Indian Bank offers the most rewarding credit cards for its customers. Read below to know about the eligibility criteria to apply for Indian Bank credit cards.
Indian Bank Credit Card Eligibility Criteria
Following eligibility criteria must be met to apply for Indian Bank Credit Cards:
- To avail a Gold and Classic Card, the applicant must be an Indian National or an NRI between the age group of 18 -80 years.
- To get a Bharat Card an applicant must be an Indian National falling in the age group of 25-60 years.
Check Indian Bank Credit Card Eligibility at Paisabazaar
Indian Bank is not a Paisabazaar partner. But you can check your eligibility for top credit cards and apply at Paisabazaar within minutes by following the below-mentioned steps:
Step 1- Click here to enter your mobile number (you will need to complete the OTP based mobile verification)
Step 2- Select your occupation (Salaried or Self-employed) and enter other required details
After this, you will be redirected to the page where you can find all the credit cards listed as per your eligibility. If you are not satisfied with the options available, or you do not find the desired credit card on the list, you can always contact Paisabazaar’s customer care service for further assistance.
Step 3 – To apply for a credit card from the list, click on the “Grab Now ” option on the right-hand side of the card. Now, you will need to fill in a few additional details such as your PAN Card number, parents’ names etc. to submit your application.
Note. Remember, if you have already registered with Pasiabazaar, certain information will be pre-filled in your application form.
Indian Bank Credit Cards Documents Required
The following documents are required in order to apply for an Indian Bank credit card:
| Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, etc. |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Ration Card, Property Registration Document, Bank Account Statement, etc. |
| Proof of Income | Latest one or 2 salary slips (not more than 3 months old), the Last 3 months’ bank statement, ITR, Form 16, etc. |
Note: The bank may ask for more documents as per its requirements.
Factors Affecting Indian Bank Credit Card Approval
Several factors may affect an applicant’s chances of getting their credit card application approved. Some of these factors have been mentioned below:
Credit Report – Having a good credit history and a high credit score is important to avail a Credit Card by the Indian Bank. A CIBIL score of 750 or above reflects financial stability and lets the bank know that the customer can be trusted to repay their credit card bills.
Existing Relationship with the Bank – If you have a salary account or deposits with the bank, it may become relatively easier for you to get your credit card application approved.
Location – There are some locations where banks do not offer their services; if an applicant is from any such location he/she may not be able to avail a credit card. It is therefore important to ensure that you are in a location where Indian Bank offers its services.
Frequently Asked Questions
Does a prior relationship with the bank help the user’s eligibility for a credit card?
Yes, applicants that have also maintained a prior relationship with the bank can easily get a credit card from the bank. Additionally, they will not have to submit their KYC documents again. Also, a prior relationship lets the bank know about the user’s financial behaviour.
How can one better their chances when applying for an Indian Bank credit card?
Applicants can try any one of the methods mentioned below:
- Do not apply for many credit cards at once
- Pay credit card bills on time
- Do not default on credit card bills
Who can apply for an Indian Bank credit card?
Indian citizens above 21 years of age having a stable income can apply for an Indian Bank credit card.
How many add-on credit cards can I get along with my Indian Bank Credit Card?
The bank offers up to 4 add on credit cards with the primary card.