Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Documents Required To Apply For A Credit Card

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  • Credit cards have revolutionised the way people in India look at debt. Those who were afraid to take loans earlier are now considering credit cards as an effective line of credit. Since their inception, credit cards have been one of the most popular credit instruments for all categories of people including salaried, self-employed, NRIs and even for students.

    With the demand for the cards increasing at rapid pace, banks and financial institutions are introducing credit cards with attractive features and benefits. Individuals can take the same opportunity to get the best credit card they could ever imagine.

    Well, the documents and the eligibility criteria to apply for a credit card would vary from bank to bank and from card to card. However, there are certain common documents that most of the banks including the top banks such as SBI, HDFC, ICICI, Axis Bank, Citibank and others require the applicant to submit along with the credit card application.

    We compiled a list of documents required to apply for a credit card for most categories of individuals or credit cards possible. You can consider it as a checklist to know whether or not you have the minimum documents ready to apply for a credit card. However, when applying for a specific credit card, we recommend you to check with the respective bank for the list of documents required to apply for that card.

    Documents Required For Resident Salaried Individuals to Apply Credit Card

    Please note that a photocopy of the documents mentioned below need to be submitted but not the originals. The bank may ask you for originals to verify the photocopies.

    Identity Proof (Any One Of The Below)

    • Aadhaar card
    • PAN card
    • Driving license
    • Voter ID card
    • Passport

    Address Proof (Any One Of The Below)

    • Electricity bill
    • Ration card
    • Passport
    • Driving licence
    • Telephone bill
    • Last two months’ bank statement
    • Voter ID

    Make sure the address in the submitted proof matches with the one you entered in the application.

    Income Proof (Any One Of The Below)

    • Latest payslip
    • Form 16
    • Income tax (IT) return

    Age Proof (Any One Of The Below)

    • Tenth standard school certificate
    • Birth certificate
    • Passport
    • Voter ID card

    Other Documents

    • PAN card photocopy
    • Form 60

    Documents Required For Resident Self-employed Businessmen / Professionals to Apply For Credit Card

    Identity Proof (Any One Of The Below)

    • Aadhaar card
    • PAN card
    • Driving license
    • Voter ID card
    • Passport

    Address Proof (Any One Of The Below)

    • Electricity bill
    • Ration card
    • Passport
    • Driving licence
    • Telephone bill
    • Last two months’ bank statement
    • Voter ID

    Make sure the address in the submitted proof matches with the one you entered in the application.

    Income Proof (Any One Of The Below)

    • Income tax returns with computation of income or
    • Certified financial documents and
    • Proof of business continuity
    • PAN card

    Age Proof (Any One Of The Below)

    • Tenth standard school certificate
    • Birth certificate
    • Passport
    • Voter ID card

    Documents Required For Students to Apply For Credit Card

    Identity Proof (Any One Of The Below)

    • Aadhaar card
    • PAN card
    • Driving license
    • Voter ID card
    • Passport

    Address Proof (Any One Of The Below)

    • Ration card
    • Passport
    • Driving licence
    • Telephone bill
    • Voter ID

    Make sure the address in the submitted proof matches with the one you entered in the application.

    Age Proof (Any One Of The Below)

    • Tenth standard school certificate
    • Birth certificate
    • Passport
    • Voter ID card

    Enrolment Proof

    • College identity card or
    • Admission slip or
    • Study certificate from the college or university

    Documents Required For Non-resident Indians (NRIs) to Apply For Credit Card

    Identity Proof

    • Passport or
    • Driving License

    Address Proofs

    For Mailing Address In India (Any One Of The Below)

    • Driving license
    • Passport
    • Original electricity bill
    • Original telephone/post-paid mobile invoice
    • Original bank account statement
    • Voter ID
    • Rental agreement
    • Lease deed
    • Title deeds of property

    For Mailing Address In Overseas (Any One Of The Below)

    • Driving license
    • Overseas bank statement
    • Government-issued ID card
    • Utility bill
    • Credit card statement
    • Lease agreement
    • Rent receipt
    • Company appointment letter
    • Company ID card
    • Passport

    Make sure the address in the submitted proof matches with the one you entered in the application.

    Documents Required To Apply For Travel Credit Cards Or Forex Cards

    For Salaried / Self-employed Travellers

    • Passport
    • Visa
    • Travel ticket
    • PAN card
    • Form A2

    For Student Travellers

    • Form A2
    • Passport
    • Appointment letter or admission letter or University identity card
    • Passport size photograph

    These are some common documents required by most of the credit card issuing banks. However, as mentioned earlier, the banks may request for additional documents based on their terms and conditions.

