Credit cards have become incredibly popular these days and for a good reason. They simplify our daily expenses, help us accumulate reward points, give us access to exclusive discounts, and more. More encouragingly, getting a credit card has now become easier than ever before. Just check your eligibility, list of documents needed, and apply online. Documentation may vary from issuer to issuer.
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.
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.
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.
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.
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. Sign 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.