Age, Income, CIBIL Score aur Job Type enter kare aur turant check kare ki aap credit card ke liye eligible ho ya nahi.
Credit Card Eligibility Kaise Check Kare? (Complete Guide 2026)
Agar aap online search kar rahe hain credit card eligibility checker India, minimum CIBIL score for credit card, ya credit card apply karne ke liye kitni salary chahiye, to yeh tool aapke liye ek perfect solution hai.
India me major banks jaise SBI, HDFC, ICICI aur Axis Bank credit card approve karne se pehle kuch important factors check karte hain jaise age, monthly income, job type aur CIBIL score. Is eligibility checker se aap turant pata kar sakte hain ki aapka profile approval ke layak hai ya nahi.
Credit Card Eligibility Criteria Kya Hota Hai?
Har bank ka apna internal criteria hota hai lekin generally:
- Minimum age: 21 saal
- Monthly income: ₹20,000 ya usse zyada
- CIBIL score: 700+
- Stable income source
Agar aapka CIBIL score 750+ hai to approval chances aur bhi strong ho jate hain. Agar score kam hai to pehle apna score improve kare.
Minimum CIBIL Score Kitna Hona Chahiye?
Most banks 700 ya usse upar ka CIBIL score prefer karte hain. Agar aapka score 650-699 ke beech hai to bhi kuch banks secured ya entry-level card de sakte hain.
Credit Card Apply Karne Se Pehle Ye Check Kare
- Kya aapka income proof available hai?
- Kya aapka PAN aur Aadhaar linked hai?
- Kya aapne recent loan default nahi kiya?
- Kya aapka EMI burden 40% se kam hai?
Agar aap EMI calculate karna chahte hain to hamara EMI Calculator bhi use kar sakte hain.
Credit Card Approval Chances Kaise Badhaye?
1. Apna CIBIL score 750+ tak improve kare.
2. Existing loans ka EMI burden kam rakhe.
3. Salary account same bank me rakhe.
4. Credit utilization 30% se kam rakhe.
Salary Kitni Honi Chahiye Credit Card Ke Liye?
Metro cities me banks ₹25,000+ monthly salary prefer karte hain, jabki tier-2 cities me ₹15,000–₹20,000 par bhi basic cards mil sakte hain. High premium credit card ke liye ₹50,000+ salary required hoti hai.
Students Kya Credit Card Le Sakte Hai?
Generally students ko unsecured credit card nahi milta. Lekin secured credit card fixed deposit ke against mil sakta hai.
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Frequently Asked Questions (FAQs)
Q1. Credit card ke liye minimum CIBIL score kitna chahiye?
Generally 700 ya usse upar ka score approval ke liye better mana jata hai.
Q2. Credit card apply karne ke liye salary kitni honi chahiye?
₹20,000 monthly income basic card ke liye kaafi hoti hai.
Q3. Kya self employed log credit card le sakte hain?
Haan, agar unke paas stable income proof aur 700+ CIBIL score ho.
Q4. Kya student credit card le sakta hai?
Direct unsecured card nahi, lekin FD based secured card mil sakta hai.
Q5. Credit card rejection ka main reason kya hota hai?
Low CIBIL score, low income, ya existing high EMI burden rejection ka main reason hota hai.
