IDCS India

INDIA'S BEST

CREDIT CARD

Simplifying Your Payments

Get quicker access to all-purpose credit cards with unlimited benefits, including alluring reward points, competitive interest rates, and lifetime access.

Credit Card – Features & Benefits

Unlock a world of convenience and rewards with our feature-packed credit cards. Tailored to meet diverse needs, these cards offer unparalleled advantages to enhance your financial experience.

Easy Access to Funds

Boost purchasing power with a high credit limit for instant financial assistance.

Rewards & Cashback

Earn rewards, cashback, or exclusive discounts on every transaction.

EMI Conversion

Split large purchases into easy monthly EMIs for more manageable payments.

Build Credit

Improve your credit score through disciplined use, aiding in future loan approvals.

Add-on Cards

Extend your card benefits by getting supplementary add-on cards for family members.

Balance Transfer

Transfer outstanding balances between cards at attractive interest rates.

Low-Interest Rates

Benefit from low-interest rates, plus discounts and cashback options.

Insurance Coverage

Receive complimentary insurance coverage for accidents, travel, and lost card liability.

Credit Card Eligibility Criteria

Eligibility for credit cards varies between issuers and card types, with key factors being consistent such as age, income, and credit score. However, the minimum income requirement is typically the most variable aspect, depending on the card’s features and annual fee.

  • Age: Minimum 18 years
  • Credit Score: Ideally 700+
  • Employment Status: Salaried or self-employed
  • Minimum Income: Varies by card type

Documents Required for Credit Cards

Here are the essential documents needed when applying for a credit card:

Document TypeDetails
Identity & Signature ProofPassport, PAN card, Driving License, Voter ID, Aadhaar card, Government Employee ID (any 1)
Address ProofBank statement, Rent agreement, Voter ID, Passport, Utility bills, Property tax bill (any 1)
Age ProofVoter ID, Secondary School Certificate (Class 10), Birth Certificate, Aadhaar card, Passport (any 1)
Income ProofFor salaried: Last 3 months’ salary slips and 6 months’ bank statement; For self-employed: Latest ITR with income computation and business continuity proof

Note: Pre-approved card offers may not require document submission if you have an existing banking relationship with the issuer.

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