Credit Card Eligibility
Are you eligible to get a credit card? Find out standard bank parameters on monthly income levels, minimum age limits, and the required document checklists.
Minimum Age
Ensure you are at least 21 years old (or 18 years for secured cards) to fulfill default RBI card issuance policies.
Income Checklist
Salaried employees generally require net salary above ₹15,000/month, and self-employed need annual ITR of ₹3L+.
Simple Paperwork
Keep basic scanned copies of Aadhaar, PAN card, and 3 months' bank statements ready to apply online.
Documents Required to Apply
To speed up your online credit card application, keep the following documents prepared for digital verification:
- Proof of Identity: PAN Card (mandatory for credit assessment) or Aadhaar Card/Passport.
- Proof of Address: Aadhaar Card, Passport, utility bills (electricity, water, telephone) in your name.
- Income Proof for Salaried: Latest 3 months' salary slips, latest Form 16, and bank statements showing salary credits.
- Income Proof for Self-Employed: Income Tax Returns (ITR) filed for the last two assessment years along with computation of income.
Income & Credit Stability
Meeting the basic income criteria is necessary, but having a stable CIBIL score above 720 prevents denials. Lenders review debt balances to confirm you aren't overleveraged before approving fresh credit lines.
- ✔ Minimum age: 21 to 60 years
- ✔ No recent payment defaults or delay flags
- ✔ Fixed-obligation-to-income ratio under 40%
Credit Card Eligibility FAQs
Read standard queries concerning credit card eligibility rules.
