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For many individuals, getting a credit card without a CIBIL score can be challenging. Banks and financial institutions often rely on CIBIL scores to assess creditworthiness. But what if you don’t have a CIBIL score or have never taken a loan? The good news is that you can still apply for a credit card without CIBIL score online through multiple options.
If you are a first-time applicant looking for a credit card apply without CIBIL score, this guide is for you!

What Is a CIBIL Score and Why Does It Matter?
A CIBIL score is a three-digit number (ranging from 300 to 900) that represents a person’s creditworthiness. A higher score increases your chances of getting a credit card or loan with better terms.
However, if you have never taken a loan or used a credit card before, your CIBIL score may not exist—this is called a “thin credit file.” Banks generally reject applications from individuals with no CIBIL score, but there are multiple ways to get a credit card without CIBIL score.
Ways to Get a Credit Card Without CIBIL Score
If you are looking for an instant credit card without CIBIL score, here are the best options:
1. Secured Credit Cards (Against Fixed Deposits)
A credit card without CIBIL score and FD is one of the easiest ways to get a card. Banks issue these cards against a fixed deposit (FD), meaning there is no credit check required.
✅ How It Works:
- You deposit a fixed amount (₹10,000 – ₹1,00,000).
- The bank issues a credit card without CIBIL score with a limit of 80-90% of your FD.
- Use the card to build your credit history.
✅ Popular Banks Offering Secured Credit Cards:
- SBI Unnati Credit Card
- HDFC MoneyBack Secured Card
- ICICI Instant Platinum Card
- Axis Insta Easy Credit Card
💡 Tip: If you want a credit card apply without CIBIL score, this is the best option!
2. Salary-Based Credit Cards (For Working Professionals)
Many banks offer no CIBIL score credit card options to salaried employees. If you have a stable job and a salary account, you can apply even without a credit history.
✅ Documents Required:
- Salary slips (last 3 months)
- Employment verification letter
- Bank statement (last 6 months)
✅ Best Salary-Based Credit Cards:
📌 If you have a job, this is an excellent way to get a credit card without CIBIL.
3. Pre-Approved Credit Cards (For Existing Bank Customers)
If you have a savings or salary account, you may be eligible for a pre-approved credit card without CIBIL score.
✅ Steps to Check Pre-Approved Offers:
- Log in to your bank’s net banking portal.
- Look for “pre-approved credit card offers”.
- Select an offer and apply instantly.
💡 Example: HDFC, ICICI, Axis, and SBI frequently offer instant credit cards without CIBIL score to their customers.
4. Student Credit Cards (For College Students & Freshers)
If you are a student and need a credit card without CIBIL, many banks offer student-friendly options with low limits and easy approvals.
✅ Best Student Credit Cards:
💡 Tip: These cards help students start their credit journey without a CIBIL score.
5. Fintech & NBFC Credit Cards
Many NBFCs (Non-Banking Financial Companies) and fintech startups now offer credit cards without CIBIL score. These digital-first companies approve applications based on income and spending behavior rather than credit history.
✅ Popular NBFC & Fintech Credit Cards:
- Slice Credit Card
- OneCard
- LazyPay Credit Line
📌 These are ideal for young professionals looking for a no CIBIL score credit card.
How to Apply for a Credit Card Without CIBIL Score Online?

Applying for a credit card without CIBIL score online is easy. Follow these steps:
1️⃣ Visit the bank or NBFC website.
2️⃣ Select the “credit card apply without CIBIL score” option.
3️⃣ Fill out the online application form.
4️⃣ Upload your documents (Aadhar, PAN, salary slips, FD details).
5️⃣ Submit and wait for verification.
✅ Processing Time:
Most banks provide instant approval for credit cards without CIBIL score, while some may take 7-10 days.
How to Build a Credit Score from Scratch?

Even if you get a credit card without CIBIL score, it’s essential to start building your credit history. Here’s how:
🔹 Use Your Credit Card Regularly – Make small purchases and pay bills on time.
🔹 Keep Credit Utilization Below 30% – Avoid maxing out your card.
🔹 Always Pay on Time – Set auto-pay for bills.
🔹 Monitor Your CIBIL Score – Use CIBIL score checking without PAN card services.
📌 Within 6-12 months, your credit score will improve, making you eligible for better credit cards and loans.
FAQs About Credit Cards Without CIBIL Score
1. Can I apply for a credit card without CIBIL score?
Yes! You can apply for a credit card without CIBIL score online through secured cards, salary-based approvals, or fintech companies.
2. What is the easiest way to get a credit card without CIBIL?
The easiest way is applying for a credit card without CIBIL score and FD, as banks do not check credit history for secured cards.
3. How can I check my CIBIL score without a PAN card?
Use CIBIL score checking without PAN card services by entering your Aadhar and mobile number on the official CIBIL website.
4. Can I get an instant credit card without CIBIL score?
Yes! Many banks and NBFCs provide instant credit cards without CIBIL score, especially for existing customers.
Conclusion

Getting a credit card without CIBIL score is possible through secured credit cards, student cards, pre-approved offers, and fintech solutions. Even if you have no credit history, you can still apply for a credit card without CIBIL score online and start building your financial profile.
🔹 Choose a no CIBIL credit card that suits your needs.
🔹 Use it wisely and make timely payments.
🔹 Improve your credit score for better financial opportunities.
💳 Start your credit journey today! 🚀.You can read more articles here.