Things to Consider While Checking Credit Card Eligibility

A Credit Card is a handy tool for all your spending needs. It is the most convenient way to go cashless; at the same time not getting the amount deducted from your bank account. Everyone has different needs and ways in which they spend money. To cater to these versatile needs, a variety of Credit Cards are available in the market. We explore the range of Credit Cards, along with the accompanying rewards and Credit Card offers.

Am I eligible for a Credit Card?

While there is a whole range of Credit Cards to explore basis your needs, there are some conditions when it comes to who is eligible for a Credit Card. You can check your Credit Card eligibility online through a Credit Card eligibility checker. We have listed down few points that can assist you with checking your eligibility for a Credit Card:

  • Age – You will need to be minimum 18 years of age to apply for a Credit Card. Even if you are an add-on Credit Card holder, the age limit needs to be met. Anyone meeting this criteria becomes eligible for a Credit Card.
  • Income – Each bank has a specified minimum income set by them as an eligibility criteria. You will need to have a regular income and provide proof of the same. Income requirement varies depending on the Credit Card being applied for. You can either be a salaried employee, or self-employed and managing your own business.
  • Credit history – A good credit history is proof that you can manage your credit well. This helps in getting you a Credit Card easily.
  • Nationality – While applying for a Credit Card in India, you need to be an Indian resident or a Non-resident Indian (NRI)

You may or may not be an account holder in the bank where you are applying for a Credit Card.

Hope these tips help you with how to check your Credit Card eligibility.

You can read more on how to improve your Credit Card eligibility here.

A wide range of HDFC Bank Credit Cards are available to cater to your ever-changing needs. To apply for HDFC Bank Credit Card, click here.

* Terms & conditions apply. Credit Card approvals are at sole discretion of HDFC Bank Ltd. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.

Apply for instant credit card  and enjoy special privileges and cashback offers with HDFC Bank