18 years old. According to the inquiry of Bank of Communications in official website, the age requirement for Bank of Communications to apply for a credit card is 18 years old and a citizen with full civil capacity. Other requirements include a stable job and income, the ability to repay the principal and interest on schedule, and the ability to provide valid identification, work certificate, income certificate and residence certificate. Bank of Communications, established in 1908, is one of the six largest banks in China and one of the oldest banks in China.