Credit Card

Do you want to use all offers

which you see on shopping tolls then for these you need a credit card. Yes the Credit Cards can help you make payments for all your expenses with ease. They can be used for both online and offline transactions and offer various benefits. Apply for a credit card online and select a card that best suits your needs. Enjoy instant approval, zero documentation, hassle-free application process, and a range of other benefits.

Credit Card Eligibility

If you are Indian and want to own a credit card, then the eligibility criteria for is to be 21 years old and must have a stable income source. The income requirement can be changed as your desire credit card and the issuer. Having a decent credit history and not negative credit score around 700+ can also be improve your easy approval. You must have proper documents for your identification, income proofs, residency proof, and other requirement documents while applying. Even after a successful documentation and process doesn’t guarantee approval, as the credit card issuer may also consider more factors too.

Documents Required to Apply for a Credit Card

When applying for a credit card, the documents required may vary depending on the issuer. However, in most cases you will need to submit the following documents:

• Identity proof: such as your Aadhaar card, PAN card, Driving licence, passport, or voter's ID to establish your identity.
• Address proof: such as electricity bill, telephone bill, Aadhaar card, or other valid proof of your residential address.
• Annual ITR (if required): If you are self-employed or have other sources of income, you may need to submit your annual Income Tax Returns (ITR) as proof of your financial standing.
• Latest salary slips: If you are a salaried individual, submitting your recent salary slips can help demonstrate your income and repayment capacity.
• Duly-filled application form: This form provides your personal information and serves as a formal request for a credit card.
• Passport-size photographs: Usually, you will need to provide a couple of recent passport-size photos for identification purposes.
• Bank statement: Providing your bank statement, typically for the last three to six months, helps verify your financial transactions and stability.
• Form 16: For salaried individuals, a Form 16 issued by your employer is proof of your income, taxes paid, and tax deductions.