Often asked: How To Get A Credit Card In India With No Job?

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How can I get a credit card without a job in India?

How to get a Credit Card without a Job?

  1. Consider getting a Secured Credit Card. Secured credit cards provide similar benefits as their regular counterparts but are issued against an individual’s fixed deposits.
  2. Include other sources of Income.
  3. Become an Add-on/Supplementary User.

Can I get credit card if unemployed?

Even if you don’t have income, you’re not out of options. Being unemployed doesn’t automatically disqualify you from getting a credit card. Credit card issuers are more interested in your income than your job. They also look at your credit history, credit scores and existing debt.

How can I get a credit card with no income?

Steps to get Credit Card without Income Proof

  1. Consider getting a secured credit card. Many issuers allow you to obtain a credit card by pledging a fixed deposit or bank account as collateral.
  2. Get an add-on card.
  3. Display a bank account with a generous balance.
  4. Get a credit card jointly.

Which credit card is best for unemployed?

The best credit cards for unemployed people are secured credit cards like Discover it® Secured Credit Card or Secured Mastercard® from Capital One. You don’t need a job to get a credit card, but credit card companies are required to make sure you have enough income to pay your monthly bills.

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Can you get a credit card at 18 without job?

You can get a credit card without a job. Most credit card applications have a section for employment information, but you can also put student, homemaker or unemployed. If you ‘re under 21 years old, you ‘ll need your own income source to qualify for a credit card.

How can I get credit without a job?

How to Get a Credit Card With No Job

  1. Apply for a Secured Card. A secured card can be a way to get access to credit even if you have limited income.
  2. Become an Authorized User. Another option to access credit is to become an authorized user on a trusted friend’s or family member’s credit card account.
  3. Consider a Co-Signer.

Can a non working spouse get a credit card?

Your spouse is required to use the household income when applying for a credit card, so yes, a spouse with no income can apply for a credit card. The CARD Act enables lenders to review not only your personal income but also the household income.

Do credit cards require proof of income?

A credit card issuer may request proof of income documents to verify your stated income. But a lender won’t typically call your employer or the IRS to verify your income. Proof of income documents may include, but aren’t limited to: Pay stubs.

What is the minimum salary for credit card?

Credit Card Eligibility

Credit Card Provider Age Requirement Min. Income Requirements
HDFC Bank 21 – 60 years Rs. 13,500 per month
HSBC Bank 21 – 60 years Rs. 3.00 lakh per annum
ICICI Bank 21 – 60 years Rs. 15,001 per month
IndusInd Bank 21 – 70 years Rs. 30,000 per month
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How can I get a credit card instantly?

FAQs

  1. Visit sc.com/in.
  2. Choose the credit card of your choice.
  3. Fill in your details and verify with OTP to submit your application.
  4. Get instant Approval in Principle*
  5. Post successful validation of your KYC and other documents your Virtual credit card will be ready instantly.

Can a housewife get a credit card?

Yes, housewives can get a credit card. They can also have a fixed deposit at the bank through which they can easily apply for a credit card with the bank. With this fixed deposit which will serve as a security against the credit limit, the banks will mostly approve of applications for the credit card.

Can I get a loan without a job?

Although it’s possible to get a personal loan without a job, it’s not a wise decision because you can put your financial health at risk if you can ‘t afford the loan. However, some lenders will let you take out a loan with no income or allow you to use non-employment income to qualify.

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