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
- Visit IDBI Bank’s official website.
- Select your preferred credit card.
- Fill in personal, employment, and income details.
- Upload documents.
- 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.
