If I meet the income requirement, am I guaranteed approval?

No, the income figure is a minimum threshold, not a guarantee. Your credit score, existing obligations, and overall profile still factor into the final decision.

Do self-employed applicants face different eligibility criteria?

Often, yes, many issuers ask for income proof in a different form (like ITR or business turnover) for self-employed applicants, and some cards are more accommodating of this than others.

Eligibility & Applying · हिन्दी

Eligibility criteria

Eligibility criteria are the minimum requirements an issuer sets before approving your credit card application, typically a minimum income (stated as either a monthly salary or annual income, depending on the issuer), a minimum age (usually 21), and often an implicit credit score expectation even when not stated outright. Entry-level cards tend to have low income thresholds, while premium and super-premium cards can require ₹15-25 lakh or more in annual income. Meeting the stated minimum does not guarantee approval, issuers also weigh your credit score, existing debt, and overall credit history.

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Eligibility & Applying

Eligibility criteria

Frequently asked questions