      

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    Documents Required To Apply For A Credit Card Reviews

    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I received a card on time which was applied through an online with INDUSIND bank. It is a life time free credit card. The credit limit is given was okay because I was expecting more than that. So far no issue faced by using this card. Their service is good.
      Was this review helpful? 4
      , mumbai
      Reviewed on Oct 17, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Need to enhance the credit limit"
      0.5 3.0/5 "Satisfactory"
      For the past 2 years I am using HDFC BANK credit card for more than 2 years with low credit limit of 21 thousands only for 2 years I am using this card yet they have not enhance it. It is a life time free credit card. EMI option is applicable and charges are nominal.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Need to enhance the credit limit"
      0.5 3.0/5 "Satisfactory"
      I have been holding SBI credit card for more than 3 years. It is an annual fee chargeable of 2000 rupees and there is no option for a waiver off. The credit limit is sufficient for 50 thousands only. EMI option is applicable for this card and it is nominal.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank directly .I am using this credit card for the past 2.5 years ,The credit limit was very less and there was no difficulties faced so far ,I have got the credit card on time without any hassle and this card is really good to use .
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The reason for taking Indusind Bank Ltd credit card because of the higher credit limit. I have used the card and made a payment as well without any difficulty. The credit limit is more than sufficient. They did not inform me about the reward points. The documentation process is easy.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I am holding RATNAKAR BANK credit card for more than 2 years. It is an annual fee chargeable card of 1000 rupees and there is an option for a waiver off for a certain amount of usage. EMI option is applicable and charges are nominal. I use this card for many purposes.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Indusind Bank credit card which was taken through Online .I have got the credit card on delay basis it took 1month time that was the difficulty faced by me .The credit limit was good and this was a free card .I am really satisfied with the service so far .There was no cash back offers and reward points .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 17, 2019
    • Citibank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have Citi Bank credit card for the past 1 year .I am using this credit card for the past 1year .I have got all the required details about the card process ,I have got this credit card on time without any hassle .The credit limit was pretty good and there was no drawbacks faced .I am satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Ratnakar Bank credit card which was taken through Bank .I am using this credit card for the past 1 year and it was a chargeable card ,I have got my credit card on time without any delay .The credit limit was really good and there was no drawbacks faced .I am realy satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank OF India credit card which was taken through Bank direclty.I am using this credit card for the past 6 years .I have got good credit limit and there was no difficulties faced while using tis card .It is very easy to use and very comfortable as well .I am satisfied with this credit card so far.
      Was this review helpful? 1
      , mumbai
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank.I am using this credit card for the past 6 years .I have got all the required details about the card process ,I have got my credit card on time without any details .The credit limit was really good and there was no drawbacks faced .I am totally satisfied with the service .
      Was this review helpful? 2
      , mumbai
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using Indusind Bank credit card which was taken through Online .The credit limit was very good it was upto 1 lakh it was sufficient .I have got all the required details about the card process.I have not faced so far on using this card .This was a free card .I am totally satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Mahindra Bank credit card which was taken through Bank .I am using this credit card for the past 4 years ,This card is very easy to use and there was no difficulties faced so far .I am really satisfied with the service .I am comfortable with the service so far.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Ratnakar Bank credit card which was taken through Bank directly. I am using this credit card for the past 1 year and got all the required information about the card process very clearly . This was a chargeable card and the credit limit was really good and it was 1,52,000. I am completely satisfied with the service.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I received a card on time which was applied through an online with INDUSIND bank. It is a life time free credit card. The credit limit is given for 75 thousands which was low because I was expecting more than a one lakh. EMI option is applicable. I have been using this card for shopping, fuel and restaurant purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Very Nice to use"
      0.5 3.0/5 "Satisfactory"
      In SBI, they are providing a voucher if i pay the annual fee of Rs. 3000 and if i use more than Rs. 5000 yearly, the annual fee is getting waived off. In SBI, i have a prime card. They gave me a credit limit of Rs. 50000. Customer care service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Very Good to use"
      0.5 5.0/5 "Blown Away!"
      They have given me a nice offers and the rewards points will be nice when I'm getting in a shopping. I have got the credit limit of Rs. 1 lakhs. There is a annual fee of Rs. 3000 but i can pay this by using the rewards points. I have got the first month bill and i have to pay on 24th of this month. The statement is clear to understand.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank directly.I am using this credit card for the past 4 years and got all the required information about the card process very clearly .This was a free card and and there was no difficulties faced so far on using this card .
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card which was taken through Bank.I am using this credit card for the past 4 years.This was a free card and there are good reward points as well as cash back offers .I have submitted the required documents very clearly .There are good reward points as well as cash back offers .I am satisfied with the service so far.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with INDUSIND bank on two months before which was processed through an online. Within 2 days I received a call from their end once verification completed by 15 days I received a card. The credit limit is low as per my requirement. EMI option not aware. There was some requirement so I have chosen to apply for it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
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