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Credit Card Eligibility

Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private limited companies, Government Sector employees including public sector undertakings and central, state and local bodies:

Eligibility Criteria
  • Minimum age of Applicant: 21 years
  • Maximum age of Applicant at loan maturity: 60 years
  • Minimum employment: Minimum 2 years in employment and minimum 1 year in the current organization
  • Minimum Net Monthly Income: Rs. 10,000 per month (Rs. 15,000 in Mumbai, Delhi, Bangalore, Chennai and Hyderabad & Rs. 12,000 in Calcutta, Ahmedabad and Cochin)
Documents required:
  • Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence)
  • Address Proof (Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate)
  • Bank Statements (latest 3 months bank statement / 6 months bank passbook)
  • Latest salary slip or current dated salary certificate with latest Form 16
   
Self employed (Professionals) include self - employed Doctors, Chartered Accountants, Engineers, MBA Consultants, Architects, Company Secretaries.

Eligibility Criteria
  • Minimum age of Applicant: 25 years
  • Maximum age of Applicant at loan maturity: 65 years
  • Years in business: 4 to 7 years depending on profession
  • Minimum Annual Income:
    Rs. 100000 p.a.
Documents required:
  • Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence).
  • Address Proof (Ration card Tel/elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate).
  • Bank Statements(latest 6 months bank statement /passbook)
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA
  • Qualification proof of the highest professional degree
   
Self Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors in the Business of Manufacturing, Trading or Services.

Eligibility Criteria

  • Minimum age of Applicant: 21 years
  • Maximum age of Applicant at loan maturity: 65 years
  • Years in business: 5 yrs continuous business experience
  • Minimum Annual Income: Rs. 1,00,000 p.a.
  • Available in select cities
Documents required:
  • Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence)
  • Address Proof (Ration card Tel/elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate)
  • Bank Statements(latest 6 months bank statement /passbook)
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA
  • Proof of continuation (Trade licence /Establishment /Sales Tax certificate)
  • Other Mandatory Documents(Sole Prop. Decl. Or Cert. Copy of Partnership Deed,Cert. Copy of MOA, AOA & Board resolution.)
   
Self Employed (Pvt Cos and Partnership Firms) include Private Companies and Partnership firms in the Business of Manufacturing, Trading or Services

Eligibility Criteria

  • Years in business: Minimum of 3 years in current business and 5 years total business experience
  • Business must be profit making for the last 2 years
  • Minimum Annual Income: Rs 100000 p.a.
  • Available in select cities
Documents required:
  • Address Proof (Ration card Tel/elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate)
  • Bank Statements(latest 6 months bank statement /passbook)
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA
  • Proof of continuation (Trade licence /Establishment /Sales Tax certificate)
  • Other Mandatory Documents (Sole Prop. Decl. Or Cert. Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original).)

Credit Card Benefits

  • Borrow up to Rs 15,00,000for any purpose, depending on your requirements.
  • Repay with easy EMIs.
  • Avail  Attractive  Interest Rates
  • Hassle-freeLoans - No Guarantor / Security / Collateral required
  • Speedy Loan Approval.
  • Flexible repayment options, ranging from 12 to 48 months.
  • Convenience of service at your doorstep.
  • Credit Shield.
  • Personal Accident Cover.

Credit Card FAQs

Q: What documents do I need to establish proof of income?

Ans: For income proof, most banks look at your IT returns for the last two years and also at the nature of income. However some banks do not consider speculative income - from the stock market, rental or agricultural income. Some banks discount such income by up to 50% in their workings.

When can I apply for a Home Loan?

You can for apply for Home Loan at anytime. You may apply for it after you have decided to acquire/construct a property, and even in case, the property has not been selected or the construction has not commenced, you can still apply. What's more, you can also avail for Home Loan facility if you want to renovate or expand your home.

Credit Card Document Required

Documents Requirement for Credit Card

  1. Last six month bank statement ,salary account. If salaried.
  2. Last six month current account statement. If self employed.

Credit Card Over View

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