How to get a Credit Card in India as an NRI?

India is witnessing a rise in the need for NRI banking solutions lately. Why so? Because of the growing number of non-resident Indians (NRIs) settling abroad. There are approximately 15.85 million NRIs worldwide, and this number continues to grow every year as more Indians move overseas. The interest in Indian financial markets is increasing too, and access to tailored credit products has become more important than ever. Among these options, NRI credit cards offer great convenience.

Non-resident Indians can use them to manage transactions in India and abroad with ease while staying connected to their homeland's economy. The big question—how can an NRI apply for a credit card in India? Let's explore:

How Credit Cards are helpful for NRIs
Kotak’s NRI credit card options—secured and unsecured
Eligibility and documents required
Key charges and things to keep in mind

How NRI Credit Cards Actually Help — Secured vs. Unsecured

If you’re an NRI, you’ve likely faced financial obligations—such as paying for family expenses in India, booking a trip back home (and worrying about currency conversions), or simply trying to maintain a credit footprint in India while living abroad. This is where NRI credit cards step in.

Some cards are unsecured—no collateral, just your financial profile. Others are secured against a fixed deposit—ideal if you don’t have an Indian credit history yet but still want access to credit. Both types help to:

Build or maintain Indian credit history: Useful if you plan to take a loan or invest.
Give family easy access: Add-on card benefits; enable family members to use the card in India without transferring money.
Handle emergencies fast: No delays waiting for international transfers; your card covers it.

Credit Card Eligibility

Your eligibility to get a credit card depends on the following factors:

Age: The minimum age required for a credit card vary by the bank and credit card type.
Annual Salary: The minimum annual salary required depends on the credit card type.
Employment duration: Total tenure of your current job.
Credit Score: A score between 750 and 900 is considered to be a good credit score.
Existing Debt: Your credit card eligibility may be affected if you have active loans.
Location: Some banks offer credit cards only in specific cities.

Important Documents Required

Document required for Non-residential Indians (NRIs):

Identification proof: Passport or Driving License
Address proof: Driving license, Passport, Electricity Bill, Telephone or Post-paid Mobile Invoice, Bank account statement, Voter ID Card, Rental Agreement document, Lease Deed, Title Deeds of Property (Any one).
Mailing Address in Overseas: Driving License, Overseas Bank Statement, Government-issued ID card, Utility Bill, Credit Card Statements, Lease Agreement, Rent Receipt, Company Appointment Letter, Company ID Card, Passport (Any one).

While submitting your documents with the credit card application, ensure that the submitted proof matches the information mentioned in your application.

Kotak’s NRI Credit Card Options

Kotak offers both secured and unsecured credit cards, each with its own strengths depending on what you need:

The secured one — Kotak NRI Royale Signature Credit Card

This card is linked to your NRE/NRO fixed deposit. Good choice if you’re just starting to build credit in India. Click here to learn more about the features and eligibility of the NRI Royal Signature credit card.

The unsecured option - White Credit Card

A more premium offering for those earning ₹25 lakh+. Rewards tailored for luxury brands, complimentary lounges, fuel surcharge waiver, and annual fee waiver if you hit ₹5 lakh in yearly spends. Click here to learn more about the features and eligibility of the White credit card.

Things to Keep in Mind

While these cards offer flexibility, it is important to be aware of the terms and charges:

Foreign currency markup fees: Usually 1.5–3.5%; compare before choosing.
ATM withdrawal fees: Especially for international withdrawals.
Annual and joining fees: Can vary depending on the card type.
Late payment charges: Know what applies in case of missed dues.

Choose a credit card that complements your spending pattern for efficient usage. The NRI needs to set up a debit mandate on their NRE Savings Account to settle Kotak Credit Card dues in India. It will ensure hassle-free experience and no fuss over missing the payment due date.

Final Words

Credit cards can be highly beneficial for NRIs. If you frequently transact in India or wish to stay financially integrated, an Indian credit card is not just useful; it is quite smart.

With perks ranging from global spending convenience to INR-based rewards and seamless integration with your NRI banking accounts, it helps streamline your financial life. Choosing a reputable institution like Kotak promises a strong customer support and global infrastructure.

If you're planning a trip to India, applying for an NRI credit card could be very useful. Ready to get started? Explore Kotak's full suite of NRI banking services and enjoy a seamless financial journey across borders.

This Article is for information purpose only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Mutual Fund investments are subject to market risks read all scheme related documents carefully before investing