Indian Bank Credit Card Eligibility: Age, Income & Documents Required

Key Takeaways
 

• Eligibility is simple: Indian Bank credit cards are open to Indian citizens aged 21–65 with a steady income and valid KYC documents.
   
• Options for everyone: Whether salaried, self-employed, or low on credit history, there’s a card for every lifestyle: from Bharat (entry-level) to Platinum (premium).
   
• Secured flexibility: Even with limited income proof, you can get a Credit Card Against FD, making it easier for beginners to start building credit.
   

Wondering if you qualify for an Indian Bank credit card? First, check the basic eligibility rules. Knowing these can help you enjoy financial benefits and rewards.

Eligibility is what lets you get credit. The bank looks at your income, credit score, and job stability to make sure you can manage a credit card, similar to how a club checks your credentials before letting you join.

Example:

I earn ₹45,000 a month and have a CIBIL score of 765. When I applied online, I was approved for the Indian Bank Platinum Credit Card with a ₹1,50,000 limit.

Indian Bank offers a range of credit cards designed to suit different spending habits and lifestyles. From entry-level cards for everyday expenses to premium cards with travel perks, their offerings cater to both salaried and self-employed individuals. 

The eligibility requirements vary based on the card type, income, and existing relationship with the bank. Many cards also come with rewards programs, cashback offers, and interest-free periods, making them an attractive tool for managing personal finances effectively.

Eligibility Criteria at a Glance

Before you start dreaming of rewards and lounge access, let’s see what Indian Bank expects from you.

• Age: The age limit generally varies between 21 and 65 years for standard credit cards.
   
• Minimum Income: Varies by card variant — e.g., the Bharat Card may start at ₹5,000 / month; others are around ₹12,500+ for salaried individuals.
   
• Occupation: Salaried or self-employed individuals; business owners eligible for business cards.
   
• Serviceable Cities/Locations: You need to apply from a region where Indian Bank operates and approve applicants in that branch-service zone.
   
• Documentation/Nationality: Indian citizens (and in some cases NRIs) with KYC documents, identity proof, address proof, and income proof.

In short: If you’re above 21, earning steadily, and live in a serviced city, you’re already halfway there.

Eligibility for Salaried & Self-Employed Applicants

Now Sunita’s curious: “What if I’m in a start-up? Or freelancing?”

For salaried employees, Indian Bank generally expects a steady income, which can be shown by salary slips (of the last 3 months), bank statements, and copies of PAN/Aadhar cards. The minimum income will depend on the card variant.

For self-employed/business owners, you’ll need your audited accounts or ITRs, bank statements, proof of business existence, and a credit history that doesn’t scare the bank. Business cards may have higher income thresholds and may target partnership firms or proprietors.

Bonus Tip: If you already hold an account with Indian Bank (a salary account or savings account), your application may progress smoothly.

Eligibility Specifics for Popular Indian Bank Credit Cards

Which of the Indian Bank’s cards should Sunita pick? Let’s highlight a few credit card options and their eligibility:

• Bharat Credit Card: An entry-level — minimum income of about ₹5,000/month.
   
• Credit Card Against FD: If your income proof or credit history is weak, Indian Bank lets you get a secured card by pledging an FD. In this scenario, no strict proof of income is required.

Think of Indian Bank’s credit cards as a wardrobe—you’ve got something for every occasion. Whether you’re a first-time spender looking for a modest entry-level card, a frequent traveler chasing airport lounge perks, or someone who prefers the safety net of a fixed deposit, there’s a card tailored just for you. 

To make your choice easier, here’s a handy comparison of the major Indian Bank credit cards, their target users, and the benefits they bring to your wallet:
 

So for Sunita, if her income is modest but stable, the Bharat variant is a good fit. If she earns more and wants perks, then she can go for Classic/Gold. If income proof is thin, the secured ‘against FD’ route offers a clever workaround.

Smart Tips to Improve Your Eligibility

Let’s give Sunita a cheat sheet of smart moves.

• Maintain a good credit score. A CIBIL score of ~750+ boosts your chances.
• Show a steady income stream and employment/business stability.
• Avoid applying for multiple credit cards simultaneously; keep the debt‐to‐income ratio healthy.
• Build a relationship with the Indian Bank (a salary account or a savings account) as it enhances trust.
• If income proof is elusive, consider the secured FD route — a card against a fixed deposit.

By doing this, you tip the eligibility scales from “maybe” to “approved”.

Conclusion

Sunita filled out the form, sent in her payslips, and waited anxiously. A week later, she got a call: “Welcome to Indian Bank’s Classic Credit Card.” She celebrated with a wardrobe upgrade, all without dipping into her savings. You can do this too.

Go ahead and improve your credit profile, choose the card that fits you, and swipe with confidence while enjoying the long interest-free period. With the right preparation, a credit card isn’t out of reach. It can be your next smart way to shop.

FAQs
 

Who is eligible for a credit card from Indian Bank?

You can apply for an Indian Bank credit card if you are salaried or self-employed and meet the bank’s criteria.

Is there an age limit to apply for Indian Bank credit card?

You need to be between 21 and 65 years old to apply for an Indian Bank credit card.

Will Indian Bank check my credit score before issuing a credit card?

Your credit score is an important factor when Indian Bank reviews your credit card application.

Does Indian Bank provide credit cards?

Indian Bank offers three types of credit cards: Bharat Credit Card, Gold Credit Card, and Platinum Credit Card.

Who is eligible to apply for an Indian Bank credit card?

Salaried and self-employed people can both apply for an Indian Bank credit card.
 

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.