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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.

Documents Required for Different Types of Credit Card Applicants

All you have to do is furnish a few important documents to get your credit card.

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

As a self-employed person, here are some documents that you need to furnish while applying 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 -

  • 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 documents 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. Here are a few documents that you may need to furnish while applying for a credit card as a student.

 

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

Here are documents that may be required when you’re applying for a travel, or forex card: 

 

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)

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FAQs on Credit Card Documents

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.

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