Credit card eligibility guides
Who can get a credit card, and which cards fit your income, job and credit history, from the banks’ own published conditions.
- Credit Card Eligibility Criteria in India: Age, Income, Score (2026) No RBI minimum age or income: banks set their own. Age floors start at 18 at Axis Bank, income above ₹12,000 a month on HDFC Freedom. Scores, KYC and rights.
- Credit Card With a Low CIBIL Score: What Banks Check, What Works (2026) Low CIBIL score? The RBI sets no minimum and SBI Card prefers 750 to 900. See which FD cards skip the score check, from a ₹10,000 FD, and how to rebuild.
- Credit Card With No Credit History: FD Cards and First Steps (2026) New to credit? FD-backed cards need no score: IDFC FIRST WOW! limit 100% of an FD from ₹20,000, Axis from ₹15,000, Kotak from ₹10,000. How NH reports work.
- Credit Cards for a Low Salary: Floors From ₹12,000 a Month (2026) Lowest published floors: HDFC Freedom above ₹12,000 a month, Axis ₹15,000, ICICI ₹20,000. Lifetime-free picks, and FD cards from ₹10,000 if you fall short.
- Credit Cards for the Self-Employed: ITR Floors, Proofs, FD Route (2026) Self-employed? HDFC Freedom needs an ITR above ₹2 lakh, ICICI Coral ₹2,40,000 a year, HSBC ₹12 lakh and age 25. The documents asked, and FD cards with no ITR.
- Documents Required for a Credit Card in India: KYC, Income, FD (2026) PAN or Form 60, one KYC document such as a passport or voter ID, and income proof like a payslip or ITR. See what 12 banks ask for, and when an FD replaces it.
- How to Apply for a Credit Card Online: Steps, Video KYC, Checks (2026) Apply on the bank's own site or app, read the Key Fact Statement, finish Video KYC and activate within 30 days. Routes at 13 issuers, and when it won't work.
Want suggestions for your own spending? Try the card finder, or go back to the credit cards hub.