Looking to get a credit card in India? Before applying, it’s crucial to understand your credit card eligibility and the factors that determine your credit limit. Bankcliq.com provides a simple guide and a free credit card eligibility checker to help you assess which cards you qualify for.
Credit card eligibility refers to the criteria set by banks and financial institutions to approve a credit card application. Meeting these requirements increases your chances of instant approval and ensures you are offered the right credit limit.
Minimum 18 years (21 for premium cards). Maximum age typically 60-65 years.
Annual income between ₹1-3 lakhs depending on card type and bank.
Indian citizens and residents. Some cards available for NRIs.
Stable employment or business history preferred.
Score of 750+ increases approval chances
High debts can reduce eligibility
Longer tenure in current job helps
Some cards limited to specific cities
Provide basic information like age, income, employment type, and city.
Use our free eligibility checker to analyze your profile.
Receive list of eligible cards with estimated credit limits.
Using our eligibility checker ensures you apply only for cards that match your profile.
Maintain credit score above 750
Keep debt-to-income ratio below 40%
Avoid multiple applications