Eligibility criteria vary from one card to another. Before applying, check if you meet the requirements to avoid application rejection which can affect your credit score.
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While eligibility criteria vary from one card to another, there are basic requirements you must meet. Failing to meet these criteria may result in application rejection, which can negatively impact your credit score. Always check eligibility before applying.
Preferably above 750 for best offers
Varies between 18-21 years
Depends on card issuer
Monthly/Annual income proof needed
This is the basic eligibility criteria. Actual criteria varies as per the credit card issuer and the credit card variant. Always check specific requirements for the card you're interested in.
Credit card eligibility varies between issuers, but several key factors consistently influence approval decisions. Understanding these can help you improve your chances of approval.
A score above 750 is preferred by most issuers. Your credit history, payment patterns, and defaults determine your score.
Stable monthly/annual income is essential. Minimum requirements vary by card type and issuer.
Keep your CUR below 30%. High utilization indicates credit hunger and affects approval chances.
Stable employment (1+ years with current employer) improves credibility. Frequent job changes may raise concerns.
Minimum 18 years, maximum 60-65 years depending on the card issuer and type.
Some cards are city-specific. Check if the card is offered in your city before applying.
Multiple hard enquiries in 6 months can lower your score. Maintain gaps between applications.
Existing customers with good standing may get preferential treatment and higher limits.
| Bank / Issuer | Min. CIBIL Score | Min. Monthly Income | Age Range | Employment Type |
|---|---|---|---|---|
HDFC Bank | 750+ | ₹25,000 | 21 - 60 years | Salaried/Self-employed |
SBI Card | 700+ | ₹20,000 | 21 - 65 years | Salaried/Self-employed |
ICICI Bank | 720+ | ₹18,000 | 21 - 60 years | Salaried/Self-employed |
Axis Bank | 730+ | ₹22,000 | 21 - 60 years | Salaried/Self-employed |
American Express | 750+ | ₹35,000 | 21 - 60 years | Salaried/Self-employed |
RBL Bank | 650+ | ₹15,000 | 21 - 65 years | Salaried/Self-employed |
Standard Chartered | 740+ | ₹30,000 | 21 - 60 years | Salaried/Self-employed |
HSBC Bank | 750+ | ₹40,000 | 21 - 60 years | Salaried/Self-employed |
Kotak Mahindra | 680+ | ₹15,000 | 21 - 65 years | Salaried/Self-employed |
Yes Bank | 660+ | ₹15,000 | 21 - 65 years | Salaried/Self-employed |
The documents required usually depend on your credit card issuer. Below is the comprehensive list of documents you may need to submit:
For: All applicants
For: All applicants
For: All applicants
For: All applicants
For: Salaried
For: All applicants
For: Salaried
For: Self-employed
For: Self-employed
For: Salaried
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To check your credit card eligibility, you may directly contact the card issuer. Alternatively, you may check your eligibility and find pre-qualified offers at our platform. Start by filling out the application form at the top of the page.
The eligibility requirement for a business credit card may vary across issuers and cards. You may check your eligibility with the respective provider.
In general, self-employed individuals aged between 18 and 65 years can apply for a credit card. Lenders also require a minimum ITR filing per annum that varies across the card type. Usually, low annual fee cards have an easier eligibility condition.
Credit card issuers offer credit cards to individuals with a good credit score of 750 and above. However, some entry-level cards may accept scores as low as 650.
The minimum age requirement to apply for a credit card is 18 or 21 years and may vary depending upon your profile whether salaried or self-employed, card type, and issuer's internal policies.
Yes, students can apply for credit cards that do not require income proofs as a necessary document, for instance, secured credit cards or add-on cards from parents.
No, it is not necessary to have a bank account to avail a credit card with an issuer. However, having an existing relationship with the bank can improve your chances.
The minimum salary requirement for a credit card varies from one credit card issuer to the other. Moreover, the minimum salary required depends on if the primary applicant is a salaried individual or self-employed.
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