Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card BYTES FROM OUR KITCHEN

    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.

    Documents Required To Apply For A Credit Card Reviews

    • HDFC Bank Credit Card
      "Good in all"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and the customer services are good. They also provide me with good offers and a very good credit limit. It is a smooth process while using the card, I never faced any hassles in the overall process till date.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Citibank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      Citibank has been overall good in the customer services. The online banking is good and the credit card offers are also good. The statements are also good and the billing is also in a timely manner. The credit limit is also fine and there are no charges taken for the card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      I have been using ICICI Platinum card for more than 1.5 years. The credit limit is low which they need to increase. IVR takes longer time for the connectivity also they need to improve the service. There is no annual charge for this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Good card for the withdrawal"
      0.5 5.0/5 "Blown Away!"
      From RBL I have et money card it gives the flexibility of taking the cash without any interest. I can withdraw the maximum of 100%, the credit limit is also satisfactory with RBL card. One month back I got the card, the due date is convenient for me.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Recommendable Card"
      0.5 5.0/5 "Blown Away!"
      I get 10x points from HDFC card based on the spends, In fact the cash back is also excellent. The customer support is good for the credit card queries, but there is a long queue to connect with the executive. They don't have direct contact no, first I need to verify my details in IVR, then again the executive verify it, therefore the process should be simple.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • Citibank Credit Card
      "Good card for all transaction"
      0.5 5.0/5 "Blown Away!"
      I have reward points from CITI bank, I get more bonus points on the transactions, they give cash back offers for some transaction, I don't what to call them everything is prefect, the interest is also reasonable, I am using life time free credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bharath credit card and using it for past 1.5years. The service is excellent and they are not charging high for the late payments. The credit limit is average and they need to enhance the limit. It is a life time free credit card. There was no much offers.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 22, 2019
    • Bank Bazaar Credit Card
      "Simple method for getting credit card "
      0.5 5.0/5 "Blown Away!"
      Through Bank bazaar it is a simple process of getting the credit card in quick time .It hardly took 1 week of time in Online method . I came to know bank bazaar through SMS . Customer executive guided about the various credit card in online . Mobile app is also user-friendly .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Axis Bank has offered NEO credit card and am using it for past 6 months. The credit limit is sufficient for the beginner, its 40K. The rate of interest is too high for late payment charges which they need to reduce. It is a life time free credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 22, 2019
    • IndusInd Bank Credit Card
      "Online shopping and EMI is major advantage"
      0.5 5.0/5 "Blown Away!"
      I recently applied for the Indusind bank credit card in the on-line method . Within 10 days of time ,I got a good response till the time of dispatchement of my card . No annual fees for this card . The main plus point with Indusind bank credit card is the on-line shopping .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Kotak Credit Card
      "Good Card with Kotak"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra card for around two years, I have salary account hence everything is fine for me. The credit limit is not good because they gave only Rs.22,000, they need to enhance the card limit. I have master card and the accessibility is great.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Average Credit card"
      0.5 5.0/5 "Blown Away!"
      Almost it is going to be 3 months since I started to use this RBL credit card . Normally I will do most of the shopping Off-line .Offers are on-line and it is up to the expectation . RBL mobile app is very easy for making the payment and downloading the statement .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "Credit limit is not sufficient "
      0.5 5.0/5 "Blown Away!"
      For the past 6 months, I am using the AXIS bank credit card . My credit limit is around 25 k only . But this credit limit is very insufficient to use .I am not getting any notification about the various offers in on-line . Annual fees is around 499 - .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the AXIS BANK the card is user friendly to use. The credit limit with this card is satisfactory added on that the offers with this card is good. I am using it from last few years with this card. There is a EMI conversion option but there is no balance transfer option with this card.
      Was this review helpful? 0
      , bhopal
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I am not satisfied with the credit card that i am using it with the ICICI BANK because the credit limit with this bank card is not satisfactory also there are no offers available with this credit card. There is a EMI conversion option with this credit card which is good also it is easy to convert.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I have a credit card with the HDFC BANK the credit limit with this bank they have offered is average and i am not getting any offers with this bank. There is a EMI conversion option with this bank it is good and easy to convert with this bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been ten months since i am using this credit card and the services which they had provided me has been pretty good. But the credit limit with the card has been less and there has not been any annual charges with this card. I had been using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      HDFC has given me a Money Back credit card and using it for past three years. I am happy with the credit limit. There was no annual charges and am paying monthly due. The charges are reasonable for EMI conversion. I got reward points but my sister use to redeem so have no idea.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am just using this credit card for the last one week and the services which they had provided so far has been pretty good. They had given me with a good credit limit and it does not have any sort of annual charges. I am using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Good for all transaction"
      0.5 4.0/5 "Great!"
      I am holding RBL bajaj credit card, features are like the monthly benefits which they give like surcharges on the products, extra points on the shopping with the air lounges. The limit is very satisfied with RBL credit card, I am happy with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 22, 2019
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.