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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. 

Basic Eligibility Parameters

While your SBI credit card’s eligibility is based on several aspects like the applicant type and card variant, here’s a quick overview of the general checklist:

  • Age: You must be between the ages of 21-70 years

  • Residency: You must be an Indian resident

  • Employment: You must be a self-employed or salaried individual

  • Income: You must have a stable and regular source of income

  • Credit Score: You must have a good credit score - preferably above 700


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

Documents Required

To complete the application process, you will also have to keep a few KYC documents handy for the video KYC process. These include:

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


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 Affecting Your Credit Card Eligibility

While the eligibility parameters for different SBI credit cards differ, the following common factors play a crucial role in determining your chances of approval.

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.

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.

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.

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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