To qualify for a credit card, applicants must meet specific eligibility criteria and submit standard documents. Review the requirements below before starting your application.

Eligibility Criteria:

• Must be a resident of India
• Credit card eligibility age: Minimum 18 years, maximum 70 years
• A consistent source of income is required
• Acceptable for both salaried and self-employed individuals
• Maintain a good credit score for credit card approval
• Low existing debt improves application success

Documents Required:

• PAN card or Form 60
• Proof of Identity (such as Aadhaar, Passport, or Voter ID)
• Proof of Address (utility bill, rent agreement, etc.)
• Proof of Income: Latest salary slip, Form 16, or ITR—important for verifying credit card eligibility salary
• One recent passport-size colour photograph

Meeting these conditions ensures your credit card eligibility can be assessed without delays. Always provide accurate and up-to-date documentation for a smooth verification process.

Your credit card approval depends on several important factors. Below are the key elements that impact your eligibility:

• Credit Score: A higher credit score for a credit card increases your chances of approval. A poor score may lead to rejection or higher interest rates.
• Credit Utilisation Ratio (CUR): Keep your CUR low. A high CUR suggests risk, lowering your approval chances.
• Credit Enquiries: Too many recent credit inquiries can signal financial instability, affecting your eligibility.
• Income: Ensure your income meets the minimum income for credit card requirements. A higher income boosts approval chances and potential credit limits.
• Employment Status: Stable employment or business operations improve your chances. Lenders prefer applicants with a reliable income stream.
• Location: Credit card eligibility may vary based on location, with certain areas having different requirements or restrictions.

These are essential credit card eligibility criteria that determine your application outcome.

When applying for a credit card, ensure you have the following documents ready for submission:

• PAN Card or Form 60 for identity verification
• Proof of Identity (e.g., Aadhaar, Passport, Voter ID)
• Proof of Address (e.g., utility bill, rental agreement)—required as address proof for credit card
• Income Proof (e.g., salary slip, Form 16)—this serves as your income proof for credit card
• Income Tax Return (ITR) for the last 2-3 years—required as your ITR for credit card
• Bank Statement from the last 3-6 months—necessary as bank statement for credit card
• Passport-size photograph (recent)

Ensure all credit card documents are valid and clearly visible to avoid delays in your application process.

Credit cards offer several valuable features and perks. Some of the key credit card benefits include:

• Cashback: Earn instant cashback credit card rewards on various purchases like bills, shopping, and more.
• Lounge Access: Enjoy complimentary access to airport lounges, enhancing travel convenience.
• Fuel Waiver: Get a fuel surcharge waiver on fuel purchases, helping save on fuel costs.
• Rewards Program: Earn points for every purchase, redeemable for discounts, products, or services.
• EMI Facility: Convert large purchases into easy monthly installments for better manageability.
• Shopping Discounts: Access exclusive discounts at partner stores and online platforms.
• Extended Warranty: Receive an extended warranty on purchases made using the credit card.
• Insurance Coverage: Some credit cards provide free insurance coverage for travel, shopping, and more.

Follow these simple steps to apply for a credit card online using the Airtel Thanks app:

1. Download the Airtel Thanks App
   • Install the app from the Google Play Store or Apple App Store.
2. Open the Airtel Thanks App
   • Launch the app and go to the Shop section.
3. Select Airtel Finance
   • Tap on Airtel Finance to proceed with your application.
4. Click on "Apply Now"
   • Apply for your credit card now.
5. Fill in the Application Form
   • Complete the form with your personal and financial details.
6. Complete Digital KYC
   • Verify your identity using the app’s digital KYC process.
7. Submit Your Application
   • Review your details and submit your application.

Once submitted, your application will be processed, and your credit card will be delivered within 5-7 business days.