Applying for a Credit Card? Here're the Credit Card Eligibility Criteria

Updated on August 28, 2025 , 16848 views

When it comes to buying a credit card, not everyone can avail it, especially when you don’t match the credit card eligibility. Every credit card has its own requirements that you must consider before applying.

So, if you are planning to apply for a card, here’s an overview of credit card eligibility by different banks.

Factors Affecting your Eligibility Criteria

Basically, there are a few important parameters set by the different creditors that you need to qualify to get the desired card. If you don’t meet the requirements, your application will get rejected. And, this could directly affect your Credit Score. Here are some basic eligibility requirements to get a credit card in India:

Age - Minimum of 18 years old
Income - The applicant must have a regular Income to avail a credit card. However, income requirement may vary for different cards based on specifications and features. The customer should show a proof of steady source of income to avail a credit card. You can either be a salaried employee working in an established company or a self-employed professional managing your own business
Nationality - The applicant should be a resident of India or Non-Resident Indian
Credit score - The applicant should have a Good Credit score. A score of 750 and above is considered a good score. This helps to get quicker approvals for your credit card. Application might get rejected if the applicant's score doesn’t match the requirement of the Bank
Existing debt - Existing debt might affect your credit card application
Location - Eligibility also depends on the location. There are credit cards that are available only for residents of a particular location

Looking for Credit Card?
Get Best Cards Online

Credit Card Eligibility Criteria for Different Banks in India

Here are the basic eligibility requirements needed for the following banks:

SBI Credit Card

Parameters	Requirements
Age	21 years to 60 years old
Add-on cardholder	Minimum 18 years old
Employment status	Self-employed or salaried or a student
Documents	aadhaar card, copy of current residential address proof, passport size photograph, PAN copy

IndusInd Bank Credit Card

Parameters	Requirements
Age	21 years to 60 years old
Income	Net monthly income should be at least Rs. 20,000
Occupation	All salaried and self-employed individuals can apply for an instant credit card with IndusInd bank
Documents	Aadhaar and PAN number

HDFC Credit Card

Parameters	Requirements
Age	21 years old and above
Add-on cardholders	18 years old and above
Employment status	Self-employed or salaried
Documents	KYC, PAN, address proof, ID proof, photograph, salary slip and form16

Yes Bank Credit Card

Parameters	Requirements
Age	21 to 65 years old
Income	Stable monthly income
Documents	KYC, PAN, address proof, ID proof, photograph, salary slip and Form16
Location	You belong to the credit card sourcing cities/locations of the bank

Axis Bank Credit Card

Parameters	Requirements
Age	18 years to 70 years
Employment status	Self-employed or salaried
Add-on cardholders	Above 15 years
Documents	Identity proof, residential proof, proof of income, PAN Card and Form 60
Annual Income	Minimum Rs.6 Lakh

ICICI Credit Card

Parameters	Requirements
Age	21 years to 65 years old
Employment status	Salaried or self-employed
Location	Should be resident of India or NRI
Documents	KYC, PAN, Form 60, income proof, and bank statements

American Express credit card

Parameters	Requirements
Age	18 years to 70 years old
Employment status	Salaried or self-employed
Annual Income	Minimum Rs.6 lakhs
Location	Should be the permanent resident of India
Documents	Identity proof, residential proof, proof of income, PAN and Form 60

Kotak Credit Card

Parameters	Requirements
Age	18 years to 65 years old
Employment status	Salaried or self-employed
Location	Should be an Indian resident
Documents	Voters ID, passport, driving license, PAN, bank statement and income proof

Standard Chartered Credit Card

Parameters	Requirements
Age	Minimum 21 years old
Employment status	Salaried or self-employed
Documents	Identity proof, residential proof, proof of income, PAN and Form 60

Canara Bank Credit Card

Parameters	Requirements
Age	21 years to 60 years old
Annual salary	Minimum Rs. 1 Lakh
Employment status	Salaried or self-employed
Documents	Voters ID, passport, driving license, PAN, bank statement and income proof

Conclusion

Before you buy the credit card, ensure reading the terms and conditions thoroughly. Check if you fulfil their requirements. Based on these, you can make your decision about purchasing the credit card.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.