RBL Credit Card Eligibility: Age, Income & Required Documents

Key Takeaways
 

• You must be 18 - 65 years old with minimum income requirements.
   
• A credit score of 750 - 900 improves your approval chances.
   
• Improving your credit history, managing your debts, and checking your eligibility before you apply can help you get approved more easily and save time.

“You should not apply for an RBL Credit Card until you know these 3 things, your age, income, and credit score. Most rejections happen because people skip checking these basic requirements.”

RBL credit card eligibility helps the bank make sure applicants have a steady income, a good credit history, and show financial responsibility. Only people who meet these requirements are approved.

For instance, RBL requires applicants to be 18-65 years old. Your annual income should be at least ₹1,00,000 - ₹3,00,000 for standard cards.

My friend Vihan, a 24-year-old software engineer from Mumbai, earns well. He applied for an RBL credit card without checking the requirements. His application got rejected because his credit score was low. 

Vihan felt disappointed but learned an important lesson that day. He improved his credit score and reapplied after six months. This time, his application got approved within five days.

This blog explains all RBL Credit Card eligibility parameters. You will learn about age, income, documentation, and credit requirements. Understanding these parameters helps you avoid rejection and save time.

RBL Credit Card Eligibility Parameters

“Bro, if you are planning to apply for an RBL credit card, don’t do it blindly. One small mismatch in age, income, or documents can instantly reject your RBL Credit Card application.”

Getting an RBL credit card requires meeting certain basic criteria. Here are the key RBL Credit Card Eligibility Parameters you need to know.

• Age: You must be at least 18 years old to apply. Some banks require applicants to be 21 years old. The maximum age limit ranges from 60 to 65 years.
• Minimum Income Required: Most cards need an annual income between ₹1,00,000 - ₹3,00,000. Premium cards often have stricter income requirements. Your income level determines which card you qualify for.
• Occupation: You can be salaried or self-employed to apply. A stable income source is essential for approval. Banks prefer applicants with steady employment histories. Working in your job for over one year helps.
• Serviceable Cities: RBL credit cards are available in specific cities only. You must reside in an area that the bank services. Check the bank's website for your city's availability.
• Documentation: You will need to submit proper identity proof documents. Income proof and address verification are also required. Keep your documents ready before applying for the card.
• Nationality: Indian citizens are eligible to apply for RBL cards. Non-resident Indians may also qualify under certain conditions. Foreign nationals cannot apply for these cards.

Understanding these RBL Credit Card eligibility parameters helps you prepare better.

RBL Credit Card Eligibility for Salaried & Self-Employed

“Bhai, mujhe to lagta hai ki sirf high-income earn karne walo ko hi RBL credit card milta hai. If you think the same, you’re mistaken as both salaried and self-employed professionals can qualify easily if they meet these criteria.”

RBL Credit Card Eligibility for Salaried Individuals

Meeting RBL Credit Card Eligibility Parameters ensures smooth approval for salaried employees.
 

RBL Credit Card Eligibility for Self-Employed Individuals

Understanding RBL Credit Card eligibility parameters helps self-employed applicants prepare better documents.

These RBL Credit Card eligibility parameters may differ depending on the bank. Always verify specific details on the bank's official website.

Tips to Improve Eligibility for RBL Credit Card

“Bro, you got rejected once for an RBL Credit Card. That doesn’t mean you can’t qualify next time, you just need a smarter plan.”

Meeting RBL Credit Card eligibility parameters requires careful financial planning and management: 

• Build Your Credit History: Lenders check your credit score and credit history. Establish your credit history before applying for credit cards.
• Improve Your Credit Score: Credit scores in India range from 300 to 900. Apply for a card only after improving your score.
• Maintain a Low Debt-to-Income Ratio: The DTI Ratio compares your total debt against total income. Keep your debt-to-income ratio as low as possible.
• Manage Outstanding Credit Card Amounts: Outstanding amounts impact your new credit card application. Clear your existing credit card dues before applying again.
• Meet the Income Requirements: Always ensure you meet the bank's minimum income requirements and apply only for cards you are eligible for.

Following these tips improves your chances of meeting RBL Credit Card eligibility parameters.

Conclusion

“Bro, before you hit that ‘Apply Now’ button, make sure you have ticked every RBL eligibility box. One small miss can delay your approval for months!”

To get approved for an RBL Credit Card, start by learning about the eligibility requirements. Make sure you meet the age, income, credit score, and documentation criteria. If you are salaried or self-employed, being prepared will help your application.

Keep a good credit history and a steady income. Visit the bank’s website to see the exact requirements for each card. Meeting these criteria will make your application process smoother and help you get approved faster.

Bonus Tip: Check your credit score for free before applying through CIBIL's official website. This helps you understand your creditworthiness and fix issues beforehand. A good score saves time and increases approval rates.

FAQs

Q1. Can students apply for RBL credit cards? 

Yes, students can apply with their student ID cards.

Q2. Does RBL offer credit cards to housewives? 

Yes, housewives with independent income sources can apply easily.

Q3. Can I apply for multiple RBL cards together? 

No, apply for one card at a time only.

Q4. Do RBL Credit Card eligibility parameters change frequently? 

Yes, RBL Credit Card eligibility parameters may change based on policies.
 

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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.