
  2. Click Submit to complete your application.

What Happens After Submission?

  1. Application Review:
    • Revolut will review your application and verify your documents. This process typically takes 1-2 business days.
  2. Approval Notification:
    • You’ll receive a notification via the app once your application is approved.
  3. Card Delivery:
    • Your physical credit card will be delivered to your address within 7-10 business days. You can start using the virtual credit card immediately.

Credit Limits and Fees

Revolut credit cards offer flexible credit limits and transparent fee structures. Here are the details:

Credit Limits

  • Standard Cards: Limits typically start from €500, ideal for moderate usage.
  • Premium and Metal Cards: Offer higher limits based on your financial profile and credit history.

Fees

  • Annual Fee: Standard cards are free, while Premium and Metal cards have fees ranging from €7.99 to €13.99 per month.
  • Interest Rates: Competitive APRs ranging from 9.9% to 19.9%, depending on the card type and user profile.
  • Foreign Transaction Fees: Free for all Revolut credit cards.

Tips for a Smooth Application

  1. Check Your Credit Score:
    • Ensure your credit history is in good standing to increase approval chances and secure higher limits.
  2. Prepare Required Documents:
    • Have digital copies of your ID and income proof ready for a seamless verification process.
  3. Leverage Virtual Cards:
    • Use virtual credit cards for added security during online transactions.
  4. Utilize the Revolut App:
    • After approval, manage your spending, set limits, and track transactions easily via the app.

Conclusion

Applying for a Revolut credit card online is a hassle-free process that offers access to a range of financial benefits. Whether you’re looking for a basic card for everyday use or a premium card with luxury perks, Revolut has an option tailored to your needs.

By following the steps outlined in this guide, you can complete your application efficiently and start enjoying the advantages of a Revolut credit card.

For more information or to get started, download the Revolut app and explore their credit card offerings today!