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

    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

    • SBI Cards Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for State Bank Of India Credit Card directly with the bank ,the credit limit was ok ,I am using it for the past 2 and a half years ,There was cashback offers and reward points .I dont have any extra features on this card so far .The agent gave all the required details of the card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • RBL Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for Ratnakar Bank Credit card through online ,the credit limit was 50, 000it was not sufficient .I ahve started using this credit card .I have received the credit card on time .The agent gave all details about the credit card .I have not faced any difficulties on submitting the documents.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have good experience with HDFC BANK . Their branch support services are always nice and ready to help anytime. Overall it was a good banking experience with them. I never had any issues with their services. They always provided me with immediate response.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I've been using the ICICI BANK Credit card for a while.There is charges while getting the card . I do get more flexibile options. I can easily convert my purchases into EMI, there are some processing charges and they also charges a nominal interest. However the service is very useful I never had any problems with their service.s
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "Good credit card"
      0.5 5.0/5 "Blown Away!"
      I am so happy with a newly purchased HDFC credit card . They just taken ten days for dispatching the credit card to me . I am highly satisfied with the credit limit given by HDFC . Though It is not a life time free card and I am getting more offers from HDFC .
      Was this review helpful? 1
      , secunderabad
      Reviewed on Apr 22, 2019
    • SBI Cards Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I have been using STATE BANK OF INDIA Credit card . Customer support is also good. I am long time customer of SBI and never had any issues with their services. But now i close this card because i have to use only one card . There is annual fee at the time of getting the card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I hold HDFC BANK credit card , i close this card because it has very low credit limit . This card is very easy to handle . I am not happy with the services and credit limit is very low i was expecting more limit here . Offers are good , i am using this card for more than 1 year .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I came to know about Bank bazaar through online ,then tried checking credit score ,The credit score was not updated one so far that is the only suggestion .This website is easy to use .There was no issues faced so far on using this portal .This portal is doing a very good service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "Best service"
      0.5 4.5/5 "Excellent!"
      Bank Bazaar a is a great platform to compare and choose various banking products. The whole application process was smooth and hassle free.The service is excellent and very easy there was no so much of documents . The website of bank bazaar is easy to navigate and is user friendly.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • American Express Credit Card
      "IN some outlest i cannot swipe "
      0.5 4.5/5 "Excellent!"
      I bought the AMERICAN EXPRESS BANK credit card . I Haven't used much. I got the card with in few days. They are notifying their customer about the due dates and billing cycle. I'll have to wait and see how this card works out for me after usage. I cannot swipe every were .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • Citibank Credit Card
      "Good for fuel filling"
      0.5 4.5/5 "Excellent!"
      I purchased Indian oil credit card from CITI bank its good for the petrol filling and they are providing petrol surcharges and cash back. Its a chargeable card around Rs. 500 but if I make certain transaction of Rs. 30,000 they give waiver option. The due date is also convenient for me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • IndusInd Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The documentation process was simple and easy for getting the INDUSIND BANK credit card and it took 10 days to get the card. The credit limit is lesser than other card, it is a life time free card but i am not getting any offers with this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • RBL Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      RBL bank credit card best thing i found is that they use to give good offers in shopping, discount offers cash back are available whenever i use for shopping. They have been charging me annual fee, but waiver option is available, they use to give good service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am having the credit card with the SBI CARD where the credit limit with this card is good with no issues. The customer service is good and they have given with the payable card but there was option of wavier off available. They are providing with EMI option.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am using Axis bank credit card, where i am very satisfied with credit limit which they have been giving to me, their customer service is good, they use to response me well, it is life time free credit card have been got from them, their offers are good, so far i did not face any issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the HDFC BANK where the card has the good credit limit added on that the customer service is good. There is a option available of EMI conversion where the payment can be converted and paid with hassle free. It is a payable but wavier option is there.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "USERFRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      It is the first time experience with the Bankbazaar.com and i have a good experience also i have been using through the website as the portal is convenient and user friendly to access. The customer service is good and responsive they explain the details of the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • Citibank Credit Card
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      The documentation process was simple and easy to get the card with the CITI BANK. It took may be 1 week to 15 days approx to get the card. The credit limit is good, it is a life time free card. I am using from last one month, i am getting rewards points.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • IndusInd Bank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD recently i had applied, they have been not charging me annual fee, it is life time free credit limit, the best thing i like in them is that it is easily available in many outlets, and it is life time free credit card, the card came on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "Grateful to Bank bazaar service"
      0.5 4.5/5 "Excellent!"
      I am so thankful to the bank bazaar service . When I am looking for a new credit card , I applied immediately in Bank bazaar . They chosen me the correct credit card and given me a Rs 750 coupon also. This is something new for me . They are doing a great service on behalf of banking sector .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
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