Bajaj Finserv DBS Bank Credit Card - Eligibility Documentation

Before you apply, check if you meet the following eligibility criteria for SuperCards from this issuer:

• Age between 21 and 70 years

• Must be an Indian national

• Credit score of 720 or above

• Residing within a city serviceable by DBIL/Bajaj Finserv

• Salaried or self-employed with a regular source of income

Here is the general list of documents you may need to keep ready before filling out your online application on Bajaj Markets:

• PAN card

• Aadhaar card

• Marriage certificate

• Gazette certificate

• Passport

Find the best SuperCards from DBS Bank suited to your eligibility and requirements on Bajaj Markets.

All you have to do is:

• Go to the eligibility calculator and select your employment information

• Fill in details such as your mobile number and date of birth 

• Click on ‘Check Eligibility’ and continue

Adequate income and responsible credit behaviour can help you get approval for SuperCard. Here is a look into important factors affecting eligibility.

• Credit Score and History 

DBS Bank highly values your score from TransUnion CIBIL, Experian, Equifax, or CRIF High Mark. It reflects your past behaviour with credit, present debts, and other relevant information. Usually, a score over 700 is deemed sufficient to be eligible for a credit card.

• Income

Your earnings need to meet the minimum income requirement set by DBS Bank for each SuperCard variant. Not qualifying on these terms can result in rejection. You may showcase both active and passive income alongside your earnings from varying sources.

• Job/Work Stability

Consistent income reassures credit card issuers that you can meet your financial obligations on time. Regular salary slips or recurring credits in your bank statements are a few markers that validate this.

If you aim to be eligible for a Bajaj Finserv DBS Bank credit card with superior benefits, consider these tips:

• If you are an existing credit cardholder, pay your bills on time, every time

• Regularly study and understand your credit report to recognise errors or shortfalls

• Refrain from closing credit cards that have unpaid balances 

• Check pre-approved SuperCard offers from DBS Bank

• Repay all existing debt before approaching the issuer to upgrade your card

• Apply for a new credit card only if you meet the income requirements or fall into the required income bracket

• Ensure a high account balance in your DBS Bank salary or savings account

• Try to boost your credit score

Despite your best attempts, you may sometimes not be able to meet the issuer’s eligibility terms. Here are other options you can evaluate:

• Explore Other Credit Cards

Verify whether you meet the criteria of other issuers as their eligibility requirements may differ. By entering your details into the eligibility calculator on Bajaj Markets, you can find other cards that you may be eligible for.

• Get a Secured Card

Leverage your fixed deposit as collateral to obtain an FD-linked card and manage it effectively to build your credit score. As your income and score grow, you can apply for a regular credit card. 

• Apply for a Personal Loan

Get this unsecured loan to meet any requirements, from medical emergencies to home repairs. All you need to do is meet simple eligibility terms and choose a comfortable tenor to repay. 

• Opt for an Overdraft (OD) Facility

Get a limited credit line based on your banking relationship with the bank/NBFC, where you have an account. You can use this facility to meet short-term needs.