Credit Card Documents Required

A credit card is popularly known as plastic money and it is one of the best alternatives to cash. To apply for credit card, you will require some documents so that card provider can verify your creditworthiness and eligibility.


Credit Cards Documents Required for Indian Residents

Proof of IdentityAddress proofIncome proof
PAN card, Aadhaar card, Passport, Arms License, Voters ID Card, Driving LicenseVoters ID card, Passport, Aadhaar card,  Ration Card, Lease or rent agreement, property documents, driving licenseSalary slip of the last 3 months, the bank statement of the last 6 months
Ration Card, Fighters ID Card, photo ID proof should have the signature of a Gazette Officer and it must be accepted in the country legally.Your utility bills should not be older than 3 months. You can submit any other kind of address proof that is acceptable in the country.You have to fill up Form-16 and submit ITR details to the bank.

Credit Cards Documents Required for Non Face-to-Face NRI Applicants

The documentation criterion is the same for non-face-to-face NRI applicants and for those NRI applicants, who met in person with the bank's representatives. However, the only difference is that you may have to offer an additional document if the Indian Embassy has not attested your non-English language declaration. If this has happened to you, you have to attest this document and then offer one more document from the list of documents given below:

  • A cheque that you have drawn for a bank account abroad.
  • An originally paid cheque that is drawn in a bank abroad and you must submit the cheque in a cancelled form.
  • You must submit the bank statement of only 3 months old.
  • The photocopy of your driving license.
  • The original statement of your credit card and it should be less than 3 months old.
  • The photocopy of your rent agreement.
  • You have to provide the photocopy of a letter that you received from University abroad.
  • You have to submit your driving license's photocopy.
  • You should offer the appointment letter that was issued by your overseas employer.

Factors Affecting Credit Card Eligibility

  • Importance of credit card report: If the representatives of a bank have found out that if you defaulted any of your loans, you would not be eligible to get a credit card. The delinquency present in your credit card report implies your inability to handle money.
  • The ratio existing between income and debt: The controlled debt ratio would improve the applicant's chances to get approval on a credit card because it implies a person has sufficient resources to make payment of the dues.
  • CIBIL score: The applicant's CIBIL score would be evaluated to know if a person can be eligible to get a credit card or not. If an applicant is too young and does not have any credit history, it can be difficult to know if this person is an accountable borrower or not. If your CIBIL score is low, it can lower your chances of getting a credit card.
  • The presence of multiple applications: If an applicant is applying for more than one credit card or he or she has numerous enquiries for a credit card, he may not get RBL credit card.
  • Income: You have to meet the eligibility criteria in case of income that are set on distinct credit cards of a wide range of banks. The minimum salary required to avail for a credit card vary from one bank to another.

Credit Cards Documents Required for NRI Customers

If you are an NRI customer and you can meet personally with the bank's representative to avail for a credit card, you have to submit the following documents:

  • You have to provide your mailing or overseas address to prove your address.
  • You should submit non-English language declaration if the document is present in a foreign language. This document has to be self-attested by an NRI customer and the Regional Manager have to countersign on it so this document can be considered as verified.

The requirements in case of Indian mailing address

If your mailing address is in India, you have to provide one of the proofs given as follows:

  • Photocopy of the applicants passport.
  • Photocopy of the applicant's driving license.
  • You have to submit the original postpaid mobile bill.
  • You must submit the original electricity bill and it should not exceed beyond 2 months before opening your account.
  • You should submit the original telephone bill of either public or private operators of the last two months.
  • You have to submit the details of your bank statement for the last 3 months.
  • Photocopy of your Voters ID card.
  • The photocopy of your rent agreement or lease deed should be duly stamped.
  • You should submit the 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, 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.

The requirements in case of overseas mailing address

If you an overseas mailing address, you have to submit the following documents in the bank:

  • Driving license
  • The overseas bank statement should be provided to the bank and it must not be above 3 months old.
  • Utility bill of the last 3 months.
  • The ID card issued by Government.
  • You have to submit either the lease agreement or rent receipt of the last 3 months.
  • Your credit card statement for the last 3 months.
  • Passport
  • A company ID card with address
  • You have to provide your appointment letter to the bank.


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Credit Card Documents Required FAQs

Are documents needed to be submitted?


Yes, you have to submit documents in 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 would 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.

What should an NRI do if he or she does not have the passport during the time of document verification?


If an NRI cannot provide his passport to the bank for some problems, he can provide his appointment letter, driving license and many others to the bank for the document verification. 

What is FATF?


The full form of FATF is the Financial Action Task Force. If an NRI applicant is belonging to a FATF country, he can attest all his documents from an overseas banker, who is licensed for operating 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 for the original documents of an NRI too. 

What documents should I submit as an age proof?


The documents that you need to submit to prove your age incorporate the mark sheet of class X, voter's ID card, birth certificate, and passport.

Can I increase the credit limit on my credit card later on?


Yes, you can increase the credit limit of your credit card. At 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, dues on the credit card of the cardholder would be also evaluated in this matter.

What kind of dining benefits can my credit card offer?


You can get discounts on your dining bills, beneficial cash back 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 the 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.

How many supplementary cards I can have and what charges are involved in it?


It depends on your credit card issuer that how much 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.