Documents Required For Credit Card

Documents for Credit Card

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.

1. Proof of identity

• PAN card

• Passport

• Aadhaar

• Driving Licence

• Voter’s ID

• Ration Card

2. Proof of address

• Ration card

• Aadhaar

• Passport

• Driving Licence

• Rental Agreement

• Lease Agreement

• Property documents

• Latest utility bill

3. Proof of income

• 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.

Documents for Different Types of Credit Cards

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.

1. Credit Card Documents Required from Salaried Individuals

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

2. Credit Card Documents Required from Self-Employed Individuals

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

3. Credit Card Documents Required from NRI Individuals

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

4. Credit Card Documents Required from Students

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

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

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

Documents Required for Resident Salaried Individuals to Apply for Credit Card

The following documents are mandatory if you are a resident salaried individual looking to apply for a credit card:

1. Proof of Identity

• Aadhaar Card

• PAN Card

• Driving Licence

• Voters ID

• Passport

2. Proof of Address

• Utility bill (Electricity Bill, Telephone Bill)

• Ration Card

• Passport

• Bank statement for the last 2 months

• Driving Licence

• Voters Card

3. Proof of Income (any one document can be submitted)

• Payslip

• Form 16

• Copy of Income Tax return

4. Proof of Age (any one document can be submitted)

• Birth Certificate

• Passport

• Voter ID

• Tenth standard school certificate

5. Other Documents

• A photocopy of the Pan card

• Form 60

Documents required for Credit Card without Income Proof and FD

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 

1. Voter ID 

2. Aadhaar card 

3. Driving licence 

4. Passport

• PAN Card 

• Proof of identity 

1. Driving licence 

2. Passport 

3. Voter ID 

4. Aadhaar card 

• Enrolment slips, college ID, admission papers, and other documents (if you are a student) 

• Proof of age (if you are a student) 

1. School certificates 

2. Birth certificates 

Documents required for Credit Card without ITR

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 

1. Voter ID 

2. Aadhaar card 

3. Driving licence 

4. Passport 

5. PAN Card 

• Proof of identity 

1. Driving licence 

2. Passport 

3. Voter ID 

4. Aadhaar card 

Documents required for Credit Card without PAN 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.

Documents Required For Non-resident Indians (NRIs) to Apply For Credit Card

1. Proof of Identity (Any one document)

• Passport

• Driving Licence

2. Proof of Address in India (Any one of the below-mentioned documents)

• 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

3. Proof of Address (Overseas- any one of the following documents)

• 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

• Credit Card statement