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Steps to Apply Credit Card Online

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There is a wide range of credit cards available across different banks. Different banks have set different eligibility criteria. For your credit card application to be approved by banks it is important that you fulfil the eligibility criteria laid down by the bank. In case you apply for credit card and don’t meet the eligibility criteria then your application for a credit card will be rejected. Rejection of a credit card affects your credit score negatively. Hence, it is very important that you check your credit card eligibility before applying for one. You can easily check your eligibility using various online calculators available.  Let us understand some of the factors affecting your credit card eligibility.

Factor affecting Credit Card Eligibility

Credit Score: Credit score is used as a measure of your creditworthiness by banks. Having a relatively good credit score works positively for you whereas a lower credit score has a negative impact on your credit card application. If your credit score is anywhere between 750-900, then you need not worry about your credit card application as it is considered good by banks.

Work Experience: If you are in your current job or business for more than a year now then it is considered good by the bank. Chances of approval of your credit card application increase. Being in the same job for a longer period of time signifies job stability and a stable source of income. If you change your job frequently then it might be difficult for you to get a credit card.

Existing Debt: Credit Card issuer will check your credit utilisation ratio before issuing you a credit card. If your existing dues exceed your given credit limit, then it will further diminish the chances of approval of your credit card application.

Location: There are certain credit cards that are available in a particular location only. So, banks take into account your current location as well before assessing your credit card application.


Age: Your age must be between 18 years to 60 years in order to apply for credit card

Credit Score: A credit score of 750 and above is considered good by the banks

Income: Different banks have laid down different income eligibility criteria. In general, your annual income should be more than 3 Lakhs per annum. 

Nationality: Certain credit cards are available to Indian residents only while there are some special cards for NRIs as well. So apply for a card as per your eligibility.

Steps to Apply for a Credit Card

You can refer to the steps given below if you are planning to apply for a CitiBank credit card or any other bank credit  card

Step 1:  You must choose a credit card first listed on the website based on your spending pattern and lifestyle.

Step 2: Fill in the online credit card application form. Provide the basic details like Name, DOB, Address, Contact number and email ID.

Step 3: Submit all the documents required. A list of documents is given below:

  • Identity Proof: Aadhar card, passport, driving licence, voter ID.
  • Address Proof: Aadhar card, PAN, utility bills etc.
  • Income Documents: Last three months salary slips and latest 6 months bank statement.
  • Form 16 and  last two-year ITR
  • Recent coloured passport size photograph

Step 4: Wait for the bank’s response as the bank will process your credit card application.

There is no need for you to step out of your homes and you can apply for a credit card easily online by visiting the bank’s website or via any online aggregators website. Keep all the required documents ready with you before applying for a credit card. You can refer to the documents list mentioned above. 

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