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Documents Required for Credit Card

Documents for Credit Card

Last Updated 26th May 2022

Form Credit Card Application Form
Identity proof PAN Card, Aadhaar Card, Passport, Voter’s ID Card, Driving License, Ration Card.
Address proof Passport, Aadhaar, Voter’s ID Card, Ration Card, Driving License, Lease/Rent Agreement, Property Documents, Utility Bills.
Income proof Salary Slip (last 3 months), Bank Statement (last 3 months), ITR, etc.
  • The documentation for a credit card is minimal in case you are an existing customer of the bank and may vary for salaried and for self employed.
  • Instant approval on the credit card based on your income, employment and credit score.
  • Get Loan on credit card, if you have an excellent credit score and good repayment history.
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Documents for Credit Card

Credit Card documents play a crucial role in the process of availing a credit card.Even if you get online approval for a credit card, you will receive the final approval on your credit card application after you submit all documents required to the bank for further verification. It is thus essential to know the eligibility criteria and documents before applying for a credit card. The list of documents required for a credit card application is similar across various banks and issuers. However, it differs based on your occupation.

Documents Required for Credit Card Application

Here is the list of specific documents, for salaried, self-employed and students, that are required by most of the credit card issuers to process your card application.

Documents Required for Salaried Individuals to Apply Credit Card

  • Identity Proof: Aadhaar card, PAN card, Driving license, Voter ID card and Passport
  • Address Proof: Electricity bill/Telephone Bill, Passport, Ration card, Driving licence and Voter ID
  • Income Proof: Latest payslip, Form 16 and Income tax (IT) return
  • Age Proof: Birth certificate, Passport and Voter ID card
  • Other Documents: PAN card photocopy and Form 60

Documents Required For Resident Self-employed Businessmen / Professionals to Apply For Credit Card

  • Identity Proof :Aadhaar card, PAN card, Driving Licence, Voter ID card and Passport
  • Address Proof: Electricity bill/Telephone bill, Ration card, Passport, Driving licenceand Voter ID
  • Income Proof: Income tax returns with computation of income, Certified financial documents and Proof of business continuity, PAN card
  • Age Proof: Birth certificate, Passport and Voter ID card

Documents Required for Students to Apply for Credit Card

  • Identity Proof - Aadhaar card, PAN card, Driving license, Voter ID card and Passport
  • Address Proof -Ration card, Passport, Driving licence, Telephone bill, Voter ID
  • Age Proof- Tenth standard school certificate, Birth certificate- Passport, Voter ID card
  • Enrolment Proof- College identity card, Admission slip, Study certificate from the college or university

Documents Required For Non-resident Indians (NRIs) to Apply For Credit Card

  • Identity Proof: Passport, Driving License
  • Address Proofs: For Mailing Address In India driving license, passport, original electricity bill, original telephone/post-paid mobile invoice, original bank account statement, voter ID, rental agreement, lease deed and Title deeds of property
  • For Mailing Address In Overseas: Any one amongst driving license, overseas bank statement, government-issued ID card, utility bill, lease agreement, rent receipt, company appointment letter, company ID card passport

Top Credit Card Providers

Bank Name Interest Charge Per Month
ICICI Bank 1.99% to 3.50%
SBI 2.50% to 3.50%
HDFC Bank 1.99% to 3.60%
Axis Bank 2.50% to 3.40%
Citibank 2.50% to 3.25%


Is it necessary to submit documents for a credit card?

Yes, financial institutions ask for documents for identity, address and income proof from both existing and new credit card borrowers. These documents may vary as per your profession and credit score. You may be required to submit documents such as Copy of PAN Card, Aadhaar Card, 2 Latest Photographs, Residence Address Proof, Last three months salary slip, ITR etc. for applying for a credit card.

How can I get a credit card without proof of address?

It is mandatory to provide an address proof for availing a credit card. If you don't have a local address proof, you may submit the documents for a current permanent address. The documents such as utility bills like Electricity bill, water bill, gas bill; ration card; passport and Driving licence can be used as address proof.

Do credit cards require proof of income?

Yes, you need to submit documents for income proof for getting a credit card. If you are a self-employed professional, you will be required to submit the Latest 3 months bank statement along with the ITR of the current assessment year as income proof. On the other hand, salaried professionals need to provide the last 3 months salary slip and latest 3 months bank statement as proof of income.

How can I get a credit card without income proof?

Yes, you can get a credit card without income proof by taking a secured credit card against your investments such as fixed deposits. Also, you can take a credit card against the primary credit cardholder of your family member who has a good credit history.

What documents are needed for a credit card to apply online?

There are 3 primary documents required to apply for credit card online-identity proof, address proof and income proof. Some banks however, may ask you to submit additional documents, which vary from bank to bank depending upon your income and eligibility.

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*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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