All banks and financial organisations issue credit cards with distinctive features and benefits in response to the rising demand for credit cards. However, when you apply for a credit card, you must provide a number of documents required for a credit card. The credit card documents required and the qualifications needed to apply for a credit card differ from bank to bank and card to card.
Here’s a quick look at a few of the most common documents required for a credit card.
Passport
Aadhaar
Driving Licence
Voter’s ID
Ration Card
Ration card
Aadhaar
Passport
Driving Licence
Rental Agreement
Lease Agreement
Property documents
Latest utility bill
Salary slip for the last 3 months
Bank statement for the last 3 months
Latest Income Tax Return (ITR)
Here’s something that you should know. The above list of documents are merely meant to be illustrative in nature. As far as the documents required for a credit card are concerned, the list may vary depending on the type of card that you apply for and the kind of category that you fall under.
The documents required for a credit card vary depending on the category that you fall under and the kind of credit card that you apply for. Here’s a closer look.
Salaried individuals usually find it easy to get a credit card in India. All that they would need to do is submit the following list of documents.
a) A copy of any one of the following identity proof documents:
PAN card
Aadhaar card
Passport
Voter ID
Driving licence
Ration card
Arms licence
Freedom fighter’s ID card or legally acceptable photo ID duly signed by a gazetted officer
b) A copy of any one of the following address proof documents:
Passport
Aadhaar card
Voter ID
Ration card
Driving licence
Lease/Rent agreement
Property documents
Utility bills for the last three months
c) A copy of any one of the following income proof documents -
Salary slips for the last three months
Bank statements of the previous six months
Form 16
Latest Income Tax Return
You don’t have to be an employee in an organisation to apply for a credit card. As a matter of fact, individuals who are self-employed can also apply for one. Here’s a quick look at the list of credit card documents required by self-employed individuals.
a) A copy of any one of the following identity proof documents -
PAN card
Aadhaar card
Passport
Voter ID
Driving licence
Ration card
Arms licence
Freedom fighter’s ID card or legally acceptable photo ID duly signed by a gazetted officer
b) A copy of any one of the following address proof documents -
Passport
Aadhaar card
Voter ID
Ration card
Driving licence
Lease/Rent agreement
Property documents
Utility bills for the last three months
c) A copy of any one of the following income proof documents -
Bank statements of the previous six months
Latest Income Tax Return
Certified financial documents
Proof of business continuity
Many banking institutions in India also allow Non Resident Indians (NRIs) to apply for a credit card. However, the credit card documents required to be submitted by NRIs would be different from the ones listed above. Let’s take a look.
a) A copy of any one of the following identity proof documents -
Passport
Driving licence
b) A copy of any one of the following address proof documents -
Passport
Voter ID
Driving licence
Lease/Rent agreement in India
Title deeds of a property in India
Indian utility bills for the last three months
Original statements of a bank account in India
c) A copy of any one of the following income proof documents -
Overseas bank statements
Credit card statements
Appointment letter issued by a company or an organisation
ID card issued by a company or an organisation
If you’re a college-going student in India, you’d be glad to know that you can apply for a student credit card by submitting the following documents along with a duly filled application form.
a) A copy of any one of the following identity proof documents -
PAN
Aadhaar
Passport
Voter ID
Driving licence
b) A copy of any one of the following address proof documents -
Passport
Voter ID
Driving licence
Ration Card
Utility bills for the last three months
c) A copy of any one of the following age proof documents -
School certificate
Birth certificate
Passport
Voter ID
d) A copy of any one of the following college/university enrollment proof documents -
College ID
Admission Slip
Study certificate from college/university
If you’re someone who is applying for a travel credit card or a forex card, then the documents that you would be required to submit for the same can be different from the ones above. Here’s a closer look.
a) In the Case of Salaried or Self-Employed Individuals
PAN card
Passport
Valid Visa
Travel Tickets
Form A2
b) In the Case of Student Travellers
Passport
Form A2
Appointment Letter or Admission Letter or University ID
The following documents are mandatory if you are a resident salaried individual looking to apply for a credit card:
Aadhaar Card
PAN Card
Driving Licence
Voters ID
Passport
Utility bill (Electricity Bill, Telephone Bill)
Ration Card
Passport
Bank statement for the last 2 months
Driving Licence
Voters Card
Payslip
Form 16
Copy of Income Tax return
Birth Certificate
Passport
Voter ID
Tenth standard school certificate
A photocopy of the Pan card
Form 60
Some banking institutions allow you to apply for a credit card against a fixed deposit account held with them, while others require you to submit proof of your income. But what if you don’t have either of them?
If you’re an individual who doesn’t possess a fixed deposit account or a valid proof of income, you can still apply for a credit card. Of late, there are a few banks that entertain credit card applications from individuals who don’t either have an FD or a valid income proof under their name. Here are the documents you need to submit:
Bank account details or bank statements
Details of mutual funds for a secured CC
Proof of address
Voter ID
Aadhaar card
Driving licence
Passport
PAN Card
Driving licence
Passport
Voter ID
Aadhaar card
Proof of age (if you are a student)
School certificates
Birth certificates
Not all individuals in India fall under the tax-paying category, which means that they won’t be required to file an Income Tax Return (ITR). If you’re someone who falls under this category, then rest assured that you can still apply for a credit card as long as you’re in possession of a bank account and sufficient earnings. Here are the documents you need to submit:
Bank account details or bank statements
Details of mutual funds or fixed deposits for a secured CC
Proof of address
Voter ID
Aadhaar card
Driving licence
Passport
PAN Card
Driving licence
Passport
Voter ID
Aadhaar card
A copy of your PAN card is one of the documents that you would need to submit as part of the credit card application process in India. In case you are among the people who do not possess a PAN card, then don’t worry. You still can get a credit card under your name. To apply for a credit card without a PAN card, you would have to submit proof of your income or salary slips.
Passport
Driving Licence
Driving Licence
Original electricity bill or Telephone bill
Passport
Bank Account Statement
Copy of Rent Agreement
Voter Card
Lease deed
Title deeds of the property
Overseas bank Statement
Government issued Identity card
Rent Receipt
Passport
Company Identity Card/ Appointment Letter
Passport
Any Utility Bill
Lease Agreement or rent receipt
Driving Licence
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.
Ideally, age proof is one of the student credit card document requirements. The acceptable documents to establish age proof are as follows –
School certificate
Birth certificate
Passport
Voter ID
Yes. Most financial institutes ask for proof of income when applying for credit cards. However, it is not a compulsion. To get a credit card without income proof, all you need to do is submit your bank statements.
The credit card documents generally accepted for age verification are your passport, class 10th certificate, voter card, or birth certificate.
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 25 as an applicant is usually more financially stable by that age and can meet the minimum salary requirements by the age of 25.
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.
It is, unfortunately, not possible to get a credit card if you have no substantial evidence of your address. The documents required for a credit card include; Aadhaar card, passport, ration card, driving licence, property documents, utility bills like electricity or telephone bills, etc.