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Credit Card Documents Required

Apply for Credit Card

There has been a huge increase in the demand for credit cards in recent years. Almost every bank and other financial institution has a variety of credit card offers to cater to different needs and requirements. However, to get these credit cards, you will be required to submit certain documents, as required by the card provider. The document requirement for a credit card varies from one provider to another. Here we have enlisted some common documents required to apply for a credit card.

  • Documents Required to Apply for a Credit Card

Documents Required to Apply for a Credit Card

To apply for a credit card, the applicant must submit a photocopy of the documents mentioned below. The lender may also ask for original documents for verification.

Documents Required for Salaried Indian Residents

Identity ProofAddress ProofIncome Proof
PAN Card, Aadhaar Card, Passport, Arms License, Ration Card, Voter’s ID Card, Freedom Fighter’s ID Card, Driving License or any other legally accepted photo identity proof signed by a Gazetted OfficerVoter’s ID Card, Passport, Aadhaar Card, Utility Bills (not older than 3 months), Ration Card, Lease or Rental Agreement, Driving License, Property Documents or any other legally accepted address proofSalary Slip of last 3 months, Form-16, ITR, Bank Statement of last 6 months, etc.

Documents Required for Self-Employed Indian Residents

Identity ProofAddress ProofIncome Proof
PAN Card, Aadhaar Card, Passport, Arms License, Ration Card, Voter’s ID Card, Freedom Fighter’s ID Card, Driving License or any other legally accepted photo identity proof signed by a Gazetted OfficerVoter’s ID Card, Passport, Aadhaar Card, Utility Bills (not older than 3 months), Ration Card, Lease or Rental Agreement, Driving License, Property Documents or any other legally accepted address proofSalary Slip of last 3 months, Form-16, ITR, Bank Statement of last 6 months, Certified Financial Documents, Proof of Business Continuity, etc.

Documents Required for NRI Customers

If you NRI customer & can meet personally with the bank's representative for credit cardIf your mailing address is in IndiaIf you have an overseas mailing address
  • Mailing or overseas address proof
  • Non-English language declaration (if the document is present in a foreign language). It has to be self-attested by the customer & countersigned by the Regional Manager
  • Passport’s photocopy
  • Photocopy of the applicant's driving license
  • Original postpaid mobile bill
  • Original electricity bill, not exceeding 2 months before opening your account
  • Original telephone bill of public or private operators for the last 2 months
  • Details of the bank statement for the last 3 months
  • Photocopy of Voter’s ID card
  • The photocopy of your rental agreement or lease deed should be duly stamped.
  • You should submit a photocopy of the title deeds of your property and it should be stamped, and registered.
  • You must submit the letter's photocopy that you got from society. In this letter, your full name, address, and registration number of the society should be present. In addition, the full name, address, and designation of the signatories (President, Secretary) must be there in this letter.
  • You should submit the bill of monthly outgoings from the registered housing society.
  • Driving license
  • The overseas bank statement, not above 3 months old
  • Utility bill of the last 3 months
  • The ID card issued by Government
  • Lease agreement or rent receipt of the last 3 months
  • Credit card statements for the last 3 months
  • Passport
  • A company ID card with address
  • Appointment letter

Documents Required for Students

Identity ProofAddress ProofAge ProofEnrollment Proof
PAN Card, Passport, Aadhaar Card, Driving License, Voter’s ID Card (any one)Passport, Ration Card, Driving License, Utility Bills (not older than 3 months), Voter’s ID Card (any one)Passport, 10th Standard School Certificate, Birth Certificate, Voter ID Card (any one)Admission Slip, College ID Card, Study Certificate from the respective college/university (any one)

FAQs

Yes, you have to submit documents to the bank to get your credit card. You have to provide your documents to prove your identity, residential address, and income. If you cannot submit all these vital documents to a bank, you will not get approval for a credit card. In addition, these documents are significant to verify if a person can pay the monthly bills of a credit card or not.

If NRI applicants cannot provide their passports to the bank for some problems, they can provide their appointment letter, driving license, and many others to the bank for document verification.

The full form of FATF is the Financial Action Task Force. If an NRI applicant belongs to a FATF country, they can attest all their documents from an overseas banker, who is licensed to operate in that nation. However, in a non-FATF country, every document of the customer has to be attested by an Indian Consulate or a foreign notary. This rule is applicable to the original documents of an NRI too.

The documents that you need to submit to prove your age incorporate the 10th standard school certificate/mark sheet, voter's ID card, birth certificate, or passport.

Yes, you can increase the credit limit of your credit card. First, you have to place your request to the credit card issuer about a hike in your card's credit limit. You must submit additional documents including income proof to the issuer to complete the procedure. The representatives of the bank would decide if they want to increase the credit limit on your credit card or not. They would evaluate your documents. In addition, the cardholder's credit card rules, old history of repaying loans, and dues on the credit card of the cardholder would be also evaluated in this matter.

You can get discounts on your dining bills, beneficial cashback offers, reward points on paying bills in the restaurant. You can get frequent discount offers on your dining bills from those restaurants, which have a tie-up business with a bank, which issued you a credit card. In the previous years, the premium credit cards only provided dining benefits, however, at present, standard cards also offer such benefits to the customers.

It depends on your credit card issuer how many supplementary credit cards you can own. However, an applicant is able to apply for approximately three supplementary cards for their family members, such as children, parents, siblings, and spouse.