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Eligibility Criteria for Credit Card

Each bank/card has different credit card eligibility criteria for its applicants. The criteria includes parameters such as age, income, credit score, etc. If you do not meet these credit card requirements set by the bank, your application might get rejected. To avoid this, here is everything you must know about credit card eligibility for some of the most popular banks in the country.

 

Parameters

Eligibility Criteria for Credit Card

Age

Above 21 years (18 years for some cards)

Income

Minimum monthly/annual income criteria as set by the bank; alternatively, against a Fixed Deposit

Nationality

Must be an Indian Citizen (non-resident Indians may be allowed for some cards)

Credit Score

A good credit score of 750 or above

 

The credit card eligibility criteria may vary from one lender to another.

1) Credit Card Age Limit of the Applicant

Using a credit card comes with a huge responsibility. As most individuals get a steady source of income only after a certain age, banks prefer having an age criterion to avoid defaults.

2) Credit Card Income Limit

Most credit cards have a specific income requirement. This is because you must have a certain disposable income to be able to use and maintain the card. Also, the benefits offered by such cards are matched to the lifestyle requirements of users and are heavily influenced by income. In addition to this, income affects the credit card limit assigned to you.

3) Employment Requirements

Another factor that affects your eligibility is your employment status. Staying in your current job for more than a year can significantly improve your chances of getting a credit card.

4) Nationality

Only Indian citizens or, in some cases, Non-Resident Indians (NRIs) can avail an Indian credit card.

5) Credit Score

Banks check your credit report at the time of card application. A credit score will outline your credit history, payment history, and payment defaults, if any.

Factors Affecting Your Credit Card Eligibility

To make sure your credit card application is approved, you must check your credit card eligibility online. Certain other factors also determine your credit card eligibility:

1) Credit Score

With a good credit score, you have a higher chance of getting your credit card application approved. If you have a low credit score, your credit card online eligibility application will most likely be rejected.

2) Existing Debt

Your credit card provider will also consider your credit utilisation ratio. Your current dues should not exceed the granted limit or it may affect the application process.

3) Employment

Working with your current employer or organisation for more than a year will make you appear credible and significantly improve your chances of getting a credit card.

4) Location

Banks also consider your address when they assess your eligibility to apply for a credit card. Hence, some cards are only available to those residing in particular cities.

Credit Card Eligibility Criteria for Different Banks

The credit card eligibility for some of the top banks in the country are mentioned below:

 

Bank Card

Eligibility for Credit Card

Top Credit Cards

SBI Credit Card

  • You must be a resident of India

  • As a salaried individual, you should be 21 years or above

  • As a self-employed individual, you should be above 25 years of age

  • As a retired pensioner, you should be between 40-70 years of age

  • You must have a good CIBIL score

  • You should have a regular source of income

  • BPCL SBI Card

  • SimplySAVE SBI Card

  • IRCTC RuPay Card

  • SBI Card ELITE

  • SBI Card PRIME

  • SimplyCLICK SBI Card

Axis Bank Credit Card

  • You must be between 18 to 70 years of age

  • You must be an Indian resident or a non-resident Indian

  • You should meet the card-specific income requirements

  • Axis Bank Indian Oil Credit Card

  • Axis Bank My Zone Credit Card

  • Axis Bank Neo Credit Card

  • Axis Flipkart Credit Card

  • Axis Select Credit Card

Bajaj Finserv RBL Bank Credit Card

  • You must have a credit score of 750 and must not have defaulted on any credit card payments

  • You must not be less than 25 years and not more than 65 years of age

  • Your residential address must be in the list of locations where the credit card is being offered

  • Platinum Plus First-Year-Free SuperCard

  • World Prime SuperCard

  • World Plus SuperCard

  • Doctor’s SuperCard

  • Value Plus SuperCard

  • Platinum Plus SuperCard

  • Shop Smart SuperCard

  • Travel Easy SuperCard

  • CA SuperCard

  • Platinum Choice SuperCard

  • Platinum Choice First-Year-Free SuperCard

Citibank Credit Card

  • You must be between 23 and 60 years of age

  • You should meet the card-specific income requirements which will vary for self-employed and employed individual

  • You must be an Indian resident

  • You must have a good credit score of 750 or above

  • Citibank Cash Back Credit Card

  • Citibank Rewards Credit Card

  • Citibank Premiermiles Credit Card

  • Citibank IndianOil Credit Card

ICICI Bank Credit Card

  • You must be between 21 and 60 years of age

  • You should meet the card-specific income requirements

  • You should have a regular source of income

  • ICICI Coral Credit Card

  • ICICI MMT Signature Credit Card

  • ICICI Platinum Credit Card

  • ICICI Emerald Credit Card

  • ICICI HPCL Credit Card

  • ICICI Expressions Credit Card

  • ICICI MU Platinum Credit Card

  • ICICI Rubyx Credit Card

American Express Credit Card

  • You must be more than 18 years of age

  • You must have a current/ residential address in India

  • You must have a multinational or an Indian current or savings bank account

  • If self-employed, your business/company must have been active for a year or more

