How to Get a Credit Card in India
In this guide
Step-by-step Process
Understand Credit Card Types
Types include: rewards/cashback cards, travel cards (air miles), fuel cards, shopping cards, and secured cards (against a fixed deposit — ideal for beginners). Choose based on your spending pattern.
Check Eligibility
General requirements: age 18+ (21+ for premium cards), minimum annual income ₹2.5–₹5 lakh, CIBIL score 700+, and steady employment or business. If your score is low or income insufficient, apply for a secured credit card against an FD.
Compare and Apply
Compare: annual fee, joining fee (often waived on first-year spend), reward rate, interest rate (24%–42% p.a. on revolving credit), and lounge access. Apply on the card issuer's website, app, or at a bank branch.
Complete KYC and Verification
Submit Aadhaar, PAN, income proof (salary slips or ITR), and a recent photo. The bank may conduct Video KYC. For premium cards, a representative may visit for in-person verification.
Receive and Activate Card
Card is delivered to your registered address in 7–10 working days. Activate via the bank's app or helpline. Set your PIN at an ATM or via net banking. Register for SMS and email transaction alerts.
Documents Required
- ✓Aadhaar card and PAN card
- ✓Latest salary slips (last 3 months) or ITR (self-employed)
- ✓Passport-size photograph
- ✓Bank statement (last 3–6 months) for some cards
Official Government Portals
Common Questions
What credit limit will I get on my first credit card?
Initial limits are usually 2–3x your monthly income. After 6–12 months of good repayment history you can request a limit enhancement. For secured credit cards, the limit is typically 80%–90% of the FD amount.
What happens if I pay only the minimum amount due?
Paying only the minimum due (typically 5% of outstanding) keeps your account in good standing but the remaining balance attracts 24%–42% annual interest, which compounds quickly. Always aim to pay the full outstanding amount by the due date.
Can I use my credit card internationally?
Yes. Enable international usage in the bank's app or by calling customer care. A foreign currency markup fee of 1.5%–3.5% applies on international transactions. Some premium cards waive this fee.
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