written by | March 29, 2022

Everything You Need to Know About Obtaining a Credit Card Without CIBIL Score

Credit cards have made people's lives simpler by enabling them to purchase items and pay for them later. Credit cards give rewards points, special deals, and discounts at both online and offline venues, in addition to interest-free borrowing. Few people who apply for credit cards are approved because of their low income and CIBIL score. And this is undeniable. As a result, it has become an essential element of daily life.

Credit card usage has evolved through time to become one of the essential variables in earning a decent credit score. If used correctly, the card may also help the individual improve their financial situation and credit rating.

Did you know?

Banks and non-banking financial organisations consider 750 or over as optimum CIBIL scores for credit cards.

What Exactly Is a CIBIL Score?

Obtaining a credit score is attainable via the use of a person's "Credit Information Report," which summarises the payment history of any loans or credit cards that they may have had from banks and financial organisations. Obtaining a credit report is another term for this procedure. It is represented by a three-digit number that is inside the range of numbers between three hundred and nine hundred and is between three hundred and nine hundred. The closer the number is to nine hundred, the better the lending institution perceives the individual's credit profile to be, according to the numbers.

Also Read: The Untold Truth About Pre-approved Credit Cards

Role of CIBIL Score to Issue a Credit Card

Financial institutions such as banks and other financial intermediaries verify a person's CIBIL, or credit score, before providing credit cards in their name. The sole criteria that determine whether or not a bank will provide a credit card to a person are the creditworthiness of the applicant. People with a bad loan repayment or credit history are discouraged from applying for credit cards without a CIBIL score. They risk defaulting on their debts, causing the bank to lose money.

Banks just review a person's credit history to determine whether or not they can afford a credit card without defaulting on payments. The bank receives all of the applicant's credit reports and scores from TransUnion CIBIL Limited when the bank requests them from the credit reporting company. These banks may use credit scores to verify a person's payment history, as well as any loans or credit cards that they may presently be in possession of.

Banks may use a person's CIBIL score to determine whether or not they will be able to make timely credit card payments. The fact that a person has no credit history is notable because, in certain instances, banks have linked this with having a terrible credit history.

A Standard Credit Card Needs At Least Credit Score

A decent CIBIL score for a person should be in the region within 750 and above, under ideal circumstances. However, pinpointing a low CIBIL score credit card is problematic since most banks and financial institutions follow a similar pattern in their requirements. 

When it comes to credit cards, credit card issuers often provide them to those who have credit scores in the area, as mentioned above in their report. Credit cards, on the other hand, are subject to no hard and fast rules since banks and financial institutions are willing to provide credit to those with terrible credit histories.

Ways to Obtain a Credit Card Without CIBIL Score

Obtaining a conventional credit card for someone who does not have a credit score or has a poor credit score is very difficult; yet, it is not entirely impossible.

Individuals who want to get a standard credit card but do not have a CIBIL score might consider the following options:

Also Read: What differentiates your credit score from the CIBIL credit rank?

Secured Credit Card Option

A secured credit card is the most straightforward and simple option available to anyone seeking a credit card without first establishing a credit history with the Better Business Bureau (BBB). 

The use of an unsecured credit card is available to all applicants, regardless of whether they have a good credit score or a bad credit score. The secured credit card may be used to improve a person's credit score, which is known as the CIBIL score.

To get a secured credit card, all required is to create a fixed deposit account with the bank from which they desire to obtain the secured credit card and make a deposit into the account.

Obtain an Additional Credit Card

A credit card that serves as an add-on or supplemental credit card is another way to improve their credit score. If the individual's family has a principal credit cardholder, they may get an add-on credit card for themselves.  

A family member's add-on credit card offers the same perks and features as the primary credit card that the family member already owns and uses. However, the credit limit that was previously assigned to the principal credit card is now split across both cards, i.e. the original credit card and the add-on credit cards, due to the credit limit sharing arrangement. Regardless of the circumstances, the user may still take advantage of the add-on credit card's advantages and utilise it in unexpected situations such as a financial emergency.

