IndusInd Bank Credit Card Eligibility

Before you apply, check if you meet the following IndusInd Bank credit cards’ eligibility criteria: 

• Age between 21 to 60 years (or retirement age, whichever comes first)

• Salaried or self-employed 

• Monthly income of more than ₹20,000

• Good credit score
  

While there are no physical documents needed, here is the general list of documents you can keep handy when applying on Bajaj Markets:

• Proof of Identity:

  • PAN card

  • Colour photographs 

  • Aadhaar card
    

• Valid Address Proof:

  • Utility bill (electricity, water, landline, or postpaid mobile phone bill)

  • Ration card

  • Driving Licence 

  • Voter ID
    

• Income Proof:

  • Salaried: Latest salary slips, Form 16

  • Self-employed: Income Tax Returns (ITR) with computation of income, bank statements showing income

To keep your credit score up and apply with confidence, check the cards you qualify for. On Bajaj Markets, you can find some of the best credit cards from IndusInd Bank designed for your diverse needs. 

All you have to do is:

1. Go to the eligibility calculator and enter your employment details 

2. Provide inputs such as your phone number and date of birth 

3. Click on ‘Check Eligibility’ and proceed

Responsible credit behaviour and stable income can help you to qualify for a credit card from IndusInd Bank. Some factors that affect eligibility and approval from this issuer include:

• Credit Score

IndusInd Bank requires a good credit score as it represents your history with credit, current liabilities like a personal loan, and other key details. Generally, a score of 700-750 or more is considered good.

• Earnings

Your monthly income also needs to meet the minimum criteria set by the bank for each type it offers. Ensure you have documents to showcase your income, be it from your business, job, or other sources.

• Stability of Income

Showing that you have the ability to pay your credit card bills on time is key to getting quick approval. Make sure that your bank statements or payslips demonstrate stable income.

To qualify for a card that offers maximum benefits, check these tips and boost your chances:

• Pay your total credit card dues on time consistently if you already own a card 

• Monitor your credit score and report frauds, if identified

• Do not go for closure of credit card accounts that are not fully paid

• Try to repay all existing debts before trying to upgrade your credit card 

• Apply for a new card carefully after checking that you are eligible 

• Maintain a good balance in your IndusInd Bank account, if present

• Try to improve your credit score, with the right practice 

• Look out for pre-approved credit card offers from IndusInd Bank

If you are unable to meet the terms of eligibility set by the issuer, there are other options you can consider: 

• Check Credit Cards from Other Providers

Each issuer has different eligibility criteria. Enter your information on the Bajaj Markets’s eligibility calculator to see if there are other cards you can apply for. 

• Go for an FD-linked Credit Card

A secured credit card allows you to book a fixed deposit and gives you a credit limit based on its amount. It usually guarantees approval, so you can get this credit card and use it to improve your credit score. When your score and income increase, you can qualify for a regular card.  

• Get a Personal Loan

This unsecured loan allows you to get funds without any restrictions. Use it to finance weddings, home repairs, health treatments, and more. By meeting simple eligibility terms and choosing from flexible tenors, you can repay comfortably. 

• Apply for an Overdraft Facility

If you have a bank account, you can get overdraft facilities up to a stipulated limit. This depends on your relationship with the bank, and can help you get access to funds for short-term requirements.