Ways to get a credit card without CIBIL Score

Credit cards have become an essential aspect of our life, from shopping to bill payments, travel expenses, and more. However, a solid credit score is required to receive credit cards with the best rewards. What happens if you do not have a CIBIL Score? Do not worry, you can get a credit card in India without a CIBIL Score.

When you apply for a regular credit card, banks look at your credit history and CIBIL Score to determine your creditworthiness. If you have no credit history or you have a zero credit score, it is difficult to obtain a credit card. However, many banks and financial institutions provide credit cards to customers who do not have a CIBIL Score. You can establish your credit history by using secured credit cards, add-on credit cards, prepaid credit cards, or credit cards depending on your salary statement.

Read about CIBIL Score -1

People looking for their first credit card may find it difficult to obtain one without a credit history. However, it is feasible to obtain a credit card with no credit history. Here are some of the ways to get a credit card:

• Students can apply for student credit cards with lower limits. 
• Employees with at least six months of experience may obtain a credit card based on their salary statement. 
• Obtaining an add-on credit card from a family member's card may be an option for senior citizens, young adults, and housewives without income. 

While you can get a credit card without a CIBIL Score, having a good credit score improves your chances of getting better credit card options and larger credit limits. The minimal CIBIL Score for a normal credit card is 750. However, some banks may approve credit card applications despite the applicant's poor credit score.

To summarise, obtaining a credit card without a CIBIL Score is possible. Knowing your options and choosing a card that meets your needs and matches your income will help you develop a credit history. Use your credit card wisely by making timely payments and managing your credit use. This increases your chances of obtaining a credit card upgrade and makes you eligible for superior credit card bonuses and rewards.

Using your credit cards responsibly by making timely payments and limiting credit utilisation will also help to build and maintain a healthy CIBIL Score.