Having a credit is necessary because it not only helps you to pay your shopping bills or restaurant bills, but also helps you to pay emergency bills like health problems. However, getting the best credit cards without income proof can be challenging, but not impossible. Normally, to obtain a credit, you need strong income proof and a good credit history.
Moreover, today we will tell you how you can get a credit card to fulfill your expenses and save yourself from unwanted problems. So do not jump anywhere else and buckle up your belt to know how to get a credit card without income proof.
Cards You Can Get without Proof of Income
There are several cards that you can get without a salary slip, ITR, or other income documents. Below, we have mentioned some of the best cards and how they work for you. Have a look at it.
| Option | Income Proof Required | How It Works | Best For | Key Benefits |
|---|---|---|---|---|
| Secured Credit Card | No | Issued against a fixed deposit; credit limit is usually 75%–90% of FD amount | Students, freelancers, homemakers, self-employed individuals, no credit history | Easy approval, no income documents, helps build credit score |
| Student Credit Card | No | Low-limit cards designed for students, sometimes linked to a small FD | College students with no job or income proof | Simple eligibility, early credit building, easy approval |
| Add-On Credit Card | No | Issued under a family member’s existing credit card account | Family members of an existing cardholder | No income proof, helps build credit history |
| Credit Card With Co-Signer | No (Co-signer required) | Approval depends on co-signer’s income and credit profile | Fresh graduates, beginners in credit journey | Higher approval chances, better credit limit |
| Pre-Approved Credit Card | Usually No | Based on savings account activity and relationship with the bank | Existing bank customers with good account history | Fast approval, minimal documentation |
- Apply For a Secured Credit
This is one of the most reliable and easy ways to get the best credit cards without income proof: by choosing a secured credit card. Here, one thing you need to know is that a secured credit card is issued against a fixed deposit (FD) or any other collateral you provide to the bank.
How It Works
- When you open a fixed deposit with the bank, the bank issues a credit card linked to your FD account. Also, the bank gives you a limit 75% to 90% of your FD amount. Furthermore, you need to know that if you fail to pay dues on time, the bank will adjust the FD.
- Why The Secured Card Works
Because the bank holds your deposit, you don’t need to show any income documents like salary proof, ITR, or income certificate. Usually this method is for:-
- College Students.
- Who work as Freelancers
- Homemakers
- Self-employed individuals with no income proof.
- People with no credit history or limited credit history.
2. Apply For a Student Credit Card
Several banks offer student credit cards with a low limit. For a student credit card bank, do not require traditional income proof like ITR, FD, or pay slips. These cards are specially designed for the young individual who is still studying or has no job.
Features
- Easy to apply and approved
- No need for any income proof or eligibility criteria
- In some cases, these cards are linked to a small FD
- Offer you a way to build an attractive credit score or history early.
3. Apply For an Add-on Credit Card
If someone in your family, like your parents or elder brother, or anyone already owns a credit card, you can apply for an add-on credit card under their existing account.
How it Works
- Your family member can request an add-on credit card for you.
- You don’t need to show any income proof from your side
- The primary cardholder is responsible for paying the bill.
4. Apply With a Co-Signer
Some banks allow you to get the Best Credit Cards Without Income Proof with a co-signer (guarantor) who meets the income requirements at your place of business. If the bank finds that the co-signer has stable income and an attractive or good credit history, the bank may accept your application without demanding any of your income proof or ITR.
Benefits
- Higher chance of approval
- Better credit limit
- Ideal for people starting their financial journey soon after college or high school.
5. Checked If You Have a Pre-approved Offer
If you already have a savings account with a reputable bank, you may receive a pre-approved credit card offer based on your account activity. Remember, several banks offer you a pre-approved credit card offer based on your strong account reputation.
What Banks Consider Before a Pre-Approved Credit Card Offer
- Your account balance
- Frequency of transaction.
- Duration of the relationship with the bank
- Your credit score and history.
- Often do not require any income proof.
These were some of the best credit cards without income proof that you can obtain easily.
Things To Consider Before Applying for a Credit Card
There are several things that you need to consider before applying for a credit card. Below, we have mentioned points for you. Have a look for a better deal.
