Each bank/card has different credit card eligibility criteria set for its applicants. These include 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 need to know about credit card eligibility for some of the most popular banks in the country.
On This Page: Requirements For Credit Card | Factors Affecting CC Eligibility | Eligibility for Different Banks | Credit Card Upgrade | FAQs
The credit card eligibility criteria may vary from one lender to another. Below mentioned are the basic requirements for getting a credit card:
Parameters |
Eligibility Criteria of 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 |
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.
Most credit cards have a specific income requirement. This is because to use and maintain the card, a certain amount needs to be available to you every month. 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 limit assigned to you.
Another factor that affects your eligibility is your employment status. Staying in your current job for more than a year can improve your chances of getting a credit card significantly.
Only Indian citizens or, in some cases, Non-Resident Indians (NRIs) can avail an Indian credit card.
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.
To make sure your credit card application is approved, you need to check your credit card eligibility online. Certain factors also determine your credit card eligibility:
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.
Your credit card provider will also consider your credit utilisation ratio. Your current dues should not exceed the granted limit, or it may affect your application process.
An individual’s employment status majorly affects their eligibility for a credit card. 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.
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.
The credit card eligibility for some of the top banks in the country are mentioned below:
Credit Cards |
Eligibility for credit card |
Top Credit Cards |
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BPCL SBI Card,SimplySAVE SBI Card,IRCTC RuPay Card,SBI Card ELITE, SBI Card PRIME, SimplyCLICK SBI Card |
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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 |
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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. |
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Citibank Cash Back Credit Card, Citibank Rewards Credit Card, Citibank Premiermiles Credit Card, Citibank IndianOil Credit Card |
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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 |
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American Express Membership Rewards Credit Card, Amex Platinum Travel Credit Card, American Express SmartEarn Credit Card, etc. |
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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 |
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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 |
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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 |
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HSBC Cashback Credit Card, HSBC Visa Platinum Card, HSBC Premier Credit Card, HSBC Smart Value Credit Card |
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Indusind Legend Credit Card, Indusind Nexxt Credit Card, Indusind Pinnacle Credit Card, IndusInd Platinum Credit Card, Indusind Platinum Aura Credit Card |
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UBI VISA Signature Credit Card, UBI Rupay Select Credit Card |
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South Indian Bank SimplySAVE -SBI Credit Card, South Indian Bank- SBI Platinum Card |
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SC Digismart Credit Card, SC Manhattan Credit Card, SC Platinum Rewards Credit Card |
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IB Bharat Credit Card, IB Gold Credit Card |
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BOB CA Credit Card, BOB Eterna Credit Card, BOB Prime Credit Card, BOB Select Credit Card, BOB Easy Credit Card, BOB Premier Credit Card |
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IDFC FIRST Millennia Credit Card, IDFC FIRST Classic Credit Card, IDFC FIRST Select Credit Card, IDFC FIRST Wealth Credit Card |
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LIC Gold Credit Card, LIC Titanium Credit Card, LIC Platinum Credit Card, LIC Signature Credit Card |
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PNB RuPay Platinum Credit Card, PNB RuPay Select Credit Card, PNB RuPay MillennialCredit Card, PNB Visa Signature Card |
Disclaimer: AMEX, YES Bank, 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.
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 net banking portal of your bank.
You can use the credit card eligibility checker feature available on Bajaj MARKETS to see which cards you are eligible for.
Click on the ‘Apply Now’ option on the page.
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.
Click on the ‘Check Your Offer’ option.
Validate with the OTP sent to your registered mobile number.
You will be able to view the list of credit cards you are eligible for.
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.
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 individual or a self-employed person. 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.
There are a few ways to improve your chances of getting approved for a credit card easily:
If you do not have a good credit score, you can easily apply for a secured credit card against a fixed deposit. Example- 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.
You can also check the eligibility requirements of popular banks such as Axis Bank, ICICI Bank, State Bank of India, and RBL Bank, among others, from the Bajaj MARKETS website/ app and apply for the one that works best for you.
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.
The minimum age to avail a credit card is 18 years. This may, however, vary based on the bank and the card type.
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