2 min read
05 Jan 2021

With a credit card in your wallet, you can shop with just a swipe, make several cashless transactions based on your credit limit, take care of last-minute hotel or travel bookings and do much more.

However, to avail of a credit card, you need to conform to a list of terms and conditions. Apart from basic identity and age-related criteria, most issuers require you to earn the minimum salary for credit card approval. This criterion helps them gauge whether you have adequate income to repay the credit you use. Thus, availing of a credit card without a salary is not an easy task. Fortunately, there are 3 other ways through which you can get a credit card without income. Read on to know what they are.

Additional read: How to read credit card statement

Apply for an add-on Credit Card

Another way to get a credit card without salary is by requesting an add-on credit card. If a family member has a primary credit card, the issuer may approve of an additional card. Here, it’s important to note that the add-on and primary cardholder share a credit limit. Also, when approving an add-on credit card, the issuer only checks the primary cardholder’s credit score and history, thereby eliminating the need for your income proof.

Apply for a secured Credit Card

If the other two methods of availing of a credit card without income don’t suit you, you can apply for a secured variant. Issuers offer a secured credit card against collateral such as a fixed deposit or a mutual fund. In some cases, they also require you to make a security deposit.

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This option is excellent if you earn the required minimum salary for a credit card but have a limited credit history. In this case, you can also use this card to build your credit score successfully.

Additional read: Convert credit card purchases into EMI

Once you earn an adequate income, upgrade to a feature-packed credit card like a Bajaj Finserv RBL Bank SuperCard. It combines the power of four cards in one, offering you a plethora of benefits. In addition to credit transactions, interest-free cash withdrawals from any ATM in the country for up to 50 days. You can also convert purchases of Rs. 2,500 or more into easy EMIs.

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