Credit Card Limit Eligibility Calculator

Credit Card Eligibility & Limit Checker

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.

What is Credit Card Eligibility?

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.

Basic Eligibility Criteria

Age

Minimum 18 years (21 for premium cards). Maximum age typically 60-65 years.

Income

Annual income between ₹1-3 lakhs depending on card type and bank.

Nationality

Indian citizens and residents. Some cards available for NRIs.

Employment

Stable employment or business history preferred.

Factors That Affect Eligibility

Credit Score

Score of 750+ increases approval chances

Existing Debt

High debts can reduce eligibility

Employment Stability

Longer tenure in current job helps

Location

Some cards limited to specific cities

Documents Required

Salaried Individuals
  • Application form & photo
  • ID proof (PAN, Aadhaar)
  • Address proof
  • Salary slips & Form 16
  • Bank statements
Self-Employed
  • Income proof (IT returns)
  • Bank statements
  • Business proof

How to Check Your Eligibility

1
Enter Your Details

Provide basic information like age, income, employment type, and city.

2
Submit for Analysis

Use our free eligibility checker to analyze your profile.

3
Get Your Results

Receive list of eligible cards with estimated credit limits.

Why Checking Eligibility Matters

Avoid Rejections
Protect Credit Score
Save Time & Effort

Using our eligibility checker ensures you apply only for cards that match your profile.

Quick Tips

Maintain credit score above 750
Keep debt-to-income ratio below 40%
Avoid multiple applications