Easiest Credit Cards To Get With Bad Credit in India

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A credit score plays an important role while applying for a credit card. 700-750 is considered to be a good credit score. The credit card issuers scrutinize your credit card application and approve it after looking at various factors and credit score is one of them. Worried about whether you will get a credit card or not due to a bad credit score? There are credit cards that you can get even if you have a bad credit score or no credit history at all. To help you with this we have listed 5 credit cards that you can easily get even with a bad credit history. 


Credit Cards

Joining Fee

Renewal Fee

SBI SimplySAVE credit card

Rs. 499 + applicable taxes

Rs. 499 + applicable taxes

HSBC Cashback Credit Card 

NIL

Rs. 750

Flipkart Axis Bank Credit Card 

NIL

NIL

Amazon Pay ICIC credit card

NIL

NIL

Kotak 811 #DreamDifferent Credit Card

NIL

NIL 


SBI SimplySAVE credit card

You can vouch for this credit card offered by SBI card even if you have poor credit history to no credit history. You can enjoy the given below features and benefits of the SBI SimplySAVE credit card.

Features and benefits are:

  • Get 2,000 bonus reward points as a welcome offer. 

  • Earn 1 reward point on every Rs. 100 spent on this credit card.

  • Earn 10 reward points on movies, dining, departmental, and grocery spends.

  • Renewal fee will be waived off on spending Rs. 1 lakh in the previous year. 

Learn more about SBI SimplySAVE credit card here.

HSBC Cashback Credit Card 

As the name suggests you get to enjoy the rewards in the form of cashback on this credit card. You get to enjoy the shopping benefits and moreover you get complimentary travel benefits in the welcome offer. The features and benefits of the HSBC Cashback credit card are as follows:

  • Enjoy the welcome offer of an Amazon voucher worth Rs. 500 and 3 complimentary domestic lounge access. 

  • Earn 1.5% cashback on all online transactions.

  • Earn 1% cashback on all other transactions. 

  • Save upto 15% on dining bills at selected partner restaurants. 

  • Get exclusive discounts and offers on Amazon and Swiggy. 

Learn more about HSBC Cashback credit card here.

Flipkart Axis Bank Credit Card 

One of the popular credit cards offered by Axis Bank available in the market which can be availed at no joining and renewal fee. You get to enjoy the shopping and travel benefits on this credit card. The features and benefits of Flipkart Axis Bank credit card are mentioned below:

  • Enjoy the welcome offer worth Rs. 2,500.

  • Earn 5% cashback on Flipkart and Myntra. 

  • Earn 4% cashback on Swiggy, Uber, PVR, Cure.fit.

  • Earn 1.5% cashback on all other online and offline transactions. 

  • Get 4 complimentary domestic airport lounge access. 

Learn more about Flipkart Axis Bank credit card here.

Amazon Pay ICIC credit card

One of the highly renowned credit cards that has gained popularity in a short span that offers cashback benefits to the Amazon Prime members as well as to non-prime members. You get to enjoy the movies and dining benefits on this credit card. The features and benefits of the ICICI Amazon Pay credit card are as follows:

  • Get Amazon Pay Balance as a welcome offer.

  • Prime members can earn 5% cashback on the spends.

  • Non-prime members can earn 3% cashback on the spends. 

  • Earn 1% cashback on all other spends. 

  • Save up to 15% off on dining bills at selected restaurants.

Learn more about CICI Amazon Pay credit card here.

Kotak 811 #DreamDifferent Credit Card

This one is one of the best secured credit cards in India offered by the Kotak Bank. One with a poor credit score can easily apply for this credit card. You are required to maintain a fixed deposit for a certain period of time with the bank. The features and benefits of the Kotak 811 #DreamDifferent credit card are as follows:

  • Get 500 bonus reward points as the welcome offer. 

  • Earn 2 reward points on every Rs. 100 spent on online transactions.

  • Earn 1 reward point on every Rs. 100 spent on this credit card. 

  • Enjoy 4 complimentary PVR movie tickets in a year according to the spendings. 

Learn more about Kotak 811 #DreamDifferent Credit Card here.

Bottom Line:

The above mentioned credit cards are the easiest to get when you have a bad credit score. You can apply for credit cards online as well as offline after comparing the credit cards. Select the credit card that compliments your financial health and helps you to improve your credit score. You can always start with the entry-level credit cards that do not have joining and renewal fee or you can even begin with the best secured credit cards that are issued against the fixed deposit. 

Credit cards can help you in building a good credit history only if you know how to use them wisely and sensibly.

Additional Reading - How To Get Your First Credit Card With No Credit Score In India

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