{"id":7423,"date":"2026-04-28T12:17:57","date_gmt":"2026-04-28T06:47:57","guid":{"rendered":"https:\/\/1finance.co.in\/1f-dashboard\/?post_type=blog&p=7423"},"modified":"2026-04-28T12:17:58","modified_gmt":"2026-04-28T06:47:58","slug":"get-credit-card-without-cibil-score-india","status":"publish","type":"blog","link":"https:\/\/1finance.co.in\/1f-dashboard\/blog\/get-credit-card-without-cibil-score-india\/","title":{"rendered":"How to get a credit card without a CIBIL Score"},"content":{"rendered":"\n

For many people, getting the first credit card can feel like being stuck in a loop. Banks want your CIBIL score, but you need a loan or credit card to build that score in the first place. So if you\u2019re starting from zero, the system doesn’t do much. But getting a credit card without a CIBIL score is not entirely impossible.<\/p>\n\n\n\n

It’s just that the route for getting the credit card without a CIBIL score is not the usual one. In this article, we\u2019re going to break down exactly how to get a credit card without a CIBIL score.<\/p>\n\n\n\n

What is CIBIL Score and why do you need it for a credit card?<\/h2>\n\n\n\n

A CIBIL score is a three-digit number between 300 and 900 that tells banks\/fintech how reliable you are with borrowed money. When you have no score, banks have no credit history and hence lending institutions have no way to judge your risk.<\/p>\n\n\n\n

If you’re a student, a new professional, a homemaker, or someone who has always used cash and debit cards, you likely fall into the “no credit history” bucket. <\/p>\n\n\n\n

But there are some ways you can get your first credit card without the cibil score or a credit history. Let\u2019s know about them.<\/p>\n\n\n\n

Option 1: Secured Credit Cards against a fixed deposit<\/h2>\n\n\n\n

This is the easiest and most reliable way to get a credit card without a CIBIL score. Secured credit card basically means you get a credit card against your security (here it means FD). You need to open a fixed deposit with a bank, and in return, they give you a credit card with a limit that’s usually 80% to 90% of your FD amount.v<\/p>\n\n\n\n

The bank holds your money as a safety net. If you don’t pay your credit card bill, they simply deduct it from your FD. With secured credit cards, there’s no risk to the bank, hence they don’t need to check your credit score.<\/p>\n\n\n\n

The minimum FD amount usually can start from Rs 10,000 to Rs 25,000, depending on the bank. Your FD keeps earning interest even while it backs your credit card. And every payment you make on this card gets reported to credit bureaus, which helps you build a CIBIL score over time.<\/p>\n\n\n\n

Read : https:\/\/1finance.co.in\/blog\/credit-cards-against-fd-in-india-2026\/<\/a><\/p>\n\n\n\n

Option 2: Apply for an add-on card<\/h2>\n\n\n\n

If you have a family member, parent, spouse, or sibling, who already has a credit card, you can request an add-on card in your name. This is basically a secondary card linked to their main account.<\/p>\n\n\n\n

The primary cardholder is responsible for all payments, but the card has your name on it. Some banks report add-on card usage to credit bureaus, which can help you start building your own credit history.<\/p>\n\n\n\n

This is a good option for getting a credit card without CIBIL score if you just need a card for everyday purchases and don’t mind your family member seeing your spending. Many banks issue add-on cards for free or at a very low annual fee.<\/p>\n\n\n\n

Option 3: Student Credit cards<\/h2>\n\n\n\n

If you’re a college student, several banks offer student credit cards specifically designed for you. These cards come with lower limits (usually between Rs 10,000 and Rs 50,000) and don’t require a CIBIL score or income proof.<\/p>\n\n\n\n

Some of these require you to have an education loan with the bank or maintain a specific balance, so check the eligibility criteria before applying.<\/p>\n\n\n\n

Student cards are a smart way to build credit early. Just remember to use them responsibly. If you miss a payment even for once, it will show on your profile for years to come.\u00a0<\/p>\n\n\n\n

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Find the best credit card for your expenses<\/h3>

Let our Qualified Financial Advisors guide you<\/p><\/div>