Credit Card Documents

To apply for a credit card, applicants must present identity proof, address proof, income proof, and age proof. Depending on the applicant type—salaried, self-employed, student, or NRI—the documents may vary. For instance, students need enrollment documents, while NRIs require both Indian and overseas address proofs. Ensuring the correct set of papers avoids delays and helps process applications quickly.

Valid identity proofs include Aadhaar card, PAN card, driving license, voter ID, and passport. For non-resident Indians (NRIs), a passport or driving license is sufficient. These documents confirm your personal details and are mandatory for every applicant profile. They serve as the foundation of your credit card application and ensure the bank can authenticate your identity before moving forward with approval.

Address proof options include electricity bills, telephone bills, ration card, passport, voter ID, driving license, rental agreements, lease deeds, title deeds of property, and bank statements from the last two months. For NRIs, both Indian and overseas address proofs are required. Each ensures your residential details are correctly verified, matching the information provided in the application form to avoid rejection.

Yes, a PAN card is usually mandatory when applying for a credit card, and a photocopy is often requested. It allows banks to track financial transactions and assess your credit eligibility. However, if you don’t have a PAN card, you can provide Form 60 as an alternative. This ensures your application can still move forward without disruption or unnecessary delays.

Yes. Income proof is important for most applicants to show repayment ability. Salaried individuals can provide payslips or Form 16, while self-employed professionals may need income tax returns, certified financial documents, or proof of business continuity. In some cases, bank statements may also be acceptable. Providing income details ensures the bank can assess your credit limit fairly and responsibly.

Yes. Salaried applicants usually need to submit salary slips, Form 16, or bank statements to confirm regular income. Self-employed applicants must provide income tax returns, certified financial documents, and proof of business continuity, alongside standard ID and address proofs. This differentiation ensures that both categories are evaluated fairly, reflecting their financial background, so the bank can accurately determine credit card eligibility.

Yes. Aadhaar card is a versatile document and can serve as both identity proof and address proof during the application process. Applicants often find this convenient because it reduces the need for multiple submissions. However, depending on the applicant’s profile, additional supporting documents may still be requested to confirm eligibility and complete verification. It remains one of the most widely accepted options.

Airtel’s credit card application supports digital KYC, making e-KYC sufficient in most cases. You can upload scanned copies or provide digital versions of documents, eliminating the need for physical submissions. This ensures a faster process with minimal paperwork. Unless specifically asked by the bank, physical copies are not required, making the overall application smooth, secure, and convenient for every applicant.

No, even existing bank customers must submit the required set of documents when applying for a credit card. This includes ID proof, address proof, age proof, and income proof. The requirement ensures that the latest and most accurate information is available. Every new card application must meet updated KYC standards, regardless of whether you already have a relationship with the bank.

For your first credit card, you must provide identity proof, address proof, age proof, and income proof. If you are a student applying for a card, enrollment documents such as a college ID, admission proof, or university certificate may also be required. These papers ensure that your eligibility is confirmed before you gain access to your first line of credit.

Joint credit card applications are not commonly offered in India. Instead, banks provide the option of add-on cards for family members, which are linked to the primary cardholder’s account. These add-on cards allow secondary users to enjoy the benefits of credit without requiring a separate application. The primary cardholder remains responsible for repayment and overall account management for such cards.

Since joint credit cards are generally not available in India, the equivalent option is an add-on card. For this, the primary cardholder’s documents are verified, and the add-on applicant may need to provide basic ID proof and age proof. Address documents are sometimes requested, depending on the bank’s process. Income proof is not required for add-on applicants under this arrangement.

In joint applications, not applicable as such, but in the case of add-on cards, both parties may provide documents. The primary cardholder must submit the full set of KYC papers, including identity and address proof. The add-on applicant generally needs only minimal documents like ID and age proof. This ensures compliance while keeping the process simple for secondary cardholders.

No. Since banks do not usually issue joint credit cards, this question applies to add-on cards. In this case, only the primary cardholder needs to provide income documents like salary slips or tax returns. The add-on cardholder does not need to provide income proof, as their credit usage is tied to the limit of the primary applicant’s account.

Yes. Add-on cardholders are not required to submit income proof when applying. Their spending limit is tied directly to the primary cardholder’s approved credit line. As a result, only the primary applicant’s income documents are necessary. The add-on cardholder typically needs to submit just identity and age proof, making their application much simpler compared to the primary account holder.

Mostly, yes. For add-on cards, banks rely on the KYC documents of the primary cardholder. However, the add-on applicant still needs to provide ID proof and age proof separately. This helps confirm eligibility and ensures compliance with regulations. The overall paperwork is far less than a new application since income verification and full address proof are not usually required.

The minimum age requirement for an add-on card applicant is 18 years. To apply, the individual must submit valid age proof, such as a passport, birth certificate, voter ID, or Class 10 certificate, along with basic ID proof. This ensures that the add-on cardholder is legally eligible to use a credit line and is accountable for transactions made.