A Credit Card in Conjunction With a Savings Account

Credit cards in conjunction with a savings account is only provided by a few of the country's central banks. 

Another method through which a person might get a credit card without having a CIBIL score is via a credit union. 

To get a credit card based on the savings to account that the person holds, the individual will need to deposit a particular amount of money into the bank to issue the individual a credit card.

Obtain a Prepaid Credit Card

If you don't want to deal with the hassle of applying for a standard credit card from banks and financial institutions, you may acquire one by applying for and using a prepaid credit card. Individuals with a poor credit score may consider taking advantage of this opportunity.  

In India, all of the leading banks provide prepaid credit cards to persons who have a low CIBIL score or who do not have any credit history at all. Individuals may use a prepaid credit card by loading it with a certain amount of money and utilising it the same way they would use a prepaid mobile connection.

List of Some Credit Cards, Accepted With a Fixed Deposit



ICICI Bank (Instant Platinum Credit Card) 


Axis Bank (Insta Easy Credit Card) 


SBI (Unnati Credit Card)


Kotak Mahindra (Aqua Gold Credit Card) 


Bank of Baroda (Assure Credit Card)            


Andhra Bank (Visa Platinum) 


ICICI Bank (Coral Credit Card) 


Procedures for Obtaining a Credit Card In India

If you haven't already, you should apply for a credit card at the bank where you hold your bank account. Most banks provide a diverse selection of credit cards with various features and benefits that are tailored to each customer.

  • A credit card application will often ask for your CIBIL score and evidence of your income.
  • The application process might take many days or even weeks, depending on how many verifications are required.
  • Banks often attempt to determine if you have sufficient creditworthiness to borrow a certain amount from the card issuer and whether you will be able to return the amount borrowed on time or not.
  • The bank determines that you can repay your debts after multiple phone conversations and physical verification. 
  • Your credit card application will be accepted quickly, and you will be given a credit limit that corresponds to your creditworthiness.
  • The bank has any reservations about your application or discovers a discrepancy in the form. The application will be refused. You will be requested to reapply in a few months when your credit score has improved.


Making the preparations mentioned above may assist a person in obtaining the advantages of a credit card without first establishing their creditworthiness (CIBIL score). While also allowing them to improve their creditworthiness to qualify for a conventional credit card.

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Q: Will obtaining the first credit card improve one’s low CIBIL credit card score?


Many people are unsure of the benefits of acquiring a credit card. While the process itself is not complicated if you follow the correct documentation, making the best use of these cards is more complicated. In some cases, a credit card can improve your CIBIL score. This is especially true if you pay your bills on time. Since accounts are generally lower than material goods, you can quickly repay your debts.

Q: Does using an EMI to pay off a credit card harm your CIBIL score?


Using an EMI to pay off a credit-card balance results in a low CIBIL score credit card CIBIL score. While the interest rate is high, it is usually less than 2% per month, significantly lower than the rack rate. Since CIBIL considers credit utilisation similar to other loans, using an EMI to repay your debt will not affect your credit score.

Q: Is it true that credit card use impacts a person's CIBIL score?


It is true that a credit card without a credit score or its regular use can negatively affect a person's credit score, but only to a certain extent. High utilisation occurs when a person carries a balance on a credit card. Because CIBIL only looks at revolving debt, it is important to pay down your credit cards as soon as possible. A personal loan can help you consolidate your credit card debt, and an instalment loan is a great way to pay off your revolving debt.

Q: How do you start a CIBIL from scratch without even a credit card in India?


In India, how do you start a CIBIL from scratch without even a credit card?’ is one of the most common questions asked by applicants. As you would expect, no credit history is better than no credit history. The bad news is that if you don't have any existing credit, you may face rejection. Fortunately, there are some ways to start a CIBIL without a credit card.

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