How To Get A Credit Card Without CIBIL Score?

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Every lender or credit card checks your CIBIL Score while processing your application for a loan or for a credit card. Not having a credit score can upset you because you think you won’t get a credit card without it. But, there are certain ways that can help you in getting your first credit card. Hereunder are some ways that you can use to get a credit card without the CIBIL Score. Keep reading to kick start your research.

  • Get an add-on credit card: If your family member has a credit card then request them to get you an add-on credit card. You are required to meet the minimum age of 18 years to get an add-on credit card. There is no fuss while getting this credit card. You will get to enjoy the same features and benefits on an add-on credit card exactly as the primary credit card. However, some credit card issuers limit the benefits and features of the add-on credit card. For this type of credit card, you are not required to have a CIBIL Score.

  • Get a secured credit card: You can apply for a secured credit card even when you have no credit score. A secured credit card is offered against the fixed deposit. One of the simplest credit cards to avail. The credit limit on your credit card is determined by the fixed deposit account. You need to maintain a fixed deposit with the bank for a certain period of time and after that, you can easily avail a credit card against it. However, you won’t be able to use your fixed deposit until you close your credit account.

  • Get a lifetime free credit card: Another way to get a credit card without a credit score is by applying for a lifetime free credit card. It is easier to get this type of credit card and is ideal for first-time credit card users. All you need is to meet the minimum age criteria and have a stable income. After receiving the credit card you can use it to build your credit score.

  • Build credit score using the third-party app: If you think that you can never build a credit score then my fellow mate you are wrong. You can build your credit score from the scratch by using third-party apps. Amazon and Flipkart offer you the benefit of Buy Now Pay Later through which you can build your credit score and you need to remember to timely repay the due bill.

  • Get a credit card against Savings Account: There are banks that offer credit cards against savings accounts. You can easily get a credit card without any credit score, you are just required to open a savings account with a bank and deposit some amount. After all the procedures the bank will provide your credit card and the credit limit on that card will be based on the amount deposited in the account. You can start using your credit card and building a CIBIL score so that you can avail of an upgraded credit card. 

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