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Updated: 13-11-2025 06:58:18 AM

With the increase in the demand for credit cards, all banks and financial institutions are offering credit cards with unique features and benefits. However, when you are applying for a credit card, you are required to submit a set of documents for verification purposes. The documents, as well as the eligibility requirements to apply for a credit card, would vary from bank to bank and from card to card. Here we have listed down some common documents that are required to be submitted.

Documents Required to apply for a Credit Card-

Documents Required to apply for a Credit Card

It is to be noted that the photocopy of the below-mentioned documents is required to be submitted. However, the bank may ask for original documents for verification. Any 1 out of each category of documents is required to be submitted.

Documents for Resident Salaried Individuals
Documents for Resident Self-employed Businessmen / Professionals
Documents Required For NRIs (Non-resident Indians)
Documents Required For Students
Documents Required To Apply For Travel Credit Cards Or Forex Cards
Frequently Asked Questions
Credit Card Eligibility Criteria for Different Banks

Documents for Resident Salaried Individuals

As mentioned above, PAN Card is a must for any loan or credit card application. Apart from that, proof of identity, address and income will be required. Following documents may be accepted by the banks and NBFCs.

Proof of Identity PAN Card, Aadhaar Card, Passport, Voter’s ID Card, Driving License, Ration Card, Arms License, Freedom Fighter’s ID Card or any other photo ID proof duly signed by a Gazetted Officer and legally accepted in the country
Proof of Address Passport, Aadhaar, Voter’s ID Card, Ration Card, Driving License, Lease/Rent Agreement, Property Documents, Utility Bills (not more than 3 months old), any other address proof legally accepted in the country
Proof of Income Salary Slip (last 3 months), Bank Statement (last 6 months), Form-16, ITR, etc.

The list above is only indicative. The bank or NBFC may ask for different documents from different customers.

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Documents for Resident Self-employed Businessmen / Professionals

Proof of Identity PAN Card, Aadhaar Card, Passport, Voter’s ID Card, Driving License, Ration Card, Arms License, Freedom Fighter’s ID Card or any other photo ID proof duly signed by a Gazetted Officer and legally accepted in the country
Proof of Address Passport, Aadhaar, Voter’s ID Card, Ration Card, Driving License, Lease/Rent Agreement, Property Documents, Utility Bills (not more than 3 months old), any other address proof legally accepted in the country
Proof of Income Salary Slip (last 3 months), Bank Statement (last 6 months), Form-16, ITR, Certified financial documents, Proof of business continuity

The list above is only indicative. The bank or NBFC may ask for different documents from different customers.

Suggested Read: Should You Apply for a Pre-approved Credit Card?

Documents Required For NRIs (Non-resident Indians)

Proof of Identity Passport, Driving License
Proof of Address (For Mailing Address In India) Passport, Voter’s ID Card, Driving License, Lease/Rent Agreement, Utility Bills (not more than 3 months old), Original bank account statement, Title deeds of property
Proof of Income (For Mailing Address Overseas) Passport, Driving License, Lease/Rent Agreement, Utility Bills (not more than 3 months old), Overseas bank statement, Government-issued ID card, credit card statements, Company appointment letter, Company ID Card

Documents Required For Students

Proof of Identity PAN Card, Aadhaar Card, Passport, Voter’s ID Card, Driving License
Proof of Address  Passport, Voter’s ID Card, Ration Card, Driving License, Utility Bills (not more than 3 months old)
Proof of Age 10th standard school certificate, Birth certificate, Passport, Voter ID card
Proof of Enrollment College ID Card, Admission Slip, Study certificate from the respective college or university

Documents Required To Apply For Travel Credit Cards Or Forex Cards

For Salaried / Self-employed Travellers PAN Card, Passport, Visa, Travel Ticket, Form A2
For Student Travellers Passport, Form A2, Appointment letter or admission letter or University ID Card, Passport size photograph

These are some of the common documents required by the majority of credit card issuing companies. However the bank may ask for additional documents as per the card variant chosen and applicable terms and conditions.

Frequently Asked Questions

What to do if an NRI does not have his/her passport with them at the time of document verification?

If NRI customers for any reason cannot submit their passport then they can submit their driving license, appointment letter, and so on.

Which documents are acceptable to establish age proof?

Birth certificate, Passport, Voter ID card, and class X mark sheet all are accepted. Customer can submit anyone with the bank.

What is FATF?

FATF stands for Financial Action Task Force. If the NRI customer is in a FATF country then they can attest their documents from an Overseas banker licensed to operate in that country. This is the added benefit that customers in FATF country get. In Non-FATF affiliated country, all the customer’s documents (even originals) need to be attested by a Foreign Notary or Indian Consulate.

Is it necessary to submit documents?

Yes, these documents are there to establish proof of identity, income and residential address. Bank’s will not conduct with business with people who fail to verify their details by submitting the necessary documents.

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