- Interest Rate and Fees – Always remember that a card issued with no income proof can come with a higher interest rate. This is why it is important to read about the charges carefully before acceptance.
- Credit Limit – Usually, these cards come with low-income proof. Especially for a secured or student card.
- Repayment On-time – A Credit card gives you a chance to build an attractive credit history. But to make a good credit score or history, pay the amount on time, because missing a payment can damage your credit score badly.
- Documentation – You indeed need to show income proof or ITR, but it requires some documents like an identity card, a Pan Card, Address proof, etc.
These are some of the points that one should consider before applying for the best credit cards without income proof to get the best deal and avoid scams.
How to Apply for a Credit Card Without Income Proof
Applying for a credit cards without income proof in the U.S. is possible if you choose the right option. Below, we have mentioned a step-by-step process for you. Have a look at it.
- Choose the Right Credit Card—First, select the right credit card that doesn’t require any traditional income documents.
- Check Basic Eligibility Criteria—Even if you are applying without income proof, the bank may still check:
- Your Age (Must be more than 18+).
- A U.S. residency status.
- Social Security Number (SSN) or ITIN.
- Existing credit history (if any).
- Apply Online or In-Branch—In the U.S., most of the banks allow you to apply:
- Directly on the issuer’s official website.
- You can apply through the mobile banking app.
- You can apply by visiting the local branch.
Note—Online applications are usually faster and easier to track.
- Provide Financial Information—Instead of income proof, the issuer may consider:
- Your fixed deposit or security amount.
- Your bank account balance and transaction history.
- Add a Co-Signer or Authorized User—Adding a co-signer or becoming an authorized user on a family member’s account elevates your chance of approval.
- Submit Application—Submit your application after reviewing all the information, and wait for the approval time.
- Instant approval for pre-approved or secured cards.
- It may take a few business days for student or co-signed cards.
Once your card is approved, you will receive the card within 7-14 days by mail.
- Use Your Card Responsibly—Once you receive your card:
- Keep balances low.
- Pay your bills on time.
- Avoid maxing out your credit limit.
By using these simple steps, you can easily apply for the best credit cards without income proof.
Conclusion
Getting the best credit cards without income proof is neither easy nor impossible because there are several banking institutions that offer credit cards to young individuals without asking for any income proof or ITR. This gives a golden chance for youngsters to build an attractive credit score or credit history by paying their bills on time. A good credit expands your financial area and allows you to live your life freely.
With a good credit history, one can easily get a big loan, like a car loan, home loan, education loan, and many more. This is why building a good score is very necessary. Moreover, before applying for a card, one should check their budget and expenses accordingly. This helps you to stay free from unwanted debt that can ruin your credit history if you do not pay it on time. Also, not maintaining a good credit score may limit your financial options and create trouble for you.
FAQ’s
Q – Best credit card without income proof in India for students
Ans – Best Credit card without income proof in India for students is the Kotak 811. The Kotak credit card has no joining or annual fee, and it doesn’t require income proof. Also, it offers up to 90% of your fixed deposit and is specially designed for students.
Q – Best lifetime free RuPay Credit Card
Ans – If you are looking for a lifetime free RuPay credit card, the HSBC RuPay Platinum Credit Card is a great choice for you. It has no joining or annual fee. Also support UPI linking and provide reward points.
Q – Best lifetime free credit card for travel
Ans – Ixigo AU Credit Card is one of the best options if you are looking for a lifetime free credit card for travel. AU credit card offers a travel discount on flights, hotels, and buses.
Discalimer
The information provided on this website is for general guidance on credit cards, loans, and insurance products. We do not provide financial, legal, or professional advice. Product features, eligibility, and terms may change anytime, so users should verify details directly with the provider before applying. We may earn commissions through affiliate links, but this does not influence our reviews or recommendations. Users are responsible for their own financial decisions based on their personal situation.
Hi, my name is Sachin. I am currently studying Economics in college and have a strong interest in personal finance topics like credit cards and loans. Along with my studies, I work as a content writer, where I create educational and easy-to-understand content to help readers better understand financial topics and make informed choices.
