Credit Card Eligibility - Check Your Eligibility & Apply Online

Credit Card Eligibility

When you apply for a credit card, the issuing bank checks your financial history, creditworthiness, and other factors. This process is done to determine whether to approve or deny your application.

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    To be eligible for a credit card, you need to meet specific criteria set by the bank. Some common eligibility requirements include a minimum age, a certain level of income, and a good credit score.

    Each bank or credit card company may have its own set of parameters or conditions. If you meet the eligibility requirements or parameters specified by the bank, your credit card application is approved.

    Common Criteria for Credit Card Application

    After selecting the desired credit card from your issuer, it’s time you check for these:


    Age is a pivotal factor in eligibility. A minimum age of 18 is required. If under 21, a stable income or a co-signer is essential for responsible card ownership.


    The applicant’s income is a crucial factor in determining eligibility for a credit card. A stable income is essential, varying by card type. For minors, a co-signer with regular income is necessary. Even with a secured card, a stable income is vital, ensuring the ability to meet bill payments.

    Credit Score

    A good credit score is crucial for credit card approval. Factors like existing cards, debts, loans, and repayment history influence your credit score. If you lack credit or have a poor score, a secured card requires a deposit, serving as security for potential defaults.

    Criteria for the Top 5 Credit Card Issuers

    Let’s take a look at the credit card requirements of the top players in the market. This way, you will know which issuer to choose for your next credit card application.


    Minimum Age21 years
    Maximum Age70 years
    OccupationSalaried or Self-Employed
    Regular Source of IncomeYes
    Good Credit ScoreYes

    ICICI Bank

    Minimum Age21 years
    OccupationSalaried, Self-Employed, or Pensioner
    IncomeVaries based on ICICI Bank relationship
    Credit ScoreMinimum 750 for premium cards

    HDFC Bank

    Minimum Age18 years
    Maximum Age70 years
    Residential StatusResident of India (Some cards for Non-Resident Indians)
    IncomeRs. 1,44,000 - Rs. 25,00,000 per annum (average)
    Credit ScoreGood CIBIL Score

    Axis Bank

    Minimum Age18 years
    Maximum Age70 years
    IncomeMinimum Rs. 6 lakh per annum
    EmploymentSalaried or Self-Employed

    Kotak Mahindra Bank

    Minimum Age18 years
    Maximum Age65 years
    IncomeRs. 40,000 per month
    Credit Score750