Credit Card Eligibility

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

SBI Credit Card

• You must be a Resident of India

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

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

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

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 individuals

• 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, etc.

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 lakhs 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 years and 65 years.

• 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 cardholder 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-Residing Indian (NRI)

• You must be between 21 and 65 years of age.

• You must be either a 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 cardholders 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 cardholder 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 lakhs per annum for a LIC Gold Credit Card.

• You must earn more than ₹3 lakhs per annum for a LIC Titanium Credit Card.

• You must earn more than ₹5 lakhs per annum for a LIC Platinum Credit Card.

• You must earn more than ₹15 lakhs per annum for a 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 lakhs

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

PNB RuPay Platinum Credit Card, PNB RuPay Select Credit Card, PNB RuPay MillennialCredit Card, PNB Visa Signature Card