A credit score is often a key requirement when applying for a credit card. However, if you don’t have a credit history, securing your first credit card might seem challenging. Many banks and financial institutions hesitate to approve credit cards for applicants with no credit score, as there’s no record of their financial behavior. But don’t worry—there are ways to get a credit card and start building your credit profile from scratch.
In this guide, we will explore different options for getting a credit card without a credit score, helping you take the first step towards financial independence.
Can You Get a Credit Card Without a Credit Score?
Yes! While a good credit score makes it easier to qualify for credit cards with better benefits, several credit cards are available for individuals with no credit history. These options include secured credit cards, student credit cards, and co-signer credit cards, among others. By choosing the right type of card and using it responsibly, you can build your credit profile over time.
Best Credit Card Options for Applicants Without a Credit Score
1. Apply for a Secured Credit Card
A secured credit card is an excellent option for first-time applicants with no credit history. These cards require a refundable security deposit, which acts as collateral and determines your credit limit.
| Best Secured Credit Cards | Annual Fee | Minimum Deposit Required |
| SBI Card Unnati | No annual fee for the first 4 years | â‚ą25,000 |
| ICICI Bank Instant Platinum Card | No annual fee | â‚ą20,000 |
| Axis Bank Insta Easy Credit Card | No annual fee | ₹5,000 – ₹5,555 |
| HDFC Bank MoneyBack+ Credit Card | â‚ą500 | â‚ą20,000 |
With responsible usage, secured credit cardholders can gradually build their credit score and later qualify for unsecured credit cards.
2. Consider a Student Credit Card
If you’re a student, you can apply for a student credit card, which is specifically designed for young applicants without a credit history. These cards have low credit limits and minimal eligibility requirements.
3. Get a Credit Card with a Co-Signer
A co-signer credit card allows you to apply with a family member or friend who has a strong credit history. Their financial responsibility will support your application, increasing your chances of approval. However, if you miss payments, it could impact both your credit scores.
4. Become an Authorized User on Someone Else’s Card
A quick way to start your credit journey is to become an authorized user on a trusted family member’s credit card. This means their credit history will reflect on your report, helping you build a positive credit profile.
5. Get a Credit Card from a Digital Bank or Fintech Company
Many fintech companies and digital banks now offer credit cards without a credit score requirement. These cards often have lower credit limits but come with minimal eligibility criteria. Some examples include:
- OneCard Credit Card – No joining fee, designed for first-time users.
- Slice Card – A buy-now-pay-later card that helps build credit history.
How to Build Your Credit Score After Getting a Credit Card
Once you secure a credit card, follow these steps to build a strong credit profile:
- Make Timely Payments: Always pay your credit card bills before the due date to avoid late fees and negative impact on your score.
- Keep Credit Utilization Low: Use less than 30% of your available credit limit to maintain a healthy credit score.
- Monitor Your Credit Report: Regularly check your CIBIL score and correct any inaccuracies.
- Avoid Multiple Applications: Applying for too many credit cards at once can negatively impact your credit score.
For a step-by-step guide, read How to Boost Your CIBIL Score from 300 to 750.
Conclusion
Getting a credit card without a credit score is possible if you choose the right options, such as secured credit cards, student credit cards, or co-signer-backed credit cards. Once approved, managing your credit responsibly will help you build a strong credit profile and qualify for better financial products in the future.
If you’re unsure about your options, explore How to Get a Credit Card with a Low Credit Score to find the best credit-building strategies for your needs.
FAQs
1. Can I get a credit card if I have no credit score?
Yes, options like secured credit cards, student credit cards, and co-signer credit cards are available for individuals with no credit history.
2. How long does it take to build a credit score?
It typically takes 3-6 months of responsible credit usage to generate a credit score.
3. Does a secured credit card improve my credit score?
Yes, if you use it responsibly by making on-time payments and keeping your credit utilization low.
4. Which credit card is best for first-time users?
- For students: A student credit card.
- For those with no credit history: A secured credit card.
- For digital banking users: A fintech credit card like OneCard or Slice.
5. Will applying for multiple credit cards hurt my credit score?
Yes, applying for multiple credit cards within a short period can lower your score. It’s best to apply for one card at a time and wait for approval before applying for another.
