By Divya Shokeen
Updated On November 24, 2023

The IndusInd Bank delivers its customers with many credit cards suiting their needs. The IndusInd Bank’s credit cards offer many exciting features & benefits like reward points/cashback, dining, travel, shopping, and much more. To understand the eligibility criteria while applying for an IndusInd Bank Credit Card, keep reading the following information.

IndusInd Bank credit card eligibility

Eligibility criteria for IndusInd Bank credit cards

The IndusInd Bank has laid standard eligibility criteria when issuing credit cards to applicants.

  • The applicant’s age must be between 21 years to 65 years.
  • Must be a self-employed individual or salaried employee.
  • Must be having a stable income source.
  • Must maintain a good credit score.

Documents required to apply for an IndusInd Bank Credit Card

When applying for an IndusInd Credit card, always keep these documents in hand with you, or if applying online always keep these documents as a scanned copy:

Identity Proof
(any one)
Aadhaar Card, Driving Licence, Voter’s Id, Pan Card, Passport, or any other government-approved ID.
Address Proof
(any one)
Aadhaar Card, Passport, Utility Bills (not more than 3 months old), or any other government-approved ID.
Income Proof 
(any one)
Bank Statement or salary slip of last 3 months, last 2 years’ audited financial report,  etc.

Top 10 Credit Cards offered by IndusInd Bank

Given below is a list of credit cards offered by the IndusInd Bank.
IndusInd Bank Platinum Credit Card
IndusInd Bank Payback Credit Card
IndusInd Bank Iconia Amex Credit Card
IndusInd Bank Pioneer Heritage Credit Card
IndusInd Bank Platinum Aura Credit Card
IndusInd Intermiles Voyage Visa Credit Card
IndusInd Bank Crest Credit Card
IndusInd Legend Credit Card
IndusInd Bank Indulge Credit Card
IndusInd Nexxt Credit Card

Factors that affect your IndusInd Bank credit card eligibility

Age: In case your age does not meet the requirement laid by the bank then your application might be rejected.
Income: The applicant must have a stable source of income when applying for an IndusInd Credit card. In case you don’t have a stable income then you cannot get a credit card.
Credit Score: A good credit score signifies your ability to pay back and also your past financial performance. A good credit score is generally above 700. Having a score below that might lower your chances to get the card.
Debt to Income Ratio: The Debt to Income ratio shows the amount of debt you owe against the income you hold. To get a credit card, the applicant must be having little or no debt at all.
Multiple Credit Card: In case an applicant already holds around 7 to 8 credit cards, then the chances to get a new credit card get lowered.
Payment Default: In case the applicant has defaulted on a credit card bill payment in past then this also will lower the chances to get a credit card
Multiple Applications: It is advisable to send just one application for the credit card to the bank at one time and wait for the response. Sending multiple applications will only lead to rejection.

How to improve your IndusInd Bank credit card eligibility:

In case you want to improve your eligibility to get the credit card then the following tips will help you to do so:

  1. The very first step to improving your eligibility is to avoid sending multiple applications for a credit card.
  2. If you do not meet the age requirement, then the only thing you can do is to wait for the age that is required or search for a card that accepts lower age.
  3. You can go with secured credit cards or an entry-level credit card if you are new to credit cards. You can also go with a BNPL (Buy Now Pay Later) card to build your credit score.
  4. If you have taken any loan, always settle your EMIs on time and never default on the payment.
  5. Apply for a credit card when you have a good Debt to Income Ratio.


To get approved for the IndusInd Credit Card, start with building a good credit score. Also, try not to send multiple applications for one credit card and also submit the documents with no error.

Yes, in case you have defaulted on any credit card bill in the past, the chances to get the credit card gets lowered.

The minimum age requirement to get the IndusInd credit card is 21 years. There are no credit card offered to 18 years old applicants.

700-750 is regarded as a good credit score and will help you get the credit card very easily.