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Eligibility Criteria for Credit Cards

Eligibility Criteria for Credit Cards

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Credit Card-Eligibility

The credit card has made shopping more comfortable, convenient, and safer. With a credit card, the user can earn reward points, discounts and lounge access at airports or railway stations. Each bank or card may have different credit card criteria set for the applicants. If you don’t meet the credit card requirements set by the bank, your application may be rejected. To ensure that your credit card application is approved, you must meet specific eligibility for a credit card.

With credit cards taking the centre stage of our lives, banks have come up with a variety of credit cards for different needs. The individuals can choose the right one that matches their requirements for credit card accordingly. Many banks and NBFCs offer a credit card eligibility check to make it easier for customers to see if they are eligible. At Finserv MARKETS an individual can use a credit card eligibility checker. Bajaj Finserv eligibility check and apply for a credit card to confirm their Bajaj Finserv Eligibility.

Factors Affecting Your Credit Card Eligibility

To make sure your credit card application is approved you need to check credit card eligibility online. Certain factors also determine your credit cards eligibility:

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

  • Existing Debt: Your credit card provider will also consider your credit utilization ratio. Your current dues should not exceed the granted limit, or it may affect your application process.

  • Employment: An individual’s employment status affects eligibility for credit card. Working with your current employer or organization for more than a year will make you appear credible and improve your chances of getting a credit card significantly.

  • Location: Banks also consider your address when they assess your eligibility for applying credit card. Some cards are only available to those residing in particular cities.

Bajaj Finserv Credit Card Eligibility

The credit card eligibility criteria may vary from one lender to another. Below mentioned are the basic criteria for credit card

Age

Minimum of 18 years old

Income

Fixed deposit or minimum monthly or annual payment as set by the bank

Employment

Salaried or Self-Employed

Nationality

Must be an Indian Citizen

Credit Score

It would be best if you had a minimum credit score of 750

  • Credit Card Age Limit of the Applicant: Using a credit card becomes a huge responsibility. An individual gets a steady source of income only after a certain period of years. Hence, the banks are sure about age criteria in giving a credit card as they expect a proper payment every month.

  • Credit Card Income Limit: Many credit cards have a specific credit card income requirement. You must earn a credit card eligibility minimum salary to fit in the eligibility to get credit cards. Moreover, income affects the credit limit assigned to the user.

  • Employment: 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.

  • Nationality: Only Indian citizens or Non-Resident Indians (NRIs) can avail an Indian credit card. 4) 2-3 lines about applying for a credit card based on eligibility

  • Credit Score: Banks check the customer’s credit score at the time of card application. A credit score will outline the customer’s credit history, payment history, and payment defaults if any.

Eligibility for Different types of Credit Cards

SBI Bank

The bank offers a wide range of credit cards with varying criteria of usage. And accordingly, the minimum eligibility for a credit card may also vary. But for applying an individual first needs to check credit card eligibility:

  • An Indian resident

  • Above 18 years

  • And, should have a good CIBIL score

Axis Bank

Check eligibility for credit card before applying with the bank:

  • The applicant must be between the ages of 21 to 60 years

  • Indian citizens only can apply

  • Customers with a prior relationship with the bank should be earning Rs. 25,000 per month

  • New applicants should be earning Rs. 50,000 per month to avail an Axis Bank credit card

ICICI Bank

ICICI credit card offers numerous features and benefits to its users. To apply for a credit card, the applicant’s business credit cards eligibility check. Let’s have a look at the following eligibility criteria:

  • The borrower must be earning an income of at least Rs. 15,001 every month

  • The applicant should be between the ages of 21 and 60 years of age

  • Credit history is not required to avail ICICI Bank credit card

HDFC Bank

This bank has different cards with different benefits and features. Along with premium and cashback card, it offers professional cards for doctors and teachers along with unique cards for women. For an HDFC card, the minimum eligibility credit card apply requirements are:

  • The applicant must be between the ages of 21 to 65 years old

  • His annual income must be at least 2 lakh if salaried

  • Customers who do not have a credit score can also apply

American Express

They offer both premium and basic credit cards to its customers. Below are the credit card apply eligibility criteria for credit cards:

  • Age of the applicant must be over 18 years of age to be eligible for a business credit card eligibility

  • Monthly income must be over Rs. 33,333 to Rs. 4.00 lakh per annum

  • Applicants must also have a credit history. 

FAQs

  • ✔️What are the eligibility criteria for getting a credit card?

    If an individual wants to check my eligibility for credit cards. Given below is the Bajaj Finance Credit card eligibility criteria when applying for a credit card:

    • The applicant must be over 21 years of age.

    • They should be employed and earn Rs. 15,001 per month to be

    • Self Employed individuals should be earning at least Rs. 2.00 lakh per annum

    • Employed applicants are not eligible for a credit card if they are above 60 years of age.

    • Some banks allow self-employed individuals to apply until they are 65 years to 70 years old.

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

    When conducting a Bajaj Finance eligibility check an individual’s monthly income needs to be Rs. 15,000 or more to be eligible for a credit card. However, the income requirement depends on the bank and the credit card being used for.

  • ✔️Which credit card can one quickly get?

    Applicants can easily avail an add-on card or Secured credit cards. Add-on cards can be quickly helped by immediate family members of the primary credit cardholder. Secured credit cards are only issued against a fixed deposit.

  • ✔️How can I get a credit card immediately?

    One of the fastest ways to get a credit card is by applying with Bajaj Finance. You need to fulfill the Bajaj Finance EMI card eligibility by submitting the online application form and the necessary documents.

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

    The minimum age to avail a credit card is 18 years. Bajaj Finserv maintains 25 years as the lower limit primarily due to the repayment capability of applicants; it reduces the chances of defaulting on loans.

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