  • You should meet the card-specific income requirements which will vary for self-employed and employed individuals

  • Your location must be serviceable by the bank

  • Your add-on cardholders must be Indian residents

  • You must have a good credit history with no payment defaults

  • American Express Membership Rewards Credit Card

  • Amex Platinum Travel Credit Card

  • American Express SmartEarn Credit Card

HDFC Bank Credit Card

  • As a salaried individual, you should be between 21 and 60 years of age

  • As a self-employed individual, you should be between 21 and 65 years of age

  • You should have a regular source of income

  • You should meet the card-specific income requirements

  • You must be an Indian resident or a non-resident Indian

  • You must have a good credit score of 750 or above

  • HDFC Business Regalia Credit Card

  • HDFC Business MoneyBack Credit Card

  • HDFC 6E Rewards-IndiGo Credit Card

  • HDFC IndianOil HDFC Bank Credit Card

  • HDFC Times Titanium Credit Card

  • HDFC Times Platinum Credit Card

YES Bank Credit Card

  • As a primary credit cardholder, you must be between 21 years and 60 years

  • You must be a salaried or a self-employed individual

  • As a salaried individual, you must earn a minimum of ₹25,000 per month

  • As a self-employed individual you must earn a minimum of ₹5 lakh per annum as per your Income Tax Returns (ITRs)

  • Yes First Exclusive Credit Card

  • Yes First Preferred Credit Card

  • Yes Premia Credit Card

  • Yes Prosperity Edge Credit Card

  • Yes Prosperity Rewards Plus Credit Card

  • Yes Prosperity Cashback Plus Credit Card

Kotak Bank Credit Card

  • As a primary credit cardholder, you must be between 21 and 65 years of age

  • As an add-on cardholder, you should be at least 18 years of age

  • You must be based out of Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune

  • You must match the income requirements of the specific card you are applying for (minimum ₹3 lakh)

  • You should be an Indian resident

  • Kotak 811 Credit Card

  • Kotak Delight Platinum Credit Card

  • Kotak Essentia Platinum Credit Card

  • Kotak Fortune Gold Credit Card

  • Kotak Royale Signature Credit Card

  • Kotak Urbane Gold Credit Card

  • Kotak League Platinum Credit Card

HSBC Credit Card

  • You must be at least 18 years of age

  • You must be a salaried or self-employed individual

  • You must have a minimum annual income of ₹4 lakh

  • Your current city of residence must be in a serviceable location

  • HSBC Cashback Credit Card

  • HSBC Visa Platinum Card

  • HSBC Premier Credit Card

  • HSBC Smart Value Credit Card

IndusInd Bank Credit Card

  • You must be a minimum of 21 years of age

  • You must be less than 60 years or the retirement age, whichever is earlier

  • You must have a monthly income of ₹25,000 or more

  • You should have at least 2 years of work experience

  • You must have completed at least 1 year in your current organisation

  • In case the current residential address is rented, you must have completed a minimum of one year stay at the address

  • Indusind Legend Credit Card

  • Indusind Nexxt Credit Card

  • Indusind Pinnacle Credit Card

  • Indusind Platinum Credit Card

  • Indusind Platinum Aura Credit Card

Union Bank Credit Card

  • Salaried individuals must be between 18 to 60 years

  • Self-employed individuals must be between 18 to 70 years

  • Minimum yearly income of ₹1.8 lakh

  • The add-on card holder must be at least 18 years old

  • UBI VISA Signature Credit Card

  • UBI Rupay Select Credit Card

South Indian Bank Credit Card

  • You must be an Indian resident or a non-resident Indian (NRI)

  • You must be between 21 and 65 years of age

  • You must be either salaried or self-employed individual with a regular source of income.

  • South Indian Bank SimplySAVE -SBI Credit Card

  • South Indian Bank- SBI Platinum Card

Standard Chartered Bank Credit Card

  • Primary cardholder must be between 21 and 65 years of age

  • You must have a stable monthly income source

  • You must be residing in credit card sourcing cities as dictated by the bank

  • SC Digismart Credit Card

  • SC Manhattan Credit Card

  • SC Platinum Rewards Credit Card

Indian Bank Credit Card

  • Salaried individuals must be between 18 to 65 years

  • Self-employed individuals must be between 18 to 65 years

  • Minimum monthly income of ₹5,000

  • The add-on card holder must be at least 18 years old

  • IB Bharat Credit Card

  • IB Gold Credit Card

Bank Of Baroda Credit Card

  • As a primary cardholder, you must be above 21 years of age but less than 65 years

