To apply for an Indian Bank credit card online, you must meet the following general eligibility criteria. Note that specific requirements may vary based on the type of card (e.g., standard, premium):
Key Eligibility Criteria
- Age:
- Primary Applicant: Typically between 21–60 years (may extend to 65 for some cards).
- Add-on Applicants: Usually 18+ years.
- Income:
- Salaried Individuals: Minimum annual income varies (e.g., ₹2.4–6 lakhs+ depending on the card tier).
- Self-Employed/Professionals: Higher thresholds, often ₹4–8 lakhs+ annually.
- Proof required (e.g., salary slips, bank statements, ITR).
- Employment Status:
- Stable employment (1–2+ years in current job for salaried individuals).
- For self-employed, business stability (2–3+ years).
- Credit Score:
- CIBIL score ≥ 700–750 (no defaults or high outstanding debt).
- Residency:
- Indian residents (NRIs may apply with additional documentation like passport/visa).
- Existing Bank Customers:
- Pre-approved offers may be available for account holders, simplifying the process.
- Documentation:
- ID Proof: PAN (mandatory), Aadhaar, Passport, etc.
- Address Proof: Utility bills, Aadhaar, Rental agreement.
- Income Proof: Salary slips, bank statements, ITR (last 2–3 years for self-employed).
Additional Notes
- Online Process: Visit Indian Bank’s official website, navigate to credit cards, select a card, fill the form, upload documents, and submit.
- Approval Discretion: Meeting criteria doesn’t guarantee approval; the bank evaluates overall creditworthiness.
- Card-Specific Requirements: Premium cards (e.g., travel/rewards) may have higher income/age thresholds.
Recommendation
Check Indian Bank’s official website or contact customer care for precise details tailored to the card you’re interested in. Pre-approved offers (if available) may have streamlined eligibility checks.
