Default Card wise Eligibility Criteria

WCP Promo
S. No. Surrogate
Promo Codes Air India Air India
Code IRCTC SBI Yatra SBI FBB SBI SBI SBI
Card Card Card Platinum Signature

Age <25 CAT A & CAT B - Net >= 20,000 (Bureau Match) &
Net >= 40,000 (Referred case)

Age 26-30 CAT A & CAT B - Net >= 20,000 (Bureau

IQSA/IQM Match) & Net >= 25,000 (Referred case)
1 Income IQWP A

Age 31-40 CAT A & CAT B - Net >= 30,000

(Bureau/Referred case )

Age >40 CAT A & CAT B - Net >= 40,000 (Bureau/Referred

case)

Card
2 against SAWP SASS Competition Card Limit: 30000
Card

EDC -
3 Charge EDWP EDEG Charge Slip of Min. Rs. 300
slip

Age <25 CAT A/B/C & Self Employed - >= 4 Lac (Bureau
Match) & is
>=not
4.8Allowed
Lac (No Bureau Match)
No Bureau match & Average Balance not
required for IQCS
IQCS Age 26-30 CAT A/B/C & Self Employed - >= 4 Lac
IQNC Age 31-40 (Bureau /No&Bureau Match) - >= 4 Lac
CAT A/B/C Self Employed
(Bureau
A/B/C/No Bureau Match)- >= 4.8 Lac
Age >40 CAT & Self Employed
4 ITR IQWP (Bureau /NoEmployed
Bureau Match)
Age <25 CAT A/B/C & Self - >= 2.5 Lac (Bureau
Match)
Age 26-30 CAT A/B/C & Self Employed - >= 3 Lac
(Bureau /No& Bureau
IQLI Match)- >= 3.6 Lac
Age 31-40 CAT A/B/C Self Employed
(Bureau
A/B/C/No Bureau Match)- >= 4.8 Lac
Age >40 CAT & Self Employed
(Bureau /No Bureau Match)
We will be qualifying customers, basis their internal risk
No category and repayment details observed in the bureau.
Surrogate
5 NSDP These customers will be qualified at QDE stage itself, so
Document that it obviates the need to collect their under-writing
Program documents.
 We will be qualifying customers, basis their internal risk
No category and repayment details observed in the bureau.
Surrogate
5 NSDP These customers will be qualified at QDE stage itself, so
Document that it obviates the need to collect their under-writing
Program documents.
 Surrogate wise Documentation Details
Mandatory Checks
Surrogate Documents from Customer

Account No. & Bank Name

must be there in Salary Slip. 2 consecutive month salary slip
In Case it not there we Form 16(Last financial Year) + 2 month Bank
required 3 Months Bank statement
Statement

Usage is not more 70% of Credit card copy + Latest card statement
the credit limit. No Negative ( Consecutive 2 Statement)
Finance charges

Credit card copy + Chargeslip (Not more

Not mote than 15 Days old than 15 days)

Pan Card Copy

Average balance of Rs. Latest ‘Bank Statement or Passbook’ of listed
20000 Required & bank banks for latest 3 Months (For Bureau Match
Statement’ of listed banks segment)
of latest 3 months.
At the time of QDE decision, ITR Acknowledgment Copy (2018-2019)
a new status code Soft
Approve without
documents would be
displayed for all eligible
applications. These
applications can be fulfilled KYC + Photo )Income document, CAC and
without any surrogate EDC would be eligible for this program,
document; however KYC provided the mode of CIBIL consent is App
documents would be code)
required. Post QDE, all the
qualified applications would
be processed with NSDP
generic promo codes.
 documents would be
displayed for all eligible
applications. These
applications can be fulfilled KYC + Photo )Income document, CAC and
without any surrogate EDC would be eligible for this program,
document; however KYC provided the mode of CIBIL consent is App
documents would be code)
required. Post QDE, all the
qualified applications would
be processed with NSDP
generic promo codes.
 Surrogate wise Documentation
Card wise Eligibility Criteria Details
S. No. Surrogate Mandatory Checks
Surrogate Documents from
cobrand cards Customer

Age 21 -25 CAT A & CAT B - Net >= 20,000 (Bureau Match) & Net >= 40,000
(Referred case)

Age 26-30 CAT A & CAT B - Net >= 20,000 (Bureau Match) & Net >= 25,000
Account No. & Bank Name must be there in Salary Slip. In Case it not 2 consecutive month salary slip
1 Income (Referred case)
there we required 3 Months Bank Statement along with 2 months payslip Formmonth
16(Last financial Year) + 2
Bank statement
Age 31-39 CAT A & CAT B - Net >= 30,000 (Bureau/Referred case )

Age 40 CAT A & CAT B - Net >= 40,000 (Bureau/Referred case)

No Negative Finance charges should reflect in th CC statement like late Credit card copy + Latest card
Card against fee charges, immediate payment, overlimit and checque bounce, incase
2 Competition Card Limit: 30000 statement ( Consecutive 2
Card of late fee charges in the current month statement, than previous month Statement)
and current month statement need to be collected

Pan Card Copy

Age 28 - 39 CAT A/B/C & Self Employed - >= 4.5 Lac (Bureau Match) Latest ‘Bank Statement or
Passbook’ of listed banks for
Average balance of Rs. 20000 Required & bank Statement’ of listed banks
3 ITR latest 3 Months (For Bureau
of latest 3 months. Match segment)
ITR Acknowledgment Copy
Age 40 CAT A/B/C & Self Employed - >= 4.8 Lac (Bureau match (2018-2019)

At the time of QDE decision, a new status code Soft Approve without
documents would be displayed for all eligible applications. These
We will be qualifying customers, basis their internal risk category and applications can be fulfilled without any surrogate document; however
No Surrogate repayment details observed in the bureau. These customers will be qualified KYC documents would be required. Post QDE, all the qualified
4 Document KYC + Pan card copy
at QDE stage itself, so that it obviates the need to collect their under-writing applications would be processed with NSDP generic promo codes.
Program documents.