What is the upper age limit for a credit card?
Matthew Harrington
Updated on February 12, 2026
18 years old
Key Highlights of Credit Card Eligibility
| Age | Minimum of 18 years old |
|---|---|
| Income | Fixed deposit or minimum monthly or annual income as set by the bank |
| Employment | Salaried or Self-Employed |
| Interest Free Period | Up to 55 days |
| ATM Cash Withdrawal Charges | From 2.0% to 3.5% of the amount withdrawn |
Does age affect getting a credit card?
How does my actual age affect my Credit Score? Your actual age doesn’t directly affect your credit age or your Credit Report. It will though be collected as part of any application for credit that you make and will be taken into account in terms of affordability and your ability to repay any borrowing.
Can you get a credit card with no income?
If you don’t have enough income to qualify for a credit card on your own, you still have options. Seek out a co-signer: Ask a friend or family member with a good credit score to co-sign your application. Secured cards are for people looking to build or rebuild credit, so income requirements tend to be more relaxed.
How can I build credit if I can’t get approved for anything?
3 things you should do if you have no credit history
- Become an authorized user. One of the simplest ways to build credit is by becoming an authorized user on a family member or friend’s credit card.
- Apply for a secured credit card.
- Get credit for paying monthly utility and cell phone bills on time.
Can a Bank refuse a credit card based on age?
Lloyds Bank has apologised and confirmed it is not the bank’s policy to refuse a credit card based on age. A spokesman said: “I can confirm that our policy is to assess all lending requests on an individual basis, regardless of age.” Lloyds Bank said that staff would be made aware of the “correct procedure”.
Can a senior citizen be turned down for a credit card?
If you’ve been turned down for a credit card as a senior citizen, maybe you’ve wondered if your age was the reason. By law, it shouldn’t be. Under the Equal Credit Opportunity Act, banks cannot reject your application because of your age.
What to do when your credit card is denied?
The transaction is denied by the issuing bank as there aren’t enough funds in the associated bank account to complete this payment or the transaction will put the customer’s credit card over the limit. Request a different card from a customer or ask them to contact their issuing bank. The card is expired and no longer valid to use.
What does it mean when your credit card is declined by your bank?
You can suggest a cardholder to use a separate card or try again after resolving the issue with their bank. This error indicates that the entered details are incorrect or your merchant facility is non-functional. The transaction is declined by the issuing bank that requested for retaining the card as it could be reported as lost or stolen.
