5 Best Credit Card Without Income Proof

Almost every bank offers credit cards to their eligible customers having income proof. But what if you don’t have any income proof? Will you get a credit card? Yes, you can get it, but you need to follow the eligibility criteria set by your bank. So this article features the 5 best credit card without income proof and how you can get it.

Different banks provide a wide range of credit cards depending on the customer’s income, cash flow, etc. However, if you want to get a credit card without income proof, then you need to follow some criteria set by the bank. So first, let’s check the tips to have a credit card with no earnings proof and then the banks offering such credit cards.

Some important tips for getting a credit card without income proof

1. Have a bank account with enough balance 

In some circumstances, you can have a credit card if you have enough balance to show in your bank account. This is all because it may ensure the bank that you can repay the amount you took by credit card.

2. Show your job or employment joining letter

Generally, whenever you get any job, you will get a joining letter for the place where you will work. Moreover, this offer letter contains details about your salary so considering this banks can offer you credit cards.

3. Go for the Add-on card

You can also have an add-on credit card if someone in your family already has a credit card. So the primary cardholder can be your parents, siblings, partner, etc. However, the primary cardholder’s credit score should be good to get an add-on card.

4. Apply for a secured credit card

Taking a secured credit card against your FD or mutual funds is among the best and most popular ways to have a credit card without income proof. Banks can offer you credit cards depending on the amount of FD and mutual funds.

5. Try for a joint credit card

If you don’t have any earning proof for getting a credit card, then you can apply for a joint credit card with the person having income proof. However, this way of getting a credit card does not apply to all people.

List of 5 best credit cards without income proof

  • Kotak Mahindra Bank Dream Different Credit Card
  • State Bank Of India Unnati Credit Card
  • Bank Of Baroda Assure Credit Card
  • ICICI Bank Instant Platinum Credit Card
  • Axis Bank My Zone Easy Credit Card

These banks are among such banks that offer credit cards even in the absence of income proof. So let’s check about these cards in detail.

1. Kotak Mahindra Bank Dream Different Credit Card

Kotak Mahindra Bank offers a Dream Different Credit Card requiring no minimum salary. This card allows you to set credit limits on your own. Further, you can avail of this card against your FD for a minimum of 10,000 Rs. You can check their official website for more details.

2. SBI Unnati Credit Card

State Bank India offers SBI Unnati credit cards with no earning proof as the bank gives it against cardholders’ fixed deposits. This card comes under the secured credit card category. Users of this card earn 1 reward point for every INR 100 they spend, and later you can redeem these points for gifts mentioned in the rewards catalogue.

3. Bank of Baroda Assure Credit Card

Assure credit card is a secured card as the bank offers it to you against your fixed deposit. The major benefit of this card is that if you have an emergency, then, in that case, you can withdraw 100% cash from your card limit.

4. ICICI Bank Instant Platinum Credit Card

ICICI bank allows you to get an instant and free credit card against your fixed deposits in the bank. The name of this card is ICICI bank Instant Platinum Credit Card. This card lets you earn points in the form of rewards and allows you to redeem these points in the form of cash. If you’re using ICICI internet banking service, then you can apply for this credit card online.

5. Axis Bank My Zone Easy Credit Card

If you have fixed deposits in your Axis bank account, then you can apply for their My Zone Easy Credit Card. The minimum FD amount required to get this card is INR 15000, or the maximum FD amount is INR 2500000. For further details, you can visit their official website.


So with the tips mentioned above, to get a credit card without income proof, you can apply for a credit card. Also, we have mentioned some banks that provide you with a credit card in the absence of earning proof. However, sometimes banks remove any particular credit card service for some reason. So always check about these cards at their official websites.

Read More: How to Get a Study Loan in India at Minimum Interest Rate

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