Chinabank’s Instant Credit Card Issuance Qorus-Infosys Finacle Banking Innovation Awards 2025

The Chinabank 30-minute Instant Credit Card Issuance is the pioneering and still the only Philippine credit card issuer that delivers quick credit decisions and issues a physical credit card within 30 minutes. Launched in July 2024, this first-in-market innovation delivers what no other bank in the Philippines has done: real-time credit decisioning and same-day issuance of a fully functional, ready-to-use physical credit card—all completed in as fast as 30 minutes. Traditionally, this process would span days or even weeks. Now, Chinabank clients can walk into select locations and walk out with a fully functional credit card within 30 minutes or less. The initiative was developed in response to provide an immediate financial solution to consumers. Traditional methods frequently involve extended waiting periods and multiple follow-ups, leading to frustration. Our goal was to address these challenges by providing a seamless, fast, and efficient credit card issuance experience. Through the use of modern technology and automated processes, we aimed to deliver a best-in-class solution that minimizes processing time, enhances customer satisfaction, and meets the growing demand for instant approvals. This launch reflects our strong commitment to customer-centric innovation and positions us at the forefront of digital transformation in the financial services industry.