Those who are past 70 can apply for Easy Credit Cards, Credit Cards against FD, and make use of the immense benefits- 12500 Edge Points or 2500 INR on welcome and many more. This Privilege Card has been recommended by Bank Managers. FDs from 20 K onwards ! There is an annual fee of 1500, but you get 2500 on welcome. So you are +1000 at start !