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Getting a credit card without CIBIL score is possible, but it often depends on the lender’s policy. Most banks in India check your CIBIL score to assess repayment history. However, individuals without any credit history, often termed as “new-to-credit”, can still find suitable options.
These include secured cards, fintech-backed cards, and prepaid solutions. If you’re wondering how to get a credit card without a CIBIL score, knowing the right route can make the process simpler.
Some cards may offer limited credit or require collateral, but they help establish your credit profile. These options allow users to spend, repay, and build a CIBIL score over time.
CIBIL score is a 3-digit number that reflects your creditworthiness. It is based on your past loans, credit cards, and repayment history.
Most Indian banks rely on this score to evaluate risk before issuing credit. A higher score (above 750) usually leads to faster approvals and better credit limits. If you have no credit history, the score is marked as ‘NA’ or ‘NH’, which can make traditional approval difficult.
Lenders hesitate to issue cards in such cases due to lack of data. This is where no CIBIL score credit card options come in, offering a way to start your credit journey.
Banks and financial institutions usually prefer applicants with a strong credit history. However, some products are designed specifically for people with no prior credit data. These instant credit card without CIBIL score options may come with lower credit limits or require fixed deposits as security.
For example, some banks offer secured credit cards against a fixed deposit. Others, especially fintech companies, issue credit card options linked to UPI apps or prepaid accounts. These cards do not need prior credit history for approval.
If you are wondering, “can I get a credit card without a CIBIL score?”, the answer is yes, provided you meet the issuer’s alternative criteria such as stable income, KYC compliance, or collateral.
If your CIBIL score is 0, it means you do not yet have any credit history. In such cases, secured credit cards or fintech-issued cards are viable options. These are designed for new borrowers and often do not require an existing credit profile for approval.
Here are some common without CIBIL score credit card options you can consider:
Issued against a fixed deposit, usually offering 80–90% of the deposit value as credit limit.
These are reloadable and help manage spending. While they don’t build credit, they offer similar usage flexibility.
Available to college students, often without needing income proof or credit score.
You can request a supplementary card under a family member’s account to start building your own history.
Each of these helps create a track record that can later support your CIBIL score. Choosing the right product when looking for a credit card without CIBIL can help you build credit responsibly.
Applying for a credit card without a credit history is straightforward if you choose the right type of card. Follow these steps to get started:
Choose from secured cards, prepaid cards, or fintech-backed options depending on your income and preferences.
Check which banks or fintech companies offer cards for individuals with no credit history. Compare features, charges, and credit limits.
Basic KYC documents like PAN card, Aadhaar card, and income proof (for unsecured options) are usually required.
Many issuers allow you to apply online for a credit card without CIBIL score through their websites or apps. You can also visit a nearby branch.
The issuer will verify your documents, deposit (if applicable), and other eligibility criteria before approval.
Once approved, your card is delivered. Activate it through net banking or the mobile app to start using it.
Following these steps makes it easier to access a credit card without CIBIL score, especially if you're starting from scratch.
If you're unable to get a card, or prefer a different approach, you can consider the following alternatives to traditional credit cards:
Offered by select banks and NBFCs, these are small loans designed to help individuals build credit through timely repayments.
These work like debit cards and are ideal for controlled spending, though they do not impact your credit score.
Lenders offer short-term credit at checkout with no prior credit history required.
Becoming a supplementary cardholder on a family member’s account can help you build a credit footprint.
These options are useful while you prepare for your first card. Choosing wisely can support your goal of qualifying for a no CIBIL score credit card in the future.
Establishing a credit history is essential for future approvals and better terms. Here are some ways to start:
Apply for a card backed by a fixed deposit. Use it regularly and repay on time to build your CIBIL score.
Timely payments on utilities, rent (if reported), or EMI plans help build your repayment profile.
Keep credit usage below 30% of your limit. Low utilisation shows financial discipline.
A short-term consumer durable loan or credit-builder loan can help you start a repayment history.
Regularly track your CIBIL report to ensure accuracy and understand your current status. You can access your CIBIL report for free once a year from the official CIBIL website or any RBI-approved credit bureau. This helps you review your credit status and identify any errors.
These practices improve your chances of qualifying for better credit offers. Once you have some history, without CIBIL credit cards can be upgraded to a standard card.
Understanding the pros and cons can help you make the right decision.
Easier Access
Many fintech platforms and banks allow instant credit card without CIBIL score approvals with basic documentation.
Credit Building
Using such cards responsibly helps establish your CIBIL profile for future financial products.
Controlled Spending
Prepaid and secured cards offer limited credit, making them ideal for first-time users.
Low Credit Limits
Without a credit history, issuers may offer lower limits than standard cards.
Higher Charges
Some fintech or secured card providers may charge joining or annual fees.
Limited Rewards
Entry-level cards may lack cashback, travel benefits, or reward points.
Assess these factors carefully before choosing a credit card without CIBIL to match your financial needs.
Once approved, managing your card well is crucial to build trust with lenders and improve your credit profile.
Missing even one due date can reflect poorly. Set reminders or auto-pay for the total amount due.
Try not to exceed 30% of your credit limit. High usage may signal risk, even if repaid later.
Use net banking or mobile apps to monitor expenses and avoid surprises at billing time.
Withdrawing cash from your credit card attracts high interest and should be avoided unless urgent.
Check for errors or unauthorised charges and report them immediately.
While a CIBIL score is the most commonly used credit rating system in India, not having one doesn't entirely prevent you from getting a credit card. You can still explore options like secured credit cards and prepaid credit cards.
Secured credit cards require a security deposit (typically in the form of a fixed deposit) which serves as collateral for the credit limit. This allows you to build your credit history by using the card responsibly and making timely payments.
Individuals with bad credit scores might have fewer options, but obtaining a credit card is still possible. Some banks offer unsecured credit cards specifically catering to subprime borrowers, but these often come with higher interest rates and annual fees.
These cards typically have significantly higher Annual Percentage Rates (APRs) compared to cards for individuals with good credit scores, making borrowing more expensive. They might also have annual fees and other charges, further increasing the overall cost.
Yes, becoming an authorised user of a friend or family member's credit card with good standing can help you build a credit history. Additionally, credit builder loans can be another option, allowing you to borrow a specific amount, make regular payments, and improve your credit score upon successful completion.
Banks might assess factors beyond your credit score, including your employment history, annual income, existing debts, and banking relationship with the institution.
You may prioritise making your payments on time to avoid late fees and negative impacts on your credit score. You can also ensure that you have a low credit utilisation ratio by utilising a small part of your current credit limit. Monitoring your credit report regularly for errors can help you address any issues promptly.
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Posted on 16 May
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