  • As an add-on cardholder, you must be over 18 years of age

  • You must be a salaried or self-employed individual

  • You must have a regular source of income

  • You must be a resident of India

  • BOB CA Credit Card

  • BOB Eterna Credit Card

  • BOB Prime Credit Card

  • BOB Select Credit Card

  • BOB Easy Credit Card

  • BOB Premier Credit Card

IDFC Bank Credit Card

  • You must be 21 years or above

  • You must be an Indian citizen, having his/her current and permanent residential address within the country

  • The minimum net monthly income of the applicant must be ₹25,000

  • You should not have any records of defaulting on loans or previous credit card payments

  • IDFC FIRST Millennia Credit Card

  • IDFC FIRST Classic Credit Card

  • IDFC FIRST Select Credit Card

  • IDFC FIRST Wealth Credit Card

LIC Credit Card

  • You must earn more than ₹1.8 lakh per annum for an LIC Gold Credit Card

  • You must earn more than ₹3 lakh per annum for an LIC Titanium Credit Card

  • You must earn more than ₹5 lakh per annum for an LIC Platinum Credit Card

  • You must earn more than ₹15 lakh per annum for an LIC Signature Credit Card

  • You should be between 18 and 70 years of age

  • You should be a resident of India or a non-resident Indian

  • LIC Gold Credit Card

  • LIC Titanium Credit Card

  • LIC Platinum Credit Card

  • LIC Signature Credit Card

Punjab National Bank Credit Card

  • Primary cardholder must be between 21 and 65 years

  • Add-on credit cardholder must be over 18 years of age

  • Salaried or self-employed with a minimum annual income of ₹7.5 lakh

  • Credit score of 750 or above with no outstanding dues pending

  • PNB RuPay Platinum Credit Card

  • PNB RuPay Select Credit Card

  • PNB RuPay Millennial Credit Card

  • PNB Visa Signature Card

 

Disclaimer: AMEX, HDFC Bank, Kotak Mahindra Bank, IDFC Bank, HSBC, IndusInd Bank, Union Bank, Indian Bank, South Indian Bank (SIB), Bank of Baroda, Life Insurance Corporation of India (LIC), and Standard Chartered Bank are not Bajaj MARKETS’ partners. Offers would be from partner Banks/NBFCs only.

Eligibility to Upgrade Credit Card

If you own a credit card, have a positive repayment history, a good credit score, and a significant income, chances are that your credit card-issuing bank will reach out to you for a credit card upgrade. In case the bank hasn’t reached out to you, you can reach out to the credit card customer care or visit your nearest bank branch and express your interest in upgrading your credit card. In some cases, you can also find the details of eligibility for the card upgrade option on the credit card netbanking portal of your bank.

How to Check Eligibility for Credit Cards

You can use the credit card eligibility checker feature available on Bajaj MARKETS to see which cards you are eligible for.

  • Step 1: Click on the ‘Apply Now’ option on the Bajaj MARKETS credit card page.

  • Step 2: Select your profession, enter your registered mobile number, your date of birth in DD/MM/YYYY format, and your name as per your PAN card.

  • Step 3: Click on the ‘Check Your Offer’ option.

  • Step 4: Validate with the OTP sent to your registered mobile number.

  • Step 5: You will be able to view the list of credit cards you are eligible for.

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FAQs on Credit Card Eligibility Criteria

✔️What are the key factors affecting my credit card eligibility?

Some of the important factors that determine your eligibility are age, income, employment, nationality, and credit score. The eligibility criteria for a credit card will vary based on the bank and the specific card variant.

✔️What is the minimum salary requirement to apply for a credit card?

 In most cases, having a monthly salary above ₹25,000 is good enough to get a credit card. However, it will vary based on the credit card type and whether you are a salaried or a self-employed individual. You can check the Axis Bank credit card, RBL Bank credit card, SBI credit card, ICICI Bank credit card eligibility requirements, etc., on the Bajaj MARKETS’ portal to understand more.

✔️Which credit card can one quickly get?

 If you do not have a good credit score, you can easily apply for a secured credit card against a fixed deposit to get a credit card quickly. For e.g., Axis Insta EMI credit card, Bajaj Finserv RBL Bank Super Card, SBI Card Advantage Plus, etc. Also, if someone in your immediate family has a credit card, you can get approved for an add-on credit card easily and enjoy the same benefits as them. In case you are a student, you can also apply for a student credit card such as the Bihar student credit card, West Bengal student credit card, etc. If you are a farmer, you can apply for the Kisan credit card (KCC) under the KCC loan scheme of the government.  

✔️How can I get a credit card immediately?

 You can apply for a credit card online via the Bajaj MARKETS website or app for easy approval. The bank may, however, require a little time for verification and authentication. Once the bank has evaluated and approved your profile, your credit card will be dispatched immediately. However, do note that you must match the specific credit card eligibility requirements.

✔️What is the minimum age to get a credit card in India?

 The minimum age to avail a credit card is 18 years. This may, however, vary based on the bank and the card type.