Identify the various credit card plans, interest rates and terms and conditions through the websites of various organizations, such as HSBC Bank and Andhra Bank. Choose a card that suits your requirements.
Check the validity of the cards. Some cards are globally valid, but others are not. If this information is not given online, check it by contacting the bank in person or by phone. Andhra Bank, for example, has a Visa Classic card that works only in India and Nepal, while its Visa Gold card is valid globally. Each credit card has a different set of income requirements.
Open an account with the specific bank. This is mandatory for some banks in India. HSBC in India, for example, requires its credit card users to open a bank account with it.
Download the application from the relevant Indian bank and the relevant credit card. Fill out the application online or in paper. Andhra Bank's credit card application is available from its website, while HSBC Bank has a link to phone numbers specific to credit card services.
Collect the necessary financial documents that you must submit along with the credit card application. This may be a salary slip or certificate, latest personal income tax returns or the latest three months' of bank statements indicating salary credits.
Gather a proof of residence,which may be Indian visa/passport, telephone bill, gas bill or an Indian driving license.
Gather a copy of tax receipt or electricity bill, in case you have your own home in India.
As an American, you must get your own copy of a PAN card (Personal Account Number in India used for tax identification) or fill out form 60/61--a form of declaration for those without PAN cards.
Fill out and submit the application form along with the documents to the bank of your choosing.
