✅ Best No-Income Credit Card in India (2025 Guide)
Managing expenses without a monthly salary can be stressful — especially if you are a student, freelancer, homemaker, or someone in between jobs. But here’s the good news: you can still get a credit card in India without regular income.
Yes, traditional banks usually prefer salaried applicants, but there are no-income credit card options designed especially for non-salaried individuals. Many banks allow you to get a card against a fixed deposit, while some fintech platforms offer low-limit cards based on spending patterns.
In this article, we will explore the best no-income credit cards in India, their features, benefits, eligibility, and tips to increase your credit limit over time.
⭐ Who Should Take a No-Income Credit Card?
This type of credit card is perfect for:
- Students & freshers
- Homemakers
- Freelancers without stable income
- Retired individuals
- People between jobs
- Those building credit score for the first time
If you fall into any of these categories, a secured or no-income credit card can help you build your CIBIL score, handle emergencies, and enjoy digital payments easily.
✅ Best No-Income Credit Cards in India (2025)
1️⃣ SBI Unnati Credit Card
One of the most popular no-income cards by SBI, issued against a Fixed Deposit.
| Feature | Details |
|---|---|
| Minimum FD | ₹25,000 |
| Annual Fee | Free for 4 years |
| Best For | Students & homemakers |
| Benefits | Reward points, fuel surcharge waiver |
2️⃣ HDFC Bank Secured Credit Card (Insta Easy)
Ideal for beginners with no salary proof.
| Feature | Details |
|---|---|
| Minimum FD | ₹50,000 |
| Annual Fee | Zero or refunded |
| Best For | Credit building |
| Benefits | 80% credit limit on FD, EMIs, cashback |
3️⃣ Axis Bank Insta Easy Credit Card
Axis Bank’s FD-backed card with strong reward benefits.
| Feature | Details |
|---|---|
| Minimum FD | ₹20,000 |
| Annual Fee | None |
| Best For | Entry level users |
| Benefits | Instant approval, digital card |
4️⃣ IDFC FIRST WOW Credit Card
A rare lifetime-free secured credit card with premium features.
| Feature | Details |
|---|---|
| Minimum FD | ₹5,000 |
| Annual Fee | Lifetime free |
| Best For | Low-budget users |
| Benefits | No forex markup, cashback & rewards |
5️⃣ OneCard Secured Credit Card
Modern metal-style secured card with instant digital onboarding.
| Feature | Details |
|---|---|
| Minimum FD | ₹2,000 |
| Annual Fee | Lifetime free |
| Best For | Students & online shoppers |
| Benefits | App-based control, EMI, rewards |
📌 Documents Required
- PAN card
- Aadhaar card
- Fixed Deposit Receipt (if FD-linked)
- Mobile number & email
No salary slips or ITR required.
🎯 Key Benefits of a No-Income Credit Card
| Benefit | Impact |
|---|---|
| Builds Credit Score | Higher loan approval later |
| Emergency Backup | Access to funds instantly |
| Online Payments | Useful for apps, OTT, travel |
| Free Rewards & Cashback | Save money on spending |
| Upgradable | Can convert to regular card later |
💡 Tips to Increase Credit Limit Faster
- Start with a good FD amount (₹25,000+ recommended)
- Pay bills before due date
- Keep credit utilisation < 30%
- Avoid unnecessary EMIs
- Don’t apply for too many cards at once
⚠️ Things to Avoid
| Don’t Do This | Reason |
|---|---|
| Minimum due payment | Damages credit score |
| High utilisation | Lowers CIBIL |
| Loan defaults | Affects future credit card upgrade |
📍 Final Verdict
If you’re looking for the best no-income credit card in India, here’s the recommended order:
| Best For | Card Name |
|---|---|
| Overall winner | IDFC FIRST WOW Card |
| Lowest FD requirement | OneCard Secured |
| Best traditional bank card | SBI Unnati |
| Flexible usage | HDFC Insta Easy |
| Students & beginners | Axis Insta Easy / OneCard |
These cards are your gateway to building a credit score, enjoying cashback & digital convenience, and unlocking future financial opportunities — even without a salary slip.
❓ FAQ
Q. Can I get a credit card without salary in India?
Yes, through secured credit cards against FD or select fintech apps.
Q. Which is the best no-income credit card right now?
IDFC FIRST WOW & OneCard are top options.
Q. Is CIBIL score required?
Not compulsory for FD-backed cards.
Q. Can students apply?
Yes, many banks allow students with a parent’s FD.
Q. How much limit will I get?
Around 80% of FD amount (e.g., ₹20,000 FD → ₹16,000 credit limit).
