Wondering how to get a credit card? Read on, it’s not all that complicated. However, the process is simple only if you meet certain eligibility criteria. The specifications may vary depending on the bank or card. Your application can be turned down if you don't meet the bank's conditions. Your credit score can suffer if this occurs. Below we’ve outlined the process of getting a credit card which is followed by most institutions though there may be minuscule differences depending on the institution.

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Eligibility Criteria: How to get a credit card in India?

If you need a credit card, here are the eligibility criteria that you must meet:

The applicant must be at least 18 years old. However, 21 years old is the minimum age requirement in several banks. The maximum age limit varies as well and is typically 60 years or so.

Minimum income must range from ₹1 lakh to ₹3 lakh. You're eligible for a specific thing based on your yearly salary. However, it's essential to confirm this requirement with your bank because it varies depending on which issuer you select.

The applicant must either work for a salary or be self-employed.

Applicants may be citizens, residents, or non-residents. A few cards, however, are solely accessible to Indian citizens.