Retirees need to provide retirement certificates and monthly income certificates when applying for credit cards. It is best to have famous real estate, cars and other assets.

Different banks have different requirements for retirees to apply for credit cards:

Banks such as Bank of Communications, China Construction Bank, China Merchants Bank and Agricultural Bank stipulate that retirees over the age of 60 cannot apply for credit cards, while those under the age of 60 can do so with their ID cards, permanent residence certificates, income certificates or deposit certificates.

The conditions of ICBC and Huaxia Bank are relatively relaxed, and retirees under the age of 65 can bring their asset certificates and the original and photocopy of their ID cards.