What Documents Do I Need to Apply for a Credit Card?

In times of financial crisis, credit cards are the person’s last line of credit. However, some people use credit cards to take advantage of discounts, cashback, reward points, and other special offers. However, banks only issue credit cards to people who present all necessary documentation. Thus, you must review the documents required to apply for a credit card if this is your first time doing so. The bank won’t issue you a credit card unless you meet the documentation requirements.

Apply for a Credit Card

Documentation Needed to Apply for a Credit Card

You can review the list of paperwork that the bank needs to issue a credit card to a new customer. The most reputed banks, including SBI, HDFC, ICICI, and many others, frequently request a common list of documents. Before applying for any credit card you must review the list of required documents because some credit cards call for special paperwork depending on the needs of the bank. Everybody has a different set of documents they need to apply for a credit card.

Salaried individuals have a different list of documents than those who are self-employed. Therefore, you must review all of the documents the bank requires.

Documents Required for Salaried Individuals

Identity Proof Documents PAN Card, Aadhar Card, Passport, Driving License, Voter ID Card (Any one document)
Income Proof Documents Latest Salary Slips, Income Tax Return document, Form 16 (Any one document)
Address Proof Documents Electricity Bill, Telephone Bill, Driving License, Passport, Ration Card, Voter ID Card, Last 2 month Bank Statement. (Any one document)
Age Proof Documents Birth Certificate, Voter ID Card, Passport, Pass Certificate of 10th Standard. (Any one document)

Documents Required for Professionals and Self-Employed

Identity Proof Documents PAN Card, Aadhar Card, Passport, Driving License, Voter ID Card (Any one document)
Income Proof Documents Audited Financial Documents, Income Tax documents with Computed Income, Business Continuity Proof, PAN Card (Any one document)
Address Proof Documents Electricity Bill, Telephone Bill, Driving License, Passport, Ration Card, Voter ID Card, Last 2 month Bank Statement. (Any one document)
Age Proof Documents Birth Certificate, Voter ID Card, Passport, Pass Certificate of 10th Standard. (Any one document)

Documents required for Students

Identity Proof Documents PAN Card, Aadhar Card, Passport, Driving License, Voter ID Card (Any one document)
Enrollment Proof College Identity Card, Admission Slip, and Certificate from the university or College. (Any one document)
Address Proof Documents Telephone Bill, Driving License, Passport, Ration Card, Voter ID card. (Any one document)
Age Proof Documents Birth Certificate, Voter ID Card, Passport, Pass Certificate of 10th Standard. (Any one document)

Documents required for Travel and Forex Credit Cards

Salaried and Self-Employed Passport, Travel Ticket, Visa, Form A2, and PAN Card (All of them)
Students Passport Size photograph, Passport Form A2, University ID Card or Admission letter or Appointment Letter.

NRI’s required Documents for a Credit Card

Identity Proof Documents Driving License or Passport.
Address Proof in India Telephone Bill, Post-Paid Mobile Bills, Electricity Bills, Passport, Driving License, Lease Deed, Rental Agreement, Voter ID Card, Bank account statement, and Title Deeds of property. (Any one document)
Address Proof Outside India Company’s Appointment Letter, Company’s ID Card, Passport Driving License, Credit Card Statement if any, Utility bills, Rent Receipt, Overseas Statement of the bank, Government Issued ID Card. (Any one document)

Conclusion

If you’re applying for a credit card, the bank will request all of the following documents. However, depending on the terms and conditions of the credit cards, the banks might require some additional paperwork from you. But if you have the above-mentioned documents, then you are prepared to accept the card. To avoid having your credit card application rejected by the bank, be sure to provide documentation of your income with the credit card’s eligibility.

Also Read:- Best Reward Credit Cards in India

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