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Credit Card Eligibility - Airtel Finance

Users need to meet certain eligibility criteria like age limit, credit score, residency status, and others to enjoy numerous benefits of the Credit Card. You can check yours now and start your application today to get a credit limit of ₹5 lakhs approved for your Credit Card!

Credit Card Eligibility

Fulfill these eligibility criteria to get the Credit Card!

Resident status

The credit card applicant must be an Indian resident or a non-resident Indian.

Age Limit

Age of the primary cardholder should range between 18 and 70 years.

Documents Required

PAN card or Form 60, Residential, Identity, and Income proof, Colour Photograph

Benefits of Credit Card

Experience a privileged lifestyle with the credit card

25% off on bills & recharges

Paid via Airtel App

10% off on delivery

Zomato, bigbasket, Swiggy

10% cashback offers

Utility bills via Airtel App

Extra 1% cashback

On all other spends

Airport lounge

4 lounge access/year

Fuel waiver

1% fuel surcharge waiver

How to check eligibility for a Credit Card?

The Credit Card has set eligibility criteria for applicants. If you fulfil those parameters, you can also enjoy unlimited cashback, rewards, and more. An Indian resident aged between 18 to 70 is eligible for this super-saver credit card! This credit card in your pocket makes it easier for all kinds of purchases and shopping needs.

Steps to Apply for Credit Card

Big savings and cashback offers, now with Credit Card

Get Airtel App

Download the app and go to Shop section

Click on Airtel Finance

You will see the Credit Card button

Click on Apply Now

Now fill up the complete application form

Complete digital KYC

The card will be delivered to you within 5-7 business days.

 FAQs on Credit Card Eligibility

1. What is credit card eligibility?

Every line of credit or loan requires the lender to check the applicant’s creditworthiness. The applicant has to meet certain criteria to get their credit card application accepted. These parameters constitute credit card eligibility.

2. What is the minimum credit score required to be eligible for a credit card?

Every credit card company has its own policy when it comes to the minimum credit score for a credit card. However, keeping your credit score above 680-700 is always good to get any credit card application approved.

3. Is income proof required for credit card issuance?

Yes, the applicants need to show the last 3 months of bank statements or salary slips for their credit card application.

4. Can I get a credit card if I don't have any credit history?

Yes, you can get a credit card without any credit history. The banks provide applicants to take a credit card against a fixed deposit or as an add-on card. Such cards are secured.

5. What is the minimum income requirement to be eligible for a credit card?

The minimum income requirement is different for every credit card. Talk to the credit card POC to know more about the requirement.

6. Can I get a credit card if I have bad credit?

It depends. A low credit score limits your options. However, banks offer credit cards to applicants with bad credit at high-interest rates. If you can’t get a traditional credit card due to bad credit score, apply for a secured one.

7. Can I get a credit card if I have a part-time job?

The simple answer is yes. As long as you meet the minimum income requirement coming from various sources into your bank account, your application will most likely be approved. The flow of income should be stable.

8. Can students get a credit card?

Yes, students can get a credit card if they meet the eligibility criteria set by the banks. Credit cards can be issued to a student in 3 different ways:
  • Against a fixed deposit
  • As an add-on card
  • Good savings account

9. How many credit cards can I have at once?

You can have as many credit cards as you want to.

10. Can I get a credit card if I am unemployed?

Yes, you can get a credit card if you are unemployed. As long as you have other sources of income like rental income, alimony, royalty, small business income, etc., you can show proof of the same during the application to get a credit card.

11. Can I get a credit card if I am retired?

Retired citizens can also get a credit card. They can show proof or other sources of income to get a credit card. A stable source of income, investments in fixed deposits, and a supplementary/add-on credit card can help retired citizens to get their credit cards approved.

12. Can I get a credit card if I am a freelancer or self-employed?

Freelancers or self-employed can easily get a credit card if they show proof of their business income with their application. The income flow should be stable and regular, in order to show the stability of their business for the long term.

