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How to Apply for Credit Cards in India

To Apply for a Credit cards in India, Contact Any of the Banks in India (Most of them offer Credit Cards) and ask for more details.

Most of the Banks ask for these 4 things as a Proof

  1. Passport/Pan Card/Driving License/Voter ID Card (You must have one of them as Identity Proof)
  2. Telephone Bill/Electricity Bill/Ration Card (or something similar which can be taken as Address Proof)
  3. Income Proof (Last Income Tax Return or Last 2 months Pay Slips). If you are have no income(i.e. you are not a salaried or business person), than you can look for Fixed Deposit Plans where you have to open a fixed deposit account.
  4. Photograph You will need to give 2 photographs of yourself that will be attached onto the credit card application form. If you wish to apply for an additional credit for a member of your family then photograph of that person will also be needed.

For Salaried Person (salary slip+ form 16) and for self employed 2 years IT returns + PAN card is mandatory now.

Most of the Banks Also ask for your Past 6 months Bank Statement(it can vary) to check your financial history too.

Credit Cards from Indian Banks

  1. American Express Credit Card India
  2. HSBC India Credit Card
  3. State Bank of India Credit Card
  4. UTI Bank Credit Card