Once you’ve compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch. To get a credit card, you will need proof of identity and proof of income and employment as well as details of your current financial situation. The whole process generally takes 15-20 minutes, and if your application is approved, you should have your credit card within 10-14 days. When applying for a credit card, look out for features like credit limits, annual and other payment fees, interest rates and other incentives like interest-free days and rewards points.