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Credit cards are a useful financial product. Everyone from a salaried person to a student can enjoy its benefits and use it responsibly to build their credit score. However, applicants usually aren’t aware of the documents required for credit card applications. This article will help you with a brief list of documents that you should keep ready for a credit card application in India. The following pointers will be covered:
Types of documents required to apply for a credit card
- Credit Card Documents for Resident Salaried Individuals
- Credit Card Documents Required for Self-Employed/business Individuals
- Credit Card Documents Required for NRI (Non-Resident Indian)
- Credit Card Documents Required for Students
- Credit Card Documents Required for Travel or Forex
Feel free to jump to your desired section.
Related read: What are the advantages and disadvantages of a credit card?
Types of documents required to apply for credit card
Following is the basic set of documents required for a credit card:
| Proof of Identity (Any one of the following) | PAN Card
Aadhaar Card Driving license Passport Voter ID Ration card Arms license Any other legally acceptable identification document signed by a gazetted officer
|
| Address Proof (Any one of the following) | Passport
Aadhaar card
Voter ID
Ration card
Driving license
Lease/Rent agreement
Property documents
Utility bills of previous three months |
| Proof of Income (Any one of the following) | Pay slips for the previous 3 months
Bank statement for the previous 3 months Form 16 issued by your employer Latest Income Tax Return (ITR) along with the computation of income Certified financial documents of the business (in case of self-employed applicants) |
Credit Card Documents for Resident Salaried Individuals
Produce a copy of the following documents to apply for a credit card as a salaried individual:
| Identity Proof (Any one of the following) | Aadhaar Card
PAN Card Driving License Voter ID Passport |
| Proof of Address (Any one of the following) | Ration Card
Aadhaar Card Electricity Bill Telephone Bill Last 2 months’ Bank Statement Voter ID Passport |
| Income Proof (Any one of the following) | Last 3 – 6 months’ Payslip
Form 16 Income Tax Returns |
| Age Proof (Any one of the following) | Birth Certificate
Passport 10th Marksheet Voter ID |
| Other documents | PAN Card
Form 60 |
Furnish the above-mentioned documents to get your application to approve as quickly as possible!
Documents Required for Self-Employed/Business Individuals
| Identity Proof (Any one of the following) | Aadhaar Card
PAN Card Driving License Voter ID Passport |
| Proof of Address (Any one of the following) | Ration Card
Aadhaar Card Electricity Bill Telephone Bill Last 2 months’ Bank Statement Voter ID Passport |
| Income Proof (Any one of the following) | Income Tax Returns with computation of income
Proof of Business Continuity PAN Card |
| Age Proof (Any one of the following) | Birth Certificate
Passport 10th Marksheet Voter ID |
Documents Required for NRI (Non-Resident Indian) Credit Cards
| Identity Proof (Any one of the following) | Driving License
Passport |
| Mailing Address | For India:
Driving license Passport Original electricity bill Original telephone/postpaid mobile invoice Original bank account statement Voter ID Rental agreement Lease deed Title deeds of the property
For Overseas: Driving license Overseas bank statement Government-issued ID card Utility bill Credit card statements Lease agreement Rent receipt Company appointment letter Company ID card Passport |
Documents Required for Student Credit Card
Related read: How to Get Credit Card for Students?
| Identity Proof (Any one of the following) | Aadhaar Card
PAN Card Driving License Voter ID Passport |
| Proof of Address (Any one of the following) | Ration Card
Aadhaar Card Electricity Bill Telephone Bill Last 2 months’ bank statement Voter ID Passport |
| Enrollment Proof | College/University Identity Card
Admission Slip or Study Certificate from the institution |
| Age Proof (Any one of the following) | Birth Certificate
Passport 10th Marksheet Voter ID |
Documents Required for Travel or Forex Credit Cards
| For Salaried/Self-Employed | Passport
Visa PAN Card Form A2 Travel Tickets |
| For Student Travellers | Form A2
Passport Passport size photograph Admission letter or University Identity Card |
If you wish to apply for a credit card with minimal documentation and a high annual credit limit, the Airtel Axis Bank Credit Card is the one you should opt for. With multiple cashback offers on bills, dining, and utility payments, the Airtel Axis Credit Card offers users a credit limit of up to Rs. 5 Lacs. Keep your documents ready and head to the website or the Airtel Thanks app to start your application today!
Also read: Best Credit Cards for Beginners in India
