How to Get Credit Card Without CIBIL Score?

Credit Card
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Hey!how to get credit card with low CIBIL score? Please share tips.

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If you do not have a CIBIL score, which is credit history, the easiest way to start is with a secured credit card.

I actually went this route myself. All I had to do was open a fixed deposit with my bank. Based on that deposit, the bank gave me a credit card with a limit. The limit is usually between 70% and 90% of what you deposit.

Getting the FD-backed credit card was simple, and approval was quick. The best part, however, was that by paying my bills on time, I slowly started building my credit score.

Apart from this, there are a few other routes too, such as:

  1. You can get an add-on card under the account of someone in your family who already has a credit card.
  2. Another option is a prepaid credit card, where you load money first and then use it like a regular card.
  3. Some banks also allow you to get a credit card linked to your savings account, where your deposits set the limit.
  4. If you are salaried, your bank might offer a credit card against your salary account, even without a score.

So yes, no CIBIL score does not mean no credit card. You just need to pick the option that works best for you.