Credit Card Documents

Documents Required for Credit Card

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Credit Card Documents

A credit card is a useful financial tool that allows you to make purchases first and then pay for them at a later point in time. Thanks to recent developments in the banking infrastructure and regulations, getting a credit card is simple, easy, and takes only a few minutes.

The credit card application process involves satisfying the eligibility criteria and submission of a certain set of documents, without which one cannot get their hands on a card.

That said, here’s a quick look at a few of the most common documents that you would have to submit to apply for credit card.

Documents Required for a Credit Card

Credit Card Application Form

 

Proof of Identity

PAN Card, Passport, Aadhaar, Driving Licence, Voter’s ID, or Ration Card

Proof of Address

Ration Card, Aadhaar, Passport, Driving Licence, Rental Agreement, Lease Agreement, Property Documents, or Latest Utility Bill

Proof of Income

Salary Slip for the last 3 months, Bank Statement for the last 3 months, or the 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

As you’ve already seen above, the documents that you will be required to submit in order to apply for a credit card may vary depending on the category that you fall under and the kind of credit card that you apply for. Here’s a closer look.

Credit Card Documents to be Submitted by 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 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

  • 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

  • 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

Credit Card Documents to be Submitted by 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 documents that they would have to submit.

  • 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

  • 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

  • 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

Credit Card Documents to be Submitted by NRI Individuals

Many banking institutions in India also allow Non Resident Indians (NRIs) to apply for a credit card. However, the list of documents that they would have to submit would be different from the ones listed above. Let’s take a look.

  • A copy of any one of the following identity proof documents -

    • Passport

    • Driving licence

  • 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

  • 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

Credit Card Documents to be Submitted by 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 copy of any one of the following identity proof documents -

    • PAN

    • Aadhaar

    • Passport

    • Voter ID

    • Driving licence

  • 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

  • A copy of any one of the following age proof documents -

    • School certificate

    • Birth certificate

    • Passport

    • Voter ID

  • A copy of any one of the following college/university enrollment proof documents -

    • College ID

    • Admission Slip

    • Study certificate from college/university

Credit Card Documents For 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.

In the Case of Salaried or Self-Employed Individuals

  • PAN card

  • Passport

  • Valid Visa

  • Travel Tickets

  • Form A2

In the Case of Student Travellers

  • Passport

  • Form A2

  • Appointment Letter or Admission Letter or University ID

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 your 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 have an FD or a valid income proof under their name.

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.

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.

FAQs on Documents Required for Credit Card

  • ✔️What documents do I need for a credit card?

    Based on your category, whether you are a salaried individual, business owner, NRI, or student, you need to submit proof for address, identity, income, or age. Visit Bajaj MARKETS online to gain insights on the documents required for credit card application in India.

  • ✔️How to get a credit card without salary slips?

    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.

  • ✔️Which documents are acceptable to establish age proof?

    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

  • ✔️Is it necessary to submit documents?

    Yes. You need to submit a specific set of documents based on the category you fall under (salaried individual, self-employed, NRIs, or student) when applying for a credit card in India.

  • ✔️Do credit cards ask for proof of income?

    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.

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