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

    • Axis Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      Earlier i was having a salary account with Axis bank based on that they have provided me a credit card. In Axis bank, I'm holding a previlege card for that they are providing a Yatra voucher worth of Rs. 5000. I got the credit limit of Rs. 1.31 lakhs. I need to pay the annual fee of Rs. 1000. When i use upto Rs. 4 lakhs yearly they will send Rs. 1000 to my credit card account.
      Was this review helpful? 1
      , chittorgarh
      Reviewed on Feb 19, 2020
    • HDFC Bank
      HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      In 2017, i have purchased the credit card from HDFC actually this is the offer given by HDFC bank without charging me any annual fee and joining fee. I don't get any special offers. They sent a representative to my office to collect all the documents. Within 15 days, they have sent me a credit card to my office address. Overall, the process was good!
      Was this review helpful? 1
      , chittorgarh
      Reviewed on Feb 19, 2020
    • SBI Cards Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      Recently 3-4 weeks back, i have taken a SBI credit card. I met a person from mall and i applied this card and the credit limit was okay. SBI has some annual charges of Rs.499 wavier is there but not sure about terms and conditions. I have started using this card mostly for groceries and shopping.
      Was this review helpful? 1
      , srikakulam
      Reviewed on Feb 19, 2020
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank credit card more than 1 year. This is a life time free card and i am happy with the credit limit what they given. This is a money back card i am getting more cash back offer, mostly i use this card for dinning, shopping and their service was good.
      Was this review helpful? 1
      , srikakulam
      Reviewed on Feb 19, 2020
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have SBI credit card which was taken through bank directly .The credit limit was 90,000, it was really sufficient .This card is easy to use. This was a chargeable card and the card was delivered on exact time frame .The process was really good and there was no difficulties faced so far on using this credit card .
      Was this review helpful? 1
      , ranchi
      Reviewed on Feb 19, 2020
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have taken HDFC Bank credit card and I am happy with the credit limit, it was 3lakhs. I am getting fuel benefits, discounts for shopping and movie ticket offers.It is very easy to use and there was no drawbacks faced so far on using this credit card .I am using this credit card very frequently .
      Was this review helpful? 1
      , ranchi
      Reviewed on Feb 19, 2020
    • RBL Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      I got the offer from RBL bank regarding the credit card. I have received a promotional call and they have explained me about the benefits of the card so i got the same, 6 months before. They gave me a credit limit of Rs. 45000 and i need to pay the annual fee of Rs. 400. I'm not receiving any offers on this RBL card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 19, 2020
    • ICICI Bank Credit Card
      "Need to understand customer needs"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI Bank credit card for the past 1 year. Based on my salary account i have taken the card from my company which is a free card. I am happy with the credit limit what they given. Mostly i am using this card for shopping any emergency purpose and fuel. Emi options are not available. Last month i suppose to pay Rs. 15k for credit card , i paid only Rs. 14k and kept Rs.1000 as a pending. After 5 days it is showing - 4000 then i contacted the customer care they said it is a partial amount, for that Rs. 1k i paid Rs. 4k extra which i felt very bad.
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 19, 2020
    • YES Bank Credit Card
      "Good Card"
      0.5 4.5/5 "Excellent!"
      Yes bank is providing me a life time free card and there is no annual charges. I have applied for the master card but i have received different card. I get a fuel waiver and shopping benefits. Credit limit is really good. Guy from YES bank came to my office for the verification but I felt, documentation process was too lengthy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 19, 2020
    • ICICI Bank Credit Card
      "Need to improve the customer care service"
      0.5 3.0/5 "Satisfactory"
      There is no proper customer care in ICICI BANK and even the interest charges are also very high. I have been using my ICICI credit card for around 1 year. I'm paying the annual fee of Rs. 500 and i think its getting waived off on a first year based on my transactions and I'm not sure about second year waiver. I'm getting free movie ticket on this card.
      Was this review helpful? 1
      , nagpur
      Reviewed on Feb 19, 2020
    • HDFC Bank Credit Card
      "Excellent and good service"
      0.5 5.0/5 "Blown Away!"
      I don't have any problem with HDFC customer care and the rate of Interest on credit card. Its around 1 year, i have been holding this card. I'm happy about the provided credit limit to me. They are sending offer messages on a regular basis. I have converted my purchase into EMI and the charges are comprehensive.
      Was this review helpful? 1
      , nagpur
      Reviewed on Feb 19, 2020
    • Axis Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using Axis Bank credit card and the credit limit was really good it was Rs.90,000. This was annually chargeable card need to pay Rs.800. This card was delivered on time and the agent shared all the relevant details about the card process. I am using this credit card for the past 3 years only .
      Was this review helpful? 1
      , silvassa
      Reviewed on Feb 19, 2020
    • HDFC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I am an account holder of HDFC bank thats the reason i have chosen the credit card from them. I don't get any benefits on this card. I have done some purchase through EMI option but i haven't checked about the charges. They gave me a credit limit of Rs. 70000. There was no annual fee.
      Was this review helpful? 2
      , tirupati
      Reviewed on Feb 19, 2020
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using HDFC Bank credit card which was taken through bank.There was no offers and this was a chargeable card and it was a money back card .This card was delivered on time and i will be closing this card since not having any offers .The rate of interest was more on this credit card .
      Was this review helpful? 2
      , jodhpur
      Reviewed on Feb 19, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using SBI Platinum credit card more than one year. Credit limit is sufficient and good, annual charges for this card is Rs. 2999 if i spend some amount no need to pay the annual charges. Customer service and responsiveness was good.
      Was this review helpful? 2
      , kolkata
      Reviewed on Feb 19, 2020
    • Axis Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I am using AXIS Bank credit card more than 2 years. This is a life time free card, credit limit is sufficient and good. Mostly i use this card for all purpose and also they providing EMI options in this. Customer service and responsiveness was good.
      Was this review helpful? 2
      , kolkata
      Reviewed on Feb 19, 2020
    • Kotak Credit Card
      "Good service"
      0.5 4.5/5 "Excellent!"
      From KOTAK Bank, i am using credit card last october month. This is a life time free card, I am happy with the credit limit till now. Mostly i use this card to book the flight, train& movie ticket, shopping and fuel purpose. They informed about movie offer which haven't avail.
      Was this review helpful? 1
      , mumbai
      Reviewed on Feb 18, 2020
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Last 1.5 years ago, i have purchased the credit card from HDFC bank, their executive called me and approached to take a credit card. They gave me a credit limit of Rs. 50000 and there is no annual fee for this card. I'm getting cashback based on my purchase. They have not increased my credit limit till after completion of one year other than this i don't have any issues.
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 18, 2020
    • HSBC Bank Credit Card
      "Documents should be minimum &no need to call again and again"
      0.5 1.0/5 "Really Bad"
      I have applied HSBC credit card through online. They are asking more documents like bank statement for 6 months, which am not interested to provide for credit card so i told them to close my application. Customer service need to be improved.
      Was this review helpful? 1
      , mumbai
      Reviewed on Feb 18, 2020
    • Citibank Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      I am using CITI Bank credit card quite for a long time. This is a life time free card and they given a good credit limit of Rs. 3,00,000. Mostly i use this credit card for shopping purpose only. Customer service and responsiveness was very good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Feb 18, 2020
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