IDBI Credit Card Online Application Eligibility

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IDBI Credit Card Online

To apply for an IDBI Bank credit card online, you must meet the following eligibility criteria:

1. Age Requirements

  • Minimum Age: 21 years (may vary by card type).
  • Maximum Age: 60–65 years (retirees may need to show stable income).

2. Income Criteria

  • Salaried Individuals:
    • Minimum annual income: ₹2.4–₹3 lakh (basic cards).
    • Higher-tier cards (e.g., Platinum/Signature): ₹6–₹10 lakh+ annually.
  • Self-Employed/Professionals:
    • Annual income: ₹4–₹6 lakh+ (varies by card).
    • Business continuity proof (2–3 years).

3. Employment Status

  • Salaried: Stable employment with at least 1 year of experience.
  • Self-Employed: Business operational for 2+ years.

4. Residency

  • Must be an Indian resident. NRIs may need to apply via separate channels.

5. Credit Score

  • CIBIL Score: 750+ (indicating good credit history with no defaults).

6. Documentation

  • Identity/Address Proof: PAN, Aadhaar, Passport, or Voter ID.
  • Income Proof:
    • Salaried: Recent salary slips + 3–6 months’ bank statements.
    • Self-Employed: ITR (last 2–3 years) + business proof.

7. Additional Factors

  • Existing IDBI Customers: Pre-approved offers may apply.
  • Debt-to-Income Ratio: Lower existing debt improves approval chances.

How to Check Eligibility

  • Visit the IDBI Bank credit card section online.
  • Use tools like the Eligibility Checker (if available) or contact customer care.

Application Process Overview

  1. Visit IDBI Bank’s official website.
  2. Select your preferred credit card.
  3. Fill in personal, employment, and income details.
  4. Upload documents.
  5. Submit for verification.

Note: Criteria may vary by card type (e.g., Classic, Platinum, co-branded cards). Always confirm details via IDBI’s official channels before applying.

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