Oriental Bank of Commerce Credit Card Eligibility

Age – OBC provides credit card to only those individuals that have a source of income and hence individuals who are in the age bracket of 21 to 65 years only can apply.

Income – OBC credit cards can be availed by those individuals that are employed or have a regular source of income. The bank seeks last three months’ salary slips of the applicant or Income Tax Returns (ITRs) of the past year depending on the Employment type of applicant.

Employer – Customers who are new to credit can only apply for this credit card if they are employed at SBI Card approved company. However, if users have a favourable credit history then they can apply for OBC credit card as well.

Credit Score – Credit score makes it relatively easy for users to get a credit card. Banks typically don’t extend all their credit card to those customers who do not have a credit card. Furthermore, premium credit cards are not given to applicants who don’t have a credit history. Finally, it is advised that customers maintain a credit score above 750.

Please Note: Oriental Bank of Commerce is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only. 

The documents required to avail Oriental Bank of Commerce credit card are:

Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI, etc.
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, etc.
Proof of Income	Latest one or 2 salary slip (not more than 3 months old), Last 3 months’ bank statement, ITR, Form 16, etc.

Following factors affect applicant’s chances to avail an OBC credit card:

Income – Income determines the credit limit that is extended to the user. Customers who earn more receive a higher credit limit in comparison to those who earn less. Moreover, certain credit cards require that applicants’ earn a certain amount. Applicants who do not meet the income requirements cannot avail such cards.

Prior Relationship – Oriental Bank of Commerce does not require that all applicants have a prior relationship with the Bank but customers who have a prior relationship with OBC have a better chance of securing a credit card.

Credit Score – It reflects the financial responsibility of the applicant. Applicants that maintain a good credit score and have made no defaults on the payments have a better chance of securing a credit card.

Age – Age also impacts customer’s chances of getting a credit card. They must be between the ages of 18 and 65 years.

Nationality – Indian citizens only can avail Oriental Bank of Commerce credit card.

How can I apply for an Oriental Bank of Commerce credit card?
Customers can apply for OBC credit card by visiting the nearest Bank branch. Once there contact a bank official who will guide you in the process.

Can I get an OBC credit card against FD?
Yes, Oriental Bank of Commerce offers credit card against Fixed Deposits. Visit the nearest OBC Bank branch to apply for a credit card against Fixed Deposit.

What is the minimum salary for Oriental Bank of Commerce credit card?
The minimum salary to avail OBC credit card will be revealed at the time of credit card application.

How much time will it take to receive an OBC credit card?
Successful applicants might receive their OBC credit card within 21 days from the day of application.

How many credit cards does Oriental Bank of Commerce provide?
OBC provides the following credit cards:

• Oriental Bank of Commerce – SBI Platinum Card
• Oriental Bank of Commerce – SBI Gold Card