Question: How To Get Credit Card Without Job In India?

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Can I get credit card if I am unemployed?

Yes, although it might be difficult for self-employed/ unemployed to get a credit card, it is not impossible to get one. You can get a card, albeit with some caveats. Here is a look at how someone who is not employed or does not have standard flow of income can get a credit card.

Can we apply for credit card without income?

Apply for a secured credit card In case the other two methods of availing a credit card without income don’t suit you, you can apply for a secured variant. Issuers offer a secured credit card against collateral such as a fixed deposit or a mutual fund. In some cases, they also require you to make a security deposit.

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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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 housewife apply for 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.

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

How can I get a credit card without proof of income?

5 ways to get a Credit Card without Income Proof

  1. Highlights.
  2. Get a credit card by pledging a fixed deposit as security.
  3. Apply with a co-signer or avail an add-on credit card.
  4. Show a healthy bank balance to prove repayment ability.
  5. Get a SuperCard with ease through a pre-approved offer.

How can I get credit card easily?

How to get a credit card in 3 easy steps

  1. Step 1: Choose your Credit Card. Each bank offers dozens of Credit Card options.
  2. Step 2: Apply for your card. Get all your documents ready – a bank will usually ask for identity, address and income proofs.
  3. Step 3: Activate your card.
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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.

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.

Do credit cards Check your income?

Do Credit Card Companies Verify Your 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.

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