By Kartik Kanwar
Updated On January 10, 2024

Looking to get an AU Bank Credit Card? It’s best to learn all the eligibility criteria and formations surrounding them before applying. Understanding the eligibility criteria and necessary documentation is important for a smooth application process. Whether looking for a premium credit card or starting with an entry-level option, the key lies in meeting specific requirements. From age limits and income stability to credit scores, with our article, you can easily figure out the eligibility for an AU Bank Credit Card.
Check AU Bank Credit Card Eligibility

Eligibility Criteria for AU Bank Credit Cards

Many AU Bank Credit Cards have different eligibility criteria. While premium credit cards would require a higher income, entry-level credit cards can also be availed to youngsters with no income source. The ixigo AU Credit Card requires cardholders to be registered on the ixigo platform. Given below are some of the most common eligibility criteria for an AU Bank Credit Card.

  • Primary cardholders should be between the ages of 21 and 60.
  • The add-on cardholder should be over 18 years old.
  • Applicant must be a resident Indian.
  • The applicant must have a stable income.
  • A credit score of 750 or above.

Documents Required

While applying for an AU Bank Credit Card, you might be asked to present the following document.

  • A PAN Card is a must for applying for a credit card.
  • Proof of income is also required while applying for a card. Even for limit enhancement, you would need to show the latest income.
  • While filling out the application form, you shall also be asked to provide your employment details.

Determining Factors for AU Bank Credit Card Eligibility

The bank will determine your eligibility for a credit card on certain criteria. Here are a few of them.

  • Age: The age requirement plays a big role when applying for a credit card. If your age is below the minimum age requirement, then there is a high chance your application will be rejected solely based on this basis.
  • Income: Another factor that could affect eligibility for an AU Bank Credit Card is income. Credit card issuers check whether the applicant has a stable income or not; having a stable income indicates your repayment power.
  • Credit Score: A good credit score falls between 700 and 750; below this is considered a bad credit score, which can affect your eligibility requirement for the AU Bank Credit Card.

How to Improve your AU Bank Credit Card Eligibility?

There are many ways through which you can improve your credit eligibility; a few of them are as follows:

  • Increase Credit Score: You can improve your AU Bank credit card eligibility by improving your credit score. Having said that, to improve your credit score, you need to clear your dues, or if you have no dues or credit history, then you can start your credit journey by taking an entry-level credit card or secured credit card.
  • Paying Bills on Time: Having no outstanding dues can increase the chances of your AU Bank credit card application getting approved.
  • Reducing Debt-to-Income Ratio: Having a stable income and less debt can help you get a credit card easily.


Without a declared income, it is difficult to get a credit card. An individual can always opt for a secured credit card and thus begin their credit journey. Later on, when your credit history develops, you can apply for a credit card.
To increase the chances of your credit card application approval, ensure you meet the eligibility requirements, avoid submitting multiple applications at once, and improve your credit score by clearing all outstanding dues.