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.
|Proof of Identity||Address proof||Income proof|
|PAN card, Aadhaar card, Passport, Arms License, Voters ID Card, Driving License||Voters ID card, Passport, Aadhaar card, Ration Card, Lease or rent agreement, property documents, driving license||Salary 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.|
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:
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:
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:
The requirements in case of overseas mailing address
If you an overseas mailing address, you have to submit the following documents in the bank:
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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.
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.
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.
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.
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.
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.
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.