I am 18. Can I apply for credit card with bank?
When it comes to credit cards, age plays an important role in eligibility. In India, you must be at least 18 years old to apply for a credit card. However, most banks prefer applicants who are 21 years or older since they’re more likely to have a stable income.
There isn’t really a strict maximum age limit, but lenders usually consider your repayment capacity. For senior citizens, approval often depends on having a steady pension, investments, or a joint account with a younger family member.
Interestingly, some banks also offer add-on credit cards to individuals below 18, but these are linked to a parent’s or guardian’s primary card.
Hope this clarifies your doubts.