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Documents Required for Credit Card

Credit Card Documents

Last Updated 18th Jun 2021

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.
  • 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.

Documents for Credit Card

Credit cards have become an indispensable part of modern life with their plethora of benefits. Today credit cards offered by leading credit card issuers not only offer convenience and credit but many other lucrative cash back and discounts. However, before applying for a credit card, it is important to know the eligibility criteria and documents that your credit card issuer may require to submit your credit card application.

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. The list of documents required for a credit card is similar across various banks and issuers. However, the list of documents differs from the occupation of the applicant.

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

KYC Documents needed for Credit Card

Salaried Self Employed
Duly Filled Signed Application Form
Identity Proof- Copy of PAN Card, Aadhaar Card, 2 Latest Photographs
Current Residence Address Proof

Income Documents Required for Applying for Credit Card

Salaried Self Employed
Last 3 months salary slip
Current Assessment Year ITR
Latest 3 months bank statement

Document Required for Existing Credit Card Holder

Salaried Self Employed
PAN card copy, Aadhaar Card & 2 photographs
Current residence address proof
Front copy of existing credit card and latest statement of credit card
Pencil impression of existing credit card

FAQs

How do I know if I qualify for a credit card?

While, every bank and non-banking institutions have specific eligibility criteria related to profession, age and income. You must check these eligibility criteria by enquiring through their official website or through offline modes by visiting the bank or calling them to know if you qualify for a credit card.

Is it necessary to submit documents?

Yes, financial institutions ask for documents for identity and address proof 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 such as Electricity bill, Utility 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 an 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.


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  • 2021-06-14 : IDFC First Bank’s helping hand for the covid-affected families of employees
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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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