Age Requirements

• The applicant must be at least 18 years old.

• Some banks require a minimum age of 21 for salaried individuals.

• Applicants under 18 may apply with a co-signer or get add-on cards.

• Senior citizens are also eligible with proof of income or pension.

• Age proof documents like birth certificate or ID are mandatory.

Income and Employment

• A regular source of income is essential to qualify.

• Salaried or self-employed individuals must meet income thresholds.

• Income proof includes salary slips, tax returns, or bank statements.

• Higher income may qualify for higher credit limits.

• Unemployed individuals may apply for secured credit cards.

Credit Score and History

• A good credit score (usually 650 or above) improves approval chances.

• Banks check past repayment records through credit bureaus.

• First-time applicants may get limited-limit or beginner cards.

• Low credit scores may result in rejection or higher interest.

• A clean history of timely payments boosts credibility.

Documentation Required

• Proof of identity such as Aadhaar card or passport is needed.

• Address proof includes utility bills or rental agreements.

• PAN card is mandatory for all credit card applications.

• Income documents like ITR or salary slips are usually required.

• Recent passport-sized photographs may be requested.

Other Eligibility Factors

• Existing relationship with the bank may ease approval.

• Some cards are exclusive to professionals or students.

• Location of residence can influence eligibility in some cases.

• Multiple recent credit applications may impact approval.

• Applicants must meet the bank’s internal risk assessment criteria