When can you get a credit card?

In India, you can apply for a credit card once you reach the legal age of 18, as per the Indian Majority Act. However, many banks set a minimum age requirement of 21 years to ensure financial stability. To qualify, you generally need:

• A steady source of income with valid proof like salary slips or ITR.
• A good credit score, typically 750 or above.
• Valid KYC documents, such as an Aadhaar card and PAN card.

If you do not meet income criteria, you may obtain a card against a fixed deposit.