Eligibility Criteria For Your AU Bank Credit Card

AU Bank credit cards come with specific eligibility criteria that applicants must meet to qualify. The bank uses these criteria to check if the applicant has financial stability and is eligible to repay the debt. To apply for an AU Bank credit card, the applicant must be between 21 and 60 years old and the addon credit card applicant must be 18 or more years old. Both salaried and self-employed individuals can apply but they should be residents of India. Apart from these basic eligibility criteria, there are also various other factors that can affect your credit card eligibility. A good credit score of more than 700 can enhance your chances of approval. Some credit cards are only available for specific regions which can also affect your eligibility. AU offers various credit cards which have specific eligibility criteria. So you should check it carefully before applying for the particular credit card. Which can enhance your chances of approval and makes your credit card application much more flawless.

General Eligibility Criteria

  • Age: Primary cardholders must be between 21 to 60 years. Add-on cardholders must be at least 18 years old.
  • Employment Status: Both salaried and self-employed individuals can apply.
  • Income: The applicants should have a stable and regular income.
  • Residency: The applicant must be a resident of India.

Required Documents:

  • Proof of Identity: Documents such as PAN Card, Aadhaar Card, Voter ID, Passport, or Driving License.
  • Proof of Address: Utility bills (not older than 3 months), Aadhaar Card, Passport, or any other government-approved address proof.
  • Proof of Income: Recent salary slips, bank statements for the last three months, Form 16, or audited financials for self-employed individuals.

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Factors Influencing Eligibility

  • Age: Applicants should be between 21 and 60 years old. Add-on cardholders must be at least 18 years old.
  • Income: The applicant needs to have a stable income which shows his ability to repay the credit card debt.
  • Employment Status: ABoth salaried and self-employed individuals can apply, but a stable employment history may improve approval chances.
  • Credit Score: A good credit score of 700 or more can enhance your chances of approval.
  • Existing Debt: High levels of existing debt or multiple loans on your name can also lower your chances of eligibility.
  • Credit Utilization Ratio: Maintaining a good credit utilization ratio of your existing credit cards shows responsible credit management and can also enhance your chances of approval.
  • Location: Few AU credit cards or credit cards by other providers are exclusively available for a specific area. So you should keep your address in mind to before applying for a particular credit card.
AU Bank Credit Cards

FAQs

To apply for AU Bank Credit Cards the primary cardholder must be between 21 and 60 years old, and add-on cardholders should be at least 18. Residents of India with a stable income can apply for AU bank credit cards. The applicant can be salaried and self-employed but a good credit score and low level of debt can enhance your chances of approval.

Even though a higher credit score does not guarantee of your credit card approval. But a good credit score shows the responsible financial behavious and enhance your chances of approval. Applicants with a low credit utilization ratio (under 30%) and a stable employment history are more likely to qualify.

Even though the bank does not mention the exct income criteria but a stable income source is required. Generally low tier credit cards have a low income criteria meanwhile Higher-tier cards like Zenith and Vetta have a more strict income conditions. So you should check and ask the before applying.

Yes, a self-employed person with a stable source of income is eligible for AU Bank credit cards. The bank might also ask you for Income proof, such as ITR or business financials.

Maintaining a credit score above 700, a stable job or business, and a low debt-to-income ratio increases eligibility. Keeping credit utilization below 30% and making timely payments also help.

AU Bank does not explicitly offer student credit cards. However, students over 18 years old can apply for an add-on card if their parent or guardian has an AU Bank credit card.

Yes, but alternative income proof like bank statements, ITR, or business financials may be required. Salaried applicants may need employer certification or an official income document.

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You can access the following links to find detailed information and procedures related to managing your AU Bank Credit Card



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