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Among the various financial tools available to individuals, credit cards are the most rewarding, provided you use them wisely. Banks and financial institutions offer different types of credit cards that cater to diverse consumer needs and lifestyles. Depending on your spending patterns and habits, you can select a credit card with the most benefits. These cards give you instant access to a line of credit, and you can utilise this credit to purchase products and services.


You will have to repay the amount to the lender at a later date, but this easy access to credit makes credit cards highly attractive. However, as you have to repay the amount you borrow, credit card lenders carefully assess your creditworthiness. Typically, you are required to provide proof of income while applying for a credit card. However, there are lenders that provide credit cards without income proof under certain conditions.

Procedure to Apply for a Credit Credit without Income or Salary Proof

Not all lending institutions ask for income proof while issuing a new credit card. Nevertheless, knowing how to get a credit card without income proof is beneficial, as you can increase your chances of approval.


  • Create a Bank Account: First and foremost, it is essential that you have a bank account. Having a bank account serves as a credible source for lenders in the event that the applicant defaults on payments.

  • Opt for a Joint Applicant: If your spouse or an immediate family member earns well, and has a good credit history, you can include them as a co-signer or a joint applicant. The lending entity will assess their income and creditworthiness, and you, as a primary applicant, won’t have to provide your income proof.

  • Be Responsible: While a credit card empowers you to purchase expensive items, it is crucial that you are responsible with credit. You must ensure that there is no debt, and that you monitor your expenses. Additionally, have a plan in place to keep your spending in check. You can do this by opting for a secured credit card, or by applying for an entry-level credit card.

  • Debt Consolidation: If you do not have a regular income source – or earn less, you must focus on debt consolidation to better manage your debt. This way, you can streamline your debt payments, reduce the interest rate, and simplify the repayment process. This, in turn, will reduce your debt-to-income ratio, and you can ensure that your debt doesn’t go out of hand.

  • Check Your Credit Report: Your credit report is the most important document that summarises your financial health, and determines your creditworthiness. Lenders will assess your credit report when you apply for a credit card, and decide based on the information provided in your credit report. For this reason, you must check your credit report occasionally to ensure there are no errors. This also helps you obtain the best credit card without income proof.

  • Report Income Through All Sources : To build credit, you must report income through all the sources, especially if you are a freelancer. This way, you can avail of a credit card, even though you may not be able to provide proof of income.

Furthermore, there are a few ways in which you can secure a credit card, even if you cannot provide income proof.

Ways to Obtain a Credit Card Without Providing Income Proof

  • Secured Credit Card - You can apply for a secured credit card by providing a security deposit as collateral. Thus, no income proof is required for this credit card, and the credit limit is backed by the security deposit. Various banks and financial institutions in the country offer credit cards against fixed deposits. You get a credit limit that translates to 75-80 percent of the FD amount.

  • Student Credit Card - If you are a student currently enrolled in a college or university, you can apply for – and get a student credit card. These credit cards require lower or no income, and typically come with lower credit limits.

  • Credit Card Against a Primary Card - You can also get a credit card against a primary credit card owned by a family member. To get this add-on credit card, the primary credit cardholder must have a good credit history and a decent annual income. Thus, obtaining a credit card without providing your salary slips is possible.

Banks that Offer Credit Cards without Proof of Income

Various banks today offer credit cards to applicants without requiring income proof. Some of these banks include:


  • State Bank of India (SBI)

  • Axis Bank

  • Andhra Bank

  • Bank of Baroda (BoB)

  • Syndicate Bank

  • Central Bank of India

  • Kotak Mahindra Bank

Two of the most popular credit cards that do not require income proof are the SBI Unnati credit card and Axis Bank Insta Easy credit card.


  • SBI Unnati Credit Card: This secured credit card is perfect for basic necessities, such as paying bills or online shopping. You can apply for the SBI Unnati credit card if you have taken a fixed deposit worth ₹25,000 or more. This credit card is free for the first four years and offers many benefits. It is also widely regarded as the best credit card without income proof requirement. To be eligible, you must be an Indian resident aged between 18 and 65.

  • Axis Bank Insta Easy Credit Card: This chip and pin-enabled credit card is offered against your FD with Axis Bank. The card provides 50-day free credit, high cash withdrawals, a flexible credit limit of up to 80 percent of FD’s principal value, and assured approval. You can also withdraw up to 100 percent of your credit limit from the first day!

FAQs on How to Get a Credit Card without Income Proof

Yes. You can apply for a credit card with a co-applicant, or opt for a secured credit card against collateral, such as your FD or mutual fund. You can get these credit cards without income proof.


Yes. You can apply for – and get a credit card without providing your income tax returns. Typically, lending institutions do not ask for ITRs at the time of application.


Yes. Whether you’re self-employed, salaried, or unemployed, you can get a credit card without income proof by applying for a secured credit card. You only need to have the funds available as collateral or security, and you can get a credit card against the fixed deposit amount.


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