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Getting a credit card has now become easier than ever. Just check your eligibility, and list of documents needed, and apply online. Documentation may vary from issuer to issuer. While no document needs to be produced physically, it is best to keep these handy.

Documents Required

When applying for a credit card in India, you'll typically need to submit a set of documents to verify your identity, address, and financial stability. Here's a breakdown of the commonly required documents:

1. Mandatory Documents:

  • Completed application form: Ensure all sections are filled out accurately and truthfully

  • Passport-sized photograph: A recent photograph adhering to the bank's specifications (size, colour format)


2. Proof of Identity (Any one):

  • PAN Card: This is the most common identity proof document required

  • Aadhaar Card:  An alternative to PAN Card, accepted by some banks

  • Passport: Valid passport if you don't have PAN or Aadhaar

  • Voter ID Card: Might be accepted by some banks

  • Driving License: In some cases, a valid driving license can be used


3. Proof of Address (Any one):

  • Utility Bills: Electricity bill, water bill, telephone bill (not older than 3 months) with your name and address visible

  • Ration Card: This can be used as address proof in some cases

  • Passport: If your passport has your current address mentioned

  • Driving License: If it has your current address

  • Aadhaar Card: If your address is updated on your Aadhaar card

  • Bank Statements: Recent bank statements (past 3 months) mentioning your address

  • Lease Agreement: If you're residing in rented accommodation


4. Proof of Income (May vary depending on your employment status):

  • Salaried individuals: Latest payslips (2-3 months) showing your salary and employer details

  • Self-employed individuals: Income Tax Returns (ITR) for the past 2-3 years along with bank statements reflecting income

  • Other cases: For students or those with non-traditional income sources, specific documents for credit card application might be required. Check with the bank for details.


5. Additional Documents (Optional):

  • Form 16: If you have a Form 16 from your employer, it can strengthen your application. 

  • Bank Account Details:  Details of your savings account can improve your application, especially if you have a good banking relationship with the issuing bank. 

Frequently Asked Questions

How can I get a credit card without a salary slip?

To get a credit card without a salary slip, you need to submit your bank statements. This holds proof that your employer has been crediting the salary into your bank account monthly.

What is the minimum age to get a credit card in India?

The minimum age to get a credit card in India is 18 years. Some banks or financial institutions give a credit card at the age of 21 or 25 years as an applicant is usually more financially stable by that age and can meet the minimum salary requirements.

How do I know if I can get a credit card?

You can visit the bank's official website to see if you are eligible to get a credit card of your choice. Usually, the eligibility criteria include a good financial history, a stable source of income, and a credit score of at least 650+ points. If you meet these minimum criteria, you can go ahead and apply for a credit card.

Is it compulsory to submit documents for getting a credit card?

Yes. Every applicant has to mandatorily submit the entire list of credit card documents while making an application. Failure to do so can lead to the card issuer rejecting the credit card application.

What documents do I need to apply for a credit card?

The three primary documents that you need to submit to apply for a credit card include - identity proof, address proof, and income proof. In addition to this, depending on the card issuer and your employment category, you may be required to submit a few additional documents.

What are the steps to get a credit card?

To apply for a credit card, you need to first fill out the credit card application form. Then, attach the list of credit card documents as required by the card issuer. Fill in the application and submit it along with the list of documents. 

Once the issuer thoroughly verifies the documents and is satisfied, your application will be approved and the credit card will be dispatched to the address mentioned by you. Keep in mind that during the verification stage, the card issuer may request you to submit additional documents.

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