How to Get a Credit Card Without a Bank Account

Getting a credit card has become more accessible as you can get one even if you do not have a bank account. As long as you qualify for the card as per the terms set by the financial institution, you can get quick approval. 

Increase your purchasing power and make payments more rewarding with this financial tool. You can also opt for secured cards backed by a fixed deposit if you have a low credit score or are new to credit. Alternatively, you can apply for add-on cards for your family members.

Digital verification has made it easy to get a credit card without an account. You can easily choose a card from top financial institutions and enjoy hassle-free transactions.  

Here is how you can apply:

1. Search for financial institutions providing cards without asking for bank account details

2. Meet the issuer’s required eligibility criteria

3. Submit necessary documents, such as ID and address proof

4. Apply online or offline based on the issuer’s process

5. Wait for approval post verification of documents

Before applying, confirm if you meet all the eligibility criteria and have the required documents for seamless application. Here is an overview of the requirements:

Eligibility Criteria

• Your age must be at least 18 years

• You must be either an Indian resident or a Non-resident Indian (NRI)

• You must be salaried or self-employed with a regular source of income

• You must have a credit score of 700 or above

• You must meet a minimum income requirement, which varies with the issuer

Documents Required

• Proof of Identity 

  1. Aadhaar card 

  2. PAN Card 

  3. Voter’s ID 

  4. Passport

• Proof of Residence 

  1. Utility bills 

  2. Ration card