13. Can I get a credit card if I have a low credit limit on my current card?

Yes, it is possible to get another credit card, even if you have a low credit limit on your existing card. However, this is quite subjective and may differ for different banks issuing credit card.

14. Can I get a credit card if I have a history of late payments on my credit report?

It depends on the credit card company’s policy. If you have a history of late payments on your credit report, you will either not get your application approved, or get a low limit on your credit card with high interest.

15. Can I get a credit card if I have a high debt-to-income ratio?

Probably not. A high debt-to-income ratio doesn’t give lenders the assurance that you will be able to pay your credit card bills on time. After all, traditional credit cards are unsecured loans.

16. What documents do I need to provide to apply for a credit card?

The following documents are required to apply for a credit card: Proof of Identity (Aadhaar, Passport, PAN card, and others) Address Proof (Ration card, Aadhaar, Driving License, Rental agreement, etc.)

Proof of income (salary slips, bank statements, etc.)

 

17. Can I still get a credit card if I have previously filed for bankruptcy?

You cannot apply for a credit card if your bankruptcy proceedings are still in progress. However, you can apply for the same after the bankruptcy is discharged. The process might take some time and can be complex.

18. Can I apply for a credit card if I am not a citizen of the country where the card is issued?

Yes, you can. Check with the credit card companies for more details about the same.

19.Are there any restrictions on eligibility for specific types of credit cards, such as rewards cards or business credit cards?

Credit card companies have a set of eligibility criteria for their cards. If you have a really good credit history, the company will offer you premium cards and a better limit.

20. Can I apply for a credit card if I already have one with the same issuer?

Yes, you can apply for a credit card with the same issuer. The pre-existing relationship with the issuer can help you negotiate a better interest rate and a credit limit.

21. What is the minimum age requirement to be eligible for a credit card?

The basic age requirement for a credit card (including a student credit card) is 18 years. However, traditional credit cards may have a different age requirement. Check with the credit card company to know the details.

22. Can I apply for a credit card online or do I need to visit a bank branch?

You can apply for almost all credit cards online. The application process for an Credit card is completely digital and paperless. For example, you can apply for the Airtel Axis Bank Credit Card online or from the Airtel Thanks app.

23. What is the residency requirement for getting a credit card?

An individual with a residential address of his/her own is likely to get credit card approval. A rented apartment with family (with relevant documents) can also work.

What is the Credit Card Eligibility?

To be eligible for a Credit Card, you need to be a resident of India and between the age of 18 and 70 to be the primary cardholder. Additionally, you will need to provide a copy of your PAN card or Form 60, proof of residence, identity proof, a colour photograph, and proof of income in the form of the latest pay slip/Form 16/IT return copy.

Factors affecting Credit card eligibility

Your eligibility for a credit card may depend on a number of criteria, including:

  • One of the most significant elements that banks consider when reviewing your application for a credit card is your credit score. Your chances of being accepted and receiving a better credit card offer increase with a higher credit score.
  • Your income has a big impact on whether you qualify for a credit card. Your likelihood of being approved for a credit card with a greater credit limit increases with a higher income.
  • Another aspect that influences your eligibility for a credit card is whether you are employed or self-employed. Your chances of being accepted may be improved by stable employment or business.
  • In order to qualify for a credit card, most banks require that the applicant be at least 18 years old.
  • Your current debt, such as credit card debt and loans, may have an impact on your credit score, which may then have an impact on your ability to obtain a credit card. This is the proportion between the balance on your credit card and the available credit. Your credit score may be severely impacted by a high credit use ratio, which will decrease your chances of getting approved.
  • Your eligibility for a credit card may be impacted by the length of your credit history. Banks favour candidates who have a long history of good credit.
  • Your capacity to make on-time payments is shown by your payment history. Your chances of getting a credit card can go up if you have a strong payment history.