How to get Credit Card Without CIBIL Score ?

I have shared a few options for how to get credit card without CIBIL score. Getting a credit card in India without a CIBIL score is challenging but not impossible. A CIBIL score is a crucial factor for most banks and financial institutions when approving credit cards.

How to Get a Credit Card without CIBIL Score?

However, there are alternative ways to obtain a credit card even without a CIBIL score.

1. One of the most common ways to get a credit card without a CIBIL score is by applying for a secured credit card. This type of card requires the applicant to deposit an amount in a fixed deposit (FD) with the issuing bank as collateral. 
2. The credit limit is usually equal to the FD amount. This option allows you to build or rebuild your credit history, and after using the card responsibly, you may qualify for an unsecured card in the future.
3. Some banks offer credit cards to individuals with no credit history or CIBIL score under the "new-to-credit" category. These cards are typically designed for first-time credit users or those with limited credit history. Banks may approve such cards based on factors like income, employment stability, and other financial documents.
4. If you have an existing relationship with a bank, such as a savings account or fixed deposits, the bank may consider your financial discipline while approving a credit card, even without a CIBIL score. Long-standing relationships may increase the chances of approval.
5. Getting an add-on credit card linked to a family member's account might be possible if they have a solid credit history. Issuers might be lenient and accept add-on cards, even for people without a CIBIL score, because the principal cardholder bears the responsibility for repaying the credit card.

While not exactly a credit card, prepaid cards offer similar benefits, such as online shopping and bill payments. These cards don\'t require a CIBIL score and can serve as an alternative to a regular credit card. This is how to get credit card without CIBIL score. Get Up to Rs. 10 Lakhs Instantly in Your Account Via NB Instacash  Read more How to Foreclose ICICI Credit Card EMI

Hey,

Using credit cards on a shopping spree has become a common habit. I get 

reward points, special deals, and crazy discounts this way. Banks usually check credit reports, CIBIL score, and income before approving the application for credit card. I didn't know before that you could get credit card without CIBIL score. 

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The CIBIl score is verified to check whether the cardholder is creditworthy or not. This means checking whether you can make payments on time or not. Ideally, you need a CIBIL score between 700-900 to get a card. 

How to get credit card without cibil score? Secured credit cards :

Many banks offer secured cards against fixed deposits to their customers. These cards don't have a long approval process. These cards have a credit limit set by the lender(bank).

Evidence :

You can get a card credit if you show evidence of your income. The bank needs proof to verify you can pay off the credit bill each month. You will be required to submit your payment receipts. Most banks have different criteria. 

Savings account :

Few central banks currently offer customers credit cards against savings accounts. You will need to deposit a certain amount of funds to the (saving account) bank. The terms and conditions of this option are set by the lender. 

Additional Card :

If a family member has a credit card, you can get an add-on credit card. The add-on card has the same features as the primary credit card. 

This is all from my end. I hope now you have a clear answer to ‘ If you can get credit card without cibil score’.

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