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From travel rewards and shopping benefits to fuel surcharge waivers and contactless payment perks, SBI credit cards offer a cross-section of benefits to cardholders. However, to apply for an SBI credit card, you must meet the eligibility criteria set by the bank. 


Age, employment, and income parameters are some of the common SBI credit card eligibility criteria you must meet. While SBI credit card eligibility checklists differ depending on the card variant and applicant type, it's still important to understand these requirements before applying to reduce chances of rejection. 

Basic Eligibility Criteria 

While your SBI credit card eligibility is based on several parameters, here’s a quick overview of the general applicable checklist. To pass an SBI credit card eligibility check:


  • You must be an Indian resident.

  • You must be between 21-70 years of age.

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

  • You must have a stable and regular source of income.

  • You must have a good credit score - preferably above 720. 

Note: SBI credit card minimum salary eligibility criteria will vary depending on the selected card variant.

Documents Required 

You can apply for an SBI credit card online in a few minutes, if you meet these eligibility parameters. To complete the application process, you will have to keep a few KYC documents handy for a video KYC. Here’s a list of documents required for an SBI credit card:


  • AADHAR Card (or any other valid address proof document)

  • PAN Card

Apart from these identity and address proof documents, your latest payslips and ITR copies may be included in the SBI credit card documents required list. These documents might be listed to verify your income eligibility for the card. 

Factors that Affect Your Credit Card Eligibility 

While the eligibility parameters for differ SBI credit cards differ, the following common factors play a crucial role in determining your chances of approval. Factors affecting your SBI credit card eligibility are as follows:

1. CIBIL Score

Your credit score directly impacts your chances of securing an SBI credit card. It’s essentially a condensed representation of your credit and repayment track record. A good credit score of 750 or above and well-managed credit history presents you as a credible borrower to lenders, boosting your chances of approval. 

2. Employment Stability 

While meeting SBI credit card eligibility and minimum salary requirements is important, it is equally important to demonstrate a stable employment trajectory. Lenders interpret a stable employment history as a positive sign, since those with regular monthly incomes are likely to repay dues on time. Thus, those who frequently change jobs might find it difficult to get a credit card as opposed to applicants who continue at a job for a year or more. 

3. Past Credit Enquiries 

Each time you apply for a line of credit - be it a loan or credit card - the lender initiates a hard enquiry into your credit score. Multiple enquiries within a short time span can negatively impact your score, since lenders can perceive them as financial instability. This can severely affect your chances of securing a credit card. To avoid this, it's always prudent to limit consecutive enquiries to a maximum of two per year.

4. Residency 

To apply for an SBI credit card, your location must fall within the serviceable areas listed by the bank. If you live in an area blacklisted by the bank, you might not qualify for the card. However, since SBI is a leading public sector bank, its serviceability radar covers most Indian cities and locations.

FAQs on Eligibility Criteria and Documents Required

To figure out your SBI credit card eligibility, you will first need to assess your own requirements. Next, you can check the basic age, employment, and income eligibility checklist available on the official SBI website. If you meet parameters, you can pick a card that best meets your lifestyle needs. 

To qualify for an SBI credit card, you must meet basic age eligibility parameters. The general SBI credit card eligibility age caps range from 21-70 years. For salaried individuals, the minimum age limit is 21 years, while for self-employed individuals this minimum limit is 25 years. Retired pensioners within the 40-70 years age bracket can also apply for the credit card. 

You can check your card eligibility by visiting the official SBI website or the Bajaj Markets page that outlines all the SBI credit card eligibility criteria. 

Your credit card may be rejected if you have not furnished the correct details or submitted relevant documents. Other reasons for rejections could be low income or a low credit score.

To track your SBI credit card application, you need to visit the official SBI website and go to the ‘Track Application’ page. Next, you need to enter your application number/reference ID provided while submitting the application and click on the ‘Track’ button. 

The SBI credit card documents required list includes identity proof, address proof, and income proof documents. If you’re applying for the credit card online, you will have to keep your PAN Card, Aadhaar Card, salary slips, ITRs, and bank statements handy. 


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