Match rewards to spending
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Card options
Credit Card
Find a credit card for shopping, travel, rewards, fuel, or daily expenses.
Before you start
Credit Card Eligibility and Document Guide
Card approval and limit depend on age, income, job or business, credit history, and the selected card.
Important before you apply
Key points to consider for Credit Card
Check these points carefully before choosing an option or starting your application.
Check yearly charges
Review joining fee, annual fee, waiver rules, cash fee, and foreign currency fee.
Pay the full bill on time
Paying only the minimum due can lead to high interest on the balance.
13 eligibility points
Eligibility Criteria
See the basic conditions normally checked before you can apply.
Eligibility / Criteria - Indian Market Baseline
- Resident Indian for standard domestic cards, unless NRI card product explicitly allows otherwise.
- Primary applicant age commonly starts at 21 years.
- Maximum age varies significantly by issuer/product:
- many bank cards use around 60 for salaried and 65 for self-employed;
- some issuers/products extend to around 70.
- Salaried or self-employed with a regular verifiable income, unless it is a secured/FD-backed card.
- Card must be available in applicant's sourcing/serviceable location.
- Valid PAN and KYC.
- Credit bureau/score and repayment history are normally checked.
- Existing card limits, utilisation, overdue history, EMI obligations and recent credit enquiries can affect approval.
- Income threshold is card-specific. Do not hard-code one universal income value.
- For a broad unsecured-card prescreen, a bureau score around 700+ is a useful preference, but the issuer's internal scorecard is final.
- Secured credit cards against FD can use different income/credit-score criteria.
24 document points
Document Requirements
Check which clear and valid documents you should keep ready.
Document Requirements
Generally collect
- Credit-card application / digital consent.
- PAN.
- KYC identity/address proof:
- Passport / Voter ID / Driving Licence / permitted Aadhaar proof / other issuer-accepted OVD.
- Recent photograph / live selfie if issuer journey requires.
- Mobile and email verification.
Salaried income proof - one or more
- Latest salary slips, commonly 1-3 months.
- Salary-bank statement, commonly 2-6 months.
- Form 16.
- Employer ID / employment proof where requested.
Self-employed income proof - one or more
- Latest ITR / ITR acknowledgement.
- ITRs for additional years for premium cards where required.
- Bank statements.
- Audited financial statements / computation of income for higher limits where requested.
- Business registration/profession proof.
Conditional
- Existing credit-card statement for card-on-card / limit-based sourcing.
- Fixed-deposit proof for FD-backed card.
- NRI income/address/residency documents for NRI-specific cards.
- Additional verification for high limits / premium cards.
- Video KYC / CKYC identifier.
- Bank mandate/autopay consent.
Simple steps
Get a credit card in three steps
Follow these three simple steps.
Choose the card type
Select a card based on your income and regular spending.
Compare card options
Check fees, rewards, interest, limits, and eligibility.
Apply and activate
Complete KYC and activate the card only after it is issued.
Reference Basis
These public sources were checked for this guide. Rules can change, so open the source for the latest official information.