Credit Card

Online, compare and apply for the best credit cards. Insta Loan Services can help you identify the best credit cards in India by categorizing them, as well as their annual and renewal costs. You can compare them and select the one that best meets your needs and budget.

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Query Related to Credit Card :-

  • The applicant’s minimum age must be 21 years at least (in some cases, it is 18 years.)
  • The maximum age to be eligible to get a Credit Card is 65 years. 
  • The monthly income of the applicant should be 20,000 per month. 
  • The credit score of the applicant must be 750 or more. 
  • The applicant can be an Indian resident or a Non-resident Indian.

All credit cards have a credit limit above which no transactions are permitted. Banks approve these restrictions based on your eligibility. You can’t use the card to spend more than your credit limit. At the time of renewal, the banks evaluate the limitations. Banks can increase or decrease the limit based on usage and repayment history.

Document Type

Documents Acceptable

Identity Proof (anyone)

  • Aadhar Card
  • PAN Card 
  • Voter ID Card
  • Passport 
  • Driving License

Address Proof (anyone)

  • Electricity, Gas, or Telephone bill
  • Ration Card
  • Aadhar Card
  • Registered Lease or Rent Agreement
  • Passport

Income Proof – Salaried

  • Certificate of Salary
  • Recent Salary Slip
  • Form 16/IT Returns
  • Employment letter

Proof of Income – Self Employed

  • ITR for the preceding year
  • Financial documents such as Profit & Loss Statement and Audited Balance Sheet
  • Proof of continuity of business

Other Documents

  • Colored photograph
  • Photocopy of Form 60 or PAN Card

To be eligible to get most credit cards, you need a credit score of 750 or more. 

Usually, you don’t get approval for a regular credit card if you have a bad credit score. However, there are other ways to obtain a credit card even if you have a bad credit score, such as applying for an add-on credit card or a secured credit card.