SBI Credit Card Eligibility – Check Eligibility & Documents Requirement

State Bank of India (SBI) is the second largest public bank in India. SBI offers a huge variety of credit cards to the applicants. These credit cards have many benefits and rewards, making them popular for issuers. Therefore, before applying for SBI credit cards, it is important to understand the eligibility criteria. This article provides a detailed overview of the eligibility criteria for SBI credit cards, Covering basic requirements, Income proof, Age limit, Credit score, and more.

SBI Credit Card Eligibility Criteria

To begin with, let us have a look at the basic eligibility criteria for applying for SBI credit cards: 

Age Requirements:

• Minimum Age: The applicant must be at least 21 years old.
• Maximum Age: The maximum age limit is 60 years.

Citizenship Status:

• Indian Citizen: Only Indian citizens are preferred to apply for SBI credit cards. This includes people who have Indian citizenship or reside in the country. 

Income Requirement:

• Salaried: A salaried employee should have an income of INR 2 lakhs per annum or above.
• Self-Employed: The net income of the salaried employed should be INR 18,000 per month or above.

Credit Score:

• Good Credit Score: Your credit card score should generally be 700 and above. 

Address Proof:

• Valid Address Proof: The issuer should be able to provide proof of address.                  

Additional Specific Requirements for Different SBI Credit Cards

•  SBI PRIME Credit Card: Annual fee charges of rupees 2999, PAN Card, Aadhar Card, Bank Account Details and photographs are also required.
•  SBI Card Elite: Annual fees of rupees 4999, Aadhar Card, PAN Card, and Bank Account Details are necessary to apply. 
•   Central SBI Select+ Card: The mandatory documents to apply for this card are a PAN Card, Aadhar Card, Bank Account Details and photographs. The annual fee charge is rupees 2999. 

Documents Required for SBI Credit Cards

Proof of Identity	Details
PAN Card	Permanent account number card is mandatory.
Aadhar Card	A valid Aadhar card will be used as proof of identity.
Passport	A valid passport is also accepted.
Voter ID	You can also use the voter ID as a proof of identity.
Driving License	This can also be used for identification.
Rashan Card	This is also accepted as proof of identity.

Proof of Address:

• Utility Bill: Recent utility bills, which include electricity, Water or Gas Bills, are preferred.
• Aadhar Card: Aadhar card can also be accepted.
• Rental Agreement: A valid rental agreement can indicate current residence.
• Passport: A passport can be used as proof of current address. 

Additional Documents:

• SBI Account Proof: The SBI Account passbook can be used to prove that an applicant holds an account in SBI bank.
• Photographs: Passport-size photographs are mandatory for identification.

Proof of Income:

• Salary Slip: Latest salary slip for salaried individuals.
• IT Returns: Income Tax Returns/Form 16 is also mandatory.
• Bank Statement: The last 3-month bank statement is necessary.

Factors Affecting SBI Credit Card Eligibility

Some factors can affect the chances of approval for SBI credit cards:

• Low Credit Scores: Your credit scores and credit history play a crucial role in approval. To improve their eligibility, applicants should manage their credit scores. Low credit scores can impact your profile.
• Age: The applicant should meet the minimum and maximum age requirements according to the SBI bank. The minimum age required is 21 years, and the maximum is 60 years. 
• Job Stability: The bank would want the issuer to have a regular source of income so that the bank could ensure that the applicant can repay the borrowed amount.  
• Location: You must ensure that your location comes under SBI card service networks.

Chittoor	Vadodara	Amravati	Ajmer
Saharanpur	East Godavar	Valsad	Aurangabad
Jaipur	Varanasi	Guntur	Ambala
Buldhana	Jodhpur	Dehradun	Hyderabad
Hisar	Jalgaon	Kota	Haridwar
Krishna Panchkula	Kolhapur	Udaipur	Bankura
Medak	Rohtak	Latur	Gangtok
Bardhaman	Nalgonda	Shimla	Mumbai
Chennai	Darjeeling	Nellore	Solan
Nagpur	Coimbatore	Hooghly	Rangareddy
Jammu	Nanded	Cuddalore	Howrah
Visakhapatnam	Bokaro	Nashik	Dharmapuri
Jalpaiguri	Warangal	Dhanbad	Pune
Dindigul	Kolkata	Dispur	East Singhbhum
Raigad	Kanchipuram	Midnapore East	Guwahati
Giridih	Ratnagiri	Karur	Murshidabad
Kamrup Rural	Ranchi	Sangli	Krishnagiri
Nadia	Patna	Seraikela Kharsawan	Sindhudurg
Madurai	North 24 Parganas	Chandigarh	West Singhbhum
Thane	Pudukkottai	South 24 Parganas	Bilaspur
Bengaluru	East Khasi Hills	Salem	Delhi
Dhamtari	Belgaum	Ri-Bhoi	Thanjavur
Noida	Durg	Dakshina Kannada	Shillong
Thoothukudi	Ghaziabad	–	–

Conclusion:

Understanding the eligibility criteria is the most important for successful applications. Meeting the basic requirements such as Age, Nationality, Income Proof, and good credit scores. It is mandatory to provide the necessary documentation for SBI credit card approval. Prospective applicants should carefully review these criteria and ensure that they meet the necessary eligibility criteria before applying for an SBI credit card.

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