To obtain a credit card, it is essential to comply with the eligibility standards established by the credit card issuer. The specific criteria for approval vary depending on the card you choose. However, if you do not meet the requirements, your application might be declined, and this could impact your credit rating. Therefore, it is advisable to review the eligibility guidelines carefully before applying for a credit card.

Credit card eligibility requirements

  • Nationality



  • Age


    21 to 70 years

  • Employment


    At bank’s discretion

  • Credit score

    Credit score

    At bank’s discretion

What are the eligibility criteria for getting a credit card?

Bajaj Finance has easy-to-meet eligibility criteria to apply for a credit card. These include:

  • Age should be within 21 to 70 years
  • Nationality should be Indian
  • Applicant must fulfil the income and credit score criteria set by bank

Factors that affect the credit card eligibility criteria

Credit cards have become an essential tool in managing one's finances. Like any other financial product, credit cards come with eligibility criteria that need to be met to be approved. Here are some factors that affect credit card eligibility:

Credit history: Credit history is one of the primary factors that determine your eligibility for a credit card. Lenders check your credit report to assess your credit worthiness and credit behaviour. A good credit history increases your chances of getting approved.

Income: Lenders also check the income of an applicant to ensure repayment capacity. A higher income bracket increases the chances of approval.

Age: The minimum age requirement to apply for a credit card is 18 years. However, some banks have a higher age requirement for premium credit cards.

Employment status: Lenders consider the employment status of the applicant to assess the stability of the income source. A salaried individual is more likely to be approved than a self-employed person.

Debt-to-income ratio: Lenders check the debt-to-income ratio to ensure that the applicant can manage repayments alongside other debts and expenses.

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What documents are needed to apply for a credit card?

Applying for a credit card is easy, but it is important to keep in mind the necessary documentation required to complete the process successfully. Here's a checklist of documents that you should keep ready:
  • A filled application form.
  • The applicant’s passport-size photograph.
  • Identity proof such as passport, driving licence, or Aadhaar card.
  • Address proof such as utility bill, rental agreement, or bank statement.
  • Income proof such as payslips, or IT return filings, or business registration documents.

**You are required to keep the copy of these documents handy, during the application process.

How to check your credit card eligibility at Bajaj Finserv

You can check the eligibility criteria for Bajaj Finserv co-branded credit cards online. You simply need to visit the Bajaj Finserv website and view the options for co-branded credit cards.

  • Click here and enter your mobile number.
  • Enter the OTP received.
  • Choose a credit card from the list of options available.

You can see the eligibility criteria for applying there as you may have to furnish certain documents during the process.

Availing a Bajaj Finserv RBL Bank Credit Card is easy as the eligibility criteria are not difficult to meet and the documentation requirement is minimal. As a Bajaj Finance customer, you can quickly get a SuperCard by displaying a regular income source and a solid financial track record. To prove your eligibility, simple KYC documents will be required.

Once approved, you can enjoy exclusive feature like interest free cash withdrawal*, emergency personal loan on your cash limit for up to 90 days*, and easy EMI conversion option, alongside a suite of benefits like reward points, discounts, milestone bonuses and welcome gifts.

Flat fee: 2.5% of the cash amount (minimum Rs. 500) + GST
*This loan is provided by RBL Bank at their discretion and is subject to its policies.

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Frequently asked questions

What is a credit card?

A credit card is a payment instrument that gives customers a pre-set credit limit. Using this credit limit, the customer can pay for purchases without having to pay in cash or issuing a cheque. The card’s limit is decided by the financial institution depending on the customer's credit score and monthly income.

What is the minimum age to get a credit card?

The minimum age to get a credit card in India is 18 years. However, Bajaj Finserv maintains 21 years as the minimum age, keeping the repayment capacity of the applicants in mind.

How to apply for a credit card?

You can easily apply for the Bajaj Finserv RBL Bank SuperCard by applying online and keeping the necessary documents handy.

What is credit card salary eligibility?

An important consideration when choosing a credit card is salary. A person making, let's say, Rs 50,000 a month qualifies for a different kind of card than someone making Rs 25,000 a month.

There are certain lenders who offer credit cards to people with modest incomes, but these applicants have low credit limits and their spending is also restricted to not more than three times their monthly earnings.

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