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 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 licence
- 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 Licence
- 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 licence
- 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 Licence
Address Proofs
For Mailing Address In India (Any One Of The Below)
- Driving licence
- 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 licence
- Overseas bank statement
- Government-issued ID card
- Utility bill
- credit card statements
- 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
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.
FAQs on Documents Required to Apply for a Credit Card
- What are the documents which will be accepted by the bank for age proof?
You can submit your passport, birth certificate, class 10 mark sheet or voter ID card as age proof.
- What should I do if I am an NRI and I do not have my passport with me during the time of document verification?
If you are an NRI customer and cannot submit your passport, you can always submit your driving licence, or appointment letter.
- Is it compulsory to submit documents for getting a credit card?
Yes, you have to submit documents to get a credit card in order to establish proof of income, proof of residential address and proof of identity. The bank will not conduct any business with people who do not verify their details.
- What is FATF?
FATF is Financial Action Task Force. If you are an NRI customer and are in a FATF country, then you can attest your documents from an Overseas banker who has been licensed to operate in the country. In a non-FATF affiliated country, the customer's documents will have to be attested by a Indian Consulate or a Foreign Notary.
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