How to Get a Credit Card on Card-to-Card Basis

If you have an existing credit card from any bank and you want Another Credit Card from the same bank or a different bank then you can get the new card with the help of your existing card without providing your income proof.

For example, you already have an ICICI bank's credit card and you want an SBI banks credit card then you can just use your ICICI banks card to get an SBI card without giving any income proof.

• You don’t need to show any income proof
• If your existing card has higher limits then you can get new premium cards even if you don’t have that much income

Example:

If you want to apply for super premium credit card like HDFC Infinia Credit Card then you need to have at least 45 lacks annual income but if your existing card has 8-10 lacks credit limit (as bank increases your credit limit overtime) then you can directly apply for that card without having 45 lacks of income.

*Image from : Standard Chartered Website

The first thing you will need it that you need to have an existing credit card obviously (secured or unsecured).

Every bank may not give you a credit card on your secured card(FD) but most of them will give you one on basis of an unsecured card.

Another thing is that some bank may ask for your job or business details for verification.

You do not need to have an existing relationship with a new bank to get a credit card.

You should also need a minimum of 30% credit limit available on an existing card while applying for the new card.

You may need to attach a photocopy of the front card details. Some bank even take imprints directly on the application form. (Never share photo or copy of the back of your credit card never…)

You may need to share past statements of your existing credit card. Some banks ask for the last month statement or the last 3 month or 6 month’s statements.

You should have a good CIBIL score or credit score.

You will need to show them your identity proof (aadhaar card, pan card..)

TIP: Keep your international usages off if you are not using it for international payments.(You can turn it off/on instantly via net banking or mobile app)

• Minimum of 21 Years
• Minimum 30% Credit Limit Availability
• Timely Payment of Your Old Cards Bill
• Decent Credit Limit

Even after you are eligible for a card, banks can approve or reject your application based on their internal policies.

**Data Collected from Some Sources (Not Official From Bank)

Note: Only Apply for New Card After 3 Months - 6 Months of Your Old Application.

There are 3 ways to apply on card to card basis

1. Via Branch (Recommended)

1. Any Third Party Agent (Not Recommended)

1. Via Banks Website Online

If you are applying online via the bank's website then when you get a call from a bank executive just tell them that you want to apply on the card to card basis.

When your verification will be completed, you will get an application number, you can use that to track your application status.

TIP: If you are applying with a third-party agent then make sure to take a photo of them and their ID card.

Do let me know if you have any question regarding this topic in the comment section or our social media.

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Card-to-card underwriting replaces your salary slip with your card file. When the new bank pulls your credit report, three things on it do the talking:

1. The existing limit. A Rs 3 lakh limit on your current card proves some bank already trusted you with Rs 3 lakh of unsecured credit.

1. The payment record. A year of on-time payments on that card is the strongest single data point you can bring; one missed payment outweighs a high limit.

1. Utilisation. The 30%-available rule is really a utilisation check — a card that runs maxed out every month reads as stress even when you pay in full.

1. Pick the card you want and confirm the issuer does card-to-card issuance for it — the branch is the place to ask, because phone-banking agents often only know the salaried route.

1. Keep ready the front copy of your existing card, the last 1 to 6 months of its statements, and PAN and Aadhaar for KYC.

1. Apply: branch, the bank's website, or a pre-approved offer inside your net banking (the fastest route when it appears, because the bank has already underwritten you).

1. Take the verification call and say plainly that you are applying on card-to-card basis — name the existing card, its limit and how old it is.

1. Track the application with the number you receive after verification. The limit offered usually tracks your existing card's limit, which is why the old card's health matters more than your pitch.

Say your existing card has a Rs 2,00,000 limit and you currently owe Rs 60,000. Available limit is Rs 1,40,000 — 70% — comfortably above the 30% floor the eligibility list asks for. Now the same application with Rs 1,80,000 owed: only Rs 20,000 available, 10%, and the outcome is likely a decline or a much smaller limit than you hoped for. Paying the statement down before applying is the cheapest approval boost there is — it costs nothing but a few days of timing.

A rejection is information, not a verdict. The usual causes, in order: utilisation above the bank's comfort line, a recent cluster of enquiries, a score dip you have not noticed, or an issuer that simply does not do card-to-card issuance for that product. Pull your free credit report, fix what shows, wait a quarter and apply again — or start from the secured-card route in the first-card guide and let the limit grow from there. The score mechanics behind all of this are covered in the credit score guide, and the improvement steps in this CIBIL walkthrough.