Credit Card Documents

Documents for Credit Card

When you apply for a credit card, you are required to submit a range of different documents. While the list of documents to be submitted may vary depending on the card issuer and the employment category, there’s a basic set of documents that every applicant must submit. Here’s a closer look at some of the most common documents required for a credit card. 

1. Identity Proof - any one of the following 

• PAN 

• Aadhaar 

• Driving licence

• Passport

• Voter ID

• Ration card

• Arms licence

• Any other legally acceptable identification document signed by a gazetted officer

2. Address Proof - any one of the following 

• Aadhaar 

• Passport

• Voter ID

• Driving licence

• Lease or rent agreement

• Latest utility bill 

• Ration card

• Property documents like title deed

• Latest bank account statement

3. Income Proof - any one of the following 

• Pay slips for the previous 3 months 

• Bank statement for the previous 3 months 

• Form 16 issued by your employer 

• Latest Income Tax Return (ITR) along with the computation of income 

• Certified financial documents of the business (in the case of self-employed applicants) 

Documents for Different Types of Credit Card Applicants

Depending on the category of applicants that you belong to and the type of card you are applying for, the documents required for credit card application may vary slightly. Check out the details of these documents below. 

1. Credit Card Documents Required for Salaried Individuals

Since salaried individuals have a regular source of income, it is usually easier for them to obtain a credit card in India. If you are a salaried applicant, you may typically have to provide the following documents to apply for a credit card.  

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 

• Any photo ID that is legally acceptable, 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 generated over the previous three months 

c) A copy of any one of the following income proof documents -

• Salary slips received for the previous three months

• Bank statements from the last six months

• Form 16

• Latest Income Tax Return (ITR)

2. Credit Card Documents Required for Self-Employed Individuals

Self-employed individuals can also apply for credit cards by submitting the required documents. If you are not a salaried employee, and are instead self-employed, these are the credit card documents you may need to provide. 

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 

• Any photo ID that is legally acceptable, 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 generated over the previous three months 

c) A copy of any one of the following income proof documents -

• Bank statements from the last six months

• Latest Income Tax Return (ITR)

• Financial documents duly certified

• Proof of business continuity

3. Credit Card Documents Required for NRI Individuals

Non-Resident Indians (NRIs) can also apply for certain credit cards in India. If you are an NRI looking to apply for a credit card in your home country, you may need to have the following paperwork ready. 

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 or rental agreement for a property in India

• Title deeds of a property that you own in India

• Any Indian utility bills generated over the previous three months

• Original statements of a bank account held with a bank in India

c) A copy of any one of the following income proof documents -

• Bank statements for an account held with an overseas bank

• Any other credit card statements

• An appointment letter issued by the company or organisation in which you are employed

• Any ID card issued by your employing company or organisation

4. Credit Card Documents Required for Students

Some banks and credit card issuers in India offer cards specifically for students. If you are an eligible student who wishes to own a credit card, you may need to submit the following credit card documents as a part of the application process. 

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 generated over the previous 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 issued by your college/university

5. Credit Card Documents Required from Individuals Applying for a Travel or a Forex Card

If the credit card you wish to apply for is a forex card or a travel credit card, the following documents may be required by the card issuer. 

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 (in case of employed individuals)

• Admission Letter or University ID (in case of student applicants)