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How to get a credit card without income or salary

  • Highlights

  • Your income is directly linked to your repayment ability

  • In the absence of income, apply for a student credit card

  • Without a salary, you can consider an add-on credit card

  • Get a secured credit card by offering collateral

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

However, in order to avail 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 a credit card without salary is not an easy task. Fortunately, there are 3 other ways through which you can avail a credit card without income. Read on to know what they are.

Additional Read: How to Read Credit Card Statement

Apply for a student credit card

As a student, you may have a part-time job or earn nominal pocket money. However, this won’t be sufficient to meet the minimum salary requirement. Fortunately, most issuers today offer specialised credit cards for students, keeping in mind your specific needs. These cards are likely to have a relatively lower credit limit of up to Rs.15,000, with certain limitations on usage. On the bright side, a student credit card has nil or minimal joining fees and low annual fees too, which makes it a cost-effective proposition. Even though this card isn’t packed with features, it does the job when it comes to financing emergencies.

Moreover, using a student credit card can help you build a good credit score before you graduate. This will help you avail credit on competitive terms in the future. You can get this credit card on the basis of an FD or a savings account that you have with the issuer.

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Apply for an add-on credit card

Another way to get a credit card without salary is by requesting an add-on credit card. In case 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

In case the other two methods of availing 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.

Additional Read: Credit card against fd

Note that this option is excellent option 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 start earning 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, you can avail a 90-day, interest-free emergency loan basis your credit limit, and make interest-free cash withdrawals from any ATM in the country for up to 50 days. You can also convert purchases of Rs.3,000 or more into easy EMIs. What’s more, you can apply for this versatile card by meeting simple eligibility terms and producing minimal documentation. So check your pre-approved credit card offer before you apply and enjoy express approval.

Additional Read: kisan Credit Card

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