Check Now Eligibility factors for SBI Credit Card


A credit card is an instrument that is beneficial to make instant credit-based transactions. Unlike debit cards, which are linked to the bank accounts and debit the corresponding amount for every transaction. Credit cards offer flexibility to make transactions on credit independent of the account balance. 

The popularity of the SBI Credit Card has emerged rapidly in today’s competitive Credit Card Market of India. It is important to match the SBI credit card eligibility before applying for an SBI Credit Card to ensure that the application is not rejected straight away.
Let’s have a glance at the basic criteria that all applicants need to fulfill:



The essential eligibility criterion includes:
  • Age must range between 21 years to 60 years. 
  • Monthly Income (varies across different credit cards) should be min. Rs. 20,000 per month
  • Regular and a stable source of income
  • Applicant must be Salaried or Self-Employed

The major factors that can influence the approval of the application for an SBI Credit Card are as follows: –
  • One must have a CIBIL score of 750+.
  • The D/I ratio must be below 40%.
  • There should be no history of defaults in repayment or write-offs in the Credit Report
  • the the profile must meet the eligibility criteria specified by SBI
  • The applicant must not belong to the blacklisted area.
  • Only the correct information must be shared.


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