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Key Highlights of Credit Card Eligibility

Here are some of the eligibility criteria necessary to secure a credit card in a nutshell:


You should be at least 18 years old. Age eligibility differs from bank to bank


Individual banks set the minimum monthly salary, annual income or fixed deposit against which the credit card is issued


Most banks give credit cards to salaried or self-employed individuals and business owners

Interest Free Period

Up to 55 days. This number can differ from bank to bank

ATM Cash Withdrawal Charges

These charges form 2.0% to 3.5% of the amount withdrawn


How to Check your Credit Card Eligibility at Bajaj Markets

You can use the eligibility for credit card checking 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.


Eligibility Documents Required for a Credit Card

The following are the documents required for you to meet the criteria for eligibility for credit card.However, the required eligibility documents may vary from one bank to another. 

  • Filled in application form 

  • Identity proof (photocopy of Aadhaar Card, or PAN Card, or Passport, etc.) 

  • Passport size photographs 

  • Residence proof (driving licence, or utility bills, or Aadhaar card, or PAN Card, etc.) 

  • Recent salary slips 

  • Bank statements 

  • Form 16 

If you are a self employed individual, the following are the documents you need to submit to meet the criteria for eligibility for credit card: 

  • Proof of income 
  • Account statements 
  • Proof of your business 

If you are a student applying for a credit card, you are required to present your student ID card while making an application. 


FAQs about Credit Card Eligibility

✔️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 website/app to understand more.

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

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

✔️What are the eligibility criteria to upgrade my credit card?

If you are looking to upgrade your existing credit card, you must have a good credit score, on-time payment history, and a stable source of income. All these things will help you to upgrade your credit card. You can visit the nearest branch of your bank to upgrade your credit card, or you can also request bank executives to visit your place. In addition to all these things, sometimes banks take the initiative to upgrade your credit card by knowing your interest and checking your credit card expenses.


✔️Do I need proof of income to get a credit card?

Yes, most banks will ask you for a proof of income to check your status of employment. This tells them whether you are a salaried or self-employed professional, or run your own business. It also proves to the bank that your income is sufficient so that you can pay off all your monthly credit card bills. Documents that can be submitted as income proof include tax return copies and salary slips.

✔️How can I determine which is the best credit card for me?

You can figure out the best credit card for your own needs by keeping in mind a few points such as your credit score and lifestyle. For instance, your credit limit will be determined by your credit score. Banks offer various types of credit cards with rewards points programmes that cater to different lifestyles like travel, dining, online shopping etc. You can go for a credit card that offers the most and best rewards points for your needs.

✔️Is it possible for non-Indians to apply for a credit card in India?

Yes, non-resident Indians (NRIs) and persons of Indian origin (PIOs) can apply for credit cards in India. NRIs and PIOs can make use of such credit cards to avoid foreign transaction fees and have easy access to funds.