Where to get a Credit Card in India ?

**mr.microsoft** · 13-04-09, 11:01

Originally Posted by ssarkar

In Axis Bank I have an account and when I applied for a credit card they told me I could only can have it if my account is 6 months old and I must have Rs. 10000 as a balance in my account. I have completed 6months in last December though I haven't applied for it yet. Hope they will not demand Rs. 1lakh in my account as balance.

Yes you are right. In Axis bank they do not demand 1 lakh rupees. I have axis bank account and they told me the same that I need to have atleast 10000 balance in my account.

**lemon_1800** · 13-04-09, 20:45

Yes you are right. In Axis bank they do not demand 1 lakh rupees. I have axis bank account and they told me the same that I need to have atleast 10000 balance in my account.

You mean anyone who keep minimum 10,000 balance will get one credit card from Axis bank? I don't think so. They will also demand one should be an employed person with good salary.

**ashvini** · 14-04-09, 13:25

Originally Posted by lemon_1800

Yes you are right. In Axis bank they do not demand 1 lakh rupees. I have axis bank account and they told me the same that I need to have atleast 10000 balance in my account.

You mean anyone who keep minimum 10,000 balance will get one credit card from Axis bank? I don't think so. They will also demand one should be an employed person with good salary.

not necessarily we should be employed, few banks provide us the credit card based on our account transaction so may be we can try for that

**revvv1234** · 30-04-09, 20:20

You will not get credit card like you are saying my friend.At least it is not possible in india.

**lemon_1800** · 05-05-09, 09:09

@microsoft
Just now I confirmed we(Indians) can get a credit card from Axis bank if we have a minimum balance of Rs. 10,000 and 6 months old account. Plus we should carry lots of transactions during this 6 months. This requirements are more easier to fulfill than the Rs. 1 lakh kind of requirements in other banks.

**sekhar4m92** · 09-05-09, 20:10

Originally Posted by alensot

Getting a credit card is a difficult job now because of the world wide recession.You have to apply in banks like ICICI, Axis HDFC etc, but now the requirements are more to get a credit card for yourself.

Is it possible for me to have a Credit card bank where I have Consulted is Asking for Payslip proof or ITR info to apply for a credit card.... So I think Getting a crediut card is not a easy job....

**ssarkar** · 09-05-09, 20:25

Originally Posted by lemon_1800

@microsoft
Just now I confirmed we(Indians) can get a credit card from Axis bank if we have a minimum balance of Rs. 10,000 and 6 months old account. Plus we should carry lots of transactions during this 6 months. This requirements are more easier to fulfill than the Rs. 1 lakh kind of requirements in other banks.

Thanks lemon, you have at least confirmed what we have claimed before. Then we can have a credit card from Axis Bank, no need to deposit a large amount of money.

**vimstar2** · 10-05-09, 10:57

anyways, what i can say is that you can easily withdraw your money if you are not transfering huge amount you can keep your unverfied account only
otherwise, nationalized banks credit cards are much safer than going for a private bank like AXIS

**ssarkar** · 10-05-09, 13:07

Originally Posted by vimstar2

anyways, what i can say is that you can easily withdraw your money if you are not transfering huge amount you can keep your unverfied account only
otherwise, nationalized banks credit cards are much safer than going for a private bank like AXIS

Nowdays, there is no difference between the nationalised bank and pvt banks, as far as risk in concerned. If those credit cards are visa verified, then all are same, at least what I think.

**lemon_1800** · 10-05-09, 13:15

Thanks lemon, you have at least confirmed what we have claimed before. Then we can have a credit card from Axis Bank, no need to deposit a large amount of money.

Minimum balance Rs. 10,000 is not a concern to be, but the thing we should carry lots of transactions for at least 6 months before we apply for a credit card is really a concern to me. I'm sure I can't do much transactions now but maybe in the future.

**sekhar4m92** · 11-05-09, 04:20

Originally Posted by lemon_1800

@microsoft
Just now I confirmed we(Indians) can get a credit card from Axis bank if we have a minimum balance of Rs. 10,000 and 6 months old account. Plus we should carry lots of transactions during this 6 months. This requirements are more easier to fulfill than the Rs. 1 lakh kind of requirements in other banks.

Lemon are You Sure about it because I already have a Axis Bank account with minimum balance of Rs.5000/-, and if they Produce a Credit card for maintaining Rs.10,000 then it won't be a hard matter for me....Then I will Go for It

**lemon_1800** · 11-05-09, 06:08

Lemon are You Sure about it because I already have a Axis Bank account with minimum balance of Rs.5000/-, and if they Produce a Credit card for maintaining Rs.10,000 then it won't be a hard matter for me....Then I will Go for It

Yes I'm sure about it. But your account must be at least 6 months old and you must have done lots of transaction during these days, otherwise they may reject your credit card application.

**ssarkar** · 11-05-09, 06:47

When I gone to apply for a credit card, the transaction criteria is not said to me. Anyway, I have decided to apply for it now though I have not a veri high amount of transaction there. Let's see what's their reaction would be.

**sekhar4m92** · 11-05-09, 07:46

I'm ready to Deposit Rs.10,000/- as minimum balance , and I could do a monthly transaction at least Rs.10,000/-, can with this reason I could get a credit card of Any Bank in INDIA.