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Credit Card

What are the key factors to become eligible to apply for a Credit Card?

Key Takeaways

Credit Card eligibility is determined by factors such as your age, monthly income, credit score, credit utilisation ratio and nationality.
A credit score of 750 or above is generally considered favourable, but approval depends on multiple eligibility criteria.
If you do not have a credit score, you can still start your credit journey with an FD-backed Credit Card.
The IDFC FIRST Bank Credit Card Eligibility Checker helps you assess your eligibility and explore suitable Credit Card options.

24 Jul 2026 by Team FinFIRST

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Most people feel that they would give up a lot of financial freedom without credit cards. Today you can afford to have a lavish lifestyle with these plastic cards. It is just not the access to credit what makes a credit card important for people.

For some, it is security as they don’t have to invite trouble showing a lot of money; instead, they think it is safe to take out the wallet for using credit cards any number of times while shopping. For some others, credit cards promote a good image, and show that they are successful in a job and life. For others, a credit card helps meet financial emergencies. They use it to buy essential things, pay utility bills, recharge mobile, and more.

Depending on different needs of people, banks have introduced a range of credit cards, which are designed for meeting various purposes. To acquire a credit card of your choice, you need to prove your credit eligibility.

Your guide to choosing the right credit card with no annual fee

Take a step to financial inclusion with an add-on credit card

How would you know whether you are eligible for a credit card?

Your chances of getting a credit card depends on the specific eligible requirements that you meet. However, you can know whether you are eligible for a credit card through the credit card eligibility checker online. IDFC FIRST Bank initiates you to provide a few details such as the name, email address, mobile number and pin code to help you know whether you have credit eligibility. Here are some factors that you need to consider to find your eligibility to get credit card.

Minimum Age

Individuals aged 21 years or above can apply for a Credit Card. Eligibility may differ for add-on cards and different card types.

Monthly Income

The credit card eligibility minimum salary is the other important requirement that an applicant has to meet for the credit eligibility and qualification for the card. Each bank has different criteria when it comes to the monthly income. IDFC FIRST Bank requires the applicant to be salaried or self-employed with a regular monthly income. Nonetheless, you have to submit a proof for the same.

Moreover, the monthly income requirement differs depending on the card you want to apply for. For instance, to qualify for a premium credit card, you should have a higher monthly income than that for a classic credit card.

Credit Score

A good credit score reflects responsible credit behaviour and can improve your chances of credit card approval. While eligibility depends on multiple factors, a credit score of 750 or above is generally considered favourable when applying for a credit card.

However, you can still get a credit card without a credit score. An FD-backed credit card can be a suitable option, as it is issued against a Fixed Deposit. This allows you to start building your credit history while enjoying the convenience and benefits of a credit card.

Some FD-backed credit cards offered by IDFC FIRST Bank include the Quantum+ Credit Card, FIRST EA₹N Credit Card and Hello Cashback Credit Card

Credit Utilization Ratio

This is one among the important criteria banks consider before approving a credit card application. A credit utilization ratio shows the ratio at which you are using your available credit limit. It is derived by dividing the amount of credit you use by the total amount of credit limit you have. It is better you keep your utilization below 30 percent to give you a chance of being eligible for a credit card or acquiring a loan.

Nationality

Indian residents and Non-Resident Indians (NRIs) are eligible to apply for an IDFC FIRST Bank Credit Card, subject to the applicable eligibility criteria.

Conclusion

Your eligibility for a credit card depends on several factors, including your age, income, credit score, credit utilisation ratio and nationality. Understanding these requirements can help you choose a card that best suits your financial profile and improve your chances of approval. Those without a credit history can also consider an FD-backed Credit Card to start building their credit profile.

Frequently Asked Questions

What is the minimum age to apply for an IDFC FIRST Bank Credit Card?

Individuals aged 21 years or above can apply, subject to the eligibility criteria of the chosen credit card.

What credit score is generally required for a Credit Card?

A credit score of 750 or above is generally considered favourable, although approval depends on multiple eligibility factors.

Can I get a Credit Card without a credit score?

Yes. You can consider an FD-backed Credit Card to start building your credit history.

Does my monthly income affect Credit Card eligibility?

Yes. Income is one of the factors considered during the application process, and the requirement may vary depending on the type of credit card.

How can I check if I am eligible for an IDFC FIRST Bank Credit Card?

You can use the IDFC FIRST Bank Credit Card Eligibility Checker to check your eligibility and explore suitable credit card options.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.