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Getting a credit card has become more accessible as you can get one even if you do not have a bank account. As long as you qualify for the card as per the terms set by the financial institution, you can get quick approval. 


Increase your purchasing power and make payments more rewarding with this financial tool. You can also opt for secured cards backed by a fixed deposit if you have a low credit score or are new to credit. Alternatively, you can apply for add-on cards for your family members.

Steps to Apply for a Credit Card Without a Bank Account

Digital verification has made it easy to get a credit card without an account. You can easily choose a card from top financial institutions and enjoy hassle-free transactions.  


Here is how you can apply:

  1. Search for financial institutions providing cards without asking for bank account details

  2. Meet the issuer’s required eligibility criteria

  3. Submit necessary documents, such as ID and address proof

  4. Apply online or offline based on the issuer’s process

  5. Wait for approval post verification of documents

Eligibility Criteria and Documents Required

Before applying, confirm if you meet all the eligibility criteria and have the required documents for seamless application. Here is an overview of the requirements:

Eligibility Criteria

  • Your age must be at least 18 years

  • You must be either an Indian resident or a Non-resident Indian (NRI)

  • You must be salaried or self-employed with a regular source of income

  • You must have a credit score of 700 or above

  • You must meet a minimum income requirement, which varies with the issuer

Documents Required

  • Proof of Identity 

    1. Aadhaar card 

    2. PAN Card 

    3. Voter’s ID 

    4. Passport

  • Proof of Residence 

    1. Utility bills 

    2. Ration card

Frequently Asked Questions

Can you have a credit card without a bank account?

Yes. You can compare various options on the Bajaj Markets platform and apply for one with minimal formalities.

What card does not require a bank account?

You can get several credit cards without the need for a bank account. Explore various options on Bajaj Markets as they do not come with a prerequisite of having a bank account.

Can you get a credit card on your own?

Yes, if you meet the eligibility criteria, which generally revolves around age, credit score, and source of income. If you meet these requirements, you can get a card even without a bank account.

Can I get a credit card without income proof?

It is difficult to get a credit card without income proof because issuers require paperwork that demonstrates regular income. Consistent income showcases repayment capacity and improves your chances of approval.

Which type of card can I get if I do not hold a bank account?

Many issuers allow you to get a regular credit card even if you do not have an account. Alternatively, you can get a prepaid card, where you pre-load the required cash and use it for your payments.

Can I apply for a credit card without a salary slip?

Different issuers have different requirements, and some may allow you to apply for a card without payslips. However, you may have to submit alternate income proof, such as Form 16, bank account statements, and ITRs.

What is the easiest credit card to get without a bank account?

You can easily choose from 30+ cards from top issuers on Bajaj Markets and check your pre-approved credit